Abstract: An e-commerce database system that maintains a list of merchant and customer accounts, each account has an assigned amount of UNEEs (e-commerce currency units) and identification information about the merchants or customers. The electronic currency units are purchased by a customer for placement into their UNEE account. Payments in UNEE's are made for purchases by the customer and result in a transfer of electronic currency from the customer's UNEE account to the merchant's UNEE account. Payments received by the merchant can be retained as UNEEs, or they can be converted into a national currency or other asset of value selected by the merchant. The merchant can also purchase UNEEs for use by the merchant. UNEE transactions between a customer and a merchant result in a request to the central database system with instructions to transfer the desired number of UNEEs between accounts. The availability of the UNEEs is verified by the central database system, and if funds are available, the UNEEs are transferred.

Abstract: A multilayer geocentric participation system which distributes a variety of products (“e-pipeline” products) to enrolled members and others via electronic (i.e. Internet) participation channels, and provides a variety of financial products, including ATMs, and debit/credit cards. The system determines source of financial transactions and e-pipeline purchases and relates them to particular enrolled members. Compensation is made to the enrolled members as a result of the financial transactions and/or e-pipeline purchases based on the relationship between the enrolled member and the entity making the e-pipeline purchase and/or financial transaction. Participant access keys (“PAKs”) are used to determine the rights of each entity based on individual contracts between the entities.