Abstract: A digital wallet is operative to receive, maintain, and allow the retrieval of various forms of enhancements thereto, such as an electronic coupon, an electronic gift certificate, an electronic discount, and the like. The digital wallet is also operative to function as a primary or main digital wallet and thus accept and utilize a plurality of subordinate digital wallets, each one of which is separately operable within the framework of the digital wallet. In addition, each one of the subordinate digital wallets has different features and/or functionality. The primary digital wallet may also receive, maintain, and allow access to a shopping list of items that are automatically deleted or marked for deletion when an item corresponding to a shopping list item of the shopping list in the digital wallet is purchased on-line utilizing the primary digital wallet or at a physical store via a retail terminal, kiosk, or the like utilizing the primary digital wallet.

Abstract: A financial system includes a plurality of peripherals like a magnetic stripe reader, printer, and keyboard which are coupled to a personal computer by an adapter board which is inserted into an interface bus within the computer. Even though the financial application being run may be single tasking, the system is capable of running multi-tasking operations. An encryptor/decryptor processor, which is used in handling secure data, is located on the adapter board to minimize unauthorized access to the secure data.