Abstract: A system incorporating method and associated apparatus for establishing virtual banking in a merchant venue or syndication of merchants for one or more consumers in a manner that increases the deposit-based assets of a related traditional banking institution by loading transactions of fractional currency amounts, preferably reflecting the acquisition of physical fractional currency, and more preferably coinage, and thereupon enabling inter-merchant (or syndicate) commercial transactions, including purchases and sales, in a manner that does not deplete deposit-based assets. Commercial transactions are at the direction of consumer(s) each with their own portable device linked to a merchant-hosted virtual account that maintains transaction details, histories and balances, and transmits data reflecting the same to the portable device(s) where it is recorded and displayed, upon demand.

Abstract: A system incorporating method and associated apparatus for establishing virtual banking in a merchant venue or syndication of merchants for one or more consumers in a manner that increases the deposit-based assets of a related traditional banking institution by loading transactions of fractional currency amounts, preferably reflecting the acquisition of physical fractional currency, and more preferably coinage, and thereupon enabling inter-merchant (or syndicate) commercial transactions, including purchases and sales, in a manner that does not deplete deposit-based assets. Commercial transactions are at the direction of consumer(s) each with their own portable device linked to a merchant-hosted virtual account that maintains transaction details, histories and balances, and transmits data reflecting the same to the portable device(s) where it is recorded and displayed, upon demand.

Abstract: A method for increasing the demand deposit asset base of a bank for fractional-reserve banking within the Federal Reserve System, with first and second demand deposit accounts captive at that bank, comprising: (a) receiving physical fractional currency at the bank and increasing the first account balance in an amount corresponding to the value of currency received; (b) encrypting in a “cre-bit” device the balance of the first account including the numeric value of currency received; (c) reflecting in a node device currency amounts concomitantly linked to the second account; (d) performing a commercial transaction without the use of physical functional currency for a specific amount such that the first account is simultaneously debited and the second account is credited the specific amount; (e) repeating step (a) then step (b) and/or repeating step (c); and (f) displaying the first account balance and “cre-bit” data on the “cre-bit” device.

Abstract: A system, method and apparatus for increasing the asset base of a banking institution having a first and second account captive therein for fractional-reserve banking, having a portable device for encrypted containment of currency amounts linked to the first account at the banking institution and enabled to perform commercial transactions that affect the balance of the first account; a node device for encrypted containment of currency amounts linked to the second account at the banking institution and enabled to perform commercial transactions that affect the balance of the second account; an encrypted interface between the portable device and the node device for communication therebetween to accurately affect a commercial transaction between in which there is a credit to one and a debit to the other; such that by transacting a commercial transaction between the two devices one of the accounts is debited for the transaction a specific amount and the other account is credited the specific amount debited commen

Abstract: A system, method and associated apparatus for establishing virtual banking in a merchant venue or syndication of merchants to a consumer while optionally increasing the deposit-based assets of a related traditional banking institution, having a consumer portable device for containment of currency amounts linked to the consumer's account and enabled to perform commercial transactions at the direction of the consumer that affect the balance of the consumer's account, which consumer portable device also displays balance and transactional information; a node device for containment of currency amounts accurately reflecting the consumer's account and optionally associated with a captive account at the banking institution and enabled to perform commercial transactions that affect the balance of the consumer's account in accordance with instructions received from the consumer portable device, which node device also optionally provides for balance, statements, transactional information, and profiling of the consumer's

Abstract: A system of stackable containers including a plurality of carriers, each container comprising means for linking a carrier with a next adjacent stacked carrier, a plurality of means for containing objects, a handle, adapted to suspend the carrier and containers and a plurality of inferiorly stacked carriers with containers, and a lower recess adapted to receive a handle from an inferior stacked carrier.