Computer-based virtual personal economies implemented over public and private networks and methods for configuration, use and pooling of same

Abstract

The present invention allows for an entity to offer assets of various types that are independent of currency and banking institution policy for investment and securitization and securely over public (WAN), semi-public (e.g. AOL) and private network or subscription network. Assets are verified through unique identification systems which provide for security even though the entity may remain anonymous and also provides for a networked portable transaction system with the identified assets. The invention allows asset holders, individually or pooled, capable of becoming their own “IPO.”

1 . An improved transaction and investment system including: a computational device linked to a network through a screening system, said screening system including at least one CPU and implementing an executable screening program; electronic data storage configured to store first data that represents assets; a verification structure implemented with a computer and connected to a network that is configured to verify the existence and identification of said assets represented by said first data; wherein said computational device loads said first data representational of said assets in response to a request received over said network and through said screening system and correlates said first data representational of assets to second data representational of outside assets and said verification structure confirms that both said sets of data are properly correlated to said respective assets. 
     
     
         2 . The transactional and investment system as recited in  claim 1 , wherein said data representative of assets consists of sets of individually owned assets. 
     
     
         3 . The transactional and investment system as recited in  claim 1 , wherein said data representative of assets consists of individually owned asset sets and combinations of said sets. 
     
     
         4 . The transactional and investment system as recited in  claim 1 , wherein said data representative of assets consists of combinations of individually owned asset sets. 
     
     
         5 . The transactional and investment system as recited in  claim 1 , wherein said verification structure processes said data and sends said data to a database regarding transactions. 
     
     
         6 . The transactional and investment system as recited in  claim 5 , wherein said first data is used as security for a transaction regarding said external assets corresponding to said second data and at least a second external assets. 
     
     
         7 . The transactional and investment system as recited in  claim 6 , wherein the computational device charges a fee for using said first data as security. 
     
     
         8 . The transactional and investment system as recited in  claim 7 , wherein said owner of said external asset is charged a fee. 
     
     
         9 . The transactional and investment system as recited in  claim 1 , wherein said first data includes an identifier that uniquely corresponds to a single asset. 
     
     
         10 . The transactional and investment system as recited in  claim 9 , wherein said verification system is configured to notify said computational system if an asset has been improperly used. 
     
     
         11 . The transactional and investment system as recited in  claim 10 , wherein said misuse includes a second identification of said asset. 
     
     
         12 . The transactional and investment system as recited in  claim 1 , wherein said first data representative of assets is located on a solid-state storage device. 
     
     
         13 . The transactional and investment system as recited in  claim 12 , wherein said first data is only accessible if a member has their solid-state storage device placed into a specialty networked device operatively connected to said computational device. 
     
     
         14 . The transactional and investment system as recited in  claim 13 , wherein said system includes multiple specialty networked devices. 
     
     
         15 . The transactional and investment system as recited in  claim 14 , wherein said specialty networked device is a kiosk with ports for said solid-state device. 
     
     
         16 . The transactional and investment system as recited in  claim 15 , wherein at least part of the memory of said solid-state storage device cannot be rewritten once said first data representation has been loaded into said memory. 
     
     
         17 . The transactional and investment system as recited in  claim 15 , wherein said solid-state storage device cannot be accessed if said least at non-writeable part of said storage device is rewritten to. 
     
     
         18 . The transactional and investment system as recited in  claim 1 , wherein said first data representative of assets is located on an application specific integrated circuit with a reduced instruction set processor.