Patent ID: 8538892

Claim:
An electronic purchase system comprising: an interactive purchase television equipment connected to the electronic network; a fixed intelligent data carrier medium connected to said interactive purchaser television equipment, the fixed intelligent data carrier medium comprising a first processor that is programmed to authenticate and decrypt services, the services include receiving incentives from an incentives provider; a detachable intelligent data carrier medium connectable to said interactive purchaser television equipment, such that when the detachable intelligent carrier medium is mated to the interactive purchaser television equipment, the detachable intelligent data carrier medium is further programmed to communicate with the interactive purchaser television equipment; the detachable intelligent data carrier medium comprising a second processor that is programmed to store accrued incentives received from the incentives provider in a memory equipment on the detachable intelligent data carrier medium; the detachable intelligent carrier medium is programmed to process the accrued incentives, wherein a first signature validates the accrued incentives and a second signature validates the use of the accrued incentives; a merchant terminal connected to the electronic network is programmed to read the accrued incentives stored on the detachable intelligent data carrier medium, to redeem a discount or a value corresponding to the read accrued incentives, apply the discount or value to a purchase transaction and store purchase information related to the purchase transaction onto the detachable intelligent data carrier medium; the interactive purchase television equipment is programmed to read the purchase information stored on the detachable data carrier medium when said detachable data carrier medium is mated with the interactive purchase television equipment; and in response to reading the stored purchase information, the interactive purchase television equipment is further programmed to store onto the detachable data carrier medium further incentives based on the read purchase information.