Patent ID: 6889214

Claim:
A system for distributing amounts of value to select ones of a plurality of user processor-based systems in response to demands by ones of the plurality of user processor-based systems, said system comprising: a host processor-based system; a bulk memory coupled to said host processor-based system; at least one portable memory coupled to said host processor-based system; a plurality of user data files including independent value credit information stored in said bulk memory, wherein ones of said user data files are loaded into said portable memory to thereby configure said portable memory for use in serving a corresponding demand; a protocol for accepting a demand for an amount of value from a particular one of said user plurality of processor-based systems via a data communication link between said host processor-based system and said particular one of said user processor-based systems and for automatically deducting said amount of value from one or more of said user data files; and a protocol for transmitting a data packet corresponding to said amount of value to said one of said plurality of user processor-based systems.