Figure 5 shows a simplified index cell for the instrument manager.  The states shown are identified as follows:

• State 0: Active State.  This state is the initial state of the Instrument Manager instance.  From this state, this manager is awaiting requests to be processed through to the instruments.
• State 2: Verify Signature State. If a request for a signature verification has been processed, the manager will enter this state awaiting a return of signature information from the appropriate instrument instance.
• State 3: Process Card Info State.  When a request for card information (or e-cash transaction, or cybercheck processing, etc.) is made, the manager will send the request to the instrument instance and await a response in this state.
• State 4: Protocol Preference State. The instrument manager will enter this state to await a return of protocol preferences which will be processed as required by the caller, normally the operations manager, which is requiring a protocol to process some operation.
• State 5: Available Instruments State. If a request is made to determine instruments that are available, this state will be entered to compile the list of instruments, which will be returned as a result of the trasition to the Active state.  An occasion for this would be similar to entering a store and having the clerk inform the customer that they accept VISA and personal checks--then the customer must open their wallet  and determine which of these they currently have available.  This process may also include verification of purchase limits or expiration dates.
• State 6: Balance Return State.  State used to await an instrument's reply to a balance inquiry.