US5539189A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Card holder's paging system for commercial card data network
Assignee: Hopeman Enterprises Ltd
•
Filing: 1992-11-27
•
Granted: 1996-07-23
•
Expires: 2012-11-27
Abstract
Abstract A financial or commercial database network is disclosed which provides a medium for communicating non-financial information from a third party to a network card holder. The third party identifies the card holder to the financial database and places a message in the financial database for the identified card holder. Subsequently, in the course of conducting a card-based financial or commercial transaction, the card holder receives the message at the network node he is currently using.
Inventors
- 👤 Sheila Wilson
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-07 18:34
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/38; G06Q20/42; G06Q20/425; G07; G07F; G07F17/00; G07F17/16
Claims Analysis
Total Claims: 24
Claim 1
Independent Claim
118 words
A system for supplying non-financial information to the holder of a bank or charge card of a financial institution and bearing an authorization code, said system comprising a central database, means for placing financial information of said financial institution relating to said holder in said central database, means for placing non-financial information received from a party other than said financial institution and intended for said holder in said central database, an account authorization device to read said authorization code of said bank or charge card, said authorization code borne by said bank or charge card being the sole identification required to identify said holder to said central database so as to forward said non-financial information to said holder.
Claim 2
Independent Claim
118 words
A system for supplying non-financial information to the holder of a bank or charge card of a financial institution and bearing an authorization code, said system comprising a central database, means for placing financial information of said financial institution relating to said holder in said central database, means for placing non-financial information received from a party other than said financial institution and intended for said holder in said central database, an account authorization device to read said authorization code of said bank or charge card, said authorization code borne by said bank or charge card being the sole identification required to identify said holder to said central database so as to forward said non-financial information to said holder.
Claim 3
Dependent Claim
17 words
A system as in claim 1 wherein said non-financial information is emergency information relating to said holder.
Claim 4
Dependent Claim
16 words
A system as in claim 2 wherein said bank or charge card is a credit card.
Claim 5
Dependent Claim
16 words
A system as in claim 2 wherein said bank or charge card is an ATM card.
Claim 6
Dependent Claim
16 words
A system as in claim 2 wherein said bank or charge card is a debit card.
Claim 7
Dependent Claim
21 words
A system as in claim 2 wherein said account authorization device includes a card reader located remotely from said central database.
Claim 8
Dependent Claim
15 words
A system as in claim 6 wherein said account authorization device is an ATM machine.
Claim 9
Dependent Claim
17 words
A system as in claim 6 wherein said account authorization device is a commercial transaction card reader.
Claim 10
Dependent Claim
23 words
A system as in claim 8 wherein said non-financial information is conveyed to said holder from said card reader by a third party.
Claim 11
Dependent Claim
22 words
A system as in claim 9 and further including means to convey said non-financial information between said party and said central database.
Claim 12
Dependent Claim
18 words
A system as in claim 10 wherein said conveying means for said non-financial information is a communication line.
Claim 13
Dependent Claim
21 words
A system as in claim 11 wherein said conveying means for said non-financial information includes a modem and an input keyboard.
Claim 14
Dependent Claim
25 words
A system as in claim 2 wherein said party other than said financial institution identifies said holder to said central database by submitting identifying information.
Claim 15
Dependent Claim
14 words
A system as in claim 13 wherein said identifying information includes an alphanumeric code.
Claim 16
Dependent Claim
16 words
A system as in claim 13 wherein said identifying information includes the holder's name and address.
Claim 17
Independent Claim
117 words
A method for a user to contact a subscriber having a bank or charge card of a financial institution, comprising the steps of: a) said user contacting said financial institution and providing specific identifying data unique to said subscriber; b) said user providing said financial institution with non-financial information intended to be provided to said subscriber; c) said financial institution placing at least some of said non-financial information into a central database intended for transmitting to said subscriber; and d) said financial institution conveying said non-financial information to said subscriber when said subscriber uses said bank or charge card, without said subscriber entering further identifying data other than identifying data borne by said bank or charge card.
Claim 18
Independent Claim
117 words
A method for a user to contact a subscriber having a bank or charge card of a financial institution, comprising the steps of: a) said user contacting said financial institution and providing specific identifying data unique to said subscriber; b) said user providing said financial institution with non-financial information intended to be provided to said subscriber; c) said financial institution placing at least some of said non-financial information into a central database intended for transmitting to said subscriber; and d) said financial institution conveying said non-financial information to said subscriber when said subscriber uses said bank or charge card, without said subscriber entering further identifying data other than identifying data borne by said bank or charge card.
Claim 19
Dependent Claim
17 words
A method as in claim 16 wherein said non-financial information is emergency information relating to said subscriber.
Claim 20
Dependent Claim
16 words
A method as in claim 17 wherein said bank or charge card is a credit card.
Claim 21
Dependent Claim
16 words
A method as in claim 17 wherein said bank or charge card is an ATM card.
Claim 22
Dependent Claim
16 words
A method as in claim 17 wherein said bank or charge card is a debit card.
Claim 23
Dependent Claim
14 words
A method as in claim 17 wherein said identifying information includes an alphanumeric code.
Claim 24
Dependent Claim
16 words
A method as in claim 17 wherein said identifying information includes the subscriber's name and address.
References Cited (Backward Citations)
US4582959A
Cited
US4582959B1
Cited
US4727243A
Cited
US4645873A
Cited
FR2640782A1
Cited
US5243645A
Cited
US5265033A
Cited
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1999-07-23 | 2000-01-22 | 2000-07-23 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2003-07-23 | 2004-01-22 | 2004-07-23 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2007-07-23 | 2008-01-22 | 2008-07-23 | $7700.00 | Window Closed / Lapsed |