US5796832A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Wireless transaction and information system
Assignee: Transaction Technology Inc
•
Filing: 1995-11-13
•
Granted: 1998-08-18
•
Expires: 2015-11-13
Abstract
Abstract A financial information and transaction system utilizes wireless communication in connection with portable terminals. In this system, a terminal is connected to the financial institution via a wireless or cellular telephone hook-up. Smart cards are utilized to verify authorization for transactions, thereby minimizing potential security problems which could otherwise result from use of a mobile terminal. Alternately, a smart card is advantageously utilized not only for authorization, but also to maintain a secure record of available funds. The system not only provides the functionality of an ATM network, but also provides non-financial services, thereby forming an integrated system.
Inventors
- 👤 Joseph C. Kawan
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-23 23:48
CPC Classifications
G; G07; G07F; G07F19/00; G07F19/20; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/08; G06Q20/10; G06Q20/105; G06Q20/18; G06Q20/30; G06Q20/32; G06Q20/326; G06Q20/36; G06Q20/367; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/4012; G06Q40/00; G06Q40/06; G07F19/204; G07F19/211; H; H04; H04L; H04L9/00; H04L9/32; H04L9/3226; H04L9/3234; H04L2209/00; H04L2209/56; H04L2209/80
Claims Analysis
Total Claims: 32
Claim 1
Independent Claim
187 words
A financial information and transaction system comprising: a host financial computer system, said host system maintaining records of user account information; a plurality of user interface terminals for accessing said host financial computer system, at least one of said terminals comprising first means for wirelessly transmitting and receiving data, and a smart card reader; a wireless communications interface comprising a second means for wirelessly transmitting and receiving data operatively counted to said at least one of said terminals comprising first means for wirelessly transmitting and receiving data; and a communications interface coupled to said wireless communications interface and coupled to said host system; wherein data corresponding to said user account information is exchanged between said host system and said at least one of said terminals comprising first means for wirelessly transmitting and receiving data via said wireless communications interface and said communications interface, such that a user obtains information and performs transactions on said host financial system through a smart card device that is coupled to said smart card reader, said smart card device including means for encrypting data which is exchanged with said host financial system.
Claim 2
Dependent Claim
187 words
A financial information and transaction system comprising: a host financial computer system, said host system maintaining records of user account information; a plurality of user interface terminals for accessing said host financial computer system, at least one of said terminals comprising first means for wirelessly transmitting and receiving data, and a smart card reader; a wireless communications interface comprising a second means for wirelessly transmitting and receiving data operatively counted to said at least one of said terminals comprising first means for wirelessly transmitting and receiving data; and a communications interface coupled to said wireless communications interface and coupled to said host system; wherein data corresponding to said user account information is exchanged between said host system and said at least one of said terminals comprising first means for wirelessly transmitting and receiving data via said wireless communications interface and said communications interface, such that a user obtains information and performs transactions on said host financial system through a smart card device that is coupled to said smart card reader, said smart card device including means for encrypting data which is exchanged with said host financial system.
Claim 3
Dependent Claim
30 words
The financial information and transaction system according to claim 1, wherein said communication means comprises means for transmitting and receiving data at a frequency of about 900 megahertz or more.
Claim 4
Dependent Claim
33 words
The financial information and transaction system according to claim 1, wherein said at least one terminal comprises a plurality of of said terminals devices coupled to a common wireless transmitting and receiving station.
Claim 5
Dependent Claim
24 words
The financial information and transaction system according to claim 1, wherein said plurality of of said terminals are arranged in a local area network.
Claim 6
Dependent Claim
24 words
The financial information and transaction system according to claim 1, wherein said at least one of said terminals comprises a wireless cellular telephone device.
Claim 7
Dependent Claim
23 words
The financial information and transaction system according to claim 5, wherein said wireless cellular telephone device includes a smart card reader incorporated therein.
Claim 8
Dependent Claim
28 words
The financial information and transaction system according to claim 1, wherein said at least one of said terminals comprises a portable terminal that includes a keypad and display.
Claim 9
Dependent Claim
24 words
The financial information and transaction system according to claim 7, wherein said portable terminal is supplied with ac power from a standard power supply.
Claim 10
Dependent Claim
17 words
The financial information and transaction system according to claim 7, wherein said portable terminal is battery operated.
Claim 11
Dependent Claim
40 words
The financial information and transaction system according to claim 4, wherein local area network includes a plurality of personal computers, each having smart card readers by which a user encrypts and decodes data which is exchanged with said host system.
Claim 12
Dependent Claim
64 words
The financial information and transaction system according to claim 1, wherein said at least one terminal is operatively coupled to a security system for controlling access to various physical locations each associated with a smart card reader, said security system providing access to said various locations by matching information stored on a user smart card which is inserted into said associated smart card readers.
Claim 13
Dependent Claim
22 words
The financial information and transaction system according to claim 1, wherein said smart card device includes a plurality of files stored therein.
Claim 14
Dependent Claim
43 words
The financial information and transaction system according to claim 12, wherein one of said plurality of files corresponds to an encryption key which is executed by processing means provided in said smart card device, thereby encrypting data provided to said smart card device.
Claim 15
Dependent Claim
40 words
The financial information and transaction system according to claim 12, wherein one of said plurality of files is a banking card debit file, said banking card debit file containing data elements for execution of a debiting of said user account.
Claim 16
Dependent Claim
54 words
The financial information and transaction system according to claim 12, wherein one of said plurality of files is an electronic prepaid function file, said electronic prepaid function file maintaining data elements representative of a monetary value which is augmented or decremented by said at least one of said terminals upon authorization by the user.
Claim 17
Dependent Claim
28 words
The financial information and transaction system according to claim 15, wherein said authorization is obtained by the user inputting a personal identification number associated with the user's account.
Claim 18
Dependent Claim
50 words
The financial information and transaction system according to claim 13, wherein one of said plurality of files is an electronic purse function file , said electronic purse function file maintaining data elements representative of a monetary value which is augmented or decremented by said at least one of said terminals.
Claim 19
Dependent Claim
63 words
The financial information and transaction system according to claim 1, wherein said at least one of said terminals is coupled to a security system for controlling access to various physical locations each associated with a smart card reader, wherein said smart card device includes at least one file containing data elements for providing authorization to access one or more of said physical locations.
Claim 20
Dependent Claim
48 words
The financial information and transaction system according to claim 18, wherein said smart card device includes a biometric identification file which contains identification data corresponding to unique physical characteristics of a user, said identification data being used to authorize access to one or more of said physical locations.
Claim 21
Dependent Claim
35 words
The financial information and transaction system according to claim 18, wherein said authorization to access said one or more physical locations is obtained by the user inputting a personal identification number associated with the user.
Claim 22
Dependent Claim
53 words
The financial information and transaction system according to claim 1, wherein said at least one of said terminals is coupled to a host system for controlling access to a communication network and wherein said smart card device includes at least one file containing data elements for providing authorization to access said communication network.
Claim 23
Dependent Claim
53 words
The financial information and transaction system according to claim 1, wherein said at least one of said terminal is coupled to a host system for controlling access to a network device and wherein said smart card device includes at least one file containing data elements for providing authorization to access said network service.
Claim 24
Dependent Claim
53 words
The financial information and transaction system according to claim 1, wherein said at least one of said terminals is coupled to a host system for controlling access to a data base and wherein said smart card device includes at least one file containing data elements for providing authorization to access said data base.
Claim 25
Dependent Claim
44 words
The financial institution and transaction system according to claim 21, wherein said smart card device includes a biometric identification file which contains identification data corresponding to unique physical characteristics of said user, said identification data being used to authorize access to said communication network.
Claim 26
Dependent Claim
44 words
The financial institution and transaction system according to claim 22, wherein said smart card device includes a biometric identification file which contains identification data corresponding to unique physical characteristics of said user, said identification data being used to authorize access to said network service.
Claim 27
Dependent Claim
44 words
The financial institution and transaction system according to claim 23, wherein said smart card device includes a biometric identification file which contains identification data corresponding to unique physical characteristics of said user, said identification data being used to authorize access to said data base.
Claim 28
Dependent Claim
32 words
The financial information and transaction system according to claim 21, wherein said authorization to access said communication network is obtained by the user inputting a personal identification number associated with the user.
Claim 29
Dependent Claim
32 words
The financial information and transaction system according to claim 22, wherein said authorization to access said network service is obtained by the user inputting a personal identification number associated with the user.
Claim 30
Dependent Claim
32 words
The financial information and transaction system according to claim 23, wherein said authorization to access said data base is obtained by the user inputting a personal identification number associated with the user.
Claim 31
Dependent Claim
24 words
The financial information and transaction system according to claim 1, wherein said plurality of terminals are arranged as part of a wide area network.
Claim 32
Dependent Claim
18 words
The financial information and transaction system according to claim 1, wherein said terminal comprises an automatic teller machine.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2001-08-17 | 2002-02-16 | 2002-08-18 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2005-08-17 | 2006-02-16 | 2006-08-18 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2009-08-17 | 2010-02-16 | 2010-08-18 | $7700.00 | Window Closed / Lapsed |