US5857079A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Smart card for automatic financial records
Assignee: Nokia of America Corp
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Filing: 1994-12-23
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Granted: 1999-01-05
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Expires: 2014-12-23
Abstract
Abstract A smart card that allows for the categorization of expenses at the time they are incurred and the automatic generation and storage of information concerning the date, payee, and amount of the transaction. A single smart card is utilized to record and categorize transactions as they occur by transaction identities. These transaction identities are business or personal classification, cash, check, or credit card type transactions, and expense categories. The smart card has a alphanumeric display and a keyboard for selecting the class, type, and category. These items are selected by the entry of numbers on the keyboard but textual information is displayed to identify these items in response to the entered numbers. A program in a personal computer is used to specify the class, type, and categories along with the textual information in the smart card via a smart card reader. These specifications correspond to a spreadsheet that has been entered on the personal computer by the user of the smart card. The personal computer loads the textual information defining the class, type, and category into the smart card so that it corresponds to the titles of the entries on the spreadsheet.
Inventors
- 👤 David Michael Claus
- 👤 John Christian Moran
- 👤 Kevin Dean Murphy
- 👤 Wanda Green Thompson
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-28 22:47
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; G06; G06F; G06F40/00; G06F40/10; G06F40/166; G06F40/177; G06F40/18; G06Q; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/105; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/3415; G06Q20/38; G06Q20/40; G06Q20/409; G06Q20/4093; G06Q40/00; G06Q40/12; G06Q40/128
Claims Analysis
Total Claims: 12
Claim 1
Independent Claim
163 words
A smartcard for automatically storing transaction information by financial identities, comprising: a keyboard for user inputs; a signal interface for receiving transaction information; a memory; a display; a controller responsive to a computer which reads the financial identities and textual information from an internally stored spreadsheet before transferring them along with numbers specifying lists to the controller; the controller forming the lists in the memory in response to the textual information and financial identities transferred via the signal interface wherein the financial identities are classes, types, and categories; the controller, responsive to the financial identities and the transaction information received from the keyboard, identifying the list; the controller, responsive to the transaction information received, processing the transaction information and storing the processed transaction information in the identified list as list information; and the controller, further responsive to requests from the computer, transmitting the list information to the computer, and the computer responsive to the list information, storing the list information into the spreadsheet.
Claim 2
Dependent Claim
163 words
A smartcard for automatically storing transaction information by financial identities, comprising: a keyboard for user inputs; a signal interface for receiving transaction information; a memory; a display; a controller responsive to a computer which reads the financial identities and textual information from an internally stored spreadsheet before transferring them along with numbers specifying lists to the controller; the controller forming the lists in the memory in response to the textual information and financial identities transferred via the signal interface wherein the financial identities are classes, types, and categories; the controller, responsive to the financial identities and the transaction information received from the keyboard, identifying the list; the controller, responsive to the transaction information received, processing the transaction information and storing the processed transaction information in the identified list as list information; and the controller, further responsive to requests from the computer, transmitting the list information to the computer, and the computer responsive to the list information, storing the list information into the spreadsheet.
Claim 3
Dependent Claim
19 words
The smartcard of claim 1 wherein the computer, further responsive to the lists, forms the transactions in chronical order.
Claim 4
Dependent Claim
145 words
A smartcard for automatically storing transaction information by financial identities, comprising: a signal interface for receiving the transaction information; a memory; a controller responsive to a computer which reads the financial identities and textual information from an internally stored spreadsheet before transferring them along with numbers specifying the lists to the controller; the controller forming lists in the memory in response to the textual information and financial identities transferred via the signal interface wherein the financial identities are classes, types, and categories; the controller, responsive to the transaction information and list number received from the transaction terminal, processing the transaction information and storing the processed transaction information in a list specified by the list number; and the controller, further responsive to requests from the computer, transmitting the lists to the computer, and the computer responsive to the lists, storing the list information into the spreadsheet.
Claim 5
Dependent Claim
145 words
A smartcard for automatically storing transaction information by financial identities, comprising: a signal interface for receiving the transaction information; a memory; a controller responsive to a computer which reads the financial identities and textual information from an internally stored spreadsheet before transferring them along with numbers specifying the lists to the controller; the controller forming lists in the memory in response to the textual information and financial identities transferred via the signal interface wherein the financial identities are classes, types, and categories; the controller, responsive to the transaction information and list number received from the transaction terminal, processing the transaction information and storing the processed transaction information in a list specified by the list number; and the controller, further responsive to requests from the computer, transmitting the lists to the computer, and the computer responsive to the lists, storing the list information into the spreadsheet.
Claim 6
Dependent Claim
19 words
The smartcard of claim 3 wherein the computer, further responsive to the lists, forms the transactions in chronical order.
Claim 7
Independent Claim
164 words
A method for automatically storing transaction information by financial identities, comprising: receiving user inputs from a keyboard of a smartcard; receiving transaction information from a transaction terminal; transferring the financial identities and textual information along with numbers specifying lists to a controller of the smartcard by a computer that reads them from an internally stored spreadsheet; forming the lists in a memory of the smartcard in response to the textual information and financial identities transferred from the computer via the signal interface wherein the financial identities are classes, types, and categories; identifying a list in response to financial identities information received from the keyboard; processing the transaction information and storing the processed transaction information in the identified list in response to the transaction information received from the transaction terminal as list information; and transmitting the list information to the computer in response to requests from the computer and storing the list information into the spreadsheet by the computer in response to the list information.
Claim 8
Independent Claim
164 words
A method for automatically storing transaction information by financial identities, comprising: receiving user inputs from a keyboard of a smartcard; receiving transaction information from a transaction terminal; transferring the financial identities and textual information along with numbers specifying lists to a controller of the smartcard by a computer that reads them from an internally stored spreadsheet; forming the lists in a memory of the smartcard in response to the textual information and financial identities transferred from the computer via the signal interface wherein the financial identities are classes, types, and categories; identifying a list in response to financial identities information received from the keyboard; processing the transaction information and storing the processed transaction information in the identified list in response to the transaction information received from the transaction terminal as list information; and transmitting the list information to the computer in response to requests from the computer and storing the list information into the spreadsheet by the computer in response to the list information.
Claim 9
Dependent Claim
24 words
The method of claim 5 further comprising the step of forming the transactions in chronical order by the computer in response to the lists.
Claim 10
Independent Claim
152 words
A method for automatically storing transaction information by financial identities, comprising the steps of: transferring to a smartcard the financial identities and textual information along with numbers specifying lists by a computer that reads the financial identities from an internally stored spreadsheet; receiving by the smartcard the transaction information from a transaction terminal; forming lists in a memory of the smartcard in response to the textual information and financial identities categories transferred from a computer wherein the financial identities are classes, types, and categories; processing the transaction information and storing the processed transaction information in a list specified by a list number in response to the transaction information and the list number being received from the transaction terminal; and further transmitting the lists from the smartcard to the computer in response to requests from the computer and storing the list information into the spreadsheet by the computer in response to the lists.
Claim 11
Independent Claim
152 words
A method for automatically storing transaction information by financial identities, comprising the steps of: transferring to a smartcard the financial identities and textual information along with numbers specifying lists by a computer that reads the financial identities from an internally stored spreadsheet; receiving by the smartcard the transaction information from a transaction terminal; forming lists in a memory of the smartcard in response to the textual information and financial identities categories transferred from a computer wherein the financial identities are classes, types, and categories; processing the transaction information and storing the processed transaction information in a list specified by a list number in response to the transaction information and the list number being received from the transaction terminal; and further transmitting the lists from the smartcard to the computer in response to requests from the computer and storing the list information into the spreadsheet by the computer in response to the lists.
Claim 12
Dependent Claim
24 words
The method of claim 7 further comprising the step of forming the transactions in chronical order by the computer in response to the lists.
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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) | 2002-01-04 | 2002-07-06 | 2003-01-05 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2006-01-04 | 2006-07-06 | 2007-01-05 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2010-01-04 | 2010-07-06 | 2011-01-05 | $7700.00 | Window Closed / Lapsed |