Claims Analysis
Total Claims: 22
Claim 1
Independent Claim
157 words
A financial information and transaction system comprising: a host financial computer system, said host system maintaining records of user account information; at least one terminal providing a user interface for accessing said host financial computer system, said at least one terminal including a transmitter and a receiver for transmitting and receiving data, respectively, corresponding to the user account information, a smart card interface device; and a smart card; wherein access to said records of user account information are organized in a hierarchy of three or more levels, said hierarchy of three or more levels comprising an initial level, a final level, and one or more intervening levels; wherein said records of user account information are accessed by passing through said hierarchy of three or more levels; and wherein an access allowance path is provided for allowing access to the final level in the hierarchy by an automated task without passing through said one or more intervening levels.
Claim 2
Dependent Claim
157 words
A financial information and transaction system comprising: a host financial computer system, said host system maintaining records of user account information; at least one terminal providing a user interface for accessing said host financial computer system, said at least one terminal including a transmitter and a receiver for transmitting and receiving data, respectively, corresponding to the user account information, a smart card interface device; and a smart card; wherein access to said records of user account information are organized in a hierarchy of three or more levels, said hierarchy of three or more levels comprising an initial level, a final level, and one or more intervening levels; wherein said records of user account information are accessed by passing through said hierarchy of three or more levels; and wherein an access allowance path is provided for allowing access to the final level in the hierarchy by an automated task without passing through said one or more intervening levels.
Claim 3
Dependent Claim
31 words
The system according to claim 1, wherein said access allowance path for allowing access to the final level in the hierarchy by an automated task is provided on the smart card.
Claim 4
Dependent Claim
33 words
The system according to claim 1, wherein said access allowance path for allowing access to the final level in the hierarchy by an automated task is provided in the smart card interface device.
Claim 5
Dependent Claim
33 words
The system according to claim 1, wherein said access allowance path for allowing access to the final level in the hierarchy by an automated task is provided on the host financial computer system.
Claim 6
Dependent Claim
17 words
The system according to claim 1, wherein said records of user account information comprises checking account balance.
Claim 7
Dependent Claim
17 words
The system according to claim 1, wherein said records of user account information comprises savings account balance.
Claim 8
Dependent Claim
20 words
The system according to claim 1, wherein prior to occurrence of the automated task, the smart said is digitally authenticated.
Claim 9
Dependent Claim
20 words
The system according to claim 1, wherein subsequent to occurrence of the automated task, the smart said is digitally authenticated.
Claim 10
Dependent Claim
150 words
A financial information and transaction system comprising: a host financial computer system, said host system maintaining records of user account information; at least one terminal providing a user interface for accessing said host financial computer system, said at least one terminal permitting a transaction to be conducted based on the user account information, a smart card interface device; and a smart card; wherein conducting said transaction based on said records of user account information is organized in a hierarchy of three or more levels, said hierarchy of three or more levels comprising an initial level, a final level, and one or more intervening levels; wherein said transaction is conducted by passing through said hierarchy of three or more levels; and wherein an access allowance path is provided for allowing access to the final level in the hierarchy by an automated task without passing through said one or more intervening levels.
Claim 11
Dependent Claim
150 words
A financial information and transaction system comprising: a host financial computer system, said host system maintaining records of user account information; at least one terminal providing a user interface for accessing said host financial computer system, said at least one terminal permitting a transaction to be conducted based on the user account information, a smart card interface device; and a smart card; wherein conducting said transaction based on said records of user account information is organized in a hierarchy of three or more levels, said hierarchy of three or more levels comprising an initial level, a final level, and one or more intervening levels; wherein said transaction is conducted by passing through said hierarchy of three or more levels; and wherein an access allowance path is provided for allowing access to the final level in the hierarchy by an automated task without passing through said one or more intervening levels.
Claim 12
Dependent Claim
31 words
The system according to claim 9, wherein said access allowance path for allowing access to the final level in the hierarchy by an automated task is provided on the smart card.
Claim 13
Dependent Claim
33 words
The system according to claim 9, wherein said access allowance path for allowing access to the final level in the hierarchy by an automated task is provided in the smart card interface device.
Claim 14
Dependent Claim
33 words
The system according to claim 9, wherein said access allowance path for allowing access to the final level in the hierarchy by an automated task is provided on the host financial computer system.
Claim 15
Dependent Claim
14 words
The system according to claim 9, wherein said transaction comprises a deposit of funds.
Claim 16
Dependent Claim
14 words
The system according to claim 9, wherein said transaction comprises a withdrawal of funds.
Claim 17
Dependent Claim
14 words
The system according to claim 9, wherein said transaction comprises an exchange of currency.
Claim 18
Dependent Claim
24 words
The system according to claim 9, wherein said transaction comprises a transfer of funds between said user's checking account and said user's savings account.
Claim 19
Dependent Claim
14 words
The system according to claim 9, wherein said transaction comprises a purchase of stock.
Claim 20
Dependent Claim
14 words
The system according to claim 9, wherein said transaction comprises a sale of stock.
Claim 21
Dependent Claim
20 words
The system according to claim 9, wherein prior to occurrence of the automated task, the smart said is digitally authenticated.
Claim 22
Dependent Claim
18 words
The system according to claim 9, wherein subsequent to the transaction being conducted, the transaction is digitally authenticated.