US6095412A — Host and user transaction system

Claim 1

Independent Claim 205 words

A system for performing a transaction comprising: (i) an intelligent device including a microcomputer having an input/output communication port, and store including nonvolatile memory and random access memory; and (ii) an interface device associated with a memory for storing data and a coupler via which communications may be effected with said intelligent device; said store being arranged such that one part thereof has an operating system which can be run for performing basic functions of the intelligent device, said operating system being programmed in the native code of said microcomputer; said random access memory being provided for use by said microcomputer when performing a function under the control of the operating system and for storing data received from or ready for transmission via said communication port; and said interface device including one or more program modules stored within said memory, a said program module comprising one or more instructions forming part of a prescribed instruction set discrete from said native code; wherein said store includes a program interpreter for interpreting and executing a said program module when the microcomputer is under the control of said operating system to perform a transaction in accordance with said instruction(s) of said prescribed instruction set comprising said program module.

Claim 2

Independent Claim 205 words

A system for performing a transaction comprising: (i) an intelligent device including a microcomputer having an input/output communication port, and store including nonvolatile memory and random access memory; and (ii) an interface device associated with a memory for storing data and a coupler via which communications may be effected with said intelligent device; said store being arranged such that one part thereof has an operating system which can be run for performing basic functions of the intelligent device, said operating system being programmed in the native code of said microcomputer; said random access memory being provided for use by said microcomputer when performing a function under the control of the operating system and for storing data received from or ready for transmission via said communication port; and said interface device including one or more program modules stored within said memory, a said program module comprising one or more instructions forming part of a prescribed instruction set discrete from said native code; wherein said store includes a program interpreter for interpreting and executing a said program module when the microcomputer is under the control of said operating system to perform a transaction in accordance with said instruction(s) of said prescribed instruction set comprising said program module.

Claim 3

Dependent Claim 48 words

A system as claimed in claim 1, wherein said store also includes a command executor for receiving a command, performing a prescribed function in respect of said command, and providing a result or status to the command, when the microcomputer is under the control of said operating system.

Claim 4

Dependent Claim 47 words

A system as claimed in claim 2, wherein said program module is loaded into said random access memory via said communication port when said microcomputer is operating said command executor in response to a prescribed command received and executed thereby for subsequent execution by said program interpreter.

Claim 5

Dependent Claim 48 words

A system as claimed in claim 2, wherein said program module is loaded into a third part of said store via said communication port when said microcomputer is operating said command executor in response to a prescribed command received and executed thereby for execution by said program interpreter.

Claim 6

Dependent Claim 33 words

A system as claimed in claim 2, wherein operation of said program interpreter is invoked when said microcomputer is operating said command executor in response to a prescribed command received and executed thereby.

Claim 7

Dependent Claim 101 words

A system as claimed in claim 1, wherein said store is arranged such that a second part thereof is adapted to store data files having different access restriction levels thereto; and said program module is programmed with one or more said instructions from said prescribed instruction set, particularly adapted to enable working with prescribed data files within said second part of said store when said microcomputer is under the control of said program interpreter and interpreting and executing said one or more instructions; and wherein said one or more instructions have restricted control functions to limit access to said data files.

Claim 8

Dependent Claim 27 words

A system as claimed in claim 6, wherein said data files each comprise records whereby different records within a file can have different access restriction levels thereto.

Claim 9

Dependent Claim 22 words

A system as claimed in claim 7, wherein said data files and records each comprise headers for specifying an access restriction level.

Claim 10

Dependent Claim 15 words

A system as claimed in claim 8, wherein said access restriction level comprises a password.

Claim 11

Dependent Claim 46 words

A system as claimed in claim 1, wherein said program module is programmed with one or more said instructions from said prescribed instruction set, particularly adapted to enable the performing of control functions solely in accordance with said prescribed instruction set and peripherals of the device.

Claim 12

Dependent Claim 39 words

A system as claimed in claim 1, wherein said program module is encrypted and said store includes a data encryption and decryption program for execution by said microcomputer to decrypt said program module in accordance with a prescribed algorithm.

Claim 13

Dependent Claim 21 words

A system as claimed in claim 11, wherein said prescribed algorithm is the Data Encryption Standard algorithm (D.E.S.) or RSA algorithm.

Claim 14

Dependent Claim 16 words

A system as claimed in claim 1, wherein said intelligent device includes a keyboard and display.

Claim 15

Dependent Claim 32 words

A system as claimed in claim 1, wherein a plurality of said program modules are loaded sequentially into said random access memory and chained together to extend the capability of the system.

Claim 16

Dependent Claim 43 words

A system as claimed in claim 14, wherein said program modules are encrypted and said store includes a data encryption and decryption program for execution by said microcomputer to decrypt said program modules in block chaining mode in accordance with a prescribed algorithm.

Claim 17

Dependent Claim 29 words

A system as claimed in claim 1, wherein a said program module is adapted to allow a data representation method suited to the specific application thereof to be used.

Claim 18

Dependent Claim 15 words

A system as claimed in claim 1, wherein said microcomputer is a single chip microcomputer.

Claim 19

Dependent Claim 18 words

A system as claimed in claim 1, wherein said operating system is mask programmed in said native code.

Claim 20

Dependent Claim 168 words

An intelligent device for performing a transaction with an interface device associated with a memory for storing data and a coupler via which communications may be effected with the intelligent device, the intelligent device comprising: a microcomputer having an input/output communication port, and store including nonvolatile memory and random access memory; wherein: (i) said store is arranged such that one part thereof has an operating system which can be run for performing basic functions of the intelligent device, said operating system being programmed in native code of said microcomputer; (ii) said random access memory is provided for use by said microcomputer when performing a function under the control of the operating system and for storing data received from or ready for transmission via said communication port; (iii) said store includes a program interpreter for interpreting and executing a program module transmitted thereto for performing a transaction; and (iv) said program module comprises one or more instructions forming part of a prescribed instruction set discrete from said native code.

Claim 21

Dependent Claim 168 words

An intelligent device for performing a transaction with an interface device associated with a memory for storing data and a coupler via which communications may be effected with the intelligent device, the intelligent device comprising: a microcomputer having an input/output communication port, and store including nonvolatile memory and random access memory; wherein: (i) said store is arranged such that one part thereof has an operating system which can be run for performing basic functions of the intelligent device, said operating system being programmed in native code of said microcomputer; (ii) said random access memory is provided for use by said microcomputer when performing a function under the control of the operating system and for storing data received from or ready for transmission via said communication port; (iii) said store includes a program interpreter for interpreting and executing a program module transmitted thereto for performing a transaction; and (iv) said program module comprises one or more instructions forming part of a prescribed instruction set discrete from said native code.

Claim 22

Dependent Claim 48 words

An intelligent device as claimed in claim 19, wherein said store includes a command executor for receiving a command, performing a prescribed function in respect of said command, and providing a result or status to the command, when the microcomputer is under the control of said operating system.

Claim 23

Dependent Claim 101 words

An intelligent device as claimed in claim 20, wherein said store is arranged such that a second part thereof is adapted to store data files having different access restriction levels thereto; said program module is programmed with one or more said instructions from said prescribed instructions set, particularly adapted to enable working with prescribed data files within said second part of said store when said microcomputer is under the control of said program interpreter and interpreting and executing said one or more instructions; and wherein said one or more instructions have restricted control functions to limit access to said data files.

Claim 24

Dependent Claim 28 words

An intelligent device as claimed in claim 21, wherein said data files each comprise records whereby different records within a file can have different access restriction levels thereto.

Claim 25

Dependent Claim 23 words

An intelligent device as claimed in claim 22, wherein said data files and records each comprise headers for specifying an access restriction level.

Claim 26

Dependent Claim 16 words

An intelligent device as claimed in claim 23, wherein said access restriction level comprises a password.

Claim 27

Dependent Claim 36 words

An intelligent device as claimed in claim 20, wherein said program module is loaded into said random access memory via the coupler of the interface device and said communication port for execution by said program interpreter.

Claim 28

Dependent Claim 34 words

An intelligent device as claimed in claim 20, wherein operation of said program interpreter is invoked when said microcomputer is operating said command executor in response to a prescribed command received and executed thereby.

Claim 29

Dependent Claim 47 words

An intelligent device as claimed in claim 19, wherein said program module is programmed with one or more said instructions from said prescribed instruction set, particularly adapted to enable the performing of control functions solely in accordance with said prescribed instruction set and peripherals of the device.

Claim 30

Dependent Claim 38 words

An intelligent device as claimed in claim 19, wherein said program module is loaded into a third part of said store via the coupler of the interface device and said communication port for execution by said program interpreter.

Claim 31

Dependent Claim 40 words

An intelligent device as claimed in claim 19, wherein said program module is encrypted and said store includes a data encryption and decryption program for execution by said microcomputer to decrypt said program module in accordance with a prescribed algorithm.

Claim 32

Dependent Claim 33 words

An intelligent device as claimed in claim 19, wherein a plurality of said program modules are loaded sequentially into said random access memory and chained together to extend the capability of the system.

Claim 33

Dependent Claim 44 words

An intelligent device as claimed in claim 19, wherein said program modules are encrypted and said store includes a data encryption and decryption program for execution by said microcomputer to decrypt said program modules in block chaining mode in accordance with a prescribed algorithm.

Claim 34

Dependent Claim 30 words

An intelligent device as claimed in claim 19, wherein a said program module is adapted to allow a data representation method suited to the specific application thereof to be used.

Claim 35

Dependent Claim 16 words

An intelligent device as claimed in claim 19, wherein said microcomputer is a single chip microcomputer.

Claim 36

Dependent Claim 19 words

An intelligent device as claimed in claim 19, wherein said operating system is mask programmed in said native code.

Claim 37

Dependent Claim 97 words

A method for performing a transaction between an intelligent device as claimed in claim 19 and the interface device referred to therein, comprising: creating a program module comprising one or more instructions forming part of a prescribed instruction set discrete from the native code for the microcomputer of the intelligent device; storing said program module in the memory of the interface device; coupling the intelligent device to the interface device for establishing communications therewith; and invoking a program interpreter included in the store of the intelligent device to interpret and execute said instructions of said program module.

Claim 38

Dependent Claim 36 words

A method as claimed in claim 35, wherein one or more said instructions are for working with prescribed data files within the intelligent device and have restricted control functions to limit access to said data files.

Claim 39

Dependent Claim 31 words

A method as claimed in claim 35, wherein said one or more instructions are for performing control functions solely in accordance with said prescribed instruction set and peripherals of the device.

Claim 40

Dependent Claim 24 words

A method as claimed in claim 35, including loading said program module into the memory of the intelligent device before invoking said program interpreter.

Claim 41

Dependent Claim 67 words

A method as claimed in claim 38 wherein said loading comprises invoking a command executor also included in the store of the intelligent device to receive and execute a load command from the interface device, and wherein said invoking of said program interpreter is performed by said microcomputer when operating said command executor pursuant to receiving and executing a program module execution command from the interface device.

Claim 42

Dependent Claim 46 words

A method as claimed in claim 35, wherein said data files have headers providing for different access restriction levels applicable to different program modules and wherein said instructions decode the header of a said prescribed data file before accessing it to determine whether it is accessible.

Claim 43

Independent Claim 178 words

A system for performing a transaction comprising: (i) an intelligent device including a microcomputer having a store; and (ii) an interface device remote of said intelligent device, associated with a memory for storing data and a coupler via which communications may be effected with said intelligent device; said store being arranged such that one part thereof has an operating system for said microcomputer to run for performing basic functions of the intelligent device, said operating system being programmed in the native code of said microcomputer; said interface device including one or more program modules stored within said memory, a said program module comprising one or more instructions forming part of a prescribed instruction set discrete from said native code; wherein said store includes a program interpreter for the microcomputer to run when executing a said program module from said interface device to perform a transaction; and wherein said microcomputer is controlled to interpret and execute said instruction(s) of said prescribed instruction set comprising said program module, only when said microcomputer is under the control of said program interpreter.

Claim 44

Independent Claim 178 words

A system for performing a transaction comprising: (i) an intelligent device including a microcomputer having a store; and (ii) an interface device remote of said intelligent device, associated with a memory for storing data and a coupler via which communications may be effected with said intelligent device; said store being arranged such that one part thereof has an operating system for said microcomputer to run for performing basic functions of the intelligent device, said operating system being programmed in the native code of said microcomputer; said interface device including one or more program modules stored within said memory, a said program module comprising one or more instructions forming part of a prescribed instruction set discrete from said native code; wherein said store includes a program interpreter for the microcomputer to run when executing a said program module from said interface device to perform a transaction; and wherein said microcomputer is controlled to interpret and execute said instruction(s) of said prescribed instruction set comprising said program module, only when said microcomputer is under the control of said program interpreter.

Claim 45

Dependent Claim 166 words

An intelligent device for performing a transaction with an interface device remote of the intelligent device, the interface being associated with a memory for storing data and a coupler via which communications may be effected with the intelligent device, the intelligent device comprising: a microcomputer having a store; wherein: (i) said store is arranged such that one part thereof has an operating system for said microcomputer to run for performing basic functions of the intelligent device, said operating system being programmed in native code of said microcomputer; (ii) said store including a program interpreter for the microcomputer to run when executing a program module from said interface device to perform a transaction; and (iii) said program module comprising one or more instructions forming part of a prescribed instruction set discrete from said native code; wherein said microcomputer is controlled to interpret and execute said instruction(s) of said prescribed instruction set comprising said program module, only when said microcomputer is under the control of said program interpreter.

Claim 46

Dependent Claim 166 words

An intelligent device for performing a transaction with an interface device remote of the intelligent device, the interface being associated with a memory for storing data and a coupler via which communications may be effected with the intelligent device, the intelligent device comprising: a microcomputer having a store; wherein: (i) said store is arranged such that one part thereof has an operating system for said microcomputer to run for performing basic functions of the intelligent device, said operating system being programmed in native code of said microcomputer; (ii) said store including a program interpreter for the microcomputer to run when executing a program module from said interface device to perform a transaction; and (iii) said program module comprising one or more instructions forming part of a prescribed instruction set discrete from said native code; wherein said microcomputer is controlled to interpret and execute said instruction(s) of said prescribed instruction set comprising said program module, only when said microcomputer is under the control of said program interpreter.

Claim 47

Independent Claim 209 words

A method for performing one or more transactional interchanges of data and information between a service user and one or more service providers, each service provider having service provider transaction interchange means, while maintaining secure storage of the data and information communicated from each of said service providers, the method comprising the steps of: providing an intelligent device for facilitating the transactional interchanges of the service user, the intelligent device having: computer processing means, input/output communication means communicatably coupleable with the service provider transaction interchange means, and storage means storing an operating system programmed in native code, the operating system performing basic functions of the intelligent device, including communicating with the service provider transaction interchange means; and transmitting by the service provider transaction interchange means to the intelligent device in response to a command from the operating system one or more program modules, each program module having a prescribed instruction set discrete from said native code, and storing said one or more program modules in said storage means; and executing by the computer processing means under control of the operating system through a program interpreter of the operating system each said prescribed instruction set to perform a transaction between the intelligent device and the service provider transaction interchange means.

Claim 48

Independent Claim 209 words

A method for performing one or more transactional interchanges of data and information between a service user and one or more service providers, each service provider having service provider transaction interchange means, while maintaining secure storage of the data and information communicated from each of said service providers, the method comprising the steps of: providing an intelligent device for facilitating the transactional interchanges of the service user, the intelligent device having: computer processing means, input/output communication means communicatably coupleable with the service provider transaction interchange means, and storage means storing an operating system programmed in native code, the operating system performing basic functions of the intelligent device, including communicating with the service provider transaction interchange means; and transmitting by the service provider transaction interchange means to the intelligent device in response to a command from the operating system one or more program modules, each program module having a prescribed instruction set discrete from said native code, and storing said one or more program modules in said storage means; and executing by the computer processing means under control of the operating system through a program interpreter of the operating system each said prescribed instruction set to perform a transaction between the intelligent device and the service provider transaction interchange means.

Claim 49

Dependent Claim 197 words

In a system for performing one or more transactional interchanges of data and information between a service user and one or more service providers, each of said service providers having a service provider transaction interchange means, an intelligent device for facilitating the transactional interchanges while maintaining secure storage of the data and information communicated to the intelligent device, the intelligent device comprising: storage means storing an operating system programmed in native code, the operating system performing basic functions of the intelligent device, including communicating with the service provider transaction interchange means; input/output communication means communicatably coupled to the service provider transaction interchange means for receiving one or more program modules, each program module having a prescribed instruction set discrete from said native code, transmitted by the service provider transaction interchange means to the intelligent device in response to a command from the operating system and for storing said one or more program modules in said storage means; and computer processing means for executing under control of the operating system through a program interpreter of the operating system each said prescribed instruction set to perform a transaction between the intelligent device and the service provider transaction interchange means.

Claim 50

Dependent Claim 197 words

In a system for performing one or more transactional interchanges of data and information between a service user and one or more service providers, each of said service providers having a service provider transaction interchange means, an intelligent device for facilitating the transactional interchanges while maintaining secure storage of the data and information communicated to the intelligent device, the intelligent device comprising: storage means storing an operating system programmed in native code, the operating system performing basic functions of the intelligent device, including communicating with the service provider transaction interchange means; input/output communication means communicatably coupled to the service provider transaction interchange means for receiving one or more program modules, each program module having a prescribed instruction set discrete from said native code, transmitted by the service provider transaction interchange means to the intelligent device in response to a command from the operating system and for storing said one or more program modules in said storage means; and computer processing means for executing under control of the operating system through a program interpreter of the operating system each said prescribed instruction set to perform a transaction between the intelligent device and the service provider transaction interchange means.

Annuity Stage	Window Opens	Payment Deadline	Surcharge Period Until	Estimated Fee	Status
3.5 Years (Year 4)	2003-08-01	2004-01-31	2004-08-01	$2000.00	Window Closed / Lapsed
7.5 Years (Year 8)	2007-08-01	2008-01-31	2008-08-01	$3760.00	Window Closed / Lapsed
11.5 Years (Year 12)	2011-08-01	2012-01-31	2012-08-01	$7700.00	Window Closed / Lapsed

Host and user transaction system

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