US6505772B1
Expired / Lapsed
US
⏱️ 0.0 years remaining
System for utilizing a single card to provide multiple services in an open network environment
Assignee: First Data Corp
•
Filing: 2000-06-22
•
Granted: 2003-01-14
•
Expires: 2020-06-22
Abstract
Abstract An information management system for operation in a proprietary environment implementing a multi-purpose card held by a designated individual. The information management system includes a multi-purpose card, at least one data input device, at least one database, a host, and a transaction processor. The card is coded to identify the rightful cardholder and to identify the services the card holder is entitled to receive. The at least one data input device receives transactional information from the merchant/service-provider and the card. The database records transactional information and verifies transactional information. The host includes the at least one database for processing transactional information. The debit transaction processor authorizes ACH or debit transactions occurring within the proprietary environment. The ACH or debit transaction processor then communicates with the host and at least one financial institution through a network.
Inventors
- 👤 Cassandra J. Mollett
- 👤 Melanie Schmutz-Nugent
- 👤 Judith McGuire
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 14:02
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/357; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q20/40145; G06Q30/00; G06Q30/02; G06Q30/04
Claims Analysis
Total Claims: 11
Claim 1
Independent Claim
152 words
An information management system for operation in a proprietary environment visited by a designated cardholder, the system comprising: a multi-purpose debit card coded to identify the designated cardholder, to provide access to at least one restricted area, and to identify services the card holder is entitled to receive; at least one data input device operative to receive transactional information from a merchant and the card; at least one database in communication with the at least one data input device, the at least one database operative to record transactional information and verify transactional information; at least one host including the at least one database for processing transactional information; and a transaction processor in communication with the at least one host and at least one financial institution through a network, the transaction processor operative to authorize each transaction occurring within the proprietary environment with the at least one financial institution as the transaction occurs.
Claim 2
Dependent Claim
152 words
An information management system for operation in a proprietary environment visited by a designated cardholder, the system comprising: a multi-purpose debit card coded to identify the designated cardholder, to provide access to at least one restricted area, and to identify services the card holder is entitled to receive; at least one data input device operative to receive transactional information from a merchant and the card; at least one database in communication with the at least one data input device, the at least one database operative to record transactional information and verify transactional information; at least one host including the at least one database for processing transactional information; and a transaction processor in communication with the at least one host and at least one financial institution through a network, the transaction processor operative to authorize each transaction occurring within the proprietary environment with the at least one financial institution as the transaction occurs.
Claim 3
Dependent Claim
28 words
The information management system recited in claim 1 wherein the at least one host and the at least one data input device communicate through a local area network.
Claim 4
Dependent Claim
16 words
The information management system recited in claim 1 wherein the card is a magnetic stripe card.
Claim 5
Dependent Claim
15 words
The information management system recited in claim 1 wherein the card is a smart card.
Claim 6
Dependent Claim
32 words
The information management system recited in claim 1 wherein the at least one host records the transactional information for the cardholder and produces a report for the cardholder for future marketing purposes.
Claim 7
Dependent Claim
23 words
The information management system recited in claim 1 wherein the transaction processor is in communication with the at least one data input device.
Claim 8
Dependent Claim
61 words
The information management system recited in claim 1 wherein the data input device includes a biometrics box which captures one of the card holder's fingerprints, voice, digital signature, picture or retina of the cardholder, the data input device transmitting the data to the at least one database to match the data to information stored within the database and verify the cardholder.
Claim 9
Dependent Claim
29 words
The information management system recited in claim 1 wherein at least one data input device includes a switch for directing transactional information to the host and the appropriate database.
Claim 10
Dependent Claim
45 words
The information management system recited in claim 1 further comprising a switch in communication with the at least one data input device and the host, the switch operative to direct transactional information from the data input device to one of the at least one databases.
Claim 11
Dependent Claim
35 words
The information management system recited in claim 1 wherein the host includes a switch for directing transactional information received from the at least one data input device to one of the at least one databases.
References Cited (Backward Citations)
US4367402A
Cited
US4700055A
Cited
US5276311A
Cited
US5559312A
Cited
US5256863A
Cited
US5649118A
Cited
US5544246A
Cited
US5530232A
Cited
US5500513A
Cited
US5566327A
Cited
US5710889A
Cited
US5748908A
Cited
US6056194A
Cited
US5735742A
Cited
US6126069A
Cited
US6003764A
Cited
US5902983A
Cited
US5953710A
Cited
US5870456A
Cited
US5869826A
Cited
US6158657A
Cited
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2006-01-13 | 2006-07-15 | 2007-01-14 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2010-01-13 | 2010-07-15 | 2011-01-14 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2014-01-13 | 2014-07-15 | 2015-01-14 | $7700.00 | Window Closed / Lapsed |