Smart card for and method of executing transactions

• US 20020052843A1
• Filed: 07/31/2001
• Published: 05/02/2002
• Est. Priority Date: 08/04/2000
• Status: Abandoned Application

• Current Assignee: Eduardo Gomez Canon
• Original Assignee: Eduardo Gomez Canon
• Inventors: Canon, Eduardo Gomez
• Application Number:
  US09/917,725
• Publication Number:
  US 20020052843A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/357 Cards having a plurality of specified features
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G07C 9/24 by means of a handwritten signature
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G16H 10/65 stored on portable record carriers, e.g. on smartcards, RFID tags or CD
• CPC Class Codes: G16H 40/67 for remote operation

Abstract

A smart card for executing a plurality of transaction types. The smart card has a card substrate, and a microchip embedded in the card substrate. The smart card also includes a magnetic medium on the card substrate. The at least one of the microchip and the magnetic medium contains information for executing a plurality of transaction types, which includes at least a medical transaction, a financial transaction, and an e-commerce transaction.

Claims

1. A smart card for executing a plurality of transaction types, said smart card comprising:

a card substrate;

a microchip embedded in said card substrate; and

a magnetic medium on said card substrate,

wherein at least one of said microchip and said magnetic medium contains information for executing the plurality of independent transaction types being coordinated through a plurality of vendors of service and products.

2. The smart card of claim 1, wherein said plurality of transaction types includes a medical transaction, a financial transaction, and an e-commerce transaction.

3. The smart card of claim 2, wherein said microchip contains medical information for executing said medical transaction.

4. The smart card of claim 3, wherein said medical information includes medicinal prescriptions.

5. The smart card of claim 2, wherein said microchip contains e-commerce information for executing said e-commerce transaction on the Internet or the World Wide Web (WWW).

6. The smart card of claim 2, wherein said magnetic medium contains financial information for executing said financial transaction.

7. The smart card of claim 1, further comprising:

a graphical depiction of a proprietor placed on said smart card.

8. The smart card of claim 1, wherein said microchip contains security information for prohibiting unauthorized access to said information contained on said smart card.

9. The smart card of claim 8, wherein said security information includes a personal information in the form of a digital signature.

10. The smart card of claim 1, wherein said microchip contains bonus rewards information based on the execution of said plurality of transaction types.

11. A method of executing a plurality of transaction types with a smart card, said method comprising at least the steps of:

executing a first transaction type by,

inserting said smart card into a first receptacle of a first card processing unit,

receiving a first transaction decision based on information of said first transaction type,

obtaining said smart card from said first card processing unit, and

executing a second transaction type by,

formulating a desired second transaction type,

availing information of said second transaction type stored on said smart card,

authorizing the execution of said second transaction type, and

obtaining said smart card, and

executing a third transaction type by,

formulating a desired third transaction type,

inserting said smart card into a second receptacle of a second card processing unit,

viewing information of said third transaction type on a display,

inputting an authenticating code,

transmitting said information of said third transaction type and said authenticating code to a server,

receiving a confirmation of said desired third transaction type, and

retrieving said smart card from said second processing unit.

12. The method of claim 11, wherein the steps of executing said first transaction type further comprises the steps of:

describing a basis for executing said first transaction type, and

receiving said first transaction decision based on information of said first transaction type and said basis for executing said first transaction type.

13. The method of claim 12, further comprises the step of:

executing said first transaction type wherein said first transaction type is a medical transaction.

14. The method of claim 13, wherein the steps of executing said first transaction type further comprises the step of:

availing said smart card to an health care service provider.

15. The method of claim 14, wherein the steps of executing said first transaction type further comprises the step of:

obtaining said smart card from said first card processing unit having updated information of said first transaction type.

16. The method of claim 14, wherein the steps of executing said first transaction type further comprises the step of:

accessing said health care service provider through an Internet Health Vertical Portal (IHVP), wherein said IHVP is configured on the Internet or the WWW.

17. The method of claim 16, wherein the steps of executing said first transaction type further comprises the step of:

scheduling an appointment with said health care service provider via said IHVP.

18. The method of claim 16, wherein the steps of executing said first transaction type further comprises the step of:

scheduling an appointment with said health care service provider.

19. The method of claim 11, further comprising the steps of:

executing said second transaction type wherein said second transaction type is a financial transaction.

20. The method of claim 19, wherein the steps of executing said second transaction type further comprises the step of:

passing said smart card through a magnetic medium reader such that said information of said second transaction type stored on said smart card is read by said magnetic medium reader.

21. The method of claim 20, wherein the steps of executing said second transaction type further comprises the step of:

formulating said desired second transaction type, wherein said desired second transaction type is to purchase a consumer product or service.

22. The method of claim 19, wherein the steps of executing said second transaction type further comprises the steps of:

inserting said smart card in an opening of an Automatic Teller Machine (ATM),

inputting a Personal Identification Number from an input unit of said ATM,

selecting said desired second transaction type from a plurality of second transaction types,

commencing said desired financial transaction type, and

retrieving said smart card from said ATM.

23. The method of claim 11, further comprises the step of:

executing said third transaction type wherein said third transaction type is an e-commerce transaction.

24. The method of claim 23, wherein the steps of executing said third transaction type further comprises the step of:

transmitting said information of said third transaction type and said authenticating code to a server configured on the Internet or the WWW.

25. The method of claim 23, wherein the steps of executing said third transaction type further comprises the step of:

formulating said desired third transaction type wherein said desired third transaction type is to purchase a consumer product or service through the Internet or WWW.