Secure transaction system
First Claim
1. A system for storing a user'"'"'s financial and personal information, the method comprising:
- establishing a database having a master file, said master file containing the user'"'"'s identification methods, personal information and a list of enrolled payment accounts;
associating said master file with a unique identification number assigned to the user; and
enabling the user to enter data into the master file under their unique identification number.
2 Assignments
0 Petitions
Accused Products
Abstract
The system of the present invention comprises a personal Virtual Safety Deposit Box where users are able to enroll their identification methods, financial accounts and personal information. Once authenticated, this information is transferred to a master file within a central databank. Enrollment enables the user to link each item (collectively referred to as the “stored data”) to any one of the plurality of identification methods they enter. Thereafter, the user may employ their enrolled identification methods to select a desired one of the stored data fields. A secure intermediary uses the identification method and a selection method to determine which of the stored data fields the user desires to employ by accessing a database containing each of the stored data fields and the corresponding selection method. The selected field is activated and any relevant outside agencies are notified of the transaction and the transaction is concluded.
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Citations
73 Claims
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1. A system for storing a user'"'"'s financial and personal information, the method comprising:
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establishing a database having a master file, said master file containing the user'"'"'s identification methods, personal information and a list of enrolled payment accounts;
associating said master file with a unique identification number assigned to the user; and
enabling the user to enter data into the master file under their unique identification number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 46, 47, 48, 49, 50, 51, 52, 53, 54, 60, 61, 62, 63, 64, 65, 66, 67, 68)
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45. The system for a Third Party to review and authenticate all data stored in the user'"'"'s master file.
- 55. The system employed to allow the user to select which stored data field is to be transmitted to the merchant or Third Party.
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69. A system for tracking customer spending within a store premises comprising an identification method capable of being detected and identifying the user without said user'"'"'s active participation;
- a plurality of readers capable of detecting said identification methods positioned within said store and a server computer coupled to said readers, for associating the identification method with a specific customer.
- View Dependent Claims (70, 71, 72, 73)
Specification