System And Methods For Servicing Electronic Transactions
2 Assignments
0 Petitions
Accused Products
Abstract
A method for using an electronic transaction device with an electronic transaction service provider may include the steps of registering the electronic transaction device with the electronic transaction device service provider, registering a plurality of accounts corresponding to a plurality of service institutions, providing a data connection between the electronic transaction device and the electronic transaction device service provider, and storing account information for a plurality of service institutions at the electronic transaction device service provider. The method may also include the steps of providing access to a database of client information to the client and analyzing transactional information in the database of client information for a plurality of accounts. The method may also include the steps of designating a portion of the client database non-confidential; analyzing the portion of the client database designated as non-confidential for preferences and patterns; and providing analyzed transactional information to a plurality of vendors.
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Citations
33 Claims
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1-19. -19. (canceled)
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20. A system for using an electronic transaction device having access to a network and a plurality of point of sale terminals, the electronic transaction device associated with a client and a plurality of service institution accounts, the system comprising:
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a plurality of service institutions coupled to a network, each service institution further coupled to the plurality of point of sale terminals. a transaction service provider having a storage medium configured to store database of client information, including personal information, account information, and transactional information associated with the client; a network port configured to communicate with a plurality of electronic transaction devices and with a plurality of service institutions; and a processor, configured to; receive transactional information from the electronic transaction device associated with the client via the network port; store transactional information received from the electronic transaction device associated with the client in the database of client information; receive transactional information associated with the client from the plurality of service institutions via the network port; and store the transactional information received from the plurality of service institutions in the database of client information. - View Dependent Claims (21)
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22. A system for conducting and reconciling electronic transactions, comprising:
a plurality of electronic transaction devices, each electronic transaction device having access to a network; a transaction service provider coupled to the network; a plurality of service institutions coupled to the electronic transaction device service provider; a plurality of point of sale terminals coupled to the plurality of service institutions, wherein each point of sale terminal provides access to the plurality of electronic transaction devices. - View Dependent Claims (23, 24, 25, 26, 27, 28)
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29. A method for conducting and reconciling an electronic transaction with an electronic transaction device, an electronic transaction device service provider, a service institution, and a point of sale terminal, comprising:
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conducting an electronic transaction at the point of sale terminal with the electronic transaction device; storing transactional information on the electronic transaction device; transmitting transactional information from the point of sale terminal to the service institution; transmitting transactional information stored on the electronic transaction device to the electronic transaction device service provider; coupling the electronic transaction device service provider with the service institution; comparing transactional information transmitted to the electronic transaction device service provider with the transactional information transmitted to the service institution. - View Dependent Claims (30, 31, 32, 33)
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Specification