FINANCIAL CARDS AND METHODS FOR PER-TRANSACTION PERSONAL FINANCIAL MANAGEMENT
First Claim
1. A financial card for personal financial management having a body with a front side and a back side and a primary account number associated with a primary account of a user of the financial card, the card comprising:
- a user interface configured for receiving input from the user at a time of use of the financial card for selecting a subaccount indicator from among a plurality of subaccount indicators each of which is associated with a subaccount within the primary account; and
a magnetic strip positioned on the back side, the magnetic strip including a user definable portion configurable by the user at a time of use of the financial card for a transaction, the user interface configuring the user definable portion to include the user selected subaccount indicator.
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Accused Products
Abstract
Systems and methods for personal financial management using a financial card having a body with a front side and a back side, and a primary account number user associated with a primary account of a user of the financial card. A user interface is configured for receiving input from the user at a time of use of the financial card for selecting a subaccount indicator from among a plurality of subaccount indicators each of which is associated with a subaccount within the primary account. A magnetic strip is positioned on the back side and includes a user definable portion configurable by the user at a time of use of the financial card for a transaction. The user interface is adapted to configure the user definable portion to include the user selected subaccount indicator.
46 Citations
20 Claims
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1. A financial card for personal financial management having a body with a front side and a back side and a primary account number associated with a primary account of a user of the financial card, the card comprising:
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a user interface configured for receiving input from the user at a time of use of the financial card for selecting a subaccount indicator from among a plurality of subaccount indicators each of which is associated with a subaccount within the primary account; and a magnetic strip positioned on the back side, the magnetic strip including a user definable portion configurable by the user at a time of use of the financial card for a transaction, the user interface configuring the user definable portion to include the user selected subaccount indicator. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A financial transaction card for personal financial management comprising:
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a smart card having a body and an integrated microprocessor and memory including a primary account number having a plurality of subaccounts, each with a different subaccount indicator; a user interface configured for receiving a user selection of one of the subaccount indicators and providing the user selected subaccount indicator to the integrated microprocessor; and an output interface configured for providing the primary account number and the user selected subaccount indicator to a point of sale terminal at the time of use of the smart card by the user for payment of a transaction amount.
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16. A method of personal financial management using a debit card comprising:
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opening a debit card primary account having a primary account number from a financial institution; receiving the debit card from the financial institution; establishing a plurality of subaccounts within the primary account wherein each subaccount has a unique subaccount indicator; funding each of the subaccounts within the primary account with a subaccount funding amount; selecting one of the plurality of subaccount indicators for use as payment of a transaction amount; and initiating payment of a transaction amount from the primary account using the debit card including providing the selected subaccount indicator along with the primary account number. - View Dependent Claims (17, 18, 19)
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20. A financial card for personal financial management having a primary account with a plurality of subaccounts comprising:
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means for selecting a subaccount indicator associated with one of the subaccounts for use of payment of a transaction amount; means for providing a primary account number of the primary account to a transaction entity for payment of a transaction amount; and means for providing the selected subaccount indicator to the transaction entity for payment of the transaction amount from the selected associated subaccount within the primary account.
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Specification