Portable personal-banking system

• US 5,025,373 A
• Filed: 06/30/1988
• Issued: 06/18/1991
• Est. Priority Date: 06/30/1988
• Status: Expired due to Fees

• Current Assignee: James Madison Communications LLC, JML Communications Incorporated
• Original Assignee: JML Communications Incorporated
• Inventors: Johnson, Jeffrey D., Fosler, Carl R., Keyser, George T. Jr.
• Primary Examiner(s): Fleming, Michael R.
• Assistant Examiner(s): Hayes, Gail O.
• Application Number:
  US07/214,263
• Time in Patent Office: 1,083 Days
• Field of Search: 364/408, 364/406, 380/24.23, 235/379
• US Class Current: 705/42
• CPC Class Codes: G06F 1/181 Enclosures for portable computers G06F1/1613
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• 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 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/4097 using mutual authentication between devices and transaction partners
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A portable personal banking system comprises a host computer and at least one portable terminal among a variety of terminals including automatic teller machines and personal computers. The portable terminal provides a range of banking services over an automatically dialed-up telephone connection to the host bank computer. The personal terminal comprises a keyboard and display capability with mininal key requirements and display capacity respectively. Furthermore, during a banking mode of operation, control resides in the host bank computer. Consequently, future modifications or additions to banking services may be implemented without any change to the personal terminal. Also, the costs of providing the present portable personal terminal banking terminals are minimal compared with known home information terminals such as videotex terminals or personal computers. Yet, a personal terminal serving system is compatible with a serving system including home or office personal computers equipped with modems, automatic teller machines and other bank service enhancements implemented by the serving bank. Also, during a local mode of operation without the banking system, the terminal serves as a personal banking manager. The personal terminal housing may comprise a front surface for data entry and display and a rear surface comprising a pocket for banking forms and a writing table.

Claims

1. A portable personal banking terminal for use in a banking terminal system comprising:

an m line by n character display where m is between one and four and n is between 12 and 32,

a data modulator and demodulator for transmitting data over a telephone line,

an automatic telephone dialer for supervising and actuating a switched telephone connection over a public switched telephone network to a host computer, a data entry means for providing ten plus i selectable choices, the choices comprising ten numerical choices and i functional elements wherein i is between two and ten and

a controller, coupled to the display, the data modulator and demodulator, the automatic telephone dialer and the data entry means, for encrypting and formatting data in packets for transmission to the host computer, for validating and controlling the display of data entered via the data entry means during any of a local, an initialization or a banking mode of operation, and for controlling actuation of the switched telephone connection to the host computer during the initialization mode of operation, the controller being further responsive to the host computer during the baking mode of operation for controlling the display and storage of text messages, prompts and data transmitted from the host computer,

the terminal adapted to be handheld and having a front and a rear surface, the front surface providing a location for the data entry means and display and the rear surface providing a pocket for banking forms and a writing table.

2. A portable personal banking terminal as recited in claim 1 where the number of lines m is 2.

3. A portable personal banking terminal as recited in claim 1 where the number of characters n is 16.

4. A portable personal banking terminal as recited in claim 1 where the number of functional elements i is six.

5. A portable personal banking terminal as recited in claim 1 further comprising timing means of the controller for automatically disconnecting the switched telephone connection after a predetermined period of time.

6. A portable personal banking terminal as recited in claim 1 further comprising an alerter for providing an audible signal of short duration for reasonable data entries and a signal of longer duration for clearly erroneous entries.

7. A portable personal banking terminal as recited in claim 1 having a unique identification number, the host computer maintaining a list of all identification numbers of all terminals and personal computers also having unique identification numbers and adaptable to serve the personal terminal with one serving system and a personal computer having access to the same host computer via another serving system by comparing the unique identification number of a personal computer or terminal communicating with the host computer with the list of identification numbers and, responsive to the comparison, selecting the serving system.

8. A portable personal banking terminal as recited in claim 1 comprising remotely controlled timing means, information messages caused to be displayed at the terminal by the host computer being displayed for a programmable display hold time.

9. A portable personal banking terminal as recited in claim 8 where the programmable display hold time is user programmable.

10. A portable personal banking terminal as recited in claim 8 where the programmable display hold time is downloadable from the host computer.

11. A portable personal banking terminal as recited in claim 1 where during the local mode of operation, the terminal is disconnected from the telephone line and the controller is responsive to terminal stored applications software.

12. A portable personal banking terminal as recited in claim 1, the display during a banking mode of operation for displaying the status of a check, the status data being retrieved from the host computer for display responsive to actuation of the data entry means in a predetermined manner following a display of a predetermined prompt.

13. A portable personal banking terminal as recited in claim 12, the status of a check having a particular number being requested via the data entry means.

14. A portable personal banking terminal as recited in claim 12, the status of all checks having a particular data being requested via the data entry means.

15. A portable personal banking terminal as recited in claim 12, the status of all checks having a particular amount being requested via the data entry means.

16. A portable personal banking terminal as recited in claim 12, a listing of all checks pending on a particular day being requested via the data entry means.

17. A portable personal banking terminal as recited in claim 1, the display during a banking mode of operation for displaying the status of a credit or deposit, the status data being retrieved from the host computer for display.

18. A portable personal banking terminal for use in an initialization and a banking mode of operation in a banking terminal system comprising a host computer and for use in a local mode of operation without the banking terminal system, the portable personal banking terminal during the local mode of operation serving as a personal banking manager and during a banking mode of operation under host computer control as a bank information retrieval terminal,

the terminal adapted to be handheld and having a front and a rear surface, the front surface providing means for data entry and display and the rear surface providing a pocket for banking forms and a writing table.

19. A portable personal banking terminal as recited in claim 18 wherein said controller comprises means for receiving the status of at least one check by receiving check status information from said host computer via a modulator and demodulator while said terminal is operating in said banking mode.

20. A portable personal banking terminal as recited in claim 18 and comprising means to display the status of a check retrieved from the host computer.

21. A portable personal banking terminal as recited in claim 18 and comprising:

data entry means;

means to display the status of the check; and

means to receive the status of a check retrieved from the host computer in response to a check number being requested via the data entry means.

22. A portable personal banking terminal as recited in claim 18 and comprising data entry means and means to receive the status of a check retrieved from the host computer responsive to a check amount entered via the data entry means.

23. A portable personal banking terminal as recited in claim 18 and comprising data entry means and means to receive the status of a check retrieved from the host computer responsive to a date of a check entered via the data entry means.

24. A portable personal banking terminal as recited in claim 18 and comprising a data modulator and demodulator for transmitting data over a telephone line between the portable personal banking terminal and the host computer.

25. A portable personal banking terminal as recited in claim 18 and comprising means for encrypting data.

26. A portable personal banking terminal as recited in claim 18 and comprising data entry means.

27. A portable personal banking terminal as recited in claim 18 and comprising a two-line character display.

28. A portable personal banking terminal as recited in claim 18 and comprising a controller for encrypting and formatting data into pockets for transmission to the host computer and for controlling the display of text messages and storage of data.