Card holder's paging system for commercial card data network

• US 5,539,189 A
• Filed: 11/27/1992
• Issued: 07/23/1996
• Est. Priority Date: 11/27/1992
• Status: Expired due to Term

• Current Assignee: Hopeman Enterprises Limited
• Original Assignee: Hopeman Enterprises Limited
• Inventors: Wilson, Sheila
• Primary Examiner(s): Hajec, Donald T.
• Assistant Examiner(s): LEE, MICHAEL GUNYOUNG
• Application Number:
  US07/982,719
• Time in Patent Office: 1,334 Days
• Field of Search: 235/379, 379/67, 379/88, 379/90, 379/91, 379/95, 379/93, 379/94, 379/96
• US Class Current: 235/375
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like

Abstract

A financial or commercial database network is disclosed which provides a medium for communicating non-financial information from a third party to a network card holder. The third party identifies the card holder to the financial database and places a message in the financial database for the identified card holder. Subsequently, in the course of conducting a card-based financial or commercial transaction, the card holder receives the message at the network node he is currently using.

Claims

1. A system for supplying non-financial information to the holder of a bank or charge card of a financial institution and bearing an authorization code, said system comprising a central database, means for placing financial information of said financial institution relating to said holder in said central database, means for placing non-financial information received from a party other than said financial institution and intended for said holder in said central database, an account authorization device to read said authorization code of said bank or charge card, said authorization code borne by said bank or charge card being the sole identification required to identify said holder to said central database so as to forward said non-financial information to said holder.

2. A system as in claim 1 wherein said non-financial information is emergency information relating to said holder.

3. A system as in claim 2 wherein said bank or charge card is a credit card.

4. A system as in claim 2 wherein said bank or charge card is an ATM card.

5. A system as in claim 2 wherein said bank or charge card is a debit card.

6. A system as in claim 2 wherein said account authorization device includes a card reader located remotely from said central database.

7. A system as in claim 6 wherein said account authorization device is an ATM machine.

8. A system as in claim 6 wherein said account authorization device is a commercial transaction card reader.

9. A system as in claim 8 wherein said non-financial information is conveyed to said holder from said card reader by a third party.

10. A system as in claim 9 and further including means to convey said non-financial information between said party and said central database.

11. A system as in claim 10 wherein said conveying means for said non-financial information is a communication line.

12. A system as in claim 11 wherein said conveying means for said non-financial information includes a modem and an input keyboard.

13. A system as in claim 2 wherein said party other than said financial institution identifies said holder to said central database by submitting identifying information.

14. A system as in claim 13 wherein said identifying information includes an alphanumeric code.

15. A system as in claim 13 wherein said identifying information includes the holder'"'"'s name and address.

16. A method for a user to contact a subscriber having a bank or charge card of a financial institution, comprising the steps of:

a) said user contacting said financial institution and providing specific identifying data unique to said subscriber;

b) said user providing said financial institution with non-financial information intended to be provided to said subscriber;

c) said financial institution placing at least some of said non-financial information into a central database intended for transmitting to said subscriber; and

d) said financial institution conveying said non-financial information to said subscriber when said subscriber uses said bank or charge card, without said subscriber entering further identifying data other than identifying data borne by said bank or charge card.

17. A method as in claim 16 wherein said non-financial information is emergency information relating to said subscriber.

18. A method as in claim 17 wherein said bank or charge card is a credit card.

19. A method as in claim 17 wherein said bank or charge card is an ATM card.

20. A method as in claim 17 wherein said bank or charge card is a debit card.

21. A method as in claim 17 wherein said identifying information includes an alphanumeric code.

22. A method as in claim 17 wherein said identifying information includes the subscriber'"'"'s name and address.