Wireless transaction and information system
First Claim
1. A financial information and transaction system comprising:
- a host financial computer system, said host system maintaining records of user account information;
a plurality of user interface terminals for accessing said host financial computer system, at least one of said terminals comprising first means for wirelessly transmitting and receiving data, and a smart card reader;
a wireless communications interface comprising a second means for wirelessly transmitting and receiving data operatively counted to said at least one of said terminals comprising first means for wirelessly transmitting and receiving data; and
a communications interface coupled to said wireless communications interface and coupled to said host system;
wherein data corresponding to said user account information is exchanged between said host system and said at least one of said terminals comprising first means for wirelessly transmitting and receiving data via said wireless communications interface and said communications interface, such that a user obtains information and performs transactions on said host financial system through a smart card device that is coupled to said smart card reader, said smart card device including means for encrypting data which is exchanged with said host financial system.
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Accused Products
Abstract
A financial information and transaction system utilizes wireless communication in connection with portable terminals. In this system, a terminal is connected to the financial institution via a wireless or cellular telephone hook-up. Smart cards are utilized to verify authorization for transactions, thereby minimizing potential security problems which could otherwise result from use of a mobile terminal. Alternately, a smart card is advantageously utilized not only for authorization, but also to maintain a secure record of available funds. The system not only provides the functionality of an ATM network, but also provides non-financial services, thereby forming an integrated system.
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Citations
31 Claims
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1. A financial information and transaction system comprising:
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a host financial computer system, said host system maintaining records of user account information; a plurality of user interface terminals for accessing said host financial computer system, at least one of said terminals comprising first means for wirelessly transmitting and receiving data, and a smart card reader; a wireless communications interface comprising a second means for wirelessly transmitting and receiving data operatively counted to said at least one of said terminals comprising first means for wirelessly transmitting and receiving data; and a communications interface coupled to said wireless communications interface and coupled to said host system; wherein data corresponding to said user account information is exchanged between said host system and said at least one of said terminals comprising first means for wirelessly transmitting and receiving data via said wireless communications interface and said communications interface, such that a user obtains information and performs transactions on said host financial system through a smart card device that is coupled to said smart card reader, said smart card device including means for encrypting data which is exchanged with said host financial system. - 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)
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Specification