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Device, system and methods of conducting paperless transactions

DC
  • US 5,884,271 A
  • Filed: 09/06/1996
  • Issued: 03/16/1999
  • Est. Priority Date: 06/20/1994
  • Status: Expired due to Term
First Claim
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1. A universal electronic transaction card for storing, transmitting, and receiving information, including personal information for a user of the universal electronic transaction card, account information for accounts with service institutions in which the user has an account, and transactional information for accounts with service institutions in which the user has an account, for a plurality of service institutions, comprising:

  • a. housing means for housing inputting means, memory means, communications means, display means, and processing means, the housing means adapted to fit in a pocket or purse;

    b. inputting means for inputting information, including personal information for the user, account information for a plurality of service institutions in which the user has an account, and transactional information for each service institution for which account information exists, into the memory means;

    c. memory means for storing information, including personal information for the user, account information for a plurality of service institutions in which the user has an account, and transactional information for each service institution for which account information exists;

    d. communications means for electronically communicating information, including personal information, account information, and transactional information, with service institutions;

    e. display means for displaying information for a plurality of service institution accounts, including personal information, account information, and transactional information;

    f. processing means for processing information, including personal information, account information, and transactional information;

    g. means for providing and storing electric power, and,h. security means for preventing unauthorized use of the universal electronic transaction card and for preventing unauthorized access to the information stored in the memory means of the universal electronic transaction card.

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