Device, system and methods of conducting paperless transactions

• US 5,884,271 A
• Filed: 09/06/1996
• Issued: 03/16/1999
• Est. Priority Date: 06/20/1994
• Status: Expired due to Term

• Current Assignee: Satyan G. Pitroda
• Original Assignee: Satyan G. Pitroda
• Inventors: Pitroda, Satyan G.
• Primary Examiner(s): MacDonald, Allen R.
• Assistant Examiner(s): Irshadullah, M.
• Application Number:
  US08/708,555
• Time in Patent Office: 921 Days
• Field of Search: 395/241, 705/1
• US Class Current: 705/2
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• 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 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G16H 10/65 stored on portable record carriers, e.g. on smartcards, RFID tags or CD
• CPC Class Codes: Y02A 90/10 Information and communication technologies [ICT] supporting adaptation to climate change, e.g. for weather forecasting or climate simulation

Abstract

A universal electronic transaction card ("UET card") is capable of serving as a number of different credit cards, bank cards, identification cards, employee cards, medical and health care management cards and the like. The UET card includes storage elements, an input interface, a processor, a display, and a communications interface. In a preferred embodiment, the UET card stores transactional information to eliminate paper receipts and includes security features to prevent unauthorized use. The UET card may also be used to replace conventional currency and traveler'"'"'s checks, and may be configured to store and display promotional information, such as advertising and incentives.

The invention also includes systems for using UET cards, for example, health care management systems, communication interface units, and methods for using the same, including methods of issuing an account authorization to a UET card, a method of transferring transactional and account information between a UET card and a personal computer or a mainframe computer, a method of using the UET card as a remote terminal for a mainframe computer, and a method of conducting an electronic transaction.

Claims

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.

2. The universal electronic transaction card of claim 1 further comprising a pointing device for inputting information.

3. The universal electronic transaction card of claim 2 in which the pointing device is selected from a group consisting of:

a computer mouse pointing device and a computer trackball pointing device.

4. The universal electronic transaction card of claim 1 in which the inputting means includes means for inputting stored cash value information, the memory means includes means for storing stored cash value information, the communication means includes means for electronically communicating stored cash value information, the display means includes means for displaying stored cash value information, and the processing means includes means for processing stored cash value information.

5. The universal electronic transaction card of claim 1 in which the inputting means includes means for storing promotional information, the communications means includes means for electronically communicating promotional information, the display means includes means for displaying promotional information, and the processing means includes means for processing promotional information.

6. The universal electronic transaction card of claim 1 in which the security means includes means for displaying a photograph of the user.

7. The universal electronic transaction card of claim 1 in which the security means includes means for deactivating the universal electronic transaction card after an incorrect security code has been entered.

8. The universal electronic transaction card of claim 7 in which the means for deactivating the universal electronic transaction card is invoked after a predetermined number of unsuccessful attempts to enter a security code.

9. The universal electronic transaction card of claim 1 in which the security means includes means for identifying a user by finger print.

10. The universal electronic transaction card of claim 1 in which the security means includes means for identifying a user by voice print.

11. The universal electronic transaction card of claim 1 in which the security means includes means for deleting account information.

12. The universal electronic transaction card of claim 1 in which the security means includes means for deleting personal information.

13. The universal electronic transaction card of claim 1 further including a unique universal electronic transaction card identification number.

14. The universal electronic transaction card of claim 1 in which the display means concurrently displays a plurality of categories of information.

15. The UET card of claim 1 in which caller identification data is stored in the UET card along with each transaction.

16. A universal electronic transactions card and communications system 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, including at least one universal electronic transactions card adapted to fit in a pocket or a purse and at least one communications interface unit, comprising:

a. 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 memory means in the universal electronic transactions card;

b. memory means in the universal transactions card 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;

c. communications means for electronically communicating information to and from the memory means, including personal information, account information, and transactional information, with service institutions;

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

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

f. means for providing and storing electric power; and

,

g. 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.

17. The universal electronic transaction card and communications system of claim 16 in which the means for providing and storing electric power includes a rechargeable battery.

18. The universal electronic transactions card and communications system of claim 16 in which the means for providing and storing electric power includes a conductive path which is established where the universal electronic transaction card is connected to a communications interface unit.

19. The universal electronic transactions card and communications system of claim 16 in which the inputting means comprises an interface for receiving electronic information comprising at least one electrically conductive connector for directly electrically connecting to a transactional communications system to electronically receive transactional information therefrom.

20. The universal electronic transaction card and communications system of claim 16 in which the communications interface unit comprises a passive interface between the universal electronics transaction card and a personal computer.

21. The universal transaction card and communications system of claim 20 in which the communications interface unit further comprises means for recharging the means for providing and storing electric power in the universal electronic transactions card.

22. The universal electronic transaction card and communications system of claim 16 in which the communications interface unit comprises a passive interface with the universal electronics transactions card and a modem.

23. The universal transaction card and communications system of claim 22 in which the communications interface unit further comprises means for recharging the means for providing and storing electric power in the universal electronic transactions card.

24. The universal electronic transaction card and communications system of claim 16 in which the communications interface unit comprises a passive interface with the universal electronics transactions card, a modem, means for processing information, means for storing information, input means for entering information, and display means for displaying information.

25. The universal transaction card and communications system of claim 24 in which the communications interface unit further comprises means for recharging the means for providing and storing electric power in the universal electronic transactions card.

26. A health care management system comprising

a. at least one universal electronic transaction card for inputting, storing, processing, and transmitting personal information, including personal medical history, account information, and transactional information, including substantially all information normally recorded on a paper receipt;

b. at least one central health care information processing system, including means for creating, assigning and storing patient and health care provider accounts;

means for electronically communicating account information to a universal electronic transaction card;

means for receiving and storing personal information for each authorized account number;

means for communicating with a universal electronic transaction card to authorize account transactions, means for receiving and storing information relating to account transactions; and

means for storing and communicating medical histories;

c. at least one health care provider processing system, including means for electronically communicating with the central health care information processing system;

means for electronically communicating with the universal electronic transaction card; and

memory means for storing patient information; and

,

d. at least one communications system for providing communications between the universal electronic transaction card, the central health care information processing system, and the health care provider processing system.

27. The health care management system of claim 26, further including card interfacing means for interfacing between the health care provider processing system and the central health care information processing system.

28. A method of issuing an account by a service institution to a user of a universal electronic transaction card to authorize the user to use the universal electronic transaction card for the account comprising:

a. obtaining predetermined information from the user as required by the service institution;

b. issuing account information for the user, including an account number;

c. establishing an electronic communication between the user'"'"'s universal electronic transaction card and the service institution;

d. monitoring security information to identify the universal electronic transaction card and the user of the universal electronic transaction card; and

e. electronically transmitting to the user'"'"'s universal electronic transaction card predetermined account information for the service institution account and predetermined information about the service institution and the account to be displayed by the universal electronic transaction card when the universal electronic transaction card is used to conduct a credit transaction for such account.

29. The method of claim 28 in which predetermined information includes the name of the service institution account service and a graphic image of the service institution'"'"'s account service logo.

30. The method of claim 28 in which the security information includes a universal electronic transactions card identification number.

31. The method of claim 28 in which the security information includes caller identification data.

32. The method of claim 28 in which the security information includes a personal identification number entered by the user.