System for utilizing a single card to provide multiple services in an open network environment

• US 6,505,772 B1
• Filed: 06/22/2000
• Issued: 01/14/2003
• Est. Priority Date: 06/22/2000
• Status: Expired due to Term

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Schmutz-Nugent, Melanie, McGuire, Judith, Mollett, Cassandra J.
• Primary Examiner(s): Frech, Karl D.
• Assistant Examiner(s): Caputo, Lisa M.
• Application Number:
  US09/599,704
• Time in Patent Office: 936 Days
• Field of Search: 235/379, 235/380, 235/381, 705/5, 705/30
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/04 Payment circuits
• 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 20/357 Cards having a plurality of specified features
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An information management system for operation in a proprietary environment implementing a multi-purpose card held by a designated individual. The information management system includes a multi-purpose card, at least one data input device, at least one database, a host, and a transaction processor. The card is coded to identify the rightful cardholder and to identify the services the card holder is entitled to receive. The at least one data input device receives transactional information from the merchant/service-provider and the card. The database records transactional information and verifies transactional information. The host includes the at least one database for processing transactional information. The debit transaction processor authorizes ACH or debit transactions occurring within the proprietary environment. The ACH or debit transaction processor then communicates with the host and at least one financial institution through a network.

Claims

1. An information management system for operation in a proprietary environment visited by a designated cardholder, the system comprising:

a multi-purpose debit card coded to identify the designated cardholder, to provide access to at least one restricted area, and to identify services the card holder is entitled to receive;

at least one data input device operative to receive transactional information from a merchant and the card;

at least one database in communication with the at least one data input device, the at least one database operative to record transactional information and verify transactional information;

at least one host including the at least one database for processing transactional information; and

a transaction processor in communication with the at least one host and at least one financial institution through a network, the transaction processor operative to authorize each transaction occurring within the proprietary environment with the at least one financial institution as the transaction occurs.

2. The information management system recited in claim 1 wherein the at least one host and the at least one data input device communicate through a local area network.

3. The information management system recited in claim 1 wherein the card is a magnetic stripe card.

4. The information management system recited in claim 1 wherein the card is a smart card.

5. The information management system recited in claim 1 wherein the at least one host records the transactional information for the cardholder and produces a report for the cardholder for future marketing purposes.

6. The information management system recited in claim 1 wherein the transaction processor is in communication with the at least one data input device.

7. The information management system recited in claim 1 wherein the data input device includes a biometrics box which captures one of the card holder'"'"'s fingerprints, voice, digital signature, picture or retina of the cardholder, the data input device transmitting the data to the at least one database to match the data to information stored within the database and verify the cardholder.

8. The information management system recited in claim 1 wherein at least one data input device includes a switch for directing transactional information to the host and the appropriate database.

9. The information management system recited in claim 1 further comprising a switch in communication with the at least one data input device and the host, the switch operative to direct transactional information from the data input device to one of the at least one databases.

10. The information management system recited in claim 1 wherein the host includes a switch for directing transactional information received from the at least one data input device to one of the at least one databases.