Electronic traveler's checks
First Claim
Patent Images
1. An electronic traveler'"'"'s check system, comprising:
- an electronic traveler'"'"'s check card having verification characteristics and a magnetic strip;
a card reader having a keypad, magnetic strip reader and display;
a server;
a valid passport belonging to a holder of said electronic traveler'"'"'s check card;
a database connected to said server, said database containing information relating to the holder of said electronic traveler'"'"'s check card, the information including the holder'"'"'s passport number, account number and amount of currency associated with said electronic traveler'"'"'s check card;
a means for allowing communication between said card reader and said server;
a means for verifying data from the card reader; and
a means for verifying currency account data and electronically transferring money;
wherein said card reader is connectable to said server.
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Abstract
An electronic traveler'"'"'s check system and method comprising an electronic travelers check card which is useable to retrieve money from point of service locations and banks. The system has a database of user information such as a pin number and the user'"'"'s passport number which is used to verify the identity of the user before a transaction can take place.
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Citations
12 Claims
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1. An electronic traveler'"'"'s check system, comprising:
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an electronic traveler'"'"'s check card having verification characteristics and a magnetic strip;
a card reader having a keypad, magnetic strip reader and display;
a server;
a valid passport belonging to a holder of said electronic traveler'"'"'s check card;
a database connected to said server, said database containing information relating to the holder of said electronic traveler'"'"'s check card, the information including the holder'"'"'s passport number, account number and amount of currency associated with said electronic traveler'"'"'s check card;
a means for allowing communication between said card reader and said server;
a means for verifying data from the card reader; and
a means for verifying currency account data and electronically transferring money;
wherein said card reader is connectable to said server. - View Dependent Claims (2, 3, 4, 5, 6, 10, 11, 12)
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7. A method of using an electronic traveler'"'"'s check system, comprising the following steps:
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a) presenting an electronic traveler'"'"'s check card and a passport of a user to an appropriate bank or vender clerk;
b) reading the electronic traveler'"'"'s check card with a magnetic card reader;
c) entering a passport number and a personal identification number of the user into said magnetic card reader;
d) verifying said passport number and said personal identification number;
e) verifying that sufficient funds are present in an account of the user linked to said electronic traveler'"'"'s check card. - View Dependent Claims (8, 9)
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Specification