Device, system and methods of conducting paperless transactions
First Claim
1. A pocket-sized device for storing, transmitting, and receiving information, including personal information for a user of the pocket-sized device, account information for accounts with service institutions in which the user has an account, and transactional information for account with service institutions in which the user has an account, for a plurality of service institutions, comprising:
- a. a housing, adapted to fit in a pocket or purse;
b. a processor, enclosed in the housing, the processor adapted to process personal information, account information and transactional information;
c. a touch-sensitive display, supported by the housing and coupled to the processor;
d. a memory, enclosed in the housing and coupled to the processor, the memory adapted to store personal information, account information, and transactional information, including a plurality of transaction records; and
e. a communication circuit enclosed in the housing and coupled to the processor, the processor being adapted to conduct electronic transactions for a plurality of accounts via the communication circuit.
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Accused Products
Abstract
The invention also includes 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.
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Citations
15 Claims
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1. A pocket-sized device for storing, transmitting, and receiving information, including personal information for a user of the pocket-sized device, account information for accounts with service institutions in which the user has an account, and transactional information for account with service institutions in which the user has an account, for a plurality of service institutions, comprising:
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a. a housing, adapted to fit in a pocket or purse;
b. a processor, enclosed in the housing, the processor adapted to process personal information, account information and transactional information;
c. a touch-sensitive display, supported by the housing and coupled to the processor;
d. a memory, enclosed in the housing and coupled to the processor, the memory adapted to store personal information, account information, and transactional information, including a plurality of transaction records; and
e. a communication circuit enclosed in the housing and coupled to the processor, the processor being adapted to conduct electronic transactions for a plurality of accounts via the communication circuit. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method of using a pocket-sized device having a memory and a display, the pocket-sized device adapted to conduct electronic transactions with point of sale terminals, the method comprising:
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a) inputting account information corresponding to at least one service institution in which the user has an account into the memory on the pocket-sized device;
b) selecting a service institution account on the pocket-sized device;
c) transmitting account information corresponding to the selected service institution account from the pocket-sized device to the point of sale terminal via the display of the pocket-sized device. - View Dependent Claims (13, 14, 15)
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Specification