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Programmable multiple company credit card system
| Details |
Inventors: Wynn, Sol H.;
Assignee: Wynn; Sol H. (Elk Grove, CA)
Primary Examiner: Hajec; Donald T.
Assistant Examiner: Filipek; Jeffrey R.
Attorney, Agent or Firm:
A universal financial data card for compiling and storing financial transaction records pertaining to a plurality of financial accounts. The financial transaction records are compiled from financial transaction data communicated between the universal financial data card and a card reader. The universal financial data card includes a memory circuit for storing holder data pertaining to a holder of the universal financial data card. The memory circuit further stores account data pertaining to the plurality of financial accounts and the financial transaction records pertaining to the plurality of financial accounts. Further, the universal financial data card includes a processor coupled to the memory circuit. There is also provided a data exchange circuit coupled to the processor. The data exchange circuit permits the universal financial data card to receive first selected data from the card reader and to send second selected data to the card reader during a financial transaction pertaining a selected one of the plurality of financial accounts, wherein the processor, responsive to the first selected data, compiles a transaction record related to the financial transaction pertaining the selected one of the plurality of financial accounts for storage in the memory circuit. |
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DETAILED DESCRIPTION The present invention relates to a smart universal financial data card which allows its holder to keep track of all his financial data and financial transaction data in a highly portable package.
The inventive universal financial data card is capable of supporting multiple accounts of various types from diverse financial institutions.
By way of example, different account types such as checking, savings, credit accounts, gasoline and department store accounts, securities accounts such as stocks or bonds, accounts related to medical insurance, government support programs such as social security, food stamps, government medical support, and the like, may all be kept track of by the inventive universal financial data card.
All transactions related to the accounts stored in the universal financial data card are also kept track of thereon.
If desired, the holder may also retrieve valuable information from the universal financial data card regarding these accounts such as date of transaction, amount spent, name of payee, type of transaction, service fees, interest charges, monthly or yearly statements for each account or all accounts, and monthly or yearly data for each account or all accounts in various data formats, including spreadsheet formats.
In one embodiment, the invention relates to a universal financial data card for compiling and storing financial transaction records pertaining to a plurality of financial accounts.
In this embodiment, the financial transaction records are compiled from financial transaction data communicated between the universal financial data card and a card reader.
The universal financial data card includes a memory circuit for storing holder data pertaining to a holder of the universal financial data card.
The memory circuit further stores account data pertaining to the plurality of financial accounts and the financial transaction records pertaining to the plurality of financial accounts.
Further, the universal financial data card includes a processor coupled to the memory circuit
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Finance 
