WO1998016911A1 - Electronic system for banking operations by teleprocessing in real time with portable personal devices - Google Patents

Electronic system for banking operations by teleprocessing in real time with portable personal devices Download PDF

Info

Publication number
WO1998016911A1
WO1998016911A1 PCT/BR1997/000055 BR9700055W WO9816911A1 WO 1998016911 A1 WO1998016911 A1 WO 1998016911A1 BR 9700055 W BR9700055 W BR 9700055W WO 9816911 A1 WO9816911 A1 WO 9816911A1
Authority
WO
WIPO (PCT)
Prior art keywords
bank
devices
electronic
display
money
Prior art date
Application number
PCT/BR1997/000055
Other languages
French (fr)
Inventor
Ivan Borges
Original Assignee
Ivan Borges
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ivan Borges filed Critical Ivan Borges
Publication of WO1998016911A1 publication Critical patent/WO1998016911A1/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

Definitions

  • This patent describes a new electronic system especially developed in order to realize all kind of banking operations in real time, by teleprocessing of data, " on line ", by portable personal electronic bank devices, connected by conventional or cellular phone, or another suitable way, with the computer system which controls a bank or financial corporation, speeding the financial operations and substituting the checks, magnetic cards and credit cards, and all other similar monetary instrument used nowadays, simultaneously allowing a sensible reduction of the paper money, this new system having safeguards against embezzlement and counterfeiting.
  • bank automation that gives to each owner of a currency bank account a magnetic card, allowing to make drafts, credits, debts and money transfers on all bank branch or 24-hours electronic cash dispenser of a financial corporation, all over the world.
  • the resources spent with the intensive use of checks by the Bank System include the costs of paper, printing, manual and electronic handling, classification, microfilming, and all the equipments necessary in each of these steps.
  • the magnetic cards and other similar instruments of banking automation were introduced because the continuous growth of the quantity of bank accounts, particularly in the greatest banks. These cards have a programmed numeric password, which allows his owners to access he bank account, making the monetary operations at any bank branch or 24-hours electronic cash dispenser.
  • the magnetic cards are susceptible to theft and embezzlement.
  • credit card Another kind of magnetic card is known as " credit card ", which allows his owner to realize commercial transactions without the use of check or currency, although he can get small amount of paper money in the 24-hours electronic cash dispenser.
  • the subject of this patent is a new electronic system working in real time, by teleprocessing of data, " on line ", using special portable personal electronic bank devices, connected by conventional or cellular phone, or another suitable way, with the computer system which controls a bank or financial corporation, speeding the financial operations and substituting the checks, magnetic cards and credit cards, and all other similar monetary instrument used nowadays, simultaneously allowing a sensible reduction of the paper money, this new system having safeguards against embezzlement and counterfeiting.
  • the connection between the new device, named " POCKET BANK ", and the bank is made by a extern or a intern modem.
  • the user can make a credit on the bank account of a person or a company, typing a numeric password and the name of the receiver, the number of his account, and the amount of money to be transferred.
  • This credit operation can be programmed for a specific date, like occurs when he bought something using a credit card.
  • More sophisticated models of these new devices allows the titleholder to access on-line a large range of informations and services, as telephone calls, consult a phonebook list or a address book, operating also as a electronic calculator, electronic pager, kidnapping alert and, on the most sophisticated models, also a miniaturized TV camera.
  • the basic model presents a lighting or liquid crystal display where his titleholder rights or type his numeric password, this device presenting a external stick for touch the display, in order to choose the desired options in the menus showed in the display, while he user will can choose between a pocket or a wrist device, according with his personal taste.
  • the device shows the bank operation in a screen or liquid crystal display, made with touch control technology, this display acting as a keyboard, activated by the touch of a special stick, attached to the body of the device by a small and flexible cord.
  • the titleholder can access several menus in the display.
  • the user buy something in a magazine, he types his numeric password, the name of the store, the number of its current bank account, and the amount of money, and the system credits the value instantaneously, showing the data of operation in the display.
  • the same display allows the owner to get all information he want about his bank accounts. Coupling the device to a computer equipped with a printer, the transaction can be showed in a printed summary, like a lot of information of different kinds.
  • the two tables reproduced at the pages 7 and 8, show respectively a example of the weekly report of a current bank account ( Table II ), as can be read in the display of the POCKET BANK, while the Table II presents a possible lay-out for the menu of functions, that also appears in the screen.
  • FIG. 1 - frontal view of a detail of the wrist device, showing the main menu in the display;
  • the invention is a new electronic system for realize al! kind of banking operations in real time, by teleprocessing of data, " on line ", by portable personal electronic bank devices ( 1 ), connected by conventional or cellular phone, or another suitable way, with the computer system which controls one or more banks or financial corporations, these devices, which uses a external or a embodied modem, having two principal embodiments: as a wrist bank, or a pocket bank, both replacing a conventional clock and being a cellular phone, the signals emitted being cryptographed by the electronic circuit, while the computers in the bank being capable to receive, decode e process it using a dedicated software especially made for this job, the devices presenting a body ( 2 ) having a base ( 3 ) that receives a miniaturized electronic circuit board ( 4 ) and a special liquid crystal display ( 5 ) or similar, involved by a rectangular frame ( 6 ), the same
  • the new devices may present different models, all of them using state-of-the-art technology, enabling its use to access on-line different kind of data and operating as a phonebook list, a address book, electronic pager, a cellular phone, an electronic calculator, and having a kidnapping alert, setting on the main menu, that sends a coded signal to special receiving apparatus on the police department, the most sophisticated models also embodying a miniaturized TV camera, having a internal link connected by the main menu, allowing the identification of the user on remote connections, as Internet access.
  • the new portable personal devices doesn't need any kind of external electronic selling terminal, being completely, being capable to make bank operations at any place, including vehicles, except planes, attending international rules for preserve the security of flight.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

This patent describes a new electronic system developed for banking operations in real time, by teleprocessing using portable personal electronic bank devices, connected by conventional or cellular phone to the computers of a bank, speeding the financial operations, substituting the checks, magnetic cards, credit cards, and all other similar monetary instrument used nowadays, and allowing a sensible reduction of amount of money paper, this new system having safeguards against embezzlement and counterfeiting. The new system uses portable personal electronic bank devices (1), connected by conventional or cellular phone to the computer system which controls a bank, these devices, which use an external or an embodied modem, having two principal embodiments: as a wrist bank, or a pocket bank, both replacing a conventional clock and being a cellular phone, the signals emitted being cryptographed by the electronic circuit, while the computers in the bank being capable to receive, decode and process it using a dedicated software especially made for this job, the devices presenting a body (2) having a base (3) that receives a miniaturized electronic circuit board (4) and a special liquid crystal display (5) or similar, involved by a rectangular frame (6), the same body having attached a small and flexible external wire (7) connected to a stick (8) to touch the surface of the display (5), so that the user can select the desired option in the menu (9) showed in the mentioned display, type his numeric password and the data (the amount of money, the name of the receiver and the correspondent current bank account) of a monetary operation, the display allowing the user to program the date of a money transference, replacing the usual credit card.

Description

" ELECTRONIC SYSTEM FOR BANKING OPERATIONS BY TELEPROCESSING IN REAL TIME WITH PORTABLE PERSONAL DEVICES "
This patent describes a new electronic system especially developed in order to realize all kind of banking operations in real time, by teleprocessing of data, " on line ", by portable personal electronic bank devices, connected by conventional or cellular phone, or another suitable way, with the computer system which controls a bank or financial corporation, speeding the financial operations and substituting the checks, magnetic cards and credit cards, and all other similar monetary instrument used nowadays, simultaneously allowing a sensible reduction of the paper money, this new system having safeguards against embezzlement and counterfeiting.
One of the more interesting phenomena in the last years of this 20et century is the globalization of all the markets. It's a revolutionary world integration, which ignores geographic, ethnic and cultural differences, inserting each citizen in a one world community, has predicted by Marshall MacLuhan in the 60es.
It's a irreversible mutation, due to the enormous progress in the ways of communication, affecting especially the financial operations by the Bank System, which can involve people and companies in opposite sides of the earth globe.
A good example of these new reality is the bank automation, that gives to each owner of a currency bank account a magnetic card, allowing to make drafts, credits, debts and money transfers on all bank branch or 24-hours electronic cash dispenser of a financial corporation, all over the world.
Notwithstanding these technical progress, there means used for commercial transactions have yet a lot of faults.
The current money is the way more used for payment, and certainly the oldest. The people who lived in Orient, hundreds of years before the birth of Jesus Christ, had your own money, as we can learn in the books who tell us about the story of mankind.
The modern paper money, as the American Dollar, will, from now on, be printed with magnetic characters, to easy its electronic processing, although they will not prevent from counterfeiting. By other hand, the paper money doesn't have some especial sign that show who is its owner, being the prefered goal for the thieves.
The check, the second more diffused mean of payment, was invented in this 20et century, in order to allow heavy commercial transactions, avoiding to handle large amounts of current money. It's more safe than the paper money, because it represents a credit, and it's necessary to cash the correspondent value in paper money in a bank branch
Nevertheless, it has several defects: the need of writing the value, which must be checked by-hand, since it's electronically processed, in addition to other more important defects: the juridical and economical ones. Actually, its main and incurable defect is the possibility of being issued without funds - it's impossible, without teleprocessing instruments, to eliminate the lapse of time between its emission and its withdrawal in the bank where the money is, for uncommonly the check is issued and delivered to the receiver inside the bank - an irregular emission that can really occur.
The resources spent with the intensive use of checks by the Bank System include the costs of paper, printing, manual and electronic handling, classification, microfilming, and all the equipments necessary in each of these steps.
The magnetic cards and other similar instruments of banking automation were introduced because the continuous growth of the quantity of bank accounts, particularly in the greatest banks. These cards have a programmed numeric password, which allows his owners to access he bank account, making the monetary operations at any bank branch or 24-hours electronic cash dispenser.
More safe than the checks, the magnetic cards are susceptible to theft and embezzlement.
Another kind of magnetic card is known as " credit card ", which allows his owner to realize commercial transactions without the use of check or currency, although he can get small amount of paper money in the 24-hours electronic cash dispenser.
There is also a third kind of magnetic card: the " smart card ", who can be electronically " carried " with a amount of credit obtained directly of the current bank account of his owner. It has a use limited to the companies joined by an agreement, and the range of financial operations it can do is very restricted to the transference of the credit stored. All the instruments above described are now in use simultaneously; none can substitute the others, because all of them have its advantagens and defects.
The system detailed in this patent can do it, because it's safe, fast, reliable, allowing its titleholder to realize all kind of bank operations and commercial transactions
The subject of this patent is a new electronic system working in real time, by teleprocessing of data, " on line ", using special portable personal electronic bank devices, connected by conventional or cellular phone, or another suitable way, with the computer system which controls a bank or financial corporation, speeding the financial operations and substituting the checks, magnetic cards and credit cards, and all other similar monetary instrument used nowadays, simultaneously allowing a sensible reduction of the paper money, this new system having safeguards against embezzlement and counterfeiting. The connection between the new device, named " POCKET BANK ", and the bank is made by a extern or a intern modem. The user can make a credit on the bank account of a person or a company, typing a numeric password and the name of the receiver, the number of his account, and the amount of money to be transferred. This credit operation can be programmed for a specific date, like occurs when he bought something using a credit card.
More sophisticated models of these new devices allows the titleholder to access on-line a large range of informations and services, as telephone calls, consult a phonebook list or a address book, operating also as a electronic calculator, electronic pager, kidnapping alert and, on the most sophisticated models, also a miniaturized TV camera.
The basic model presents a lighting or liquid crystal display where his titleholder rights or type his numeric password, this device presenting a external stick for touch the display, in order to choose the desired options in the menus showed in the display, while he user will can choose between a pocket or a wrist device, according with his personal taste.
These models substitute the traditional clock, having an internal electronic circuit that cryptographs automatically the numeric password and all the data regarding the financial transactions. These signals are received and decoded by the computer in the bank, using a software specially developed for this job.
The device shows the bank operation in a screen or liquid crystal display, made with touch control technology, this display acting as a keyboard, activated by the touch of a special stick, attached to the body of the device by a small and flexible cord.
Using the stick, the titleholder can access several menus in the display. When the user buy something in a magazine, he types his numeric password, the name of the store, the number of its current bank account, and the amount of money, and the system credits the value instantaneously, showing the data of operation in the display.
The same display allows the owner to get all information he want about his bank accounts. Coupling the device to a computer equipped with a printer, the transaction can be showed in a printed summary, like a lot of information of different kinds.
The two tables reproduced at the pages 7 and 8, show respectively a example of the weekly report of a current bank account ( Table II ), as can be read in the display of the POCKET BANK, while the Table II presents a possible lay-out for the menu of functions, that also appears in the screen.
For better knowledge of the invention, the drawings referred below show one of the several possible constructions of a personal electronic bank device, in this case a wrist model: Fig. 1 - frontal view of a detail of the wrist device, showing the main menu in the display;
Fig. 2 - view in perspective of the same model; Fig. 3 - exploded view of the device. In according with the drawings, the invention is a new electronic system for realize al! kind of banking operations in real time, by teleprocessing of data, " on line ", by portable personal electronic bank devices ( 1 ), connected by conventional or cellular phone, or another suitable way, with the computer system which controls one or more banks or financial corporations, these devices, which uses a external or a embodied modem, having two principal embodiments: as a wrist bank, or a pocket bank, both replacing a conventional clock and being a cellular phone, the signals emitted being cryptographed by the electronic circuit, while the computers in the bank being capable to receive, decode e process it using a dedicated software especially made for this job, the devices presenting a body ( 2 ) having a base ( 3 ) that receives a miniaturized electronic circuit board ( 4 ) and a special liquid crystal display ( 5 ) or similar, involved by a rectangular frame ( 6 ), the same body having attached a small and flexible external wire ( 7 ) connected to a stick ( 8 ) for touch the surface of the display ( 5 ), in order the user can select the desired option in the menu ( 9 ) showed in the mentioned display, type his numeric password and the data ( the amount of money, the name of the receiver and the correspondent current bank account ) a monetary operation, the display allowing the user to program the date of a money transference, replacing the usual credit card. The new devices may present different models, all of them using state-of-the-art technology, enabling its use to access on-line different kind of data and operating as a phonebook list, a address book, electronic pager, a cellular phone, an electronic calculator, and having a kidnapping alert, setting on the main menu, that sends a coded signal to special receiving apparatus on the police department, the most sophisticated models also embodying a miniaturized TV camera, having a internal link connected by the main menu, allowing the identification of the user on remote connections, as Internet access.
In conclusion, these devices substitutes and eliminates several personal apparatus: cellular phones, wrist watch, electronic address books, potable notebooks, microcomputers and calculators. The conventional and electronic means used today for bank operations ( check, magnetic and credit cards ) will also disappear, while the amount of paper money will be strongly reduced.
The new portable personal devices doesn't need any kind of external electronic selling terminal, being completely, being capable to make bank operations at any place, including vehicles, except planes, attending international rules for preserve the security of flight.
All kind of personal electronic bank devices similar to these above described, being a wrist or a pocket model, and having the same basic characteristics, differing only by the design, materials, size or other esthetic details, will be attached to the scope of this patent.
TABLE I - HISTORIC OF AN BANK ACCOUNT
Figure imgf000009_0001
o σ
TABLE II - MAIN MENU
□ PHONE □ CLOCK
□ PHONEBOOK □ KIDNAPPING
□ DIAL-UP D SETUP
D ADDRESS BOOK □ TV CAMERA
□ RECEIVERS □ CALCULATOR
□ PAYMENTS □ PAGER
□ BANK ACCOUNTS □ INTERNET

Claims

C L A I M S 1. " ELECTRONIC SYSTEM FOR BANKING OPERATIONS BY TELEPROCESSING IN REAL TIME WITH PORTABLE PERSONAL DEVICES ", speeding the financial operations and substituting the checks, magnetic cards and credit cards, and all other similar monetary instrument used nowadays, simultaneously allowing a sensible reduction of the paper money, this new system being c h a r a c t e r i z e d by realize all kind of banking operations in real time, by teleprocessing of data, " on line ", by portable personal electronic bank devices ( 1 ), connected by conventional or cellular phone, or another suitable way, with the computer system which controls one or more banks or financial corporations, these devices, which uses a external or a embodied modem, having two principal embodiments: as a wrist bank, or a pocket bank, both replacing a conventional clock and being a cellular phone, the signals emitted being cryptographed by the electronic circuit, while the computers in the bank being capable to receive, decode e process it using a dedicated software especially made for this job, the devices presenting a body ( 2 ) having a base ( 3 ) that receives a miniaturized electronic circuit board ( 4 ) and a special liquid crystal display ( 5 ) or similar, involved by a rectangular frame ( 6 ), the same body having attached a small and flexible external wire ( 7 ) connected to a stick ( 8 ) for touch the surface of the display ( 5 ), in order the user can select the desired option in the menu ( 9 ) showed in the mentioned display, type his numeric password and the data ( the amount of money, the name of the receiver and the correspondent current bank account ) a monetary operation, the display allowing the user to program the date of a money transference, replacing the usual credit card.
2. " ELECTRONIC SYSTEM FOR BANKING OPERATIONS BY TELEPROCESSING IN REAL TIME WITH PORTABLE PERSONAL DEVICES ", according with the firs claim, the devices being c h a ra c t e ri z e d by present different models, all of them using state-of- the-art technology, enabling its use to access on-line different kind of data and operating as a phonebook list, a address book, electronic pager, a cellular phone, an electronic calculator, and having a kidnapping alert, setting on the main menu, that sends a coded signal to special receiving apparatus on the police department, the most sophisticated models also embodying a miniaturized TV camera, having a internal link connected by the main menu, allowing the identification of the user on remote connections, as Internet access.
PCT/BR1997/000055 1996-10-14 1997-10-09 Electronic system for banking operations by teleprocessing in real time with portable personal devices WO1998016911A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
BR7603230U BR7603230U (en) 1996-10-14 1996-10-14 Electronic pulse terminal
BRMU7603230-2 1996-10-14

Publications (1)

Publication Number Publication Date
WO1998016911A1 true WO1998016911A1 (en) 1998-04-23

Family

ID=4000835

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/BR1997/000055 WO1998016911A1 (en) 1996-10-14 1997-10-09 Electronic system for banking operations by teleprocessing in real time with portable personal devices

Country Status (2)

Country Link
BR (1) BR7603230U (en)
WO (1) WO1998016911A1 (en)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000000928A1 (en) * 1998-06-26 2000-01-06 Lci/Smartpen, N.V. Apparatus and methods for imaging written information with a mobile telephone set
WO2000016252A1 (en) * 1998-09-14 2000-03-23 Inmotion, Inc. System and method for conducting and authenticating transactions
DE19909131A1 (en) * 1999-03-03 2000-09-07 Deutsche Telekom Ag Radio controlled wristwatch or pager receives information collected from Internet via radio link
US6360954B1 (en) 1997-10-22 2002-03-26 Cambridge Consultants Limited Portable cards
GB2396990A (en) * 2003-01-03 2004-07-07 Jonathan Richard Swift Wristwatch mobile phone
ES2404930A1 (en) * 2011-11-17 2013-05-29 Indalecio DE LA TORRE HERRERA Accumulator - mobile cash transmitter with limited discharge. (Machine-translation by Google Translate, not legally binding)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE3612510A1 (en) * 1985-09-20 1987-04-02 Reinhard Pientka Electronically controlled device for operating lockable or blockable devices to be opened with a keycode
DE4308597A1 (en) * 1993-03-18 1993-08-19 Marc Bode Electronic bank account unit with inter account link - provided by infrared communication with units having keyboard display and built in processing.
US5250929A (en) * 1991-07-29 1993-10-05 Conference Communications, Inc. Interactive overlay-driven computer display system
GB2276258A (en) * 1991-09-19 1994-09-21 Jerry R Martinez Validating credit information during home delivery of order

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE3612510A1 (en) * 1985-09-20 1987-04-02 Reinhard Pientka Electronically controlled device for operating lockable or blockable devices to be opened with a keycode
US5250929A (en) * 1991-07-29 1993-10-05 Conference Communications, Inc. Interactive overlay-driven computer display system
GB2276258A (en) * 1991-09-19 1994-09-21 Jerry R Martinez Validating credit information during home delivery of order
DE4308597A1 (en) * 1993-03-18 1993-08-19 Marc Bode Electronic bank account unit with inter account link - provided by infrared communication with units having keyboard display and built in processing.

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6360954B1 (en) 1997-10-22 2002-03-26 Cambridge Consultants Limited Portable cards
WO2000000928A1 (en) * 1998-06-26 2000-01-06 Lci/Smartpen, N.V. Apparatus and methods for imaging written information with a mobile telephone set
US6311042B1 (en) 1998-06-27 2001-10-30 Deschrijver Stefaan Apparatus and methods for imaging written information with a mobile telephone set
WO2000016252A1 (en) * 1998-09-14 2000-03-23 Inmotion, Inc. System and method for conducting and authenticating transactions
DE19909131A1 (en) * 1999-03-03 2000-09-07 Deutsche Telekom Ag Radio controlled wristwatch or pager receives information collected from Internet via radio link
GB2396990A (en) * 2003-01-03 2004-07-07 Jonathan Richard Swift Wristwatch mobile phone
ES2404930A1 (en) * 2011-11-17 2013-05-29 Indalecio DE LA TORRE HERRERA Accumulator - mobile cash transmitter with limited discharge. (Machine-translation by Google Translate, not legally binding)

Also Published As

Publication number Publication date
BR7603230U (en) 1998-09-15

Similar Documents

Publication Publication Date Title
KR100347878B1 (en) Fund trading device
JP3322920B2 (en) Electronic check calculator
US5594226A (en) Automated check verification and tracking system using bar code information
US4673802A (en) System for making payments for transactions
DE60037783T2 (en) Procedure to change the data stored on a universal card
EP1023692B1 (en) Portable ic card
CA2305310A1 (en) Transaction apparatus
EP0101711A1 (en) A portable device for storing and transferring data
US4775784A (en) Credit card imprinter authorization terminal
DE202005010615U1 (en) Electronic billing system with higher security
EP0057602A2 (en) Adaptable value token
NO303474B1 (en) Method and apparatus for simplifying the use of an otherwise relatively large number of credit cards and the like
CA2399708A1 (en) Electronic credit card
JPH0823905B2 (en) IC card transaction processing device
JP2000298686A (en) Device and method for processing insurance information
WO1998016911A1 (en) Electronic system for banking operations by teleprocessing in real time with portable personal devices
WO2001041082B1 (en) Bank cheque system with cheques having magnetized strips and/or storage chips
EP1001388A2 (en) Electronic transaction apparatus
JP7153123B1 (en) Payment application, payment system, payment server device, and payment content control method
GB2139457A (en) Interactive Audio Transaction Terminal
US6412691B1 (en) Electronic transaction apparatus
CN2615762Y (en) Money tax integrated terminal
US20110121081A1 (en) Financial card having integrated balance calculation
JP3564804B2 (en) Cash handling machine and cash handling system
KR100191069B1 (en) Credit card check devices using trs mode

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): CA CN JP KR US

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): AT BE CH DE DK ES FI FR GB GR IE IT LU MC NL PT SE

WWE Wipo information: entry into national phase

Ref document number: 09091294

Country of ref document: US

121 Ep: the epo has been informed by wipo that ep was designated in this application
NENP Non-entry into the national phase

Ref country code: JP

Ref document number: 1998517860

Format of ref document f/p: F

122 Ep: pct application non-entry in european phase