System for performing financial transactions using a smartcard

US6012049A · kind A · utility

Assignee

• Citicorp Development Center, Inc. · US

Inventor

• Joseph C. Kawan · West Hollywood, US

Key dates

• Filing date: Feb 4, 1998
• Grant date: Jan 4, 2000
• Expiry date: Feb 4, 2018

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F19/211
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A financial information and transaction system comprising a host financial computer system, which host system maintains records of user account information; at least one terminal providing a user interface for accessing the host financial computer system, the at least one terminal including a means for transmitting and receiving data corresponding to the user account information, and a smart card interface device; wherein access to the records of user account information are organized in a hierarchy of three or more levels, which hierarchy comprises an initial level, a final level, and one or more intervening levels; wherein the records of user account information are accessed by passing through the hierarchy of three or more levels; and wherein means are provided for allowing access to the final level in the hierarchy by an automated task without passing through the one or more intervening levels is described. Further, a financial information and transaction system comprising a host financial computer system, said host system maintaining records of user account information; at least one terminal providing a user interface for accessing said host financial computer system, said at …