Registers – Systems controlled by data bearing records – Banking systems
Reexamination Certificate
2011-06-07
2011-06-07
Frech, Karl D. (Department: 2887)
Registers
Systems controlled by data bearing records
Banking systems
C235S375000
Reexamination Certificate
active
07954702
ABSTRACT:
A universal financial card is provided having a first memory location, which is configured to store a plurality of financial institution identifiers. The universal financial card further includes a second memory location, which is configured to store a plurality of account identifiers which are configured to represent a plurality of accounts at the plurality of financial institutions. The universal financial card next includes a third memory location, which is configured to store identification information associated with the plurality of accounts. The identification information includes at least authorized user information. A read device is included with the universal financial card and is configured to be read by a card reader and enable a financial transaction to be executed on one of the plurality of accounts identified by one of the plurality of account identifiers.
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“Smart Card: NCR & AT&T Announce New Smart Cards ATM Technology”, Edge, Dec. 11, 1992, 2 pages.
Arigern Capital L.L.C.
Fitch Even Tabin & Flannery
Frech Karl D.
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