초록 ▼

A universal funds transfer and identification card for use with electronic terminals, such card including a random access memory for storing up to date account information sufficient to allow the completion of at least certain transactions without the intervention of a remote computer. The card incl

A universal funds transfer and identification card for use with electronic terminals, such card including a random access memory for storing up to date account information sufficient to allow the completion of at least certain transactions without the intervention of a remote computer. The card includes a plurality of storage fields, selectively addressable for storing changeable information including account balance, total amount of transactions since last update of balance, and date of last update. The information necessary for authorizing and completing a transaction is addressed by a universal terminal for transfer to the terminal from the card. The terminal is adapted to determine the credit status of the account from the information contained on the card, perform the transaction if allowed, and update the information on the card so that the card is, itself, a record of the type and status of the account.

대표청구항 ▼

In a universal funds transfer and identification card for use with electronic terminals adapted to perform transactions and produce signals for carrying out and recording said transactions, the improvement comprising, random access memory means in said card for storing information including the foll

In a universal funds transfer and identification card for use with electronic terminals adapted to perform transactions and produce signals for carrying out and recording said transactions, the improvement comprising, random access memory means in said card for storing information including the following changeable information: account balance, total amount of transactions since last update of card, and date of last update; connecting means along a single edge of said card adapted to mate said terminal for coupling signals between said card and said terminal, and means coupling said connecting means to said random access memOry means for selectively addressing fields within said memory means and transferring data between addressed fields and said terminal, whereby said card serves as an up to date record of said account. *** BRS DOCUMENT BOUNDARY ***