Patent ID: 11900358
Assignee: BANK OF AMERICA CORPORATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A system comprising:
a smart card, wherein the smart card:
is keyed to an account at a financial institution that provides a user of the smart card with the ability to perform a set of financial services; and
comprises a housing, and further comprises, embedded in the housing:
a microprocessor;
a battery;
a user interface; and
a transmitter;

a primary communication network, the primary communication network configured to facilitate, via a device configured to communicate over the primary communication network, the set of financial services; and
a secondary communication network, the secondary communication network comprising:
a server;
a plurality of end nodes that are configured to transmit communication packets; and
a gateway that receives communication packets from the end nodes and forwards the communication packets to the server;, wherein:
the smart card is one of the plurality of end nodes;
the gateway is installed proximal to a physical branch of the financial institution;
in response to a pre-determined trigger event, the smart card is configured to present to the user, via the user interface, an option to perform a limited subset of the set of financial services;
in response to receipt of a selection to perform a service from the limited subset of the set of financial services, the smart card is configured to bypass the primary communication network and transmit, to the server via the gateway, communication packets requesting the service; and
in response to receipt of the communication packets requesting the service, the server is configured to cause the service to be performed.