Patent ID: 6289324
Filing Date: 2001-09-11
Classification: G06Q,G07F

Abstract:
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 least one terminal including a means for transmitting and receiving data corresponding to the user account information, a smart card interface device;and a smart card;wherein access to said records of user account information are organized in a hierarchy of three or more levels, said hierarchy of three or more levels comprising an initial level, a final level, and one or more intervening levels;wherein said records of user account information are accessed by passing through said hierarchy of three or more levels; andwherein means are provided for allowing access to the final level in the hierarchy by an automated task without passing through said one or more intervening levels.