Importance

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Abstract

A universal financial data card for compiling and storing financial transaction records pertaining to a plurality of financial accounts. The financial transaction records are compiled from financial transaction data communicated between the universal financial data card and a card reader. The universal financial data card includes a memory circuit for storing holder data pertaining to a holder of the universal financial data card. The memory circuit further stores account data pertaining to the plurality of financial accounts and the financial transaction records pertaining to the plurality of financial accounts. Further, the universal financial data card includes a processor coupled to the memory circuit. There is also provided a data exchange circuit coupled to the processor. The data exchange circuit permits the universal financial data card to receive first selected data from the card reader and to send second selected data to the card reader during a financial transaction pertaining a selected one of the plurality of financial accounts, wherein the processor, responsive to the first selected data, compiles a transaction record related to the financial transaction pertaining the selected one of the plurality of financial accounts for storage in the memory circuit.

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First Claim