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8267315 Exchange of non-negotiable credits for entity independent funds  
In one embodiment, credits earned by an end-user from previous interactions between the end-user and an entity can be stored. The storing of credits can alter one or more records of a credit...
8267312 M-commerce virtual cash system, method, and apparatus  
A virtual cash system, method, and apparatus for establishing account records containing a record of money amounts associated with a wireless device and a security code comprising a code portion to...
8261982 Solicitation-response lifecycle tracking and management  
Tracking and management data for a solicitation and response lifecycle is disclosed. The system generates and links tracking data for both the solicitation and the response, generates indicators...
8261987 Card processing device and a card processing system  
To provide a card processing device that can accurately determine whether or not a normal card is inserted at a card insertion slot. A card processing device is equipped with a width-detecting...
8261978 Wallet consolidator to facilitate a transaction  
A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction is provided. An embodiment of a Wallet...
8261902 Method and apparatus for processing unclaimed cash redemption receipts in a self-service cash redemption machine  
A coin exchange machine (10) and method in which a coin counting mechanism (25, 23) receives a plurality of coins from a customer and counts the coins to determine a total, a dispensing mechanism...
8261976 ATM transaction authorization based on user location verification  
An automated banking machine transaction request is authorized based on the determined location of an authorized user relative to the machine. Identification of an authorized machine user is linked...
8261975 Automated banking machine that operates responsive to data bearing records  
An automated banking machine controlled responsive to data bearing records includes a card reader that reads identifying data from a user card. The automated banking machine is operative to receive...
8261974 Integrated financial transaction and access system  
A universal digital information management and transaction system facilitates a consumer's ability to organize, use and obtain personal data related to a consumer, including for example, the...
8261968 Paper sheet handling system, method of use thereof, and method of use of bar-code ticket handling machine  
A method of use of a paper-sheet handling system including the steps of: preparing a paper-sheet handling system configured to handle a bundle of paper-sheets including banknotes and bar-code...
8256666 Processing transactions of different payment devices of the same issuer account  
Each portable payment device associated with a single account within a payment processing system is distinguished using track data. The track data from the portable payment device is read at each...
8260720 Systems and methods for emergency duress security code and related instructions  
A system, method, and computer-usable medium are disclosed for identifying transactions resulting from the access of a financial account while a user is under duress. A user provides a duress...
8260669 System and method of transferring transaction information upon occurrence of a triggering event  
A method of transmitting and posting transaction information from a client to a financial institution is presented. In some arrangements, transaction information may be stored at a cash handling...
8260692 Online safety deposit box inventory system  
Embodiments of the invention provide systems, methods, and computer program products for an online safety deposit box inventory management system. A customer may securely log into the customer's...
8260705 Systems, methods and program products for deposit and withdrawal processing  
A method, system and program product, the method comprising: obtaining a plurality of net credit/debit amounts during a month period; generating data for depositing/transferring funds to or...
8251281 Automated banking system controlled responsive to data bearing records  
An automated banking machine operative to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader that is operative to read...
8254881 Network systems and methods utilizing mobile devices to enhance consumer experience  
Network systems and methods for utilizing mobile devices to enhance customer experiences are disclosed herein. A first aspect of the present invention facilitates a customer to acquire a membership...
8251286 System and method for conducting secure PIN debit transactions  
The invention relates to a system for secure multi-factor authentication using dynamic data, the system including a card reader, and a computer having a display, wherein the card reader is...
8255242 System and process for dispensing value in response to an authorization over an electric data network  
An insurance payment distribution system is disclosed for distributing data representative of money from a central station to selected individuals to be used at selected locations. The system...
8255598 Method and apparatus for managing item sequence numbers in an item processing system  
Method and apparatus for managing item sequence numbers in an item processing system. The invention provides for overrun prevention and management of item sequence numbers, which form a part of an...
8245919 Systems and methods for gesture-based interaction with computer systems  
The present disclosure facilitates gesture-based interaction with a computer-system. The method may comprise pairing a transaction account with a likeness, receiving the likeness and a transaction...
8245918 Method and system for random data access for security applications  
A method for securely handling processing of information includes, in a chip, selecting one of a plurality of data processes based on a random index. After a randomly allocated time interval has...
8245915 Automated banking machine with noncontact reading of card data  
An automated banking machine operates responsive to data read from data bearing records. The data corresponds to user card data received from a cell phone. The machine generates and displays a...
8245920 System and method for reconciling credit card payments with corresponding transactions  
One embodiment of the present invention provides a system for facilitating a financial transaction. During operation, the system receives a request for a financial transaction from a merchant,...
8245911 M-commerce virtual cash system, method, and apparatus  
A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the...
8245913 Automated banking machine with noncontact reading of card data  
An automated banking machine operates responsive to data read from data bearing records. The data corresponds to user card data received from a cell phone. The machine generates and displays a...
8245912 Automated banking machine that operates responsive to data bearing records  
An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user...
8245916 Card activated cash dispensing automated banking machine system and method  
An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia...
8245939 Investing funds from pre-paid payment accounts  
The present invention extends to methods, systems, and computer program products for investing funds from pre-paid payment accounts. Funds from accounts within a payment system are invested on...
8245914 Automated banking machine with noncontact reading of card data  
An automated banking machine operates responsive to data read from data bearing records. The data corresponds to user card data received from a cell phone. The machine generates and displays a...
8249989 Check cashing at automated teller machine  
A system and method of check cashing at an ATM are provided. In some examples, the system and method may include receiving a check at an ATM that does not include denominations of bills and/or...
8245925 Online purchaes involving an exchange of non-negotiable credits with restrictions into entity independent negotiable funds without the restrictions  
Non-negotiable credits can be identified that are from previous interactions with an entity. The previous interactions can earn the non-negotiable credits. A quantity of the non-negotiable credits...
8245909 Method and system for implementing a card product with multiple customized relationships  
According to one embodiment, the present invention relates to a method and a system for implementing a card product or access mechanism with multiple relationships with an issuing entity (e.g.,...
8245910 Stored-value card management method and system  
A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is...
8245917 Banking apparatus controlled responsive to data bearing records  
An automated banking machine system includes an automated banking machine controlled responsive to data bearing records. The machine includes a card reader that is operative to read user...
8245076 Method and apparatus for initiating corrective action for an electronic terminal  
A method and device are provided for initiating corrective actions for a terminal, such as an ATM. A method of initiating corrective actions for a terminal comprises, monitoring a fault status of a...
8240573 Container for electronic device that allows multiple functions over a vending machine  
A holding device which holds components of an electronic device, which is able to perform multiple functions on a vending machine is described. The device safely holds the components to ensure...
8240556 Card activated cash dispensing automated banking machine system and method  
An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia...
8240557 Collaborative negotiation techniques for mobile personal trusted device financial transactions  
Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's...
8244609 Payment management on mobile devices  
Embodiments of techniques and systems for asynchronous offline bill review and payment are described. A bill payment management module, operated on a manageability engine on a mobile device,...
8240566 Blocking device for a magnetic-stripe card reader  
A blocking device for a magnetic-stripe or EMV® card reader, such as readers on an Automated Teller Machine (ATM), point of sale (POS) machine, or gas station pump. The blocking device securely ...
8240554 System and method of financial instrument processing with duplicate item detection  
A method and system for processing financial instruments in order to detect the presence of duplicate instruments. The method may include the steps of receiving discrete items of identifying...
8240555 Banking apparatus controlled responsive to data bearing records  
An automated banking machine operated responsive to data bearing records includes a card reader that is operative to read data from user cards including financial account identifying data, and to...
8240553 Method and apparatus for providing electronic data  
Apparatus for providing electronic data associated with an item to a user, the apparatus comprising a memory tag scanner arranged to communicate with a memory tag associated with an item, a user...
8239964 On-demand physically secure data storage  
Safe deposit boxes, services, and methods for physically secure data storage are provided that include securing a network-enabled computer within a safe deposit box, receiving, in the...
8235285 Systems and methods for gesture-based interaction with computer systems  
The present disclosure facilitates gesture-based interaction with a computer-system. The method may comprise pairing a transaction account with a likeness, receiving the likeness and a transaction...
8235284 Systems, methods and apparatus for receiving images of one or more checks  
Images of a plurality of checks to be presented for payment may be captured through the use of a check sleeve. The check sleeve includes check-holding mechanism to hold one or more checks in place...
8235288 Method for use in association with identification token and apparatus including identification token  
In some embodiments, a method comprises: sensing at least one of movement and position of an identification token; determining if a criteria is satisfied; and enabling operation of the...
8235283 Banking system operated responsive to data read from data bearing records  
A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions may also be carried out through communication with local and remote service...
8235282 Dynamic hold decisioning using adjusted deposit amount  
Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that...