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8360329 Mobile wallet with managed active and passive payment technology  
Embodiments of the invention are directed to apparatus, methods, and computer program products for allowing a user to make a payment at a payment terminal via a mobile device regardless of whether...
8360309 Reducing transaction time in a self-service terminal  
Methods of reducing transaction time in a self-service terminal are described. The methods involve pre-stacking a defined amount of media, such as a commonly withdrawn amount of money, before the...
8364588 System and method for automated detection of never-pay data sets  
Data filters, models, and/or profiles for identifying and/or predicting the never-pay population (for example, those customers that make a request for credit and obtain the credit instrument but...
8360322 System and method of a smartcard transaction with biometric scan recognition  
A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset...
8364544 Comprehensive online bidding and sales management system for merchant processing services  
A comprehensive online bidding and sales management system and method for merchant processing services of global credit card transactions. Merchants using the system can obtain multiple bid...
8360310 Methods and apparatus for user interface management in point of sale applications  
Systems and techniques for managing implementation of user interfaces and related elements of a point of sale application. A stencil is created to define aspects of a user interface to be used with...
8360311 Banking system operated responsive to data bearing records  
A banking system operates responsive to data read from data bearing records. The system is suitable for securing the contents in safety deposit boxes. Each safety deposit box includes a door having...
8356747 Banknote deposit transaction apparatus and banknote deposit transaction method  
A banknote deposit transaction apparatus (1) confirms number of deposited banknotes on a per transaction basis. The apparatus includes a bundling-object-banknote stacking unit (21) that sorts and...
8356748 Banking transaction machine that operates responsive to data bearing records  
A cash dispensing banking machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash...
8353448 Method and system for using machine-readable codes to perform automated teller machine transactions through a mobile communications device  
The present disclosure provides a number of systems and associated processes for using machine-readable codes to perform a transaction. Embodiments of the present disclosure provide a system and...
8355959 Payment service capable of being integrated with merchant sites  
A computer-implemented service integrates with merchant sites to enable registered users of the service to perform purchase transactions on the merchant sites. In one embodiment, a merchant can...
8353449 System controlled responsive to data bearing records and operative to cause financial transfers  
An automated banking machine operates responsive to data bearing records to cause financial transfers. The automated banking machine includes a card reader operative to data card read from user...
8353450 Banking system controlled responsive to data bearing recordings and user input of a phone received security code  
A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising...
8348156 Light guiding device, reader/writer device for noncontact communication medium, and electronic apparatus  
A light guiding device can be used for a reader/writer device (1) for a noncontact communication medium. The light guiding device includes a light guide plate (10) which includes: a transparent...
8348151 Cash dispensing automated banking machine with GPS  
Automated banking machines include a Global Positioning System (GPS). The machines can transmit their GPS location reading to a service center. The service center can receive through a customer's...
8348148 Metering infrastructure smart cards  
A metering infrastructure having smart devices that utilize smart cards. An infrastructure having a plurality of smart devices is disclosed wherein each smart device is adapted to be controlled by...
8348159 Wireless transaction medium having combined magnetic stripe and radio frequency communications  
A wireless financial transaction instrument, such as a card, has a magnetic stripe, a display, and an on-board power supply, such as a battery, and is usable with a dual capture point of sale...
8348152 Method of authorizing automated banking machine use responsive to user data read from data bearing records  
An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a...
8348150 In wall rotating device for exchanging items between service provider and drive-through lane customer  
A system operated responsive to data included on data bearing cards enables carrying out transactions between a service provider and a customer. Customers may be located within a vehicle in a...
8351677 Systems and methods for remote deposit of checks  
Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver...
8348155 All in one card  
The invention comprises arrangement and methods for contact- and contactless-services, e.g. payments, money transfer, electronic tickets or identity cards. A card comprises a point of service...
8351678 Duplicate check detection  
Images from checks may be compared with each other to detect a twice-deposited or represented check. An image of a check may be parsed into regions or tiles, for example. In an implementation,...
8348162 Foreign substance detection device for card reader and card reader socket  
A foreign substance detection device for a card reader includes an emitting module (1), a receiving module (2) and a control processing module (3). The emitting module (1) is embedded on a wall...
8345326 Bill processing machine  
A bill processing machine according to the present invention includes an element array portion and a light guiding member. The element array portion is arranged so as to face one side of a...
8342395 Card activated cash dispensing automated banking machine  
An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card...
8342397 Method of transmitting electronic signature during a financial transaction  
A system operates to carry out financial transfers in response to data read from data bearing records. A cell phone having a camera stores in memory indicia corresponding to account data from a...
RE43888 Bank deposit method  
According to the present invention, a business is issued a deposit card readable on a debit card reader enabling the business to transmit deposit information to its bank or financial institution...
8342398 Banking system controlled responsive to data bearing records  
An automated banking machine operates using data read from user cards. The machine is operative to transfer funds in accounts. The machine includes a user fascia adapted to be held by a lock...
8345313 Image forming apparatus, method and control program, for enabling image formation of a valid print object while disabling image formation of an invalid print object on a page including a plurality of print objects  
There is described an image forming apparatus, which make it possible to appropriately print each of a valid print object and an invalid print object. The apparatus includes: a printing section to...
8342396 Banking system controlled responsive to data bearing records  
An automated banking machine controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. User operation of the automated banking machine is...
8344857 RFID tags with synchronous power rectifier  
The present disclosure provides a power rectifier for a Radio Frequency Identification tag circuit. The rectifier is constructed from a pair of complementary MOS transistors. Gates of the...
8346663 Method and system of contactless interfacing for smart card banking  
A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface....
8342399 Conversion of credits to funds  
In one embodiment, non-negotiable credits from a user interaction with a credit providing entity can be identified. The credits can be associated with an entity with which a user has previously...
8336767 Banking apparatus controlled responsive to data bearing records  
A banking system is controlled responsive to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial...
8336763 System and method for processing transactions  
There is disclosed a transaction processing server (300), comprising: means (304) for receiving a request (224) to initiate a transaction, the request including user identification data (220) and...
8336764 Fraud control when granting instant credit  
Credit applicants may apply for instant credit, and use an instant account number (“IAN”) to make purchases after the instant credit has been granted. Fraud control methods may be used in aut...
8336769 Banking system operated responsive to data read from data bearing records  
A banking 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...
8336765 Automated banking system controlled responsive to data bearing records  
An automatic banking machine includes a card reader for reading user cards, and a cash dispenser. The automated banking machine carries out banking transactions related to user accounts based on...
8336766 Banking system controlled responsive to data read from data bearing records  
An automated banking machine is part of a banking system that operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that...
8341027 System and methods of conducting business-to-business operations by registered sellers and buyers using an internet accessible platform  
An internet accessible computer system to conduct business to business operations among a plurality of buyer companies and a plurality of seller companies. In one embodiment, the system includes at...
8336768 Money transfer systems and methods  
The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the...
8341084 Method, apparatus, and computer program product for topping up prepaid payment cards for offline use  
A card holder carries out an initial top-up of a balance of a pre-paid payment card. The prepaid payment card is configured for use in an infrastructure in accordance with a payment specification...
8335367 Banknote processing device and authentication determining and processing method  
A bill processing apparatus capable of inexpensively performing an authenticity judgment of a bill and a paper sheet on which a bar code is printed is provided. The bill processing apparatus has...
8333319 Remittance method and system for services  
Tokens containing a unique identification code that allow admission or access to entertainment or personal services are sold and distributed. A seller-distributor node on a global computer network...
8328091 Banking system controlled responsive to data bearing records  
A banking system operates to allocate funds in accounts in response to data bearing records in the form of paper financial checks. A mobile phone has a camera and a programmable memory. The memory...
8328087 Method of authorizing automated banking machine use responsive to user data read from data bearing records  
An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a...
8328085 Banking system that operates to cause financial transfers responsive to data read from data bearing records  
A banking system includes a plurality of automated banking machines and operates to cause financial transfers responsive to data read from data bearing records. Each machine (10) includes a user...
8328088 System for providing information via context searching of printed substrate  
A system for providing information to a user via a printed substrate. The system includes the printed substrate, an optically imaging pen device and a display device. The optically imaging pen...
8328083 Point-of-sale system implementing criteria-based transaction totals  
The Present Invention comprises the steps of determining a first transaction total price and a second transaction total price, for which the consumer is eligible upon the satisfaction of certain...
8332314 Text authorization for mobile payments  
A system and method enables trusted sources to easily approve requests for money transfers by simply typing in a yes or equivalent.