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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.
8328084 Device for receiving and/or issuing payment means and/or for processing value documents  
An apparatus for accepting and/or dispensing payment and/or for processing value documents having a housing in which there is disposed a control device for controlling at least one part of the...
8332323 Server device for controlling a transaction, first entity and second entity  
Server device for performing a transaction in a system having a first entity, such as a POS, a second entity, such as a user having a mobile phone with a digital camera, and a remote server. The...
8328086 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...
8326015 Methods for mobile image capture and processing of documents  
The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with...
8322602 Secure and portable payment system  
Payment systems are provided that utilize a portable device, and in particular, payment systems that utilize a first portable device that belongs to a seller and a second portable device that...
8322607 Method of interacting with substrate in cursor and hyperlinking modes  
A method of interacting with a substrate and communicating with a computer system using an optical sensing device operable in a plurality of modes including a cursor control mode and a hyperlinking...
8322601 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...
8322606 Electronic credit card—ECC  
An Electronic Credit Card (ECC) including a user verifier for verifying a user's identity, a code generator for generating a unique authorization code for the user, storage of the user's account...
8325018 Method and apparatus to reduce data lost on personal mobile devices  
Methods and apparatus for providing security for mobile devices are disclosed. In one embodiment, a method includes maintaining responsibility for a first item when the first item is in a first...
8322604 System and method for independent verification of circulating bank notes  
A system and method for independently verifying a bank note processor's handling of circulating bank notes. Independent detectors are provided along the transport path of a bank note processing...
8322603 Financial server, IC card terminal, and financial information processing method  
A system capable of charging up electronic money cards using a credit card is provided. A PIN is authenticated between a card terminal and the credit card. The card terminal transmits to a credit...
8321341 Online fraud prevention using genetic algorithm solution  
Online fraud prevention including receiving a rules set to detect fraud, mapping the rules set to a data set, mapping success data to members of the rules set, filtering the members of the rules...
8317087 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...
8317094 Methods and systems for displaying loyalty program information on a payment card  
A method for displaying loyalty program information on a payment card using a computer coupled to a database is described. The payment card includes a processing device coupled to a display screen....
8317088 Information kiosk terminal system  
An information kiosk terminal system includes a pedestal, a transaction unit provided at an upper part of the pedestal and adapted to be pulled out away from the pedestal, and a display unit...
8317092 Automated banking machine that outputs interference signals that jam reading ability of unauthorized card readers  
A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the...
8320539 Advanced payment for telephone services  
A method of providing telephone services includes receiving an advanced payment. The advanced payment corresponds to a fixed time interval of telephone service spanning at least one day. The method...
8317086 Communication of transaction data within a self-checkout environment  
Systems and method for communication of transaction data within a self-checkout environment are disclosed. According to an aspect, a method includes controlling a display device to display a...
8320656 Automatic creation of after-the-fact payroll journal  
A method for creating an after-the-fact (ATF) payroll journal, including identifying a payroll check cashed at a financial institution, where the payroll check is issued to an employee during a...
8317090 Methods and systems for performing a financial transaction  
A system and computer-based method for performing a financial transaction using an interchange computer coupled to a database, the interchange computer and database associated with an interchange...
8317091 Sheet processing apparatus and sheet processing method  
A sheet processing machine transmits information indicating a degree of contamination or damage for each sheet detected by a discrimination unit to a teller PC as a discrimination result. The...
8317095 Exception notification system and method  
A system and method for distributing prepaid cash alternatives and resolving exceptions related to the sale of prepaid cash alternatives such as traveler's cheques or prepaid cards. Reports of...
8317089 Manipulation detection system for removable money cassettes for use in automated teller machines  
A manipulation detection system for removable money cassettes for use in automated teller machines is described that makes it possible to discriminate between unauthorized opening of the money...
8317085 Fraudulent document detection system and method  
A system for detecting fraudulent documents comprises a barcode reader and a sensor arrangement. The output from the barcode reader and the sensor arrangement are used in conjunction to increase...
8313019 Secure check capture device  
A check capture device is disclosed. The check capture device includes a housing including a secure check storage area. The check capture device further includes a check scanner configured to...
8313020 Automated banking machine operated responsive to data bearing records  
An automated banking machine operates responsive to data bearing records such as user cards. The machine is operative to accept financial checks. The arrangement enables a card-based deposit at a...
8313022 Verification of portable consumer device for 3-D secure services  
Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a...
8313037 Simulated magnetic stripe card system and method for use with magnetic stripe card reading terminals  
A system to read magnetic stripe card(s) into a database, to select a specific card from the database, and to output the data related to that specific card to existing merchant card reader...
8313021 System and method for managing enhancement features assigned to financial presentation devices  
A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts...
8313032 Method and apparatus for time and date stamping of image files  
A method and apparatus for time stamping an image file generated by an imaging based barcode reader. The method includes initializing a current time and date on the barcode reader and tracking the...
8313023 Exchange of non-negotiable credits of an entity's rewards program for entity independent funds  
In one embodiment, a rewards program for credit cards (e.g., payment artifacts) can be established. Non-negotiable credits are accrued in response to one of the payment artifacts being used for...
8314685 Data detector for UHF RFID tags  
A method of detecting a signal in radio frequency identification (RFID) transponder (FIG. 1) is disclosed. The method includes receiving a signal (FIG. 7) having a first time in a first logic state...
8308059 Real-time card credit limit on card plastic  
A system, method and credit card configured to display a current card balance on the credit card. The credit card receives a balance request from a button on the card. After retrieving the current...
8308057 Banking apparatus controlled responsive to data bearing records  
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...
8310344 Long range radio frequency identification system  
A method, apparatus and system for radio frequency identification provides an on-off keyed amplitude-modulated illumination signal containing a sequence of bits configured to illuminate a radio...
8302854 Automated banking machine system and monitoring method  
An automated banking machine is part of a banking system that can operate to cause financial transfers responsive to data read from data bearing records, including user cards. The machine is in...
8302872 Advanced dynamic credit cards  
A credit card is provided that may include a credit card number, where at least a portion of the credit card number changes periodically. A magnetic emulator and/or magnetic stripe encoder may be...
8302853 Systems and methods for customized deposit slips  
Systems and methods for customized deposit slips are described. The system comprises a first module to receive an account selection from a user for a bank account, a second module to create a...