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8393534 Automated banking machine that operates responsive to data bearing records  
An automated banking machine operates to carry out financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user...
8396725 Method and system configured for facilitating management of international trade receivables transactions  
A receivables transaction management platform is configured for facilitating management of international trade receivables transactions. The platform includes a task manager layer and a platform...
RE44059 Method for reconciling a financial account from a portable account register  
A method for reconciling a financial account of a user on a user device. A user list of transactions that have been entered by the user are accessed. A list of transactions from a financial...
8396278 Document processing system using full image scanning  
A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill...
8395523 Method and system for preventing fuel theft  
A method and system for preventing fuel theft includes one or more tamper detection sensors mounted on a fuel dispenser, the tamper detection sensors being operable to detect dislocation of one or...
8396748 Activating licensable component of consumer electronic device at point of sale  
A purchaser of a CE device informs a retail clerk, at the point of sale (POS) of features of the CE device the purchaser wishes to employ, some of which require a license. The CE device is vended...
8393533 Automatic transaction processing apparatus  
In an automatic ticketing apparatus in which a customer-operated display screen (2) operated by a customer also serves as a maintenance display screen, the customer-operated display screen (2) is...
8387863 Money depositing and dispensing machine  
The present invention provides a money depositing and dispensing machine 11 which suppresses reduction in money stored in denomination-specific storing and ejecting units 53 to be dispensed and...
8391583 Apparatus and system for imaging currency bills and financial documents and method for using the same  
Currency bills are received, transported, and imaged to produce image data from which a visually readable image of each currency bill can be reproduced. Each of the currency bills includes a...
8387868 Method and apparatus for distribution of money transfers  
A method of performing money transfer send transactions begins with receiving registration information from a customer, including customer identification and qualification information and payment...
8387869 Protecting electronic cards  
A device, a system, and methods of securing an authentication device are disclosed. A security system includes an authentication device configured for transmitting a second signal to deactivate the...
8387866 Method and system for generating a dynamic verification value  
A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first...
8387865 Banking system that operates responsive to data read from data bearing records  
An automated banking machine operates to cause financial transfers responsive to data bearing records. The automated banking machine includes a card reader that is operative to read data from user...
8387862 Electronic image cash letter validation  
Validating image cash letter (“ICL”) files using appropriate validation standards for each ICL file and, where appropriate, allowing successfully validated elements of an ICL file containing one...
8387874 Machine out of service based on business hours  
An aspect of the invention provides methods, computer media, and apparatuses to support the administration of a cash recycler system. An administrator sets hours of operation for the cash recycler...
8387864 Automated banking machine that operates responsive to data bearing records  
A system and method for dispensing documents of value from an automated transaction machine that operates responsive to data read from data bearing records. The machine includes a card reader, cash...
8387867 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. A host banking system authorizes operation of an...
8381969 Method and system for using machine-readable codes to perform a transaction  
A system and associated processes for consolidating and replacing various forms of payment (e.g. credit cards, debit cards, and cash) with a single payment system is presented. A client system can...
8381975 Dynamic hold decisioning  
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...
8381970 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 can be carried out through communication with local and remote service...
8386383 Money fund banking system with multiple banks and/or rates  
A method, system and program product for managing a plurality of individual client deposits for multiple clients, the method comprising: accessing, an electronic database, comprising: aggregated...
8376224 Self-service stations for utilizing non-negotiable credits earned from a game of chance  
Entertainment credits from a game of chance can be identified. The entertainment credits can be associated with an entity with which a user has previously interacted. The previous interactions can...
8376221 Automated banking machine with noncontact reading of card data  
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. The machine can also receive user card data...
8379914 Systems and methods for mobile image capture and remittance processing  
Systems and methods are provided for capturing and processing images of remittance coupons using a mobile device and obtaining data from the captured image which is used to set up or carry out...
8376220 Automatic teller machine  
An automatic teller machine includes a chassis, a user interface module; and a pair of sliding mechanisms. The user interface module is rotatably attached to the chassis. The pair of sliding...
8380597 International banking system and method  
A system an method for providing banks with access to a previously inaccessible exiting international infrastructure. A provider bank first establishes on its system, a set of accounts for each of...
8380573 Document processing system  
A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past an image...
8376223 Method and apparatus for securely activating a credit card for a limited period of time  
An apparatus and methods securely activate a credit or debit card for a single purchase, a predetermined amount of time, or a predetermined amount of purchases in a predetermined amount of time,...
8371503 Portable computerized wireless payment apparatus and methods  
A mobile user apparatus and associated methods useful for conducting payment transactions wirelessly, such as at point-of-sale locations. In one embodiment, the mobile user apparatus is a...
8365985 Banking system 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...
8370262 System and method for performing secure online transactions  
The system and method performing secure online-transactions based on challenge/response procedures executed by a terminal of at least one customer and by a terminal of a service provider, such as a...
8370221 Survey lifecycle tracking  
Tracking and management data for a survey distribution and response lifecycle is disclosed. The system generates and links tracking data for both the distribution and the response, generates...
8365999 Security element particularly for banknotes, security cards and the like, having anti-counterfeiting features  
A security element, particularly for banknotes, security cards and the like, comprising a first substrate which is at least partially opaque when viewed in transmitted light, magnetic areas being...
8370232 System and method for back office processing of banking transactions using electronic files  
As banking transactions are processed by a bank teller, all of the relevant information with respect to the transaction (e.g., dollar amount) is captured in an electronic file. Each of the...
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...