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8408455 System and method for granting promotional rewards to both customers and non-customers  
Aspects of the invention include systems and methods of using an Automated Teller Machine (ATM) to access a rewards account. The customer may access the ATM using a card or other device. Account...
8412595 Lifecycle tracking and management using RF  
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...
8403210 Installation-free chip card reader for secure online banking  
In order to use a mobile smartcard reader that can address commercial smartcards conforming to the EMV standard in a simple manner, the invention provides a method for controlling a chip card...
8403213 Time analysis at a banking system controlled by data bearing records  
A banking system controlled responsive to data bearing records utilizes a communication system in acquiring, communicating, and/or processing time analysis data related to the duration of financial...
8403205 Automated banking machine that operates responsive to data read from data bearing records  
Automated banking machines (10) operate to cause financial transfers responsive to data read from data bearing records. Each of the automated banking machines includes a card reader that is...
8403209 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...
8407486 Sending and releasing pending messages  
Releasing pending messages is provided. An electronic message is received via a network from a sending client device. The electronic message includes a request to place the electronic message in a...
8403206 Processing device for documents of value  
An apparatus for processing documents of value has a checking device for checking at least one property of a document of value in accordance with at least one predetermined criterion with a sensor...
8403207 Transaction recordal method  
A method of recording a transaction relating to a security document is disclosed. Coded data portions are provided on the security document, with each coded data portion encoding an identity of the...
8407119 Forecasting levels of currency usage and need  
A target level of funds may be defined to specify an ideal level of currency stored in a currency handling device for efficient operation. The target level may be modified based on forecasted...
8403208 Apparatus and method for a privacy shield in keypad input devices at financial transaction terminals  
An input device for inputting personal information has a keypad for selectively inputting personal information and a privacy shield that is positioned adjacent to and extends away from near the...
8397998 Data storage device, apparatus and method for using same  
A data storage device for use as a portable card, magnetically encodeable card, magnetic credit card or the like is shown. The data storage device includes a substrate having at least one surface....
8401974 Method, system, and graphic user interface for enabling a customer to access a media file  
A method, system, GUI, apparatus, and computer readable media for enabling a customer to access to a media file uploaded by a user are provided. A user profile may be generated using received login...
8401969 Virtual traveler's check  
The purchase and redemption of virtual traveler's checks is managed. A purchase request is received, which includes purchasing customer identification information and a request for one or more...
8401936 Architectural design for expense reimbursement application software  
Methods, systems, and apparatus, including computer program products, for implementing a software architecture design for a software application implementing expense reimbursement. The application...
8401964 Apparatus, method, and computer program product for encoding enhanced issuer information in a card  
Facilitating communications between an electronic payment device and an issuer host includes storing in the payment device a set of personalization parameters. A first set of status information...
8397980 Card identifying apparatus  
A card identifying apparatus according to one embodiment of the invention has a light-receiving portion that reads a card on a pixel basis of a predetermined area as a unit including color...
8401268 Optical imaging sensor for a document processing device  
A document processing device includes a controller and a sensor arrangement. The sensor arrangement illuminates a surface of documents. The gradient index lens array collects light reflected from...
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...