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8474696 Payment terminal ESD test  
Systems and methods for performing test procedures for measuring and defining the sensitivity of payment terminals to ESD (electrostatic discharge) are disclosed. In some embodiments, a plurality...
8474709 Banking system controlled responsive to data bearing records  
An automated banking machine operates responsive to data bearing records to carry out financial transactions. The machine includes a card reader that operates to read data from user cards that...
8478196 Two-factor user authentication using near field communication  
A user is authenticated to a mobile computing device using an NFC tag. The NFC tag may be initially associated when an NFC reader of the device senses the NFC tag and wirelessly retrieves a tag...
8474699 Automated banking machine controlled responsive to data bearing records  
A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including financial account data, and causes operation of an...
8474694 Radio frequency identification purchase transactions  
Methods and systems for using a Radio Frequency Identification (RFID) payment card are disclosed herein. The method generally comprises receiving an indicia identifying an RFID card, receiving a...
8474718 Method for provisioning an apparatus connected contactless to a mobile device  
An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile...
8478647 Transaction product with lens  
A transaction product includes a substantially planar panel defining an aperture, a lens extending across the aperture, one or more auxiliary items, a foldable sheet, and an account identifier. The...
8474706 Printing apparatus with pre-charging unit  
A charging processing unit calculates a pre-charged amount of money based on print conditions and charges the calculated pre-charged amount of money to a card through a card reader. A job control...
8474700 Banking machine controlled responsive to data read from data bearing records  
A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head...
8474704 Automated banking machine 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...
8474702 Automated banking machine that operates responsive to data bearing records  
A banking system is controlled responsive to data read from data bearing records. The system includes a card reader that operates to read identifying data from user cards, and can authorize...
8474707 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...
8477038 Method of producing a proof of presence or of operation of an entity in an identified zone for a duration greater than a given threshold, and monitoring system  
A method for producing a proof of the presence and/or of the availability of an entity in a site over a period that is greater than or equal to a presence threshold, the method including:...
8478195 Two-factor user authentication using near field communication  
A user is authenticated to a mobile computing device using an NFC tag. The NFC tag may be initially associated when an NFC reader of the device senses the NFC tag and wirelessly retrieves a tag...
8474708 Automated banking machine controlled responsive to data bearing records with currency tracking  
An automated banking machine operates responsive to data bearing records. Users of the machine may deliver and receive records including individual sheets and stacks of sheets to and from the...
8474705 Automated banking machine that operates responsive to 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...
8469264 Protective cover for automated teller machine  
A cover for protecting the front face of ATMs consists of a single, continuous transparent sheet of flexible material designed to overlay the front face of an ATM. The cover's sheet is made up of...
8469270 Systems and methods for indicating the existence of accessible information pertaining to articles of commerce  
A system and method are provided for indicating an existence of a link to information pertaining to an article of commerce. The present disclosure provides for downloading a look-up table from a...
8469263 Check processing method, check processing program medium, and check processing apparatus  
Check processing involves scanning a back of a check having no authorization data printed thereon and also scanning a front of the check having preprinted magnetic ink characters, electronically...
8469265 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.,...
8469266 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...
8469262 Cash folding apparatus and method  
Embodiments of the present invention provide currency solutions for the visually impaired by, for example, providing automated teller machines (ATMs) or other cash dispensers configured to dispense...
8464933 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...
8464935 In-lane money transfer systems and methods  
The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification...
8464934 Method and system for purchasing goods and services for a group of individuals through a communication network  
Allowing users to organize financial resources, it is one object of the present invention to provide a ticket vending and purchasing system for preventing illegal activities, such as ticket...
8464937 Account control method and system that allows only eligible and authorized items to be purchased using the account  
The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates...
8464854 Money handling system and money handling method  
A money handling system includes a plurality of money handling machines that are configured to recognize and count money. A management device is provided to assign first and second recognition...
8459540 Vault management method and system  
A method of processing a plurality of articles of value within a cash processing center comprising sorting a plurality of articles of value according to one or more predetermined criteria,...
RE44274 Ubiquitous imaging device based check image capture  
A method or corresponding apparatus for remote transmission of a negotiable instrument. In an example embodiment, the process provides a carrier that secures a negotiable instrument. Next, the...
8459546 ATM transaction authorization based on user location verification  
An automated banking machine transaction request is authorized based on a determined location of an authorized user relative to the machine. Identification of an authorized machine user is linked...
8459545 Image-based point-of-sale mobile settlement system  
Methods and systems for facilitating image-based payment transactions through the exchange of encoded images between devices connected to a communication network. The encoded images represent...
8459544 Parental controls  
Various techniques are provided for establishing financial transaction rules to control one or more subsidiary financial accounts. In one embodiment, a financial account management application...
8453923 Method and apparatus for money transfer  
A method of performing a money transfer transaction involves receiving information at an automated kiosk from a user for a money transfer transaction, including a transaction type selection and,...
8458093 Systems and methods of transferring credit card charge to line of credit  
After a charge has been made with a credit card, the charge may be analyzed to determine if it may be transferred to a line of credit. The credit card may be monitored for purchases that match...
8453925 Method and system for performing two factor authentication in mail order and telephone order transactions  
The method for authenticating a mail order or telephone order transaction according to the present invention includes receiving authentication information from a cardholder, providing...
8453924 Banking apparatus controlled responsive to data bearing records  
An automated banking machine of a banking system operates responsive to data read from bearing records. The machine includes a card reader operative to read card data including financial account...
8458089 System, method and program product for administering fund movements using depository institution groups  
A method, system and program product, the method comprising: obtaining at or before a first source reception cutoff time, first client account transaction information; obtaining a respective net...
8448855 Method and apparatus for funding an electronic purse  
Techniques for funding an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct transactions over an...
8448849 Automated banking system controlled responsive to data bearing records  
An automatic banking machine operates responsive to data bearing records. The machine includes a card reader for reading user cards, and at least one of a note acceptor and a cash dispenser. The...
8452071 Self-service terminal and method for storing currency in self-service terminal  
A self-service terminal for storing currency, includes a detection unit, an image capturing unit, a database, and a serial number reading unit. The detection unit detects the currency. The image...
8448856 Medium processing apparatus  
A bill processing apparatus is provided that can reduce the frequency of occurrences of removal of a paper medium (dispensed bill) being forgotten. Processing a medium handover port where a paper...
8448850 Banking machine that operates responsive to data bearing records  
An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user...
8448851 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...
8452702 System, method and program product for minimizing fund movements  
A method, system and program product, the method comprising: accessing databases, comprising (i) aggregated account information for a plurality of government-backed insured interest-bearing...
8452648 Method of facilitating the marketing, redemption, and reimbursement of prepaid vehicle services in a vehicle service network  
A computer-assisted method of facilitating the marketing, redemption, and reimbursement of prepaid vehicle services in a vehicle service network. A network administrator screens vehicle service...
8444051 Self-service machine problem code  
Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that...
8444050 Item-level hold decisioning  
Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or placing holds on deposit items. For example, some embodiments provide a method that...
8447665 Removal of expiring items from inventory  
Systems and methods for the removal of expiring items from inventory are disclosed. In some embodiments, a method includes determining a breakeven holding time for an inventory item and...
8447094 Enhanced note processing  
Techniques and systems are disclosed to perform, in some examples, the steps of receiving a note or an image of a note, imaging at least a portion of the note, determining a value of at least one...
8447658 Electronic bearer bond online transaction system  
An electronic transaction system, comprising bearer bond means for providing an online electronic bearer bond having a monetary value, transaction means for performing monetary transactions with...