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7559217 |
Method and system for offering debt recovery products to a customer
Methods and systems for offering debt recovery products to customers having delinquent accounts are disclosed. A debt recovery service retrieves delinquent account information corresponding to a...
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7559462 |
Cashless instruments having counterfeit prevention features
Cashless instruments having counterfeit prevention features and methods for detecting counterfeit cashless instruments are disclosed. A pattern of attempted redemptions or other transactional...
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7559460 |
Automated banking machine
An automated banking machine ( 10 ) includes a user interface ( 12 ) including an opening ( 20 ). Users of the machine deliver individual sheets and stacks of sheets to and from the machine through...
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7562045 |
System and method for managing relationships between brokers and traders
According to one embodiment, a method of managing access to a trading network is provided. A first network login request for a first user is received from a client application. The first network...
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7556192 |
Systems and methods for decisioning or approving a financial credit account based on a customer's check-writing behavior
Embodiments consistent with the invention provide a computer-implemented method for determining a credit risk associated with a customer. The method comprises receiving a credit request from the...
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7558418 |
Real time image quality analysis and verification
A configurable image quality analysis system for use at a point of presentment includes an input receptive of an item image of a physical item at least partially embodying a financial transaction....
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7552866 |
System and method for transferring a financial transaction account according to predetermined criteria
Migration of a first type of financial transaction instrument to a second type of financial transaction instrument is beneficial when the first instrument no longer is suitable for an account...
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7555467 |
System and method for reliable transfer of virtual stamps
The present application describes systems and methods for reliable transfer of information of value such as virtual postage stamps between a remote data center and a local device. An identifier...
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7552864 |
Method for verifying the authenticity of documents
The invention relates to a method for testing the authenticity of documents, in particular bank notes, documents of value or security documents, by authenticity criteria. To increase the...
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7552865 |
System and method for deep interaction modeling for fraud detection
The use of a variety of plastic cards to carry out monetary transactions is on the increase. It is important to ensure that such transactions are authenticated, authorized, and accounted in a best...
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7552867 |
M-commerce virtual cash system, method, and apparatus
A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the...
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7552869 |
Financial check with an electronic ink display
A reusable financial check includes an electronic ink display. The electronic ink has magnetic properties enabling magnetic reading of check information, such as an account number and a bank...
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7552870 |
Trading network resources
A Network Resource Trading Exchange which allows Access Gateway Operators (who are usually also Network User Device Users) to trade usage of Network Resources (e.g. Internet access) via their...
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7549574 |
Emergency services notification from an ATM systems and methods
Systems, methods, and software are described for facilitating contact with an emergency services provider from an ATM. An ATM network host computer system may receive a first communications signal...
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7549575 |
Money transfer systems and methods for travelers
One method involves payment of money to a recipient traveling to one or more foreign countries by entering into a remote computer money transfer information from a sender. The money transfer...
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7546945 |
System and method for managing transactions
Systems and methods for managing transactions associated with accounts of an individual are described. A method for managing transactions includes receiving information associated with the...
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7543736 |
Alternative payment devices using electronic check processing as a payment mechanism
The present invention includes a merchant system that recognizes virtually any payment device or technology that uses electronic check processing as a payment mechanism. For example, the merchant...
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7543738 |
System and method for secure transactions manageable by a transaction account provider
A system and method for securing a financial transaction using a proxy code, which is assigned a transaction account number. An account issuer permanently assigns the proxy code to a transaction...
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7543743 |
Method and system for determining inventory health with respect to a disposition channel
A method and system for determining inventory health with respect to a disposition channel. A method may include specifying a target inventory level of an inventory item; determining a rate of...
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7543737 |
Method for recharging a subscription card using wireless equipment
This invention relates to a device for recharging a contactless smart card ( 1 ) including a recharge kiosk ( 2 ) that can have an identifier specific to it and capable of communicating with a...
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7540409 |
Method for accessing a smart card from a host device
A method for accessing a smart card from a host device, the smart card being connected to the host device via a telecommunications card, the telecommunications card having a command interpreter for...
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7540410 |
Point of sale payment terminal
An integrated point of sale terminal for processing multiple payment types including payment by check includes a compact housing, a processor, and memory. The housing has a base shaped to sit on a...
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7540426 |
Foldable transaction cards and methods of making the same
Transaction cards are provided, wherein said foldable transaction cards have internal hinge material disposed within the foldable transaction card and fold lines for folding the transaction cards....
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7540408 |
Apparatus and method for facilitating money or value transfer
An apparatus and method for transferring money or value, using a wide range of interfaces to initiate a transfer and a wide range of options for receiving the transfer, including receiving the...
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7537153 |
Method and computer program product for electronically managing payment media
A method of electronically managing payment media, includes the steps of: (i) determining an amount of payment media dispensed from a payment media dispensing device, based on electronic...
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7533806 |
Reading of image data bearing record for comparison with stored user image in authorizing automated banking machine access
A system and method is carried out in connection with a card actuated automated banking machine. Image data read by a card reader from a card is compared to image data stored in an authorized...
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7533802 |
Automated banking machine system and method
A system includes cash dispensing automated banking machines ( 10 ). Each of the automated banking machines includes a cash dispenser ( 24 ) and at least one computer ( 28 ) in which a plurality of...
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7533801 |
Security device for the transportation and/or storage of printed assets
A security device for the transportation and/or storage of assets includes a chamber for receiving these assets combined with at least one tank for a destructive product, the destructive product...
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7533800 |
Transport and delivery system for valuable items
A transport system for valuable items comprises a portable container for carrying one or more valuable items therein and an enclosure arranged to receive the portable container. The portable...
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7533805 |
Data bearing record based capture and correlation of user image data at a card reading banking system machine
Based on user image data read by a card reader from a user card, a banking system machine can be used to carry out a transaction. Image data read by the card reader is compared by a computer to...
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7533803 |
Consumer directed checking account coverage system
A system and method that includes the use of a bank checking account that can be connected to insurance coverage. In particular, a banking consumer can purchase insurance coverage for unexpected...
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7530490 |
Systems and methods to perform credit valuation adjustment analyses
Pursuant to some embodiments, a method includes: identifying information associated with an existing credit position involving a first party and counterparties; identifying information associated...
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7527191 |
System for selling, buying, lending, and renting virtual region and method thereof
A device presents selling information about a virtual region of a selling object in a virtual world. An accepting device accepts a message that represents that a buyer will buy the virtual region...
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7527198 |
Operation monitoring and enhanced host communications in systems employing electronic article surveillance and RFID tags
A system and method for monitoring operation and performance of electronic tags such as article surveillance (EAS) tags or radio frequency identification (RFID) tags such as by monitoring and...
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7527194 |
Method and system for processing a transaction
A method of, and system for, processing payment for a transaction is provided. The method includes providing a user with an option to select payment for the transaction from an account associated...
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7527192 |
Network based method of providing access to information
A computer implemented method of providing access to information includes issuing a secure identification element to a user. Such secure identification element is then submitted to a requesting...
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7523857 |
ATM with security sensing system for cash dispenser customer interface gate
An automated banking machine operates in response to data read from user cards and dispenses cash to authorized users. The machine includes at least one processor which controls various banking...
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7523858 |
Device and methods for secure transactions
Embodiments of the present invention provide users with apparatus and methods for managing user data and for making and accepting payments. A system for enabling secure payment transactions...
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7523859 |
System and method for securing transactions in a contact center environment
A system and method for protecting confidential user information employed in an electronic transaction. The system and method provide for associating an expiration time/time period, use or other...
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7520423 |
Multi-vendor agent for a self-service terminal
A self-service terminal includes at least one electromechanical hardware component (e.g., a display monitor, a card reader, a cash dispenser, a cash acceptor, and a statement printer) configured to...
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7520420 |
Systems and methods for generating receipts
Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a...
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7520422 |
System and method for depositing negotiable instruments
A system and method of electronically depositing negotiable instruments. The present invention imparts a process by which a negotiable instrument casher may electronically deposit negotiable...
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7520421 |
System and method to create electronic deposit records and to track the status of a deposit
A method of making, tracking and confirming the receipt of bank deposits by a user to a financial institution is disclosed. The method includes first accessing a user account on a database,...
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7516882 |
Remote validation system useful for financial transactions
A financial services and transaction network including multiple networked validation stations and remote terminals allows users to access a number of financial services and transactions. A user...
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7517163 |
Pressure pad engagement mechanism using sliding actuator
A slide track of a notched slider control can include a continuous path extending between two end points. A slider can be a graphical element able to move along the slide track. The end points can...
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7514646 |
Methods and apparatus for wireless display units for document trays in financial document processing
Techniques for use of wireless labels to provide information relating to documents in a document processing operation are described. A plurality of document processing trays each have affixed a...
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7513432 |
Card dispenser adjustable subject to the size of the cards to be dispensed
A card dispenser includes a dispenser body, which has an accommodation chamber for receiving a stack of cards for dispensing, an output port, and a delivery path connected between the accommodation...
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7513418 |
Systems and methods for performing a simplified risk assessment
Systems and methods are provided for a simplified risk assessment for a promissory transaction when sufficient historical transaction information exists for the check writer. In an embodiment, a...
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7513413 |
Correlation of suspect currency note received by ATM to the note depositor
The apparatus enables identifying data relating to a suspect currency note received by an ATM to be correlated with identifying data relating to the depositor of the suspect note. A note validator...
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7513421 |
Transaction terminal device and transaction terminal control method
A transaction terminal device executing a customer transaction includes a tamper-proof secured module detachably incorporated in a main unit, and an unsecured module that is not tamper-proof and is...
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