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8517264 Smart cards and user terminals including the same  
A smart card includes: a host integrated circuit (IC) and one or more secure authentication ICs disposed on a board. The host IC contacts a user's terminal. The host IC is configured to receive...
8517279 Real-time card balance on card plastic  
A system, method and prepaid payment card configured to display a current card balance on the prepaid payment card. The prepaid payment card receives a balance request from a button on the card....
8517257 Coerced robbery prevention in a cash handling device  
Methods and devices provide robbery functionality in a cash handling device. A user attempting to withdraw money from a recycler may be identified. The user may indicate a problem, such as a...
8517278 Luminous module for microcircuit device  
The electronic module (18) for an electronic device (10) such as a microcircuit card, comprises a substrate (20) delimiting first (20A) and second (20B) opposite faces. More particularly, the...
8517261 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...
8515873 WIC check processing with vendor number overlay system and method  
A system and method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and...
8511541 Money handling system  
In order to improve a handling efficiency of a deposit operation and a dispense operation as a whole, a money handling system of the present invention includes: a reception unit configured to...
8511544 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...
8511542 Automated teller machine and voice prompt method thereof  
A voice prompt method includes obtaining an image of a user and storing the obtained image as a characteristic image when users successfully log onto an automated teller machine; taking photographs...
8511543 Gift card conversion and digital wallet  
A method and a system convert the value of a gift card for use with a mobile device. The value of the gift card is determined from an issuer of the gift card. The value of the gift card is stored...
8511546 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...
8515872 Methods and apparatus for preventing fraud in payment processing transactions  
A method includes receiving an authorization request for a purchase transaction, and determining whether the authorization request arose from proximity-reading a proximity payment device. The...
8511545 Method and system for pre-filling account information  
Method and system are disclosed for automatically filling in external account information on a new account application. The method and system capture account-identifying information for an external...
8511548 Method and system for performing card-based transactions using a portable device  
Some embodiments of the present invention provide a system that performs card-based transactions. During operation, the system displays a set of magnetic-stripe cards to a user through a user...
8511550 Graphical user interface for the conversion of loyalty points via a loyalty point website  
In one embodiment, a graphical user interface includes a conversion option to convert at least a subset of non-negotiable credits earned from one into entity independent funds in accordance with a...
8510218 System and method for consumer control over card-based transactions  
A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the...
8510158 Online reward point exchange method and system with reward transactions based on user profiles  
An online reward exchange system and method of operation, which includes an exchange computer that interoperates via a computer network with user computers, reward point issuer computers, and...
8505827 Microcircuit card including a luminous means  
The microcircuit card (10) comprising a body (12) delimiting an edge (14) of the card (10). The body (12) incorporates a luminous means (16) capable of illuminating at least partially the edge (14)...
8510162 Loyalty host interface  
The present invention relates to translating loyalty requests between loyalty clients and loyalty hosts. For example, one embodiment of the present invention provides a method for translating...
8505814 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...
8505813 Customer benefit offer program enrollment  
Apparatus and methods for providing customer benefit offer program enrollment are provided. A system for enrolling a purchasing instrument in an electronic customer benefit offer program an...
8500018 Systems and methods for financial transaction through miniaturized card reader with decoding on a seller's mobile device  
A financial transaction card reader device includes a housing having a slot for swiping a magnetic stripe of a financial transaction card to complete a financial transaction between a buyer and...
8500006 Gift card purchasing system  
In a disclosed embodiment, a bill pay system presents a bill payment interface having an area for presenting bill payment details. The bill payment interface includes the display of one or more...
8500031 Wearable article having point of sale payment functionality  
A wearable article is configured for providing payment information to a point of sale terminal during a transaction. The wearable article, in some embodiments, includes a band configured for...
8496168 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 that is operative to read...
8498934 Multi-account payment consolidation system  
A multi-account payment consolidation system and process, comprising a payment terminal at a point-of-sale. A central computer system is operatively coupled to the payment terminal through a...
8496167 Cash tracking system  
A system of tracking the location of cash is disclosed.
8490866 Payment card  
The invention enables to improve flexibility, reliability and service life of a payment card having embedded ornamental elements. In order to achieve the technical effect, the device includes a...
8494937 Method, system and apparatus for the establishment of a virtual banking environment in a merchant venue while increasing the deposit-based assets of optionally interfaced traditional banking institutions subject to fractional-reserve banking  
A system incorporating method and associated apparatus for establishing virtual banking in a merchant venue or syndication of merchants for one or more consumers in a manner that increases the...
8493181 Sensor tag, sensor tag device, power receiving circuit, and sensor tag device power supply method  
There is provided a sensor tag device capable of detecting event data by a sensor tag all the time even when no radio wave is received, saving power supply for a microprocessor, and enlarging the...
8490863 Secure financial report and method of processing and displaying the same  
A financial report and method for processing and displaying relevant financial information in connection therewith include at least one transaction and abbreviated record relating to the...
8490868 Banking system controlled responsive to data bearing records  
An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader operative...
8490865 Payment system and methods  
Disclosed are payment system and methods.
8490867 Banking system controlled responsive to data bearing records  
An automated banking machine operated responsive to data bearing records includes a card reader that is operative to read data from user cards including financial account identifying data, and to...
8490864 Self-service machine contact me now  
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...
8490882 Apparatus and process including radio frequency identification devices  
Disclosed are RFID tags and methods of the manufacture thereof. RFID tags may generally include a backing substrate, a covering substrate, a RFID device positioned therebetween and indelible...
8485441 System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods  
Embodiments of systems, computer program product, and related computer implemented methods to issue a closed-loop retail prepaid card including a user-designed external face using a chit, the chit...
8485432 Device for handling single sheets, for introducing and distributing rectangular single sheets, especially bank notes, respectively into and out of a container  
A single sheet handling device (14a to 14d, 30, 200, 252, 270, 350) for the input and the output of rectangular single sheets (38) respectively into and out of a container (12a to 12d). These...
8489478 Virtual terminal for payment processing  
In some embodiments, a process for performing transaction tasks using a virtual terminal comprises: presenting functions to a user, receiving a selected function, and performing the selected...
8485437 Systems and methods for programmable payment cards and devices with loyalty-based payment applications  
A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may...
8489505 Method and system to accept and settle transaction payments for an unbanked consumer  
A system and method is provided to accept and settle transaction payments for a consumer. The consumer initiates a transaction with a merchant, and the merchant transmits transaction information to...
8485435 System and method of financial instrument processing with duplicate item detection  
A method and system for processing financial instruments to detect the presence of duplicate instruments. The method may include the steps of receiving items of information for a plurality of...
8485434 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...
8485442 Electronic transaction verification system with biometric authentication  
An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction...
8485446 Shielded magnetic stripe for magnetic cards and devices  
A card may include a magnetic stripe emulator having a coil with magnetic or non-magnetic material located inside and/or outside of the coil. A shield may be located adjacent to the magnetic...
8485433 Terminal fascia  
A fascia for a public access terminal is described. The fascia comprises: at least one user interface element on a front portion thereof (such as a customer display or a dispense slot), and a metal...
8485427 System and method for synthetic commodity and synthetic legal tender creation  
A quantum mechanical credit unit includes a plurality of qubit strings stored in computer readable storage media and configured for comparison with challenge questions during a verification...
8489490 Systems and methods for analysis of portfolio returns and trade cost measurement based on fiduciary roles  
Preferred embodiments of the present invention comprise, for example, a method for measuring trade costs, comprising (1) capturing trade data over a predetermined time period; (2) capturing time...
8484105 System and method for providing business audit responses from legal professional  
A system and method facilitates the audit process involving a business client, an auditor, and a third-party by providing confirmations for the client upon the auditor's request. An auditor or...
8479977 Method of receiving and paying out bills  
A method of receiving and paying out bills including the steps of providing a bill passage in about the central portion of an elongate casing that extends along one side of a bill receiving chamber...