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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...
8479983 Automated banking machine operation authorization based on user location verified by data read from data bearing records  
An automated banking machine transaction request is authorized based on the determined location of an authorized user relative to the machine. Identification of an authorized machine user is linked...
8479984 Automated banking machine that operates responsive to data bearing records  
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...
8479976 ATM deposit verification system  
An automated banking machine (10) includes a mechanism for accepting deposited items. Items deposited into the machine through a deposit inlet (44) pass through a deposit transport (48) in which...
8483473 Systems and methods for obtaining financial offers using mobile image capture  
Systems and methods for applying for and creating balance transfers with a mobile device are provided. An image of a customer's financial statement can be taken using a mobile device, after which...
8479979 Media cassette  
A media cassette comprises: a cassette body defining a picking end and a handle end opposite the picking end, and a removable lid coupled to the cassette body. The handle end includes an engagement...
8479978 Banking system controlled responsive to data bearing records  
An automated banking machine is part of a banking system that operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that...
8479981 Multi application smartcard with currency exchange, location, tracking and personal identification capabilities  
A smart card capable of performing more than one function, said smart card comprising a first memory means comprising a first set of data to access a bank account, a second set of data to access a...
8479982 Banking system that operates responsive to data read from data bearing records  
A banking system operates to provide vault access responsive to authorizing data read from data bearing records. The system selectively permits authorized individuals to access safety deposit boxes...
8483448 Electronic sales method  
Methods are presented for facilitating sales transactions by electronic media. A temporary barcode or other design is affixed to the person or personal object during the period of time for which a...
8479980 System and method for electronic prepaid account replenishment  
A method for crediting a customer account maintained by a vendor of services in response to payment received from a customer is disclosed herein. The method includes issuing, to the customer, a...
8479985 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...
8474695 ATM security system and associated method for protecting personal information during transmission of an emergency event  
An ATM security system preferably a mechanism is provided for capturing and transmitting an occurrence of the emergency event to a backup server. Another mechanism is provided for determining...
8474701 Banking system controlled responsive to data bearing records to sequentially provide preassigned ordered marketing and campaign presentations to a particular individual over different transactions  
An automated transaction machine includes a card reader that can read a unique magnetic characteristic of a magnetic stripe on a card. The machine can then send data reflective of the read...
8474703 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...
8474697 Automated banking machine  
An automated banking machine (10) operates responsive to data read from data bearing records to cause financial transfers. The machine includes a user interface (12) including an opening (20)....
8474698 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...
8474693 Automated banking machine security system and method  
An automated banking machine (10, 30) includes a computer (32) that is operative to output a plurality of desktop environments through a display device (44) of the machine. The desktop environments...
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...