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7620603 |
Systems and methods using paperless check 21 items
The disclosure describes a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The...
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7617156 |
Method for minimizing overdraft charge-off
A method for minimizing overdraft charge-off in a bank account includes:
(a) identifying a plurality of factors that can result in a bank account charge-off; (b) building a case history...
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7613800 |
Communication across multiple game applications
Systems for communication across multiple game applications are provided. In various embodiments, systems of the present invention may include a first application server hosting a first game...
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7606767 |
Cash dispensing automated banking machine system and communication method
A method of operating an automated banking machine is provided. The method comprises sending a configuration XML message to an ATM from an application server, wherein the configuration XML data...
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7606763 |
Systems and methods for improving auction liquidity
Systems, methods, apparatus, and means for improving liquidity in a securities auction include selecting a cover to use to provide general liquidity to the auction, the cover having a plurality of...
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7606750 |
Method and system for displaying a spending comparison report
A system for displaying a spending comparison report includes a spending data repository, a report module, and a display device. The spending data repository is configured to store a current...
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7606408 |
Magnetic ink character reading method and program
A magnetic ink character reading apparatus, magnetic ink character reading method and program, and a POS terminal apparatus reduce recognition errors and thereby improve the read rate. The magnetic...
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7603472 |
Zero-minute virus and spam detection
Disclosed in this application are systems and methods for detecting unwanted electronic message transmissions at a certain location on an electronic communications network. The disclosed principles...
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7603315 |
Self-service terminal
A self-service terminal ( 14 ) is described The terminal is associated with an organization ( 18 ) having individuals ( 36 ) under its supervision, each individual having a sponsor, whereby the...
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7603313 |
Charging system and charging method
A user sends data for requesting a service provider to provide predetermined service and signature data created based upon the data to the service provider, the service provider calculates a fee...
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7597249 |
Automated banking machine system with multiple browsers
An automated banking machine ( 12 ) is operative to conduct transactions in response to mark up language documents and TCP/IP messages exchanged with a local computer system ( 14 ) through an...
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7594027 |
Data access using a machine-readable card
A communication system is disclosed comprising a communication network and a communication device. The communication device reads machine-readable information from a card, wherein the information...
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7590598 |
Automated banking machine with record accessibility pre-check
An automated banking machine ( 12 ) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system ( 14 ) through an intranet ( 16 ),...
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7587348 |
System and method of detecting mortgage related fraud
Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in mortgage applications. For example, one embodiment...
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7584125 |
Electronic check presentment system and method having an item sequence capability
A system and method for performing Electronic Check Presentment (ECP) processing. The system and method employ digital imaging techniques to digitally image the physical checks as they arrive...
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7580890 |
System and method for supervising account management operations
A technique for tracking and managing account movement using a delinquency movement matrix is described. Customer Service Representatives or other agents may receive a promise for a payment amount...
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7577614 |
Cash dispensing and check accepting ATM and method
An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to...
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7577611 |
Method and system for thin client based image and transaction management
Provided is a system for coordinating collection and processing of digital data by a plurality of deposit modules with respect to a plurality of users over a communications network, the digital...
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7577597 |
System for financial planning
A system for financial planning is disclosed. The system determines at least one financial strategy for assets to meet financial goals. The system determines an outcome for each of a plurality of...
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7575157 |
Fraud protection
Systems and methods are illustrated for providing enhanced fraud protection. Aspects of the fraud protection system may be implemented by a filter that may be configured to detect fraud in a...
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7571171 |
Smart trigger for use in processing business transactions
A method and system for the selective identification and execution of a specific processing task for one or more records contained in the one or more Financial Service Organization (FSO) data sets....
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7571140 |
Payment management
According to the invention, a method for a payor paying a payee using a payment account is disclosed. In one step, information on a number of payment accounts is retrieved. The payment accounts...
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7559461 |
ATM systems and methods for cashing checks
Various techniques are provided for dispensing cash from automated teller or similar cash dispensing machines where such machines do not contain or are otherwise unable to dispense coins or certain...
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7546274 |
System and method for facilitating electronic commerce transactions at an automatic teller machine
A method and system facilitate an electronic commerce transaction between an ATM and an electronic commerce merchant via a global communications network. Transaction data is received at a server...
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7529706 |
Systems and methods for performing international money exchanges
Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In...
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7520430 |
Multiservice merchant gateway
A multiservice merchant gateway (MMG) allows point of sale terminals and other devices to be interfaced with a wide area network, thereby improving speed and service to terminal owners and users,...
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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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7519554 |
Processing binary options in future exchange clearing
Systems and methods are disclosed for processing binary options (also referred to as digital options) in existing clearing systems, such as futures clearing systems. The binary option is treated,...
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7516091 |
System and method for electronic settlement using keyboard having multiple card identification and charging functions
An electronic settlement system/method includes a keyboard having multiple card identification and charging functions. The electronic settlement may include charges with a smart card, an RF card,...
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7509289 |
System and method for single event authorization control of transactions
Controlling the authorization of financial transactions, such as credit card transactions. Financial institutions and businesses can establish accounts for employees that have an authorization...
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7505939 |
Method and apparatus for a verifiable on line rejection of an applicant for credit
A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau...
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7502833 |
Method for dynamically integrating remote portlets into portals
The present invention discloses a method allowing dynamically integrating remote portlets into each Portal by providing local portlets as remote portlet Web-Services by providing, to each...
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7502752 |
System and method for delivering financial services
A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, and screen phones....
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7500598 |
Negotiable instruments and systems and processing same
There is provided a check with additional data capture capability that in conjunction with a linked transaction card provides substantially complete coverage for card holders to conduct...
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7499873 |
Communication through a financial services network
A method of communicating a message from a sender to a recipient in possession of a unique identifier by use of which the recipient can perform a transaction at a transaction terminal includes:...
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7493286 |
Filter module for a transaction processing system
A filter module for a WOSA/XFS transaction processing system is disclosed. The system includes a WOSA transaction manager which is responsive to transaction requests from at least one application....
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7493282 |
System and method for automated account management
A system and method of managing bank accounts. A bank receives, electronically, from a customer, instructions to open, to update, to debit/credit, and to close bank accounts, such as escrow...
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7475040 |
Return item early notification and return
A method, and system for processing electronic return items, the method comprising: receiving directly or indirectly from a plurality of different payor banks a plurality of different electronic...
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7472157 |
Architecture for a system of portable information agents
A method and system for providing enhanced intelligent agents that are moveable by a user from a browser application to a desktop. In specific embodiments, agents provide advanced interactive...
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7469824 |
Check accepting and cash dispensing automated banking machine system and method
An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to...
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7464057 |
Method and system for multi-currency escrow service for web-based transactions
A method and system for escrow service for web-based transactions is web-accessible and accepts registrations from exchanges and/or portal partners. The completion of registration and transactions...
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7458507 |
ATM machine and methods with currency conversion capabilities
Methods, systems, and Automated Teller Machines (ATMs) are disclosed which provide ATM currency conversion capabilities. In one embodiment, a financial account number associated with a financial...
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7444672 |
System and method for single sign on process for websites with multiple applications and services
A system and method for integrating the Internet front end-sign on processes of the various systems of a financial institution which allows a customer to view and access its various financial...
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7440924 |
Method and system for processing financial instrument deposits physically remote from a financial institution
A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to...
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7434225 |
Context information associated with message flows in a messaging system
Method, parser, messaging system, computer program and computer program product for handling context information associated with a message flow in a messaging system, the message flow having...
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7430537 |
System and method for verifying a financial instrument
A system and method for verifying a financial instrument or a user's authorization to use a financial instrument. The system initiates one or more verifying transactions involving the instrument,...
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7419088 |
Banknote serial number processing method and its device
Banknote serial number processing method and apparatus having a serial number recording step where images of serial numbers associated with to-be-newly recorded banknotes are subjected to image...
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7409364 |
Financial advice strategy system
A system and method are disclosed for analyzing an individual's financial information and generating advice related to financial payment and negotiation strategies specifically tailored to the...
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7406445 |
Method and system for banking
Methods and systems are disclosed which relate to online banking via interface surfaces printed with information and coded data. The coded data, encoded visibly or invisibly, may be queried by an...
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7401051 |
Automated teller machine system and method relay center
Automated teller machine systems and methods for reducing system development efforts by financial institutions and for providing a financial transaction system that is adapted for using one or more...
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