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7624071 |
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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7620604 |
Systems and methods of check re-presentment deterrent
A user or a device may separate a check into two or more portions prior to generating a digital image of the check for remote deposit of the check. The user or a device may separate the check by...
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7620231 |
Document processing system using full image scanning
A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill...
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7613658 |
Methods and systems for redeeming a stored-value card
A reloadable debit card system includes an issuing institution whereat a main account is set up and multiple sub-accounts are established thereunder. Each sub-account corresponds to a respective...
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7611046 |
Point of sale devices for converting promissory transactions into debit transactions
Systems and methods are provided for using a point of sale device to obtain authorization from a customer to convert the customer's promissory transaction to a direct debit transaction. In an...
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7607574 |
Hybrid transaction card package assembly
A transaction card package assembly comprising a transaction card and a card holder, wherein the package assembly further comprises at least three unique identifiers thereon such that the...
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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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7602956 |
Document processing system using full image scanning
A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill...
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7599888 |
Electronic confirmation to debit or credit an account
A method for processing a check transaction includes receiving transaction information that is transmitted by a terminal; determining eligibility of the transaction for payment via a bank account;...
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7599868 |
System and method for displaying trading data
A system and method are provided for presenting trading information. One example method includes displaying a plurality of effective trade indicators corresponding to price levels at which...
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7599543 |
Document processing system using full image scanning
A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill...
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7594602 |
Anti-fraud check printing
A check is printed on a generic form that does not include a pre-printed account number (e.g., a blank sheet of paper). In response to detecting a request for check printing on the generic form,...
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7590275 |
Method and system for recognizing a candidate character in a captured image
A system and method of recognizing characters in a captured image, includes selecting a portion of the image encompassing a string of characters in the captured image to be recognized. The selected...
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7584148 |
Apparatus and method for processing a check, and a computer-readable recording medium storing a check processing control program
A check processing method involves capturing at a first compression rate certain portions of a received check, and evaluating, based on that captured image data, whether certain information of the...
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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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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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7555462 |
Method and apparatus for incorporating scanned checks into financial applications
An improved method, apparatus, and computer implemented instructions for processing a check in an automatic teller machine in a data processing system. A check is received from a user at the...
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7550736 |
Methods and apparatuses for checking the authenticity of sheet material
Ultraviolet light is used for checking the authenticity of sheet material, in particular bank notes, whereby the ultraviolet light transmitted, i.e., pervading the sheet material to be checked, is...
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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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7529709 |
Systems and methods to facilitate a transfer of a refund amount from an educational institution to a student
A system and method of facilitating a transfer of a refund amount from an educational institution to a student. A refund controller receives from an educational institution a request for...
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7526117 |
Method for remote check capture
A method of enabling remote deposit of checks includes receiving at a second site a plurality of check images and a plurality of entered dollar amounts, wherein the check images were generated at...
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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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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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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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7512564 |
System for effecting the payment of paper and electronic financial instruments received at a payment facility
A system for expediting the deposit, settlement and submission into the payment system for collection of funds represented of commingled paper and electronic financial instruments that are received...
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7503486 |
Systems and methods for processing check identifiers using replacement symbols
An original check identifier in MICR format includes separator symbols that do not appear on a typical computer keyboard. When a user is entering a check identifier from a computer or a telephone,...
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7496536 |
Systems and methods to facilitate a transfer of a refund amount from an educational institution to a student
According to some embodiments, systems and methods are provided to facilitate a transfer of a refund amount from an educational institution to a student. For example, a refund controller may...
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7494050 |
Automated banking machine audible user interface method
An automated banking machine is operative to output a visual and audible user interface which enables a consumer to operate the machine. The visual user interface includes a plurality of...
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7494046 |
Automated transaction machine system
An automated banking machine ( 10 ) identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers documents from storage and dispenses them to...
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7487909 |
System and method for processing value units
The invention relates to a system and method for processing value units, such as bank notes, coins or checks. A system and method for processing deposits of value units are provided by which bank...
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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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7472826 |
Bank deposit method
According to the present invention, a business is issued a deposit card readable on a debit card reader enabling the business to transmit deposit information to its bank or financial institution...
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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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7455220 |
Systems and methods for managing throughput of point of sale devices
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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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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7427016 |
System and method for screening for fraud in commercial transactions
A method for screening for potential fraud in commercial paper is provided. For example, a method of the invention comprises steps of presenting a check for cashing to a check cashing agent (e.g.,...
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7416112 |
Automated banking machine system and method
A card actuated automated banking machine ( 152, 198, 200 ) includes a plurality of transaction function devices. The transaction function devices include a card reader ( 170 ), a printer ( 174 ),...
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7401730 |
Self-service deposit method and apparatus
A self-service deposit terminal for bank notes, in the deposited notes are subjected to an acceptance procedure in which the deposited notes are passed through a note validator and a decision is...
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7389914 |
Method of capturing and communicating correlated data of check transaction at card reading automated banking machine
A system and method is carried out in connection with a card actuated automated banking machine. The automated banking machine is operative to receive checks and dispense cash to users. The...
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7389913 |
Method and apparatus for online check processing
Methods and apparatus for processing an online payment for an item. In one implementation, the method includes receiving information from a user corresponding to online payment for an item. The...
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7386511 |
Methods and systems for processing financial instrument deposits
The present invention comprises a program product, system and method for deposit processing using check images. In one embodiment of the present invention, the program product comprises...
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7383227 |
Database for check risk decisions populated with check activity data from banks of first deposit
A plurality of banks of first deposit provide checking account activity data for both transit items (checks received for deposit that need to be cleared) and incoming returns (bounced checks) to a...
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7379978 |
Electronic item management and archival system and method of operating the same
An electronic item management and archival system for managing and archiving items. Each item includes at least one of image data, audio data, and video data. The system includes a server...
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7377425 |
Method and system of evaluating checks deposited into a cash dispensing automated banking machine
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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7377423 |
Apparatus and method for processing bank notes
The present invention relates to an apparatus and method for processing bank notes present as separate deposits. To improve the processing reliability of the individual deposits, it is provided...
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7376258 |
Image quality assurance system and methodologies in a post-image capture document processing environment
An image quality assurance method for identifying image defects in a plurality of previously-imaged documents, where each previously-imaged document includes at least one image rendition stored in...
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7366750 |
Deposit accepting method and apparatus for automated banking machine
An automated banking machine ( 10 ) includes a deposit accepting apparatus ( 44 ) which is capable of accepting and authenticating instruments, as well as accepting envelopes deposited into the...
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7363274 |
Automatic teller machine
Includes the same-financial-institution account register control section ( 101 A) and the other-financial-institution account register control section ( 101 B) that make the display section ( 103 )...
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7360686 |
Method and system for discovering significant subsets in collection of documents
A method (and system) of discovering a significant subset in a collection of documents, includes identifying a set of documents from a plurality of documents based on a likelihood that documents in...
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7344064 |
System and method for processing electronically deposited checks
A method of processing a check prior to electronically depositing the check includes receiving the check, determining a number of existing check submission indicating marks, if any, that are...
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