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Banking systems

Subclass of:

235 - Registers

235375000 - SYSTEMS CONTROLLED BY DATA BEARING RECORDS

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DocumentTitleDate
20100059586Bulk Check Acceptor - A bulk check acceptor includes: a bundle receiving module for drawing a bundle of checks into an interior of the acceptor when an insertion hole shutter is open, and for transferring the checks on a leaf-by-leaf basis; an automatic alignment module for aligning and transferring the checks transferred on a leaf-by-leaf basis by the bundle receiving module; a recognition module for recognizing information on the checks automatically aligned and transferred by the automatic alignment module; an escrow module for escrowing the checks whose information has been recognized; a print module for endorsing a check which is permitted to be accepted; a rejecting module for discharging a rejected check through the bundle receiving module; and a storage box module for receiving the endorsed check.03-11-2010
20090194585Banking system controlled responsive to data bearing records - An automated banking machine operates responsive to data bearing records to carry out financial transactions. The automated banking machine includes a card reader that operates to read data from user cards that corresponds to financial accounts. The automated banking machine includes a display, at least one manual input device and a cash dispenser. The machine further includes at least one computer processor that operates to cause financial transactions to be carried out on accounts corresponding to the data read from cards. The automated banking machine computer processor is operative to also cause digital information to be delivered from the machine or sent to remote system addresses.08-06-2009
20090194584ELECTRONIC HANDHELD BANK TRANSACTION REGISTER AND ASSOCIATED METHODOLOGY - An electronic, handheld transaction register device for indicating an account balance of a bank, or other, account that permits two or more parties to make transactions in the account independent of one another. When a transaction is made, a synchronization signal is generated and sent to the electronic, handheld transaction register device. Responsive to detection of the synchronization signal, a local transaction register is adjusted to reconcile the account. A display is generated, providing a user of the device with an up-to-date and accurate indication of the account balance.08-06-2009
20100019027Methods of processing a last check of a bunch of checks deposited at a self-service terminal during a bunch-check deposit transaction - A method is provided of processing a last check of a bunch of checks deposited at the self-service terminal during a bunch-check deposit transaction. The method comprises receiving the last check along a check transport path, processing the last check as the last check is being transported along the check transport path, transporting the processed check to a virtual escrow which is along a portion of the check transport path and which is other than a physical escrow, approving the bunch-check deposit transaction as the last check is being held in the virtual escrow, after the bunch-check deposit transaction is approved, transporting the last check from the virtual escrow to an endorser to allow the endorser to endorse the last check, endorsing the last check, and after the last check is endorsed, transporting the endorsed check to a storage bin.01-28-2010
20130075468SYSTEM AND METHOD FOR RECYCLING OF ARTICLES - The invention relates to a system for receiving recyclable items having a deposit value from a customer, comprising a user station comprising means to generate tags bearing a unique tag identifier, an sorting station comprising an sorting interface for entering the tag identifier and the numbers and types of recyclable items, and a computer in communication with the customer and sorting interfaces, to calculate the total deposit value for recyclable items and ascribe a deposit value to said customer account, and to update the customer account with a monetary amount correlating to said deposit value.03-28-2013
20130075466METHOD AND SYSTEM OF RAPIDLY CASHING A CHECK AND LOADING THE PROCEEDS ONTO A CONSUMER ELECTRONIC ACCESS DEVICE VIA A MOBILE SMART DEVICE - A system and method of enabling mobile image capture of a check to be presented for cashing by a consumer to a check casher via a mobile smart device, net of fees, onto the consumer's access device such as a prepaid or stored value card. The consumer enters its credential information and transmits the information to a check casher through the computer network. Once verified, the consumer enters the check amount to be cashed, agrees to the check casher's fees, endorses the check, and captures a high resolution image of the front and back of the check. A high resolution image of the front and back sides of the check is transmitted to the check casher. If approved, the full check proceeds, less the agreed to check casher's fees, are loaded onto the consumer access device for immediate use.03-28-2013
20130075467Automated Banking Machine Operated Responsive To Data Bearing Records With Improved Security - An automated banking machine is operative to cause financial transfers responsive to data read from data bearing records, such as user cards. The machine includes a reader device operative to read data usable to identify a financial account authorized for use in conducting a transaction through the machine. An authorized machine user is able to use the machine to perform transactions, including financial transfers, cash dispensing, and other actions associated with financial accounts. The machine includes a safe having two sections separated by a shared wall structure. A cash handling arrangement is operative to transport cash between the two sections through a slot in the wall structure.03-28-2013
20080257954PAYMENT TERMINAL, AND ASSOCIATED METHOD AND PROGRAM - An electronic payment terminal includes a data entry device, a processor and a memory. The memory contains a structure arranged to list at least one customer identifier, a personal identification number and an amount, all associated. The memory also contains a program having comprising instructions for storing, in an example of the structure after entry, the customer identifier and the personal identification number. The same example of the structure is then updated locally by payments out and in made on the terminal on behalf of the customer identified.10-23-2008
20080257953SYSTEM AND METHOD FOR THE TRANSFERRING AN ELECTRONIC SUM OF MONEY FROM A CREDIT MEMORY - The invention relates to a method for the transmission of an electronic sum of money from a credit reserve of a money transmitter to an account or a credit reserve of a money receiver, by means of a telecommunication and data network in real time.10-23-2008
20080257952System and Method for Conducting Commercial Transactions - A system and method are disclosed which may include providing a processing center, at least one mobile device, and a third party device, wherein quantities of financial value are stored in accounts associated, respectively, with the at least one mobile device and the third party device; enabling communication between the at least one mobile device and the processing center; enabling communication between the third party device and the processing center; conducting at least one commercial transaction between the mobile device and the third party device; and employing the processing center as an intermediary for the commercial transaction.10-23-2008
20100140346METHODS AND SYSTEMS FOR CAPTURING VALUE FROM A PAYMENT DECLINE OR ERROR - Methods and systems for capturing value from a payment decline or error include receiving a token over a computer network identifying a merchant and a declined or failed transaction initiated by a consumer, receiving confirmation over the computer network that the consumer has accepted an offer for information about why the transaction failed or was declined, requesting transaction data from a payment gateway utilizing the token identifying the merchant and the transaction, receiving transaction data from the payment gateway for the declined or failed transaction, selecting a response to be delivered to the consumer based on the transaction data, and providing the response to the consumer.06-10-2010
20100140347COMPUTER READABLE UNIVERSAL AUTHORIZATION CARD SYSTEM AND METHOD FOR USING SAME - A computer readable universal authorization card system including a card having a computer readable non-volatile memory portion for conducting communications over a global network and a magnetic stripe for interfacing with card readers is disclosed. Here, the magnetic stripe has a stripe length and a stripe width, the card has a card length and a card width, and, in one embodiment, the stripe length is shorter than the card length.06-10-2010
20090032579Multiple Financial Institution Automated Teller Machine Apparatus, System And Method For Using Same - An apparatus, system and method for providing to a network of ATMs (02-05-2009
20100044430Automated Remittance Network - A computerized network empowers senders (or payers) to send funds and recipients (or payees) to receive funds at any time anywhere over the world through user-accessible terminals such as ATM terminals, check-cashing kiosks, money services kiosks, cash registers, checkout stands, computer, contactless device, wire line phone, mobile phone, smartphone, personal digital assistant, etc. Furthermore, the disclosed network collects and verifies senders' and recipients' identification information in accordance with the anti-money laundering, anti-terrorist financing, and anti-financial crimes regulatory requirements, such as the Bank Secrecy Act and the USA PATRIOT Act in the United States and any equivalent laws in other countries.02-25-2010
20090173781Banking system controlled responsive to data bearing records - A banking system operates to allocate funds in accounts in response to data bearing records in the form of paper financial checks. A mobile phone has a camera and a programmable memory. The memory stores phone user data, including a bank account number and an electronic signature. The camera can be used to capture an image of a paper check which has the phone user as the payee. The phone can wirelessly transmit the account number, the electronic signature, and the check image to a bank deposit system. The system can store the check image and the electronic signature in correlated relation in a deposit transaction record. The system can cause the phone user's bank account to be credited a cash value corresponding to the check value. Confirmation of the check deposit can be transmitted to the user's phone.07-09-2009
20100102120ELECTRONIC FUND TRANSFER OR TRANSACTION SYSTEM - A fuel dispenser control system is provided which includes a biometric device. The biometric device is configured to acquire instances of biometric information in connection with respective fueling transactions. The fuel dispenser control system further includes a control subsystem. The control subsystem is configured to receive at least first biometric information in connection with at least a first fueling transaction, request comparison of the first biometric information with second biometric information associated with corresponding financial information, and determine whether to effect payment of the fueling transaction on the account, based on the comparison.04-29-2010
20100102119AUTOMATED DOCUMENT CASHING SYSTEM - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money.04-29-2010
20090159664Check Receiving Device and Method of Automatic Teller Machine - A check receiving device of an automatic teller machine having a receiving unit and a storage unit to accumulate the check unit includes a first transfer unit having inspection devices installed along a transferring; a second transfer unit communicated with an end of the first transfer unit along the transferring path such that the check transferred from the first transfer unit stands by; a third transfer unit communicated with an end of the second transfer unit along the transferring path and receiving the check; a fourth transfer unit communicated with a communicating position between the second transfer unit and the third transfer unit; and a gate installed at a communicating position of the second transfer unit, the third transfer unit, and the fourth transfer unit. The gate changes a transferring direction of the check positioned in the third transfer unit to the fourth transfer unit.06-25-2009
20090159663PAYMENT CARDS AND DEVICES OPERABLE TO RECEIVE POINT-OF-SALE ACTIONS BEFORE POINT-OF-SALE AND FORWARD ACTIONS AT POINT-OF-SALE - A payment card or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. A user can utilize buttons located on the card to perform activities that would otherwise be performed at an ATM, payment card reader, or by a waitress. A user can provide instructions on a card to accelerate a transaction. The information a user enters can be communicated to a point-of-sale device. For example, a user can enter into his/her card that the user desires $100 withdrawal from a checking account. The user can also enter his/her PIN into the card. The user can swipe his/her card into an ATM and instantly be provided with the desired $100.06-25-2009
20090159662Device of Supplying Paper Medium - Disclosed are an automatic transaction machine and method of rejecting a paper medium in the automatic transaction machine. The automatic transaction machine includes a medium storage portion; a first medium transfer module transferring a paper medium in a sheet unit from the medium storage portion; a temporary stack portion provided adjacent to an outlet of the first medium transfer module, stacking the paper medium, and having a vertically movable supporter; a second medium transfer module for transferring, to a medium outlet, the paper medium transmitted from the supporter having been upwardly moved; and a rejection portion positioned below the supporter, and including a rejection inlet vertically movable together with the supporter.06-25-2009
20090159661Self-service terminal - A self-service terminal comprises a Web client for connecting to a Web server remote from the terminal, and an error recovery agent. The terminal also includes a display for presenting the rendered information to the customer, and at least one customer interface device for receiving media from the customer under control of the Web client. The error recovery agent executes on the terminal and is operable to monitor the Web client to detect any failure. In the event of a failure, the error recovery agent (i) takes control of the display and the at least one customer interface device from the Web client, (ii) returns inserted media to the customer (iii) informs the customer about a resolution of any pending transaction when the failure occurred, and (iv) informs the Web server of actions taken regarding the pending transaction.06-25-2009
20090159660Document diverter apparatus for use in a check processing module of a self-service check depositing terminal - A document diverter apparatus is provided for use in a check processing module (CPM) of a self-service check depositing terminal. The apparatus comprises a first member which can be (i) moved between a first position and a second position when the CPM is configured to operate in a first mode of operation, (ii) moved between the second position and a third position when the CPM is configured to operate in a second mode of operation, and (iii) constrained to be in the second position when the CPM is configured to operate in a third mode of operation. The apparatus further comprises a second member which can be (i) disposed in a first position to configure the CPM to be operate in the first mode of operation, (ii) disposed in a second position to configure the CPM to be operate in the second mode of operation, and (iii) disposed in a third position to configure the CPM to be operate in the third mode of operation. The first member may comprise a diverter blade having a plurality of fingers. The second member may comprise a detent arm which can be disposed in any one of the first, second, and third positions of the detent arm to configure the CPM in the first, second, and third modes of operation, respectively. The apparatus may further comprise an actuatable solenoid for (i) moving the first member from the second position to the first position when the solenoid is actuated and the second member is disposed in the first position, and (ii) moving the first member from the second position to the third position when the solenoid is actuated and the second member is disposed in the second position.06-25-2009
20130043303ELECTRONIC TRANSACTION SYSTEM - The present invention is related to an electronic transaction system, particularly to an electronic transaction system which is able to use a variety of cards or tags, and is free from being misappropriated and skimmed. The system comprises a server, a plurality of terminals and a plurality of characteristic code carriers. The server is provided with a member database for storing account information, amount of electronic cash and a characteristic code of each member. Each terminal is connected to the server via a network, and is used for payment, top up value, consumption inquiry, account creation, changing or stopping the characteristic code carrier and etc.02-21-2013
20130026227Automated Banking Machine Controlled Responsive to Data Bearing Records with Currency Tracking - An automated banking machine operates responsive to data bearing records. Users of the machine may deliver and receive records including individual sheets and stacks of sheets to and from the machine, such as notes, checks, or other documents. Notes assessed by the machine as being of questionable validity can be marked with a removable mark or otherwise identified.01-31-2013
20130026228METHOD FOR PAYING OUT BANKNOTES BY CASH MACHINES AND CASH MACHINE FOR CARRYING OUT THE METHOD - A method for paying out banknotes by cash machines and a cash machine for carrying out the method are proposed. In this case, for each banknote paid out to a customer, an individual characteristic feature of the banknote that distinguishes it from other banknotes is recorded. In addition, the data of the customer and/or the data for the paying-out transaction are stored for each banknote dispensed to a customer. The cash machine is equipped with at least one sensor for recording an individual feature on each banknote to be dispensed.01-31-2013
20090145959Check accepting and cash dispensing automated banking machine that operates responsive to data bearing records - 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 determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited check. The ATMs are also operated to read particular data from deposited currency bills in order to determine counterfeit bills. The ATMs dispense cash responsive to communications with a transaction host.06-11-2009
20130048712NAGRAID INFORMATION CARD - An electronic information card for retrieving information pertaining to a banking account of a user is disclosed. The electronic information card comprises a casing having a front surface and a rear surface, a payment chip and a memory chip located inside the casing, a touch keypad located on the front surface, a display screen located on the front surface and an activate button located on the front surface. The payment chip initiates transaction between the user and the transaction terminal. The memory chip allows the user to access financial services such as checking account balance, checking monthly expenses, checking transaction information in an offline mode by navigating through the touch keypad. The display screen displays information pertaining to the banking account when a user navigates through the touch keypad. The electronic information card provides an enhanced security to the user while making online transactions.02-28-2013
20090045251RESTRICTING BANK CARD ACCESS BASED UPON USE AUTHORIZATION DATA - The present invention provides a system and method to detect credit card fraud. It allows the user, or the credit card company, to limit the use of a particular credit card according to authorized use data which is prespecified by the card holder, such as allowing authorized use within a geographical area or a set of ZIP codes. This way, the credit card owner, can limit the credit card's use according to the card holder, such as within a specified geographical area, a date frame, a time frame or even to within particular stores or with particular vendors. In addition, data from the credit card's magnetic stripe is conveyed and compared against the authorized use data. With respect to geographical information, the present use geographical data is provided either by the particular point-of-sale terminal or from a GPS system.02-19-2009
20100006645Method of authorizing automated banking machine use responsive to user data read from data bearing records - An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. The read card data can also be associated with a server address, where a record is located. The machine operates prior to a transaction to determine whether the record can be fully downloaded from the server address. Based on a successful determination, the machine can then fully download the record from the address during a transaction that needs the record. The pre-check arrangement reduces transaction time outs that may occur as a result of futile attempts by the machine to access an unavailable record during a transaction.01-14-2010
20100006644Automated banking machine that operates responsive to data read from data bearing records and diagnostic method - An automated banking machine (01-14-2010
20100006643CASHIERS CHECK VERIFICATION SYSTEM - The present invention discloses a method and system for the verification of a cashier's check. The method and system involves a verification machine-readable code that can be verified online for authenticity and status. It can further be used to authorize payment.01-14-2010
20090302103Automated banking system controlled responsive to data bearing records - A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including financial account data, and causes operation of an automated banking machine to carry out financial transactions responsive to the account data. The automated banking machine is operative to access at least one network. The automated banking machine is operative to enable a user thereof to make payments for purchases of goods or services to be delivered remote from the machine and to receive from the user a cash payment for the purchases through a cash acceptor. The automated banking machine includes a printer that provides receipts for transactions conducted through the machine.12-10-2009
20120217295ELECTRONIC SETTLEMENT SYSTEM, ELECTRONIC SETTLEMENT METHOD AND CASH PAYING METHOD USING LCD BARCODE DISPLAYED ON MOBILE TERMINAL - Disclosed are an electronic settlement system, an electronic settlement method, and a cash payment method using a barcode displayed on a mobile terminal, thereby simply performing member identification using the barcode including member information, electronic settlement services (such as credit card settlement, direct payment card settlement, advance payment card settlement, small amount settlement, and Giro system settlement) at various shops via a procedure verifying whether a user is an actual owner of the barcode, cash payment services via member information barcode and member identification procedures, advance payment card services by depositing a designated amount of money at a database of the bank and allowing the user to systematically use the advance card within the deposited money, and wireless banking services for transmitting and receiving various banking related data via wireless network between the bank and the members.08-30-2012
20130056534AUTOMATED 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 sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed.03-07-2013
20090266880AUTOMATED BANKING SYSTEM FOR DISPENSING MONEY ORDERS, WIRE TRANSFER AND BILL PAYMENT - A method and apparatus are provided for conducting transactions through a financial network using a document such as a check or money order at an unattended automated machine. For security purposes a signature detector detects the signature and the user uses a card to operate the machine. A reader reads the amount on the document; and, for a check, the LAR and CAR amounts are compared. If the document is a money order, the user may be prompted to endorse the money order if the signature detector fails to detect a signature. A card writer writes an amount on the card related to the amount of the transaction being done and a calculator calculates the amount to be written on the card and subtracts a user's service charge. A bill may be paid and a receipt generator will provide a receipt preferably showing payment of the bill and the service charge. If the check or money order is for an amount greater than the bill and service charge amounts, the card writer may write the difference on the card. A portion of the check or money order may also be deposited in the user's account. A cash acceptor in the machine accepts cash and a cash dispenser may dispense cash.10-29-2009
20130062407Banking 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 data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is operative to output a visual and audible user interface which enables a consumer to operate the machine. The exemplary machine may output secure verbal instructions through a wireless headphone placed in operative connection with the machine.03-14-2013
20130062406AUTOMATED DOCUMENT CASHING SYSTEM - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money.03-14-2013
20130062405BANKING 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 data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine may also include a check acceptor that is usable to determine a probability associated with the check being fraudulent03-14-2013
20120223136Automated Banking Machine that Operates Responsive to Data Bearing Records - A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The system can provide an electronic transaction receipt to the machine user. A bank computer is operable to submit the receipt to a system address of record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system can also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse.09-06-2012
20120223134Banking Machine Controlled Responsive to Data Read from Data Bearing Records - A banking system comprises automated banking machines which include a card reader, check imaging device, and cash dispenser. Each system machine can cash a code-correlated check in exchange for receiving both the check and the code assigned to the check, without requiring any user identifying input through the machine's user input devices as a condition for cashing the check. The system allows a potential recipient of a personal check to call in a given code to a system computer, which can verify whether the check is backed by funds reserved for the check amount and whether the check can be anonymously cashed. From the call the system computer can obtain the mobile phone's GPS location to determine the system machine nearest to the phone. When informing the phone user that a check is as good as cash, the system computer can also provide directions to that nearest system machine.09-06-2012
20120223133Banking System Controlled Responsive to Data Bearing Records and User Input of a Phone Received Security Code - A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code within a predetermined amount of time.09-06-2012
20110011927METHODS AND APPARAUTS FOR AN ELECTRONIC DROP SAFE - Systems and techniques for providing an improved electronic safe are described. In one aspect, an electronic safe is provided with enhanced security, increased functionality and ease of use. The electronic safe may accept both cash and non-cash deposits, identifying tags and envelopes or folders. A wireless tag may be used to identify the person making deposits. A plurality of electronic safes may be networked together in a wireless local area network. The wireless local area network of electronic safes may be wirelessly networked with an off site host system. In another aspect, an electronic safe is provided with a wireless communications link for communicating with a handheld terminal which may be used to update the electronic safe and initiate the generation of automatic reports. In another aspect, an electronic safe automatically generates reports detailing the operation of the safe. The electronic safe may predict the time when a cassette for storing deposits will be full.01-20-2011
20090236413Expanded Mass Data Sets For Electronic Check Processing - Accommodating the data needed to process checks for payment under the Check Clearing for the 2109-24-2009
20130068834AUTOMATIC TRANSACTION APPARATUS - An automatic transaction apparatus includes a card insert port into which a card medium is inserted; a paper medium discharge section that has a discharge port from which a paper medium is discharged; and a conveying path that has a lower guide surface and an upper guide surface that guide conveyance of the paper medium and discharge of the paper medium from the discharge port, a dimension of the conveying path in a thickness direction of the paper medium being smaller than a thickness of the card medium at least at one position of the conveying path along a conveying direction.03-21-2013
20090008441TRACKING RF TRANSACTION ACTIVITY USING A TRANSACTION DEVICE IDENTIFIER - In accordance with one exemplary embodiment of the invention, a radio frequency identification (RFID) transaction device is used to complete a transaction. The RFID transaction device may communicate a tertiary number and/or a URL instead of sensitive transaction device information. The tertiary number and/or URL may point the RFID transaction device to a third-party authorizing agent. The third party may verify that the URL and/or a tertiary number corresponds to a valid transaction account on the account provider system. The third party may use the URL and/or the tertiary number to locate the appropriate verifying (e.g., “validating”) information for confirming the transaction account validity. Once the third party verifies the validity of the transaction account using the URL and/or the tertiary number, the third party (e.g., account issuer or acquirer) may provide authorization to the merchant that a transaction may be completed.01-08-2009
20120267432SECURE PAYMENTS WITH GLOBAL MOBILE VIRTUAL WALLET - A mobile payment system for facilitating secure financial transactions in person-to-person, person-to-business, business-to-business, person-to-a-group-of-people, group-of-people-to-a-person, etc. using mobile and non-mobile user interfaces for online and physical points of transaction using a standard procedure for various circumstances locally and internationally. The system involves use of a specially-configured QR code which is displayed by a payee, and scanned by a payor using a specially-configured software application running on a smartphone or other computing devices. The QR code communicates a payee-identification code and instructions for initiating a payment transaction. The application interprets the QR code and processes the data contained therein to complete a payment transaction in accordance with the instructions.10-25-2012
20130214042EXCEEDED ACCOUNT THRESHOLD SERVICE INVOLVING EXCEEDED ACCOUNT THRESHOLD MAGNETIC STRIPE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an account exceeding available funds or credit as a result of the transaction; (c) receiving account exceeding available funds or credit swipe information indicating that an account exceeding available funds or credit magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the account exceeding available funds or credit swipe information.08-22-2013
20120234913Automated 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 sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed.09-20-2012
20120234912GIFT 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 in a digital payment account in a storage device. The digital payment account stores values of gift cards from issuers. A financial transaction corresponding to the issuer of the gift card is performed on the digital payment account. The value of a first gift card from a first issuer of a first digital payment account is exchanged with the value of a second gift card from a second issuer of a second digital payment account.09-20-2012
20120234911GIFT CARD CONVERSION AND DIGITAL WALLET - A method and a system convert the value of a gift card for use with a mobile device. A gift card converter module associates a value of the gift card with a digital wallet of the mobile device. A digital wallet module enables a financial transaction with the digital wallet of the mobile device. A storage device stores the value of the gift card associated with the digital wallet and the corresponding financial transaction.09-20-2012
20080296365Self Service Device with Manipulation Recognition - A self-service device, such as a cash machine, bank statement printer and/or information or transaction terminal, comprising an operator control panel which has a plurality of components is provided with an apparatus (12-04-2008
20110089230Banking system controlled by data bearing records - A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The machine includes a card reader that can read card data corresponding to financial accounts, and a biometric reader that can read user identification data. The machine also includes an RFID reader that can read signals from RFID tags to obtain deposit information therefrom. The deposit information can include deposit data such as an account number and the deposit amount. The machine also includes a computer that causes a financial account to be credited for the value of deposited items, responsive to data read by the various reader devices.04-21-2011
20110068168System and Method for Securely Authorizing and Distributing Stored-Value Card Data - A computerized system and method for securely authorizing and distributing stored-value card data over a communications network is provided. The method allows for storing in the database a plurality of records comprising stored-value card data for each stored-value card as well as information identifying a plurality of trusted sources of stored-value card activation requests and/or a plurality of trusted communications networks for transmitting stored-value card activation requests. A transmitting step allows for a requesting terminal to transmit over a communications network a request to change the status of a stored-value card. The central processor then determines whether the requesting terminal and/or the communications network is a trusted source. Based on whether the requesting terminal or communications network is a trusted source or trusted communications network, the request can be processed and the card can be activated. A method for establishing a list of trusted sources and trusted communications networks is also provided.03-24-2011
20080203150SYSTEM AND METHOD FOR CREATING DIGITAL CURRENCY - A method for creating digital currency has the steps of providing a server operably connected to the network; receiving into the server a transmission from one of the automated teller machines via the network that a sum of currency has been received into the currency scanner of the automated teller machine; creating an account automatically by the server in response to the receipt of the transmission; storing the sum of currency in digital form in the account; generating a unique alphanumeric code; associating the unique alphanumeric code with the account; and transmitting the unique alphanumeric code to a recipient.08-28-2008
20100038420MEDIA STORAGE DEVICE - A storage device (02-18-2010
20090078756Method and Apparatus for Identifying and Dispensing Currency and Non Cash Media from Automated Teller Machine or Cash Dispensing Device - Disclosed is a non-cash media card that is dispensable through automated teller machines (ATM's), with the card having information that identifies a particular customer and the particular transaction by which the card was purchased. Also disclosed is a process for dispensing the non-cash media card from an automated teller machine, by which a non-cash media card is dispensed through the same mechanism as cash is dispensed, and the ATM is configured to embed purchaser- and transaction-specific information on the card and to read the information to verify it.03-26-2009
20090108059Cash handling - Cash handling in a cash handling system is described in terms of methods and arrangements that interact by exchanging cash as well as information signals. A cash transport unit is configured to receive, store and provide cash, preferably in the form of notes. The transport units connect with ATM's, shops, vehicles as well as cash docking stations. Information flows among the entities of the system, between the transport units, the shops, the vehicles, the docking stations, a transport service control center, cash centers as well as banks.04-30-2009
20130161384INFORMATION MANAGEMENT SYSTEM AND METHOD FOR A PLURALITY OF INTERFACED CARD PROCESSORS - An information management system includes a computer server. The computer server includes an interface module. The information management system also includes a plurality of card processors in communication with the computer server via the interface module. The computer server is configured to interface with each of the plurality of card processors via the interface module. The computer server is configured to choose one of the plurality of card processors in accordance with a unique identifier associated with a card product to process information associated with the card product.06-27-2013
20130161385Banking Apparatus Controlled Responsive to Data Bearing Records - A banking system is controlled responsive to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction for a person responsive to a determination that the person is an authorized user of the machine based on correspondence between identifying data read by a reader of the machine and data store information. The machine includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.06-27-2013
20100170945CHECK CARRIER - The check carrier consists of an envelope of translucent material that is dimensioned to closely conform to the dimensions of a standard check. The back of the check carrier includes an endorsement window through which a bank or other financial institution can apply its endorsement stamp directly to the check. The bottom of the check carrier may be provided with an area for receiving the MICR printing such that the MICR can be read directly off of the carrier. The MICR area can be removed. The open end of the check carrier can be sealed closed using a repositionable adhesive. The adhesive can also be used interior of the check carrier such that the adhesive contacts the check to fix the check within the carrier.07-08-2010
20090206155Novel Coin Exchange system and method - A method and a system of exchanging coins, comprising determining an amount of coins to be dispensed in a sales transaction; transmitting the amount to a card reader terminal; retrieving account identification data from a card wherein the card stores account identification data; transmitting the amount and the account identification data to a central computer; redeeming, by an user at a later time, the amount less a fee in an user's preferred method.08-20-2009
20090090769Automated banking machine which dispenses, receives and stores notes and other financial instrument sheets - An automated banking machine that operates responsive to data bearing records includes a card reader (04-09-2009
20110284629PAYMENT 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 of test equipment in a controlled environment are used to measure the peak discharge current (Ip) when a payment device is inserted into a payment terminal during several simulated conditions. Energy levels of the discharge currents are calculated using an energy calculation program. One or more reference current and energy levels are determined.11-24-2011
20110284630Banking system controlled responsive to data bearing records - An automated banking machine controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. User operation of the automated banking machine is authorized responsive to the identifying data read by the card reader. The automated banking machine is allowed temporary usage of a machine application that enables the machine to perform an authorized banking transaction requiring operation of the card reader.11-24-2011
20120104091Method of Authorizing Automated Banking Machine Use Responsive to User Data Read from Data Bearing Records - An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.05-03-2012
20100006641REAL-TIME SECURITY VERIFICATION FOR BANKING CARDS - Embodiments of the invention provide a means for verifying that a person using a bank card at a point-of-sale merchant location is in fact a person authorized to use the bank card. In one embodiment of the invention, verification may involve communicating with the mobile device 103 associated with the person authorized to use the bank card. The person authorized to use the bank card may be required to send verification data to the bank card verification system via the mobile device to confirm a purchase. The bank card verification system may not authorize the purchase if the proper verification data is not received from the mobile device. In another embodiment, the bank card verification system may be configured to determine a proximity of the mobile device to the merchant point-of-sale location to verify the purchase.01-14-2010
20120012652Automated banking machine that operates responsive to data bearing records - An automated banking machine controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. User operation of the automated banking machine is authorized responsive to the identifying data read by the card reader. The automated banking machine is allowed temporary usage of a machine application that enables the machine to perform an authorized banking transaction requiring operation of the card reader.01-19-2012
20110290874APPARATUS AND METHOD FOR COMMERCIAL TRANSACTIONS USING A COMMUNICATION DEVICE - An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly is provided. The apparatus comprises an input device for capturing information from the transaction card, a controller for converting the captured card information into an audio signal. The controller is linked to the communication device. The apparatus may also be part of an assembly wherein this controller is part of the communication device. The remote processor assembly includes a transaction server linked to a remote processor/issuer for validating the transaction card data. A system including this apparatus, the communication device and the transaction server is also provided. Methods therefore are also disclosed. The input device captures the card information that is converted to an audio signal by the controller and transmitted to the transaction server via the communication device for being converted to an appropriate signal to be transmitted to the remote processor/issuer for validation thereof. The validation information is sent back to the apparatus providing feedback to the user. The transaction server translates the signal received by the remote processor/issuer into an audio signal and sends it to the controller via the communication device for conversion to an appropriate format.12-01-2011
20090283585MONEY 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 information comprises recipient identification information, at least one country where the money is to be received, and a payment amount in an originating currency. The money transfer information is transmitted to a host computer system. When ready to receive payment in the designated country, recipient identification information along with a request to withdraw a portion of a possible payment amount is entered into a payout computer. The recipient identification information and the request to withdraw is transmitted to a host computer system, and the requested withdrawal is provided to the recipient in the local currency.11-19-2009
20110006112PROTECTIVE DEVICE AND METHOD FOR PREVENTING SKIMMING ON A CARD READER - Skimming modules can be attached at self-service terminals, such as an automated teller machine or account statement printer, by manipulation with fraudulent intent by third parties who attempt to read the data from a magnetic stripe card introduced into the card reader (01-13-2011
20120097738Automated banking machine controlled responsive to data bearing records - A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including financial account data, and causes operation of an automated banking machine to carry out financial transactions responsive to the account data. The automated banking machine is operative to access at least one network. The automated banking machine is operative to enable a user thereof to make payments for purchases of goods or services to be delivered remote from the machine and to receive from the user a cash payment for the purchases through a cash acceptor. The automated banking machine includes a printer that provides receipts for transactions conducted through the machine.04-26-2012
20090188973Self-service terminal - A self-service terminal comprising a plurality of devices is described. The devices comprise: a racking handle for moving that device from an operational position to a maintenance position; a primary visual identifier (such as a bright color) associated with the racking handle, where the primary visual identifier is common for all of the racking handles and is not used for any part of the device except a racking handle; and a secondary visual identifier associated with any other parts of the device that may be safely touched, where the secondary visual identifier is visually distinct (for example, by using a different color) from the primary visual identifier.07-30-2009
20090152344ELECTRONIC VALUE SAVING APPARATUS, ELECTRONIC VALUE PROCESSING METHOD AND PROGRAM - An electronic value saving apparatus is provided that communicates with an information processing apparatus capable of storing electronic value and includes a storage section storing one or more electronic values relating to a predetermined service, a first communicating section communicating with the information processing apparatus and transmitting/receiving the electronic value to/from the information processing apparatus, a process type judging section judging a type of process defining the transmission/reception of the electronic value, a state judging section judging whether execution of process is possible for each type of the process based on the judgment result of the process type judging section, and a data processing section processing the electronic value received from the information processing apparatus or the electronic value to be transmitted to the information processing apparatus based on the judgment result of the process type judging section and the judgment result of the state judging section.06-18-2009
20090152343AUTHENTICATION METHODS FOR USE IN FINANCIAL TRANSACTIONS AND INFORMATION BANKING - A method for conducting a financial transaction can be used by a person using a mobile device to conduct the transaction. The mobile device receives information related to the person that can be used for authentication purposes, such as a PIN or biometric data. The mobile device then authenticates the person by verifying the information received. If the person is authenticated, the transaction is completed using the mobile device, and if the person is not authenticated, the transaction is prevented.06-18-2009
20090145961Banking apparatus operated responsive to data bearing records - An automated banking machine controlled responsive to data bearing records includes a card reader that is operative to read data from user cards including identifying data and to authorize operation of an automated banking machine responsive to the identifying data. The automated banking machine includes a deposit accepting device. The deposit accepting device is operative to receive a stack of sheets and to separate each sheet from the stack through operation of a picker. Each sheet is aligned with the sheet path and analyzed by analysis devices including at least one magnetic read head, an imager and/or a validation device. Sheets determined not to have at least one property of a genuine sheet are returned to a user of the machine. Sheets determined to have at least one property of genuine sheets are processed and stored in the machine.06-11-2009
20090145962Automated banking machine processing system and method - A system includes a plurality of automated banking machines that each include a card reader and operate to carry out financial transactions. A server computer in operative connection with the plurality of automated banking machines receives processing jobs. The server operates to distribute a plurality of tasks among a plurality of automated banking machines. Each automated banking machine is operative to perform transaction functions such as the dispensing of cash from a cash dispenser.06-11-2009
20090145960Banking apparatus operated responsive to data bearing records - An automated banking machine controlled responsive to data bearing records includes a card reader that is operative to read data from user cards including identifying data and to authorize operation of an automated banking machine responsive to the identifying data. The automated banking machine includes a deposit accepting device. The deposit accepting device is operative to receive a stack of sheets and to separate each sheet from the stack through operation of a picker. Each sheet is aligned with the sheet path and analyzed by analysis devices including at least one magnetic read head, an imager and/or a validation device. Sheets determined not to have at least one property of a genuine sheet are returned to a user of the machine. Sheets determined to have at least one property of genuine sheets are processed and stored in the machine.06-11-2009
20090039150Remote handheld payment device and method - Embodiments of the present invention provide a remote payment device that is simple, versatile, and easy to use, accepts payments by charge cards or cash, and handles a split-check scenario in a simple and flexible manner. In one embodiment, a remote payment device for processing payment of a bill to allow payment to be shared by a plurality of customers comprises a charge card reading unit configured to read account information from a charge card; a data input unit for a user to enter data; a display unit; and a processor configured to process account information read from the charge card reading unit and data received from the data input unit and to display information on the display unit. The processor is configured to prompt entry of data by the data input unit to specify a number of one or more customers to make payment of a bill, and to allow each customer to specify any amount of the bill to pay and any amount of a tip to be added and a method of payment.02-12-2009
20080265019Banking system controlled by data bearing records - A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine is in connection with a card reader operative to read data corresponding to financial accounts from user cards. The apparatus further includes an RFID reading device that is operative to read signals from RFID tags to obtain deposit information therefrom. The information can include data associated with of the deposit, such as an account number and the deposit amount. The information can include cash value. A computer is operative to credit a financial account for value associated with deposit items responsive to data read by the card reader and/or RFID reading device.10-30-2008
20080265018SYSTEM FOR PERSONAL AUTHORIZATION CONTROL FOR CARD TRANSACTIONS - An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.10-30-2008
20080272187Electronic Money System, Information Storage Medium, and Mobile Terminal Device - In a mobile terminal device to be attached detachably with an information storage medium having an electronic money function, authentication is executed between the information storage medium and the mobile terminal device and, when the authentication is successfully completed, the electronic money function of the information storage medium is made executable.11-06-2008
20090121013NEGOTIABLE 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 transactions with merchants for the payment of goods and services. The additional data capture capability enabling generation of a card statement with detailed information regarding purchases and expenditures of both check transactions and card transactions to thereby permit a card holder to accurately track, monitor, describe, and reconcile all transactions in a statement period. The check comprises first and second data entry location for identification and descriptive information about a financial transaction, account holder name adjacent to a drawer signature field and check limit adjacent to a written check amount field, as well as other check information and entry fields, including routing, account and check reference number, date, payee designation, numeric check amount and account holder and financial institution information.05-14-2009
20090121012ACCESSING FINANCIAL ACCOUNTS WITH 3D BAR CODE - A three dimensional (3d) bar code can be affixed to a financial instrument (e.g., the credit card) sent to a consumer. Upon receiving the financial instrument, the consumer can acquire an image of the 3D bar code with an image capture device (e.g., a camera) of a mobile device. The mobile device can interpret or decode the 3D bar code to extract a web address. The mobile device may then send a request for a web page associated with the web address, which could be returned by the web server at the financial institution. The web page may allow the consumer to enter personal information. Upon receiving the personal information, the financial institution can verify the information, authenticate the consumer, and activate the financial account.05-14-2009
20090121011CASH TRANSACTION MACHINE - A side open-and-close type cash transaction machine is provided. A cash transaction machine includes: a body including an opening on a side of the body; a door being mounted on the body to open and close the opening; a first financial module being integrally formed with the door in the door to be externally exposed when the door is opened; and a second financial module being provided in the body, separate from the door to move toward the opening when the door is opened. Since the second financial module may be provided and be exposed separate from the first financial module, it is possible to easily manage the financial modules and also reduce the size of the side open-and-close type cash transaction machine.05-14-2009
20090121010Depositing items of value - A method of depositing items of value, the method comprising 05-14-2009
20100084461Automated banking machine controlled responsive to data bearing records with currency tracking - An automated banking machine (04-08-2010
20120286034Automated Banking Machine that Operates Responsive to Data Bearing Records - A banking system is controlled responsive to data read from data bearing records. The system includes a card reader that operates to read identifying data from user cards, and can authorize operation of an automated banking machine responsive to the identifying data. The machine can generate and present a check to the machine user in response to user inputs. The machine presents an interface for the user to sign the check. The user's banking account is charged an amount corresponding to the check value. In exchange for the same machine receiving the generated check, the user is provided with cash dispensed from the machine. The machine also allows the user to select having a canceled check image displayed at the machine and/or sent to the user's network address.11-15-2012
20110186627Combination ATM/Vending Machine Kiosk - An all-purpose ATM kiosk/vending machine network that services the unbanked and underbanked markets, that will enables wireless transactions and processing of currency, pre-paid cash debit cards, and online banking. The concept can be applied to any vending machine product such as sodas, beverages, gasoline, candy, postage stamps, and more with the following features and benefits: Full service ATM/Vending, Issue cash debit cards, Transfer funds from one machine to another Issues and prints money orders, Bill paying GPS travel directions, Advertising on LCD screen, Purchase sporting/event tickets Reload cell phone pre-paid cards, Purchase beverage or gas, Wireless Internet access, and Bank-to-bank wire transfers. The present invention will provide financial services solutions to sub-prime prospects and the unbanked. The present invention will also provide online/wireless banking, prepaid cards, and secured lending products to customers who may not qualify for conventional bank unsecured lending products, or whose needs cannot be met by traditional lenders.08-04-2011
20120292388AUTHENTICATION STRATEGIES FOR REMOTE FINANCIAL INSTITUTION SERVICES - Embodiments of the invention are directed to systems, methods and computer program products for authenticating access to a financial institution service. In some embodiments, a method includes: (a) receiving a user input configured to request access to a financial institution service, and (b) initiating presentation of, using a processor, a first authentication request in an electronic banking environment, wherein the first authentication request prompts a user to initiate capture of an image of a capturable authentication card associated with the account holder. In some embodiments, the method further includes receiving the image of the capturable authentication card, and determining the capturable authentication card is a valid capturable authentication card based at least partially on information extracted from the image of the capturable authentication card. The invention allows a user to enjoy a similar authentication experience prior to accessing a financial institution service at a physical ATM when compared to accessing an electronic financial institution service via an image capture device such as a mobile computing device.11-22-2012
20100078472Group peer-to-peer financial transactions - Various techniques are provided for carrying out peer-to-peer financial transactions using one or more electronic devices. In one embodiment, a request for payment is transmitted from a first device to a second device using a near field communication (NFC) interface. In response to the request, the second device may transmit payment information to the first device. The first device may select a crediting account and, using a suitable communication protocol, may communicate the received payment information and selected crediting account to one or more external financial servers configured to process and determine whether the payment may be authorized. If the payment is authorized, a payment may be credited to the selected crediting account. In a further embodiment, a device may include a camera configured to obtain an image of a payment instrument. The device may further include an application to extract payment information from the acquired image.04-01-2010
20100078471System and method for processing peer-to-peer financial transactions - Various techniques are provided for carrying out peer-to-peer financial transactions using one or more electronic devices. In one embodiment, a request for payment is transmitted from a first device to a second device using a near field communication (NFC) interface. In response to the request, the second device may transmit payment information to the first device. The first device may select a crediting account and, using a suitable communication protocol, may communicate the received payment information and selected crediting account to one or more external financial servers configured to process and determine whether the payment may be authorized. If the payment is authorized, a payment may be credited to the selected crediting account. In a further embodiment, a device may include a camera configured to obtain an image of a payment instrument. The device may further include an application to extract payment information from the acquired image.04-01-2010
20090283584Scaleable check processing module for a self-service check depositing terminal - A scaleable check processing module (SCPM) is provided for a self-service check depositing terminal. The SCPM comprises a supporting structure. The SCPM further comprises a first configurable mechanism located in the supporting structure and for (i) enabling a pocket module to be disposed at a first location of the supporting structure when the SCPM is to be installed into a first type of self-service check depositing terminal, (ii) enabling a pocket module to be disposed at a second location which is different from the first location of the supporting structure when the SCPM is to be installed into a second type of self-service check depositing terminal which is different from the first type of self-service depositing terminal, and (iii) enabling a pocket module to be disposed at a third location which is different from the first and second locations of the supporting structure when the SCPM is to be installed into a third type of self-service check depositing terminal which is different from the first and second types of self-service depositing terminals. The first configurable mechanism may comprise a three-way diverter which (i) diverts checks from an inlet path to a first outlet path when the SCPM is installed into the first type of self-service check depositing terminal, (ii) diverts checks from the inlet path to a second outlet path which is different from the first outlet path when the SCPM is installed into the second type of self-service check depositing terminal, and (iii) diverts checks from the inlet path to a third outlet path which is different from the first and second outlet paths when the SCPM is installed into the third type of self-service check depositing terminal. The SCPM may further comprise a second configurable mechanism located in the supporting structure and for enabling an escrow re-bunch module (ERBM) to be installed. The second configurable mechanism may comprise a two-way diverter which (i) diverts checks from an input path to a first output path when an ERBM, is not installed, and (ii) diverts checks from the input path to a second output path which is different from the first output path when an ERBM is installed.11-19-2009
20080210752SYSTEM AND METHOD FOR TRANSFERRING FUNDS - A system and method for electronic transfer of cash or cash equivalent between a sender and a recipient includes an initiating regional office for initiating the transfer and which receives an amount of money to be electronically transferred from the sender and a verification ID protocol from the sender, an initiating authorization center for storing the amount and the verification ID protocol in an account database, a dispensing authorization center for communicating with initiating authorization center and a dispensing regional office. When the recipient provides the verification ID protocol to the dispensing regional office, a financial card is issued to the recipient containing funds equivalent to the amount initially prescribed by the sender. The system provides the sender with the ability to provide the receiver (at a remote geographical location) with a secure, anonymous, ATM compatible financial card having a particular preset monetary value even in the case where the recipient does not possess proper identification documents.09-04-2008
20080210751System And Method For Transferring Money Based On Approval Of Transfer Request Transmitted From Receiver To Sender - A money transfer system transfers money based on approval of a sender for a transfer request transmitted from a receiver. This system includes a receiver terminal for transferring transfer request information including receiving information and sending information; a bank server for extracting the sending information from the transfer request information to guide the transfer request information to a sender, and transferring an amount of money from a payment account of the sender to a deposit account when the sender checks the transfer request information and approves the money transfer; and a sender terminal for accessing the bank server to receive and display the transfer request information, and transmitting an approval for the money transfer to the deposit account. The sender determines whether or not to transfer money by checking the transfer request of the receiver, thereby reducing time taken for the money transfer process and enhancing accuracy and safety.09-04-2008
20100006642REAL-TIME SECURITY VERIFICATION FOR BANKING CARDS - Embodiments of the invention provide a means for verifying that a person using a bank card at a point-of-sale merchant location is in fact a person authorized to use the bank card. In one embodiment of the invention, verification may involve communicating with the mobile device 01-14-2010
20090272795PROCESSING DEVICE FOR VALUE DOCUMENTS - An apparatus for processing documents of value (11-05-2009
20090266878Method of authorizing automated banking machine use responsive to user data read from data bearing records - An automated banking machine operates responsive to data read from data bearing records such as user cards to cause financial transfers. A transaction data object software component operating in a computer of the machine accumulates data as the transaction proceeds. Customer identifying data read by the machine and data corresponding to user inputs can be included in the transaction data object software component. The component can be passed form the machine to a server for determination of the customer being authorized to use the machine to perform a transaction. Upon approval, the server includes authorization data in the component which is then returned to the banking machine. The banking machine also includes in the component, data corresponding to operation of transaction function devices, such as a receipt printer and a currency dispenser. The automated banking machine can also pass the component having the transaction information included therein from the machine in providing an account of the transaction.10-29-2009
20090289105Cash dispensing automated banking machine with flexible display - A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal. The terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data wirelessly to one or more remote computers to cause financial transfers to or from selected accounts. The terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.11-26-2009
20090289106SYSTEMS AND METHODS FOR TRANSACTION PROCESSING USING A SMARTCARD - Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway. A smartcard may function as a payment directory and/or a payment system.11-26-2009
20090188974SYSTEM AND METHOD FOR INDEPENDENT VERIFICATION OF CIRCULATING BANK NOTES - A system and method for independently verifying a bank note processor's handling of circulating bank notes. Independent detectors are provided along the transport path of a bank note processing device. Also provided is at least one independent memory storage device for logging data from the independent detectors. As the note passes along the transport path, the independent detectors evaluate the note's fitness. The independent detector data is subsequently provided to the central bank or commercial organization for auditing of the bank note processor and for generating bank note statistics. Independent detectors may also be used on the transport path output bins to corroborate the other detectors and to verify the integrity of the sorting logic. Mirrored independent detectors allow for corroborating independent data. The invention is operable on any bank note processing device that performs at least a subset of a fitness determination on each note.07-30-2009
20110204138Bank account consolidated management system - A bank account integration control system designed to operate so that the item names of a plurality of information that is included in second or new bank account information corresponding to bank accounts of a bank after a merger and a plurality of code that identifies the item names are made to correspond and stored, a plurality of information that is included in the first or old bank account information corresponding to customer bank accounts established at the first or old bank before the merger is made to correspond to each item name and stored, code that is made to correspond to the item names that are the same as the item names included in the first or old account information and stored is read out, coded account information that gives the read out code to each item name that is included in the first or old account information is created, and based on the corresponding code information and the coded account information, creates account information that corresponds the plurality of information included in the first or old account information with each item name included in the second or new account information, account information that matches the format of the new bank based on accounts opened at the old bank can be created by corresponding information included in the account information of the old bank with the code for each item name that is included in the account information for the new bank.08-25-2011
20080296366CASH DISPENSING AUTOMATED BANKING MACHINE WITH LOCKING FRAME PANELS - An automated banking machine is provided. The automated banking machine may include a fascia in operative connection with a frame. The machine may include a plurality of hardware devices which are accessible through the fascia. The hardware devices may include a cash dispenser, receipt printer, and a card reader.12-04-2008
20090008442METHOD 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 capture and securely transmit check images (including, but not limited to, personal checks, business checks, travelers checks, money orders, merchant coupons, food coupons, line of credit checks, etc.), deposit information, and other information from remote locations (i.e., locations that could include the financial institution's remote locations, other financial institution's locations, businesses, private residences, etc.), for the purpose of having those checks credited to the depositing individual's or organization's bank account(s) and having the check images (and/or physical checks) entered into the bank check clearing channels for ultimate delivery to the maker bank for payment out of the maker's account.01-08-2009
20120292389Banking System Controlled Responsive to Data Bearing Records - A banking system operates to allocate funds in accounts in response to data bearing records in the form of paper financial checks. A mobile phone has a camera and a programmable memory. The memory stores phone user data, including a bank account number and an electronic signature. The camera can be used to capture an image of a paper check which has the phone user as the payee. The phone can wirelessly transmit the account number, the electronic signature, and the check image to a bank deposit system. The system can store the check image and the electronic signature in correlated relation in a deposit transaction record. The system can cause the phone user's bank account to be credited a cash value corresponding to the check value. Confirmation of the check deposit can be transmitted to the user's phone.11-22-2012
20090266879AUTOMATED BANKING SYSTEM FOR DISPENSING MONEY ORDERS, WIRE TRANSFER AND BILL PAYMENT - A method and apparatus are provided for conducting transactions through a financial network using a document such as a check or money order at an unattended automated machine. For security purposes a signature detector detects the signature and the user uses a card to operate the machine. A reader reads the amount on the document; and, for a check, the LAR and CAR amounts are compared. If the document is a money order, the user may be prompted to endorse the money order if the signature detector fails to detect a signature. A card writer writes an amount on the card related to the amount of the transaction being done and a calculator calculates the amount to be written on the card and subtracts a user's service charge. A bill may be paid and a receipt generator will provide a receipt preferably showing payment of the bill and the service charge. If the check or money order is for an amount greater than the bill and service charge amounts, the card writer may write the difference on the card. A portion of the check or money order may also be deposited in the user's account. A cash acceptor in the machine accepts cash and a cash dispenser may dispense cash.10-29-2009
20080245854Handheld electronic personal financial money manager and spending tracker - A device for aiding in the tracking and calculation of personal financial transactions is disclosed. The device is preferably pocket sized, portable and provides finger-tip access to allow the user to concentrate on managing the user's financial transactions and achieving financial goals with minimum effort. The device includes a central processing unit (CPU) that runs database software that stores information about the user's financial accounts, financial transaction histories, budgets, plans and goals. The CPU directs the device to visually present information about, including analytical information about, these financial categories. The present invention assists the user in tracking and recording their daily money inflows and outflows (e.g., via ATM or teller deposits and withdrawals, actual cash usage, debit card transactions, check writing activities). The device also allows the user to easily modify their budget and spending plans at any point of time to assist them in keeping on track of their financial goals. In a preferred embodiment of the invention, the device has about the same size as a common checkbook. The present invention eliminates the need for manual tracking and calculations of financial transactions, such as that done on paper checkbook ledgers, and provides pocket size, portable at the finger-tip access to the user's financial information to allow the user to concentrate on achieving their financial goals with minimum effort.10-09-2008
20100102121ELECTRONIC FUND TRANSFER OR TRANSACTION SYSTEM - A point-of-sale terminal is provided that includes a financial information reader. The financial information reader is configured to read and receive financial information from a card, such as a debit or credit card, which is associated with at least one account. The point-of-sale terminal further includes an input device, which is configured to receive a request for a select cash amount in excess of an amount of the purchase transaction. The point-of-sale terminal next includes a control system, which is configured to request authorization for payment of the amount of the purchase transaction and the select cash amount on the account. The financial information reader is configured to read and receive the financial information form the card in connection with the request for authorization.04-29-2010
20100102118Banking transaction machine that operates responsive to data bearing records - A cash dispensing banking transaction machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash dispenser for a financial account without causing the card reader device to read data from a card corresponding to the financial account, when a determination indicates that a voice of the user included in an audio input signal to audio input device corresponds to a particular recognized user stored in a data store in correlated relation with the financial account.04-29-2010
20110266340Cash dispensing automated banking machine with flexible display - A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal. The terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data wirelessly to one or more remote computers to cause financial transfers to or from selected accounts. The terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.11-03-2011
20080314971MOBILE SUBSCRIBER DEVICE FOR FINANCIAL TRANSACTION TOKENS - There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.12-25-2008
20120031966Card activated cash dispensing automated banking machine system and method - 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 with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.02-09-2012
20090166406Instant Funds Availability Notification and Fraud Detection - Various aspects are directed to systems and processes for providing instant funds availability notification and/or real-time fraud detection in connection with a check image deposit, such as a check deposit at an image automated teller machine (ATM). The customer may, for instance, receive the notification on an ATM display and/or on a paper receipt printed by the ATM.07-02-2009
20120168499Banking System Controlled Responsive to Data Bearing Records - An automated banking machine operates using data read from user cards. The machine is operative to transfer funds in accounts. The machine includes a user fascia adapted to be held by a lock adjacent an opening of a housing supported atop a chest. The fascia is supported by the housing through two horizontally-disposed members. The fascia is movable away from the housing. The machine includes serviceable components supported within the housing or by the fascia. A machine servicer may stand between the two horizontally-disposed members while servicing the machine. The housing additionally includes a rear panel similarly movably mounted with two other horizontally-disposed members for use in servicing rear components.07-05-2012
20080277464Cash dispensing automated banking machine deposit accepting system and method - An automated banking machine includes a mechanism for accepting deposited items. Deposited items can be provided to the machine in envelopes passed out of the machine to a user. An empty envelope in an envelope holding container (11-13-2008
20080290157System and method for biometric authorization for check cashing - A system and method for a biometric-based identity verification for authorizing a check cashing transaction between a consumer and a merchant using a biometric identification device and at least one consumer biometric identifier scan. Said consumer registers with said system at least one biometric identifier and personal identity-verifying data both used to authenticate the identity of the consumer without the use of a man-made identity token during a check cashing transaction. During said transaction, said consumer enters at least one digital scan of at least one of their registered biometrics and said system authenticates said consumer's identity through comparing said digital scan with at least one digital scan stored in at least one system database. Upon positive identification of said consumer, said transaction is approved.11-27-2008
20080290154Fraud 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 transaction between a financial institution and a customer. An input device may receive data that corresponds to a transaction between a financial institution and a customer, such as a transfer of money. A data store may store information relating to the transaction that includes the serial number and dollar amount of the transfer of money. When the filter detects fraud, an output device may output an alert resulting in zero false positives. The filter may also include a module that is configured to compare the data that is received by an input device to data that is stored in the data store. Oftentimes, the data in the data store may be information relating to past fraud protection.11-27-2008
20100127070Currency Recycler Reconcilement Activity - A currency handling system, for example, a currency recycler or depository machine, may be configured to process currency transactions, including receiving one or more currency deposits. The currency recycler may attempt to accept and validate the currency received in the deposits, organizing and storing some validated currency while designating one or more other units of currency as temporarily unreconcilable. The currency recycler may also generate and transmit reconcilement reports summarizing a set of currency transactions, including data corresponding to the validated currency and temporarily unreconcilable currency. Reconcilement reports may be output to users or transmitted to corporate offices for business purposes, or may be transmitted to financial institutions for crediting bank accounts, and currency that could not be validated may be stored securely to allow a business to receive provisional credit.05-27-2010
20080290155PAYMENT SYSTEM AND METHODS - Disclosed are payment system and methods.11-27-2008
20090032580PROCESS OF AND SYSTEM FOR FACILITATING CASH COLLECTIONS DEPOSITS AND DEPOSIT TRACKING - A process of facilitating cash collection deposits and deposit tracking includes identifying by a retailer an amount of cash collected by that retailer, including respective amounts of currency by denomination of the collected cash, creating a deposit ticket containing at least a unique identification code associated therewith, depositing the created deposit ticket and the collected cash into a deposit bag, transporting the deposit bag to a cash processing facility, and counting at the cash processing facility the collected cash contained in the transported deposit bag to verify that the amount previously identified by the retailer corresponds to the counted amount. Particularly additional novel features include at least the following: the manner in which the retailer identifies the amount of collected cash; the manner in which the deposit bag may be scheduled for pickup; providing advance credit to the retailer for the cash deposits during various stages of cash handling/processing; and the particular manner of tracking the status of each of the deposit bags of a retailer's multiple stores.02-05-2009
20080283589Method for Identifying Banknotes Origin - The invention relates to a method for verifying the origin of bank notes from an automatic teller.11-20-2008
20080272188Distributed system for commerce - A distributed system for commerce including a merchant system with a communication system for receiving, processing and transmitting data. The system further includes an intermediate server system in communication with the merchant system, and this intermediate server system includes a data storage system for storing data transmitted thereto, as well as a communication system for receiving, processing and transmitting data.11-06-2008
20080272190AUTOMATED TELLER MACHINE SYSTEM AND METHOD AND 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 common ATMs. In addition, systems and methods to simplify settlement processing of transactions based on ATMs of each financial institution. ATMs and center systems of financial institutions are dissociated from each other, and a relay center intervenes between them.11-06-2008
20080265017Credit card and security system - A personal banking card that uses a fingerprint reading system on the back of the card that is used to read a particular individual's finger print and match that information with the finger print information contained in the memory storage system of the card. The card also has two electronic storage means on the back of the card that may be micro chips or some similar means. The storage system is used to store both information relating to the user's bank account number, the balance in the account as well as information relating to finger print information of the owner of the card. There is a means to communicate between the two storage means in order that a signal can be given from one to the other in order to “unlock” the account and allow charges to be made by using the card. When the card has been “unlocked” via the security feature, the card is active and merely swiping it or otherwise using it will cause charges to be paid and the amount deducted from the account balance stored on the card.10-30-2008
20130119125AUTOMATED BANKING MACHINE THAT OPERATES RESPONSIVE TO DATA BEARING RECORDS - An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.05-16-2013
20130119126METHOD FOR TRANSPORTING VALUE NOTE - A method for controlling a cycle of notes of value, wherein by a security transport company a cash box is removed from and/or inserted into a device for handling notes of value. The removal and/or the supplying of the cash box are detected by means of a sensor. After removal of a cash box from the device the total value of all notes of value received in the cash box is read out from the memory region of a memory element and is subtracted from a value stored in an account memory element assigned to the security transport company. After insertion of a cash box the total value is added to the value of the account memory element.05-16-2013
20080272189Amount-of-money processing apparatus and amount-of-money processing method - In a charge terminal, the amount of money added to a money terminal (an electronic money card or the like) can be easily set up. A charge terminal is provided with a slot for inserting paper money and a reader/writer section for a non-contact IC card, and it can access the electronic money card formed from the non-contact IC card through the reader/writer section. Moreover, the charge terminal has a function for charging value on the electronic money card by the amount of money of an inserted paper money, and further stores an amount-of-money table in which ID information (hereinafter, campaign card ID) of an IC card for campaign (herein after, campaign card) is connected with the amount of money for charge, and can charge the amount of money corresponding to the campaign card ID read in the reader/writer section to the IC card.11-06-2008
20100270370METHOD AND SYSTEM FOR CONTROLLING SMARTCARDS - This invention relates to a method and system for controlling smartcards which are capable of audiovisual output. Data stored remotely from the smartcard can be monitored for indication of a predetermined criterion and/or change in status of an account associated with the smartcard, for example indication of a certain level of funds in a smartcard user's bank account. A control signal can then be communicated to the smartcard for controlling the update of audiovisual output from the smartcard. The control signal can thus be communicated to the smartcard in response to a trigger generated externally of the smartcard. Data relating to audiovisual output of the smartcard may be stored on the smartcard itself, in which case the control signal may indicate to the smartcard to update its audiovisual output according to audiovisual data already present on the smartcard.10-28-2010
20090084840SYSTEM AND METHOD FOR PAYMENT AT A POINT-OF-SALE TERMINAL - A point-of-sale terminal comprises a processor, memory operatively coupled to the processor, a display screen operatively coupled to the processor and configured to display transaction information and a reader operatively coupled to the processor and configured to read a first two-dimensional encoded image pattern comprising payment information and personal security information necessary to complete a transaction. The processor is configured to decipher the first two-dimensional encoded image pattern to obtain the payment information and personal security information and complete the transaction based on this information. The personal security information comprises at least one of GPS information, time and date information, handheld device information and PIN information. The display may be configured to display a second two dimensional encoded image pattern generated by the processor that comprises transaction information readable by a handheld device that generates the first two-dimensional encoded image in response to the second two dimensional encoded image.04-02-2009
20090057397Automated banking machine system and method - A card actuated automated banking machine (03-05-2009
20090026257Method of converting virtual cash to cash and deducting from a mobile phone cash account - The method of converting cash into virtual cash and loaded into a mobile phone cash account using telco's cash product services comprising the steps of: —customer going to outlet to convert cash into virtual cash using telco's product services; —customer filling up forms, showing identification; —frontliner of outlet verifying customer's identification; —frontliner accessing the device and keying command containing—customer's information, reference number of registration form, —customer's or 301-29-2009
20090026259METHOD AND SYSTEM FOR PERFORMING MONEY TRANSFER TRANSACTIONS - A method for performing a money transfer receive transaction includes loading payout funds, corresponding to a desired amount of money to be transferred from a sender to a recipient, in a payout account associated with a payout card, such that the payout funds are electronically accessible by the recipient using the payout card. A system for performing a money transfer receive transaction is also provided.01-29-2009
20090026258Cash dispensing automated banking machine diagnostic system and method - A automated banking machine (01-29-2009
20120267431Method of Authorizing Automated Banking Machine Use Responsive to User Data Read From Data Bearing Records - An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.10-25-2012
20090001159STORED VALUE CARDS AND METHODS FOR THEIR ISSUANCE - A method for issuing both a virtual card and a physical card to a cardholder comprises issuing a virtual card to a cardholder, with the virtual card comprising an identifier and an associated database record of a stored value. A physical card is also issued to the cardholder. The physical card includes an identifier that is different from the virtual card identifier, and the physical card is in an inactive state until the physical card is activated by linking of the physical card identifier to the database record of the stored value.01-01-2009
20120067946Telescoping/Retractable Automated Transaction Module - The transaction center of the current Automated Teller Machines where a customer completes a variety of financial transactions is a fixed component of a much lager device. This is the same situation at businesses that uses air pressure to transport capsules between customers at drive up stations and the interior of the business to complete various transactions. Since these units in both cases are physically stationary and are normally accessed by person in vehicle and by pedestrians, customers are required to position as best they can their vehicles and themselves as close to these stations as possible to ease their uses of these machines.03-22-2012
20090212105Automated banking machine that operates responsive to data bearing records - A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The system is operative send a configuration XML message to a banking machine from an application server, wherein the configuration XML data includes configuration data targeted to the banking machine. The system comprising an application server is operative to send an application XML message to the banking machine, wherein the application XML application includes application data. In addition, the application data may be mapped to at least one corresponding resource on the banking machine responsive to the configuration data. The banking machine may performing a banking transaction using the at least one resource on the banking machine responsive to the application XML message.08-27-2009
20090212104Automated banking machine that operates responsive to data bearing records - A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The automated banking machine is operative to generate a check in response to inputs from a user of the banking machine. The banking machine is operative to present the check to a user of the automated banking machine. The banking machine may be operative to present an interface or other method for a user to sign the check. The banking account corresponding to the user of the banking machine is charged an amount corresponding to the value of the check. In exchange for the check being presented at the same banking machine that generated the check, the banking machine is operative to provide the user with cash dispensed from the automated banking machine.08-27-2009
20090200371ONETIME PASSWORDS FOR SMART CHIP CARDS - A financial transaction card is provided according to various embodiments described herein. The financial transaction card includes a card body with at least a front surface and a back surface. The financial transaction card may also include a near field communications transponder and/or a magnetic stripe, as well as a digital display configured to display alphanumeric characters on the front surface of the card body. The financial transaction card may also include a processor that is communicatively coupled with the near field communications transponder or magnetic stripe and the digital display. The processor may be configured to calculate one-time passwords and communicate the one-time passwords to both the near filed communications transponder or magnetic stripe and the digital display.08-13-2009
20090026256Electronic Money Reader/Writer - The present invention provides an electronic money reader/writer that can perform output processing by an information outputting unit even if a settlement processing unit malfunctions, for example, and output multiple kinds of output information requiring advanced output processing based on the operation of a settlement control unit. The reader/writer comprises an output control unit 01-29-2009
20090050691Electronic Money Terminal - The present invention provides an electronic money terminal which alone can handle multiple types of electronic money services. Since the electronic money terminal has a storage unit for storing a plurality of settlement processing programs each corresponding to one electronic money service, a selection unit for allowing a user to select an electronic money service that is used for settlement processing, and a control unit for causing a settlement processing program to be executed, which corresponds to the electronic money service selected by an input unit, the single electronic money terminal can perform settlement processing using the multiple types of electronic money services. As a result, since the number of the electronic money terminals in the entire system can be reduced, costs required to introduce the settlement systems corresponding to the electronic money services can be reduced.02-26-2009
20090050690ELECTRONIC MONEY SETTLING SYSTEM, AND ELECTRONIC MONEY SETTLING METHOD - Electronic money is stored in a user card to be used by a user, and the sum of the electronic money stored in the user card is acquired by a shop terminal. In case this sum is smaller than a using sum for the settlement in question, the electronic money corresponding to the using sum is received, and the electronic money received is stored. The shop card is prestored with predetermined authentication information, and the electronic money is received/paid from/to the shop terminal only in case the authentication is completed by that authentication information. Thus, the off-line settlement with the electronic money can be made even under the circumstances such as an automatic vendor or an outdoor shop, when on-line facilities are hard to install.02-26-2009
20090095806Automated banking machine operated responsive to data bearing records and with improved resistance to fraud - An automated banking machine that operates responsive to data read from data bearing records has sensing devices adjacent a card reader slot. The sensing devices enable detection of a fraudulent card reading device.04-16-2009
20090101705Automated banking machine operated responsive to data bearing records with improved resistance to fraud - An automated banking machine is controlled responsive to data read from data bearing records. The automated banking machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening and other transaction locations that may be susceptible to the installation of fraud devices. An anti-fraud sensing system is operative in the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include for example, fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, deposit input diversion devices or other fraud devices.04-23-2009
20090057398Banking system controlled responsive to data bearing records - An automated banking machine operates using data read from user cards. The machine is operative to transfer funds in account. The machine includes a fascia adapted to be held by a lock adjacent an opening of a housing supported atop a chest. The fascia is in operatively supported connection with the housing and operatively supported by the housing through two horizontally-disposed members. The machine includes at least one serviceable component supported within the housing or by the fascia. The fascia is moved away from the housing while operatively supported by the housing through the two horizontally-disposed members and a servicer may stand between the two horizontally-disposed members while servicing at least one component of the machine. The housing may alternatively or additionally include a rear panel similarly mounted with two horizontally-disposed members for servicing of machine components.03-05-2009
20090057396METHOD AND SYSTEM FOR MULTIPLE ACCOUNT, TOKEN-BASED SINGLE TRANSACTIONS - Systems and methods configured to enable a consumer to use a token (such as a magnetic stripe card, a smart chip, a bio-metric tool, etc.) linked to a plurality of financial accounts belonging to the consumer to complete a purchase or a financial transaction are described. The information stored in the token may be used to retrieve information from a central server about the various financial accounts (such as credit accounts, savings/checking accounts, money market accounts, home equity accounts, etc.) belonging to the consumer. The consumer may be presented with the option of making the purchase using either one of his financial accounts or more of the available financial accounts.03-05-2009
20090057394Automated retail kiosk with changeable presentation formats - An automated retail kiosk or vending machine that can vend working cellular handsets and that uses changeable presentation formats. The kiosk is generally an automated retail kiosk that can deliver primarily prepaid wireless products and services such as prepaid cellular handsets, prepaid cellular and long distance calling plans and E-pins, accessories like ear buds, phone holsters, SIM backup devices, cables and the like. In addition the kiosk or vending device can optionally provide a complete array of banking services including check cashing, prepaid debit cards, transfer of funds from debit card to debit card and many other services. An advertisement screen can play continuous or targeted advertising. The kiosk or vending device can change how it looks by accepting changeable front plates or housings, and it can communicate wirelessly over a network and be managed from a central location.03-05-2009
20100200654SYSTEM AND METHOD FOR PROCESSING CLOSED LOOP CARDS AND CODES - Disclosed herein are systems, methods, and computer-readable storage media for processing closed loop cards/codes. The method includes identifying a closed loop card/code having associated money in an account, receiving a confirmation of an amount of money in the closed loop card/code account, presenting an owner of the closed loop card/code with the amount of money in the closed loop card/code account and an offer to pay an offer amount for the closed loop card/code, receiving an indication that the owner accepts the offer, receiving the amount of money from the closed loop card/code account, and paying the owner the offer amount. Payment can be on an open loop card/code, cash, automated clearing house (ACH) to bank, check, merchant credit, or bill pay. The method can include generating a new closed loop card/code associated with the amount of money. The new closed loop card/code can be sold to another user.08-12-2010
20100200655SYSTEM AND METHOD FOR CONVERTING CLOSED LOOP CARDS INTO GIFT CODES - Disclosed herein are systems, methods, and computer-readable storage media for generating a gift code. The system receives an indication from a first user identifying a closed loop card, receives a confirmation of an amount of money in an account associated with the closed loop card, offers to purchase the closed loop card at an amount less than the amount of money in the account associated with the closed loop card, and upon acceptance of the offer, deactivates the closed loop card. The system then offers to sell the amount of money at a discount rate to a second user, receives acceptance of the offer to sell the amount of money at the discount rate, and associates a gift code with the amount of money for use by the second user. Gift codes can have no expiration date. A multi-process secure gateway can confirm the amount of money.08-12-2010
20100200653SYSTEM AND METHOD FOR CONVERTING CLOSED LOOP CARDS INTO GIFT CODES - Disclosed herein are systems, methods, and computer-readable storage media for generating a gift code. The system receives an indication from a first user identifying a closed loop card, receives a confirmation of an amount of money in an account associated with the closed loop card, offers to purchase the closed loop card at an amount less than the amount of money in the account associated with the closed loop card, and upon acceptance of the offer, deactivates the closed loop card. The system then offers to sell the amount of money at a discount rate to a second user, receives acceptance of the offer to sell the amount of money at the discount rate, and associates a gift code with the amount of money for use by the second user. Gift codes can have no expiration date. A multi-process secure gateway can confirm the amount of money.08-12-2010
20100155468OBTAINING TRANSACTION ACCOUNTS USING IDENTIFICATION CARDS - A system, method, and computer program product are used to obtain a transaction account. The system comprises at least one input device, at least one credit requesting system, at least one transaction account provider, and at least one credit reporting agency. The input device receives an identification card (e.g., driver's license) and possibly additional information from an individual. The data is then used to automatically generate a transaction account application. The transaction account provider receives and evaluates the transaction account application. The credit requesting system is coupled to the transaction account provider and the at least one input device. The credit requesting system controls transmission of the transaction account application to the transaction account provider and receives the evaluation result from the transaction account provider.06-24-2010
20090200370DOCUMENT READING APPARATUS AND IMAGE FORMING APPARATUS - A document reading apparatus includes an integral display portion integrally provided with an area sensor portion and a wireless IC tag reader, and a main CPU for detecting by the area sensor portion reflection light from an object placed on a screen of the integral display portion and detecting by the wireless IC tag reader that a wireless IC tag comes close to the screen. When it is determined that the object is a document based on an area of reflection light from the object, the main CPU switches to a document reading mode for reading the document on the screen by the area sensor portion, and when it is detected that a wireless IC tag comes close to the screen, the main CPU switches to a wireless IC tag reading mode for reading electronic money information of the wireless IC tag by the wireless IC tag reader.08-13-2009
20090230183POLARIZING OPTICAL ELEMENT AND METHOD OF MAKING THE SAME - A reactive resin thin film is formed on the surface of a substrate. Parallel bars, lying on the surface of the reactive resin thin film, are urged against the surface of the substrate so as to establish strips of film made of a reactive resin between the adjacent ones of the parallel bars. The strips of film are cured. The thickness of the strips of film can be adjusted in a facilitated manner. An optically impermeable film is formed on the surface of the substrate to cover over the strips of film. The surface of the substrate is subjected to polishing process along a plane parallel to the surface of the substrate so that the strips of film and strips of the optically impermeable film alternately arranged are exposed along the plane. The polarizing optical element can be produced without dry etching.09-17-2009
20090224033M-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 wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.09-10-2009
20090095807Method and System for Identifying Unsafe Synthetic Transactions and Modifying Parameters for Automated Playback - A method, apparatus, and computer instructions for identifying unsafe synthetic transactions and modifying parameters for automated playback. Bytecode instrumentation is used to dynamically observe the behavior of application code directly and identify each universal resource locator traversed and parameters passed in a transaction. The bytecode instrumentation may determine, based on the parameters passed, that a parameter in the current transaction is an unsafe parameter, and that the unsafe parameter is associated with a test parameter in a previously overridden transaction. If the unsafe parameter has an associated test parameter, the bytecode instrumentation may dynamically override the unsafe parameter in the current transaction with the test parameter in order to make the transaction safe for synthetic playback. In this manner, transactions may be scheduled for playback as usual, and the bytecode insertion methods ensure that the unsafe parameters in the transactions are automatically overridden for the user.04-16-2009
20090095805ELECTRONIC MONEY PAYING-IN SYSTEM - The present invention provides an electronic money paying-in system that can easily update information used for an electronic money paying-in process. As the present invention is provided with an electronic money management server for acquiring a paying-in amount that has been input to an electronic money charger and also sending a paying-in processing command for adding the paying-in amount to an electronic money balance on an IC card to the IC card via the electronic money charger, it needs to store information used for processing of depositing electronic money like the paying-in processing command only in the electronic money management server and it can easily update the information used for an electronic money paying-in process just by performing maintenance on the server. Therefore, as the information used for an electronic money paying-in process can be easily updated, maintenance operation can be easily performed on the electronic money charger.04-16-2009
20090261159Card activated cash dispensing automated transaction machine system and method - An automated banking machine operates responsive to data read from data bearing records. The machine includes a card reader that is operative to read data from user cards corresponding to financial accounts. The machine includes at least one computer and a plurality of transaction function devices. The machine further includes a plurality of device driver components that generally correspond to each of the transaction function devices. The device drivers are operative responsive to communication from an XFS layer to control the operation of the transaction function devices. The machine operates responsive to markup language documents to accomplish financial transfers.10-22-2009
20090242626APPARATUS, SYSTEM AND METHOD FOR COIN EXCHANGE - A self-service apparatus for exchanging value for coins including a coin input region configured to receive a batch of coins from a user, a coin processing device configured to determine a total value for the batch of coins, a value card storage device operatively coupled to a value card dispensing device configured to dispense, to a card receptacle or card slot, a value card from the value card storage device, the dispensed value card being associated with a value relating to the total value and a currency storage device operatively coupled to a currency dispensing device. The user is permitted an option to receive a value relating to the total value in the form of currency, a value card, or a combination of currency and a value card and the self-service apparatus is configured to charge a first transaction fee for dispensing value cards and is configured to charge a second transaction fee for dispensing currency.10-01-2009
20090242627METHOD 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.10-01-2009
20090242624BANKNOTE HANDLING APPARATUS - To improve the work efficiency of an operator, a banknote handling apparatus includes a first operating part that receives an instruction, a banknote handling section that handles banknotes on the basis of the instruction received by the first operating part, a first displaying part that is provided on the same surface as the first operating part, a second displaying part that is provided on a surface different from the surface of the first displaying part, and a controller that displays information on handling of the banknote handling section in the first and second displaying parts.10-01-2009
20120193411PRE-PAID USAGE SYSTEM FOR ENCODED INFORMATION READING TERMINALS - A fleet management system for managing a fleet of encoded information reading (EIR) terminals can comprise one or more computers, a fleet management software module, and a payment processing software module in communication with the fleet management software module. The fleet management software module can be configured, responsive to receiving a customer initiated request, to generate an unlocking message upon processing a payment by the payment processing software module. The unlocking message can be provided by a bar code to be read by an EIR terminal, or by a bit stream to be transferred to an EIR terminal via network. Each EIR terminal can be configured to perform not more than a pre-defined number of EIR operations responsive to receiving the unlocking message.08-02-2012
20120193412REVERSIBLE BANKNOTE CONVEYING CHANNEL DEVICE - A banknote conveying channel device, especially a multi-path steering banknote conveying channel device is provided. The device is arranged between an upper machine mechanism which has the functions of banknote recognition and note sorting and a lower machine mechanism for storing banknote, and is used for transmitting and separating paper money in a reversing way. The device comprises a bracket, a pair of transmission belts (08-02-2012
20120104093BANKING 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 data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine may also include a check acceptor that is usable to determine a probability associated with the check being fraudulent05-03-2012
20120104092Method of Authorizing Automated Banking Machine Use Responsive to User Data Read from Data Bearing Records - An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.05-03-2012
20120104090CARD-READER APPARATUS - A card-reader apparatus includes has a card interface for receiving data from a card presented to the card interface, a display, and a keypad having a plurality of keys for input of respective characters of user codes associated with cards presented to the card interface. The apparatus includes a controller for verifying a user code input for a card by processing the user code and the data received from the card by the card interface. The controller is adapted to generate a random mapping of user code characters to respective keys of the keypad, to control the display to indicate the mapping to a user, and to identify an input code character in accordance with the mapping. The apparatus is further adapted such that the mapping is displayed to the user with a limited viewing angle to inhibit unauthorized viewing.05-03-2012
20090057395Self-service terminal - A method of detecting attempted fraud at a self-service terminal. The method involves providing a classifier having a plurality of input zones, each input zone being adapted to receive data of a different modality. The classifier may be a statistical model. The method also involves mapping inputs from a plurality of sensors in the self-service terminal to respective input zones of the classifier. For each input zone, the classifier independently operates on inputs within that zone to create a weighted set; combines the weighted sets using a dedicated weighting function for each weighted set to produce a composite set; and derives a plurality of class values from the composite set to create a classification result. The classification result can be used to predict the probability of abnormal operation, which may be indicative of fraud.03-05-2009
20100187300Automated banking machine operated responsive to data bearing records and with improved resistance to fraud - An automated banking machine has sensing devices adjacent a card reader slot. The sensing devices enable detection of a fraudulent card reading device.07-29-2010
20100258619IMAGE-BASED CHECK DEPOSITING AUTOMATED TELLER MACHINE (ATM) AND METHOD OF OPERATING AN IMAGE-BASED CHECK DEPOSITING ATM - A method of operating a publicly-accessible image-based self-service check depositing terminal comprises receiving from a self-service depositor customer a check to be deposited, capturing non-binary image data which is representative of a non-binary image of the check, binarizing the non-binary image data to provide binarized data which is representative of a binary image of the check, determining a check image quality value associated with the binary image of the check, comparing the check image quality value with a first threshold value, transmitting the binarized data to a back office facility of an institution when the check image quality value is outside of the first threshold value, comparing the check image quality value with a second threshold value which is different from the first threshold value, returning the check to the self-service depositor customer when the check image quality value is outside of the second threshold value, and transmitting the non-binary image data to a back office facility of an institution when the check image quality value is between the first and second threshold values.10-14-2010
20100012718Automated banking machine that operates responsive to data read from data bearing records - An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user cards. The card data corresponds to financial accounts. The automated banking machine includes a cash dispenser and the machine carries out transaction functions for consumers including dispensing cash. Responsive to a diagnostic article being in operative connection with the machine a servicer interface of the machine may selectively output textual indicia included in service manuals. Servicers may also selectively conduct diagnostic activities at a servicer interface and a consumer interface on the machine.01-21-2010
20100258622Check Processing Method, Check Processing Program Medium, and Check Processing Apparatus - Check processing involves scanning a back of a check having no authorization data printed thereon and also scanning a front of the check having preprinted magnetic ink characters, electronically generating authorization data indicating that processing payment of the check has been completed and the check is valid based on a reading of the magnetic characters and a response from an external analysis source, generating an electronic merged image by electronically combining back image data captured during the scanning of the back of the check with generated authorization data, and storing the electronic merged image with the front image data captured during the scanning of the front of the check. Moreover, these operations are performed in a single pass of the check in one direction through a transportation path of a check processing apparatus. No printing of any data is required. The check processing can be embodied in a method, apparatus, or instructions embodied on a machine-readable medium.10-14-2010
20100176190Check accepting and cash dispensing automated banking machine system and method - An automated banking machine that operates responsive to data read from user cards which accepts checks and dispenses cash to users. The machine operates to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user in exchange for the deposited check. The machine dispenses cash responsive to communications with a transaction host.07-15-2010
20100187299Automated banking machine that operates responsive to data bearing records - An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user cards. The card data corresponds to financial accounts. The automated banking machine includes a cash dispenser and the machine carries out transaction functions for consumers including dispensing cash responsive to. The amount of cash dispensed is verified through communication with a security manager.07-29-2010
20100258620METHODS AND SYSTEMS FOR LINKING MULTIPLE ACCOUNTS - A method for processing a financial transaction using an interchange network computer coupled to a database is described. The transaction is initiated with a transaction card associated with a linked account. The method includes receiving, at the interchange network computer, a linked account data file for the first transaction card. The data file includes data associating the first card with a first secondary account and data linking the first secondary account to a first primary account. The method also includes storing the data file within the database and receiving a first authorization request message for the first transaction. The method also includes determining, based on data included within the first authorization request message, that the first card is associated with the first secondary account and processing the first authorization request message by applying at least one processing code associated with the first primary account to the first transaction.10-14-2010
20100258621Cash dispensing automated banking machine system and method - An automated banking machine includes a cash dispenser. Servicing the automated banking machine by on-site servicer is facilitated through use of a portable diagnostic article which can instruct the machine computer to gather machine diagnostic data and then record the gathered machine diagnostic data onto the portable diagnostic article. The gathered diagnostic data recorded on the portable diagnostic article can then be analyzed by an analysis computer. The machine computer can verify that a portable diagnostic article is authorized to instruct the machine based on obtaining a secret code from the portable diagnostic article.10-14-2010
20080314972System controled by data bearing records including check accepting and cash dispensing automated banking machine - A banking system controlled responsive to data bearing records includes an automated banking machine which includes a deposit accepting device. Data read from a user card through operation of a card reader in the machine is used to determine if the data on the card corresponds to an account of an authorized machine user. The deposit accepting device is operative to receive a stack of sheets and to separate each sheet from the stack through operation of a picker. Each sheet is aligned with the sheet path and analyzed by analysis devices including at least one magnetic read head, an imager and/or a validation device. Sheets determined not to have at least one property of a genuine sheet are returned to a user of the machine. Sheets determined to have at least one property of genuine sheets are processed and stored in the machine. The machine operates to identify malfunctions of the deposit accepting device.12-25-2008
20080314970KEYPAD SYSTEM AND METHOD - A keypad system and method includes a keypad disposable in a position accessible by a user and a supply of security devices disposable proximate the keypad and accessible by the user. Each of the security devices includes a card having a finger opening sized for receiving a user's finger therethrough.12-25-2008
20100176192Cash Letter Print Streams - Producing print streams for efficiently generating properly formatted and ordered paper cash letters comprises print stream file that includes electronic form definitions for each cash letter document. The cash letter documents can include a cover page, one or more bundles of substitute checks, a bundle summary for each substitute check bundle, and/or a cash letter bundle summary. Information from an electronic image cash letter file can be input in data fields of the electronic form definitions. Printing the information in the print stream file results in a properly formatted and ordered paper cash letter including substitute checks and audit data. Each substitute check can include all of the MICR data provided on a corresponding, original paper check. The audit data includes the cover page, bundle summary(ies), and/or cash letter bundle summary, which can each detail the documents printed concurrently therewith.07-15-2010
20100176191Automated banking machine with improved resistance to fraud - 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 sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed.07-15-2010
20100276484STAGED TRANSACTION TOKEN FOR MERCHANT RATING - An e-wallet service allows a consumer to retrieve a list of merchants selling goods and services specified by the consumer, see reviews by other consumers who conducted transactions with the merchants on the retrieved list; select a merchant from the retrieved list and an account to pay for a staged transaction and a corresponding token for the staged transaction with the selected merchant, conduct the staged transaction with the merchant by the submission of the token to the merchant as form of payment; and use the token, after conducting the staged transaction with the selected merchant, to gain access to a social media portal and input the consumer's opinion about the selected merchant's performance of the staged transaction.11-04-2010
20100276485AUTOMATIC CURRENCY PROCESSING SYSTEM HAVING TICKET REDEMPTION MODULE - An apparatus for currency discrimination comprises first and second stationary scanheads, disposed on opposite sides of a bill transport path, for scanning respective first and second opposing surfaces of a bill traveling along the bill transport path and for producing respective output signals. The bill travels along the transport path in the direction of a predetermined dimension of the bill. A memory stores master characteristic patterns corresponding to associated predetermined surfaces of a plurality of denominations of genuine bills. Sampling circuitry samples the output signals associated with the respective first and second opposing surfaces of the scanned bill. A signal processor is programmed to determine which one of the first and second opposing surfaces corresponds to the associated predetermined surfaces of the plurality of denominations of genuine bills. The processor then correlates the output signal associated with the one of the first and second opposing surfaces corresponding to the associated predetermined surfaces with the master characteristic patterns to identify the denomination of the scanned bill.11-04-2010
20130126606AUTOMATED BANKING MACHINE THAT OPERATES 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 to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is also operative to receive secure communications from a host system that are operative to enable the automated banking machine to carry out banking transactions in response to an input of a personal identification number.05-23-2013
20100127069APPARATUS AND METHOD OF PERFORMING FINANCIAL BUSINESS TRANSACTIONS - An apparatus and method of performing financial business transactions is disclosed. The apparatus includes a Point-of-Service (POS) terminal for providing Automated Teller Machine (ATM) functions; a motorized card terminal for providing KIOSK functions; and at least one biometric device for authenticating the KIOSK functions. The apparatus can further include a LCD touch screen for providing both digital advertising for vendors and instructional information for the ATM functions. The LDC screen also allows a user to complete the KIOSK functions. The at least one biometric device is a palm vein scanner and a fingerprint scanner.05-27-2010
20100001062Card activated cash dispensing automated banking machine system and method - 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 with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.01-07-2010
20100001061Check cashing automated banking machine - An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data from user cards corresponding to financial accounts. The machine can communicate with a host computer to cash financial checks. The machine can read check indicia, send check data to the host, receive authorization from the host to cash the check, and dispense cash corresponding to the check. The machine can also produce image data representative of the check indicia and determine whether the data can be accurately identified within a predetermined level of assurance.01-07-2010
20100001060SELF-SERVICE DEVICE - The invention relates to a self-service device, specifically an automated teller machine, having a display unit to display alphanumeric and/or graphic information, having an operating unit containing a control panel located spaced apart from the display unit to input numeric characters and/or control data and having a plurality of control keys extending in the area of one edge of the display unit and assigned in each case to a display panel of the display unit, wherein the control keys are integrated in a control bar, wherein adjacent control keys are located directly next to each other and wherein the control keys have a length greater than the individual display panels such that the control keys can be assigned in each instance to display panels of several differently configured display units.01-07-2010
20100001059Banking 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 may also be carried out through communication with local and remote service providers. An automated banking machine (01-07-2010
20100200652SYSTEM AND METHOD FOR ACCEPTING CLOSED LOOP CARDS AND CODES AT A MERCHANT POINT OF SALE - Disclosed herein are systems, methods, and computer-readable storage media for redeeming a closed loop card/code funded with an amount of money. The system receives from a merchant point of sale an indication of use of a closed loop card/code not issued by the merchant and presented by a consumer, queries and receives a confirmation of an amount of money in an account associated with the closed loop card/code, presents the consumer with an offer to buy the closed loop card/code at a discount price, and upon accepting the offer, closes out the closed loop card/code and pays the discount price to the consumer. Paying the discount price can include applying the discount price to a purchase by the consumer at the merchant. The merchant can provide cash back to the consumer for excess value of the discount price over the consumer's purchase. Merchants can apply more than the discount price.08-12-2010
20100200651SYSTEM AND METHOD FOR PROCESSING CLOSED LOOP CARDS AND CODES - Disclosed herein are systems, methods, and computer-readable storage media for processing closed loop cards/codes. The method includes identifying a closed loop card/code having associated money in an account, receiving a confirmation of an amount of money in the closed loop card/code account, presenting an owner of the closed loop card/code with the amount of money in the closed loop card/code account and an offer to pay an offer amount for the closed loop card/code, receiving an indication that the owner accepts the offer, receiving the amount of money from the closed loop card/code account, and paying the owner the offer amount. Payment can be on an open loop card/code, cash, automated clearing house (ACH) to bank, check, merchant credit, or bill pay. The method can include generating a new closed loop card/code associated with the amount of money. The new closed loop card/code can be sold to another user.08-12-2010
20090236412Methods of operating a self-service check depositing terminal to provide a check deposit transaction receipt - A method is provided of operating a self-service check depositing terminal to provide a check deposit transaction receipt. The method comprises receiving a check from a depositor, capturing original check image data which is representative of an image of the check, embedding at least some alphanumeric text data which is representative of alphanumeric text into at least some of the original check image data to provide modified check image data which is representative of a composite image of the check and the alphanumeric text, and printing the composite image of the check and the alphanumeric text onto a check deposit transaction receipt.09-24-2009
20090242625Automated transaction machine system - An automated banking machine (10-01-2009
20090114715Identifying duplicate printed paper cash letters - A printed cash letter includes a machine-readable identifier, such as a barcode, identifying the cash letter. Upon printing, information from the identifier is read and stored in a first record. To determine whether the cash letter is a duplicate, a check presentment module compares information from the identifier with information in the first record. If information identifying the cash letter already exists in the first record, the cash letter is a duplicate. To verify cash letter printing, information identifying multiple cash letters to be printed is stored in a second record. Upon printing a portion of the cash letters, information read from identifiers on the printed cash letters is compared with information in the second record. If the second record includes information regarding a cash letter not identified in the information scanned from the barcodes, then the check presentment module identifies the cash letter as having not been printed.05-07-2009
20090114718Method of transmitting electronic signature during a financial transaction - A transaction apparatus (05-07-2009
20090114716Automated banking machine operated responsive to data bearing records - An automated banking machine operates responsive to data bearing records such as user cards. The machine is operative to accept financial checks. The arrangement enables a card-based deposit at a deposit accepting machine to be carried out even when the deposit becomes jammed in the machine prior to transaction recordation.05-07-2009
20080277465METHOD AND SYSTEM FOR IMPLEMENTING A CARD PRODUCT WITH MULTIPLE CUSTOMIZED RELATIONSHIPS - According to one embodiment, the present invention relates to a method and a system for implementing a card product or access mechanism with multiple relationships with an issuing entity (e.g., bank, etc.) where each relationship may be defined by one or more sets of rules that are customized for a particular customer. A computer implemented method and system for implementing a mechanism with multiple customized relationships may involve identifying one or more customized rules for an access mechanism associated with a customer; establishing a plurality of accounts for the customer wherein the plurality of accounts comprise different accounts with different account characteristics; and invoking one of the plurality of accounts for a transaction through the access mechanism, based at least in part on the one or more customized rules; wherein the plurality of accounts share at least one funding account.11-13-2008
20090072020INTEGRATED FINANCIAL TRANSACTION AND ACCESS SYSTEM - A universal digital information management and transaction system facilitates a consumer's ability to organize, use and obtain personal data related to a consumer, including for example, the consumer's financial, health, and personal records. A consumer is provided with an online profile that stores all of the relevant consumer information, with a token associated with the consumer's profile to enable the consumer to securely login remotely to the system to access and manage all of their relevant information.03-19-2009
20080230599SYSTEM AND METHOD FOR PROCESSING TRANSACTIONS - There is disclosed a transaction processing server (09-25-2008
20100294834AUTOMATIC TELLER MACHINE USING BANKNOTE PACKAGES PACKED IN ADVANCE - An automatic teller machine comprises a plurality of banknote boxes (11-25-2010
20120228375e-card (Electronic debit and credit cards systems) - Electronic credit and debit cards systems intended to reduce credit and debit cards frauds through the use of variability of features, numbers and security values on the credit or debit card by electronic means or methods. It also doubles as a security token for user authentication for online access to the credit or debit cards account.09-13-2012
20130134215BANKING TRANSACTION MACHINE THAT OPERATES RESPONSIVE TO DATA BEARING RECORDS - A cash dispensing banking machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash dispenser for a financial account without causing the card reader device to read data from a card corresponding to the financial account, when a determination indicates that a voice of the user corresponds to a particular recognized user stored in a data store in correlated relation with the financial account.05-30-2013
20130140358BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA READ FROM DATA BEARING RECORDS - A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine includes a card reader operable to read financial account data from cards of depositors. The machine includes a RFID reader that wirelessly reads data from RFID tags on deposited items, including account number and deposit amount data. A computer credits the account for the read deposit amount. The machine, which can also dispense cash, further includes an NFC reader that can wirelessly receive cash loading data from an NFC component on a cash handler's cash transport bag. The cash loading data can include an amount of cash loaded into the machine. The machine can wirelessly transmit to the bag, dispense data that includes the amount of cash dispensed since the last cash loading.06-06-2013
20110127324Multiple Account Advanced Payment Card and Method of Routing Card Transactions - A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.06-02-2011
20110108620SYSTEM AND METHOD FOR RECYCLING OF ARTICLES - A system for receiving recyclable items having a deposit value from a customer, comprising a user station comprising means to generate tags bearing a unique tag identifier, an operator station comprising an operator interface for entering the tag identifier and the numbers and types of recyclable items, and a computer in communication with the customer and operator interfaces, to calculate the total deposit value for recyclable items and ascribe a deposit value to said customer account, and to update the customer account with a monetary amount correlating to said deposit value, is herein disclosed.05-12-2011
20110024494Check accepting and cash dispensing automated banking machine system and method - An automated banking-machine that is actuated responsive to data read from user cards, accepts checks and dispenses cash to users. The banking machine is operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the automated banking machine in exchange for a deposited check. The automated banking machine dispenses cash responsive to communications with a transaction host.02-03-2011
20090065573SYSTEM AND METHOD FOR CHECKLESS CASH ADVANCE SETTLEMENT - A method for conducting a checkless cash advance settlement is provided, including the following steps: (1) a customer initiates a Debit or Credit POS transaction via a gaming machine; (2) the customer receives authorization or denial; (3) the customer provides his identification and the credit/debit card to a cashier/attendant at the gaming station; (4) the cashier or attendant validates the customer's identity, retrieves the transaction information, and completes the cash advance application; (5) the application prints a non-negotiable instrument, such as a transaction receipt; (6) the customer signs the receipt confirming the transaction with a physical receipt or electronic capture; (7) the receipt image is stored electronically for subsequent transmittal to a central server; (8) the transaction information, including the receipt image if applicable, is recorded on the central server; and (9) the central server generates an ACH file and electronically transmits the ACH file to the casino's designated financial institution.03-12-2009
20090065572WIRELESSLY EXECUTING TRANSACTIONS WITH DIFFERENT ENTERPRISES - The present disclosure is directed to a system and method for wirelessly executing transactions with different institutions. In some implementations, a physical interface, a communication module, secure memory, a user-interface module, and a transaction module. The physical interface connects to a port of a mobile host device that includes a Graphical User Interface (GUI). The communication module wirelessly receives Radio Frequency (RF) signals from and transmits RF signals to an access terminal. The secure memory stores a plurality of selectable user credentials. At least one set of user credentials is used to execute transactions with the access terminal, and each set is associated with different institutions. The transaction module dynamically switches between the plurality of selectable user credentials in response to at least an event and wirelessly transmits to the access terminal a response to a requested transaction including user credentials selected from the plurality of selectable user credentials.03-12-2009
20090065571SELECTIVELY SWITCHING ANTENNAS OF TRANSACTION CARDS - The present disclosure is directed to a system and method for selectively switching antennas of transaction cards. In some implementations, a method includes physically interfacing a card with a mobile host device including a Graphical User Interface (GUI). The card executes wireless financial transactions independent of the mobile host device. User credentials used to execute financial transactions with retail terminals are stored. Information is presented through the GUI of the mobile host device. An antenna of the card is selectively switched between an activate state and an inactive state in response to at least an event.03-12-2009
20110017819TIM System - TIM System is the system that will allow people around the world to wire money more efficiently and more sufficiently. There is no more waiting in line and/or for the hours of operation of Money Transfer Companies such as Western Union, Money Gram and etc. TIM System is capable to wire money in matter of minutes on any day at any time including the major holidays just by using ATMs. TIM System is the unique program that is setup in financial institutions and allows its ATMs to operate the money wire transactions worldwide. TIM System program is an extra feature that works along with or communicates to ATMs and gives people an opportunity to send (wire) and/or receive (withdraw) money through it when it is most needed. Simply by using a major credit or debit card via TIM System anyone can request a money wire transaction at any ATM and its financial institutions.01-27-2011
20110084131Systems and methods for card present transaction without sharing card information - A new approach is proposed that contemplates systems and methods to enable an individual to complete a financial transaction by swiping a magnetic stripe card through a card reader connected to a mobile device. The size of the card reader is miniaturized to be portable for connection with the mobile device. The card reader is configured to reliably read data encoded in a magnetic strip of the card with minimum error in a single swipe and provide a signal that corresponds to the data read to the mobile device, which then decodes the incoming signal from the card reader and acts as a point-of-sale device to complete the financial transaction. Such an approach enables a person to become either a micro-merchant (payee) or a buyer/customer (payer) without having to purchase expensive card reader devices or software.04-14-2011
20100133334SYSTEM AND METHOD TO ALLOW ACCESS TO A VALUE HOLDING ACCOUNT - This document discusses, among other things, a system and method of allowing access to a value holding account. In various example embodiments, the value holding account is associated with a first account code that allows access to the value holding account. Some example embodiments include receiving a request for a second account code that is based on the first account code, and providing the second account code based on receiving the request for the second account code. The first account code may to allow access to the value holding account for a first determinable period and the second account code may allow access to the value holding account for a second determinable period that is different from the first determinable period.06-03-2010
20090072021Automated banking machine system and method - An automated banking machine (03-19-2009
20110240735Banking 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 corresponds to financial accounts. The machine also includes a display, at least one manual input device, a cash dispenser, and a machine computer that operates to cause financial transactions to be carried out on financial accounts that correspond to data read from cards. The machine computer is also operative to cause digital information to be sent from the machine to a machine user's remote system address.10-06-2011
20110240734BANKNOTE DEPOSIT TRANSACTION APPARATUS AND BANKNOTE DEPOSIT TRANSACTION METHOD - A banknote deposit transaction apparatus (10-06-2011
20120132704VISUAL ACCESS TOKEN - A method of creating a visual access token is described. The method comprises: receiving an input referencing private information without revealing the private information; retrieving the referenced private information using the referencing input; encoding the retrieved private information as part of a visual image for use as a visual access token; and presenting the visual access token on a display of a portable communication device for machine reading.05-31-2012
20090084841AUTOMATED BANKING MACHINE CURRENCY CASSETTE WITH RFID TAG - An ATM currency cassette includes an RFID tag. The tag includes information about the cassette, such as the cassette serial number and the currency denomination. An ATM includes a tag reader that can interrogate the tag to receive the information. The history of a particular cassette can be tracked via the cassette serial number. Problem cassettes can be identified.04-02-2009
20090218394Automated banking machine that operates responsive to data bearing records - A system controlled responsive to a data bearing record includes a card reader that is operative to read data from user cards including identifying data, and to authorize operation of an automated banking machine responsive to the identifying data. The automated banking machine may be operative to provide an electronic transaction receipt from the banking machine. A bank host computer may be operable to submit the receipt to a system address of record with the bank. The address of record may correspond to an e-mail address, phone number or other address associated with an account involved in the transaction. The receipt may include an image or images associated with the transaction and may be sent to a user of a banking machine. The system may also operate to image deposited checks deposited at a banking machine and may be electronically sent to a maker, payee, or clearinghouse.09-03-2009
20090039151REJECT STRUCTURE IN CASH TRANSACTION MACHINE - A reject structure in a cash transaction machine includes a main body of the cash transaction machine including a receiving section wherein a fixed magnet is included in the receiving section; a reject box body being detachably disposed in the receiving section; a reject box shutter being provided on the reject box body to open and close a reject box; and a locking member including a movable magnet in one end of the locking member and being provided pivotably toward a first location capable of locking the reject box shutter and a second location capable of releasing the reject box shutter inside the reject box body, wherein when the reject box body is disposed in the receiving section, the locking member is pivoted toward the location capable of releasing the reject box shutter due to a magnetic force between the fixed magnet and the movable magnet.02-12-2009
20100032477Banking transaction tracking - The idea behind this patent filing is to have the ability to track currency. The idea has a use at both the local economy as well as at the federal government level. At the local level, an example of the idea would be a chain store, such as a WAWA or 7-11 chain.02-11-2010
20100038418METHOD FOR BIOMETRIC AUTHORIZATION FOR FINANCIAL TRANSACTIONS - This invention comprises a method of biometric authorization for making secure financial transactions via bank card (magnetic or smart). All or portion of the personal and financial information on the said bank card is encrypted and is not available without a decoding key that is calculated using the card owner's biometric data. To decode the said information and gain access to the financial data the card's owner needs to prove his/hers identify by providing the required biometric data (e.g. place finger on fingerprint scanner). The captured fingerprint is then converted into a key that is used to decode said encrypted information. Incorrect fingerprint will produce an invalid key that will not succeed at decoding of the encrypted information. The decoding of said information may take place locally at the merchant's point of sale device or remotely at the card issuer's server. This kind of electronic authorization has a high level of security and thus reduces the risks and costs incurred by the card issuer due to monetary losses associated with fraudulent transactions made possible by unauthorized capturing (e.g. snooping) of financial information, theft, or loss of the bank card itself.02-18-2010
20080237335Method And System For Automatic Teller Machine Cash Management - There is provided a management apparatus associated detachably with a cash cassette for managing the cash cassette storing bills or coins for cash transactions with users at an automatic teller machine. The cash cassette includes an error information recording area for recording identification information identifying a type of error in the event of occurrence of the error, and a count information recording area for recording count information indicating the number of bills or coins expected to be in the cash cassette. Based on the identification information acquired from the error information recording area, the management apparatus determines whether a predetermined type of error has occurred. When determining that such a type of error has occurred, the management apparatus outputs an instruction to management staff to count the number of bills or coins in the cash cassette, or when determining that such a type of error has not occurred, it outputs the count information from the count information recording area.10-02-2008
20110079642Offline-validator - The present invention relates to a method for the preferably cashless processing especially of machine-related transactions using a memory card (04-07-2011
20110068167Method of authorizing automated banking machine use responsive to user data read from data bearing records - An automated banking machine includes an input device including a card reader which operates to read data bearing records in the form of user cards. The card data is usable to identify a user or a user account. The machine also includes an output device and a cash dispenser selectively operative to dispense currency sheets to machine users. Software operating in a computer of the machine causes the computer to operate a cash dispenser in carrying out cash dispensing transactions where cash is dispensed to users whose read accounts are assessed for value associated with cash dispensed. The computer also processes a mark up language document. The software includes screening software operative to prevent the computer from operating the cash dispenser responsive to communication with at least one system address.03-24-2011
20110068169SELF-SERVICE TERMINAL - A self-service terminal for reading wireless tags incorporated into media items is described. The terminal comprises a media acceptor for receiving media items, such as banknotes incorporating an RFID tag, and a wireless tag reader for reading received media items incorporating wireless tags. The terminal may also include a wireless tag reader for reading wireless tags in media items that are being transported to determine if multiple superimposed media items are present. The terminal may include a wireless tag reader for reading wireless tags in media items presented as a bunch, and subsequently retracted, to determine if any of the presented media items had been removed.03-24-2011
20110062231AUTOMATIC TELLER APPARATUS AND TICKET ORDER PROCESSING METHOD THEREOF - A ticket order processing method used in an automatic teller apparatus includes an identifying process, an ordering process and a communicating process. The identifying process identifies a user according to a financial identification element. The ordering process provides one or more ticket-ordering interfaces for the user so as to create electronic ticket information, provides an input interface for the user to input electronic communication data, and deducts money from an account corresponding to the financial identification element. The communicating process transmits the electronic ticket information and the electronic communication data to an external server. In addition, an automatic teller apparatus performing the ticket order processing method is also disclosed.03-17-2011
20110062232AUTOMATED BANKING MACHINE THAT OPERATES RESPONSIVE TO DATA BEARING RECORDS - A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The automated banking machine is operative to generate a check in response to inputs from a user of the banking machine. The banking machine is operative to present the check to a user of the automated banking machine. The banking machine is operative to present an interface or other method for a user to sign the check. The user's banking account is charged an amount corresponding to the value of the check. In exchange for the check being presented at the same banking machine that generated the check, the banking machine provides the user with cash dispensed from the automated banking machine.03-17-2011
20110031308DEVICE 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 (02-10-2011
20100264208DEVICE FOR RECEIVING AND/OR ISSUING PAYMENT MEANS AND/OR FOR PROCESSING VALUE DOCUMENTS - An apparatus for accepting and/or dispensing means of payment and/or for processing value documents possesses a housing in which there is disposed a control device for controlling at least one part of the apparatus, said housing having a housing body with a housing opening, a housing element movable relative to the housing body, and a housing element holding device by means of which the housing element is held movably on at least one part of the housing body, and a display device controlled by the control device for displaying operating and servicing information which is held on the housing element, wherein the housing element holding device is so configured that the housing element reciprocates between an operating position in which the housing element at least partly closes the housing opening, and a servicing position in which the housing element at least partly releases the housing opening, wherein the display device in the operating position is oriented with respect to the display device in the servicing position so as to be rotated by an angle that is smaller than 90°.10-21-2010
20100243729Banking system that operates responsive to data read from data bearing records - An automated banking machine operates to cause financial transfers responsive to data bearing records. The automated banking machine includes a card reader that is operative to read data from user cards corresponding to a financial account. The automated banking machine further includes a sheet accepting device that is operative to receive at least one of notes and checks. A note acceptor includes at least one validator that includes at least one ultrasonic detector. The at least one validator is operative to identify suspect counterfeit notes produced by assembling pieces of genuine notes by identifying seams or other fastening features in the notes where such pieces are joined. The note validator may further include image sensors and/or radiation transmission sensors which are further usable to identify the presence of seams or other fastening features that can distinguish valid and suspect counterfeit notes.09-30-2010
20110174874Transaction Card With Improved Security Features - A transaction card with improved security features, comprising: an authentication unit and a magnetic stripe wherein parts of the magnetic field pattern of said magnetic stripe are generated by currents running through coils only after the authentication unit authenticates the transaction card holder. One or more sensors detect attempts to read the card by two magnetic heads, and block the card if a cloning attempt is suspected. The transaction card is thus closed for transactions in a normal state, and the magnetic information is not readable. Only after the card holder authentication, then currents are run through the coils to generate the magnetic information and make the magnetic stripe readable by commercial devices. Authentication means may include entering a PIN via a keyboard, entering a PIN via a keypad, voice recognition identification of one or more voices, biometric identification, or identification via a connection to a remote device.07-21-2011
20100243728METHODS AND SYSTEMS FOR PERFORMING A FINANCIAL TRANSACTION - A system and computer-based method for performing a financial transaction using an interchange computer coupled to a database, the interchange computer and database associated with an interchange network, the transaction initiated by a cardholder with a merchant. The method includes receiving, at the interchange computer, a payer authentication request message from the merchant, the payer authentication request message associated with the cardholder and including data representing at least one of transaction card brands supported for payment, a response time limit, and item purchase information. The cardholder is prompted to enter access credential information. The entered access credential information is verified at the interchange computer. The cardholder is prompted to select a transaction card from one or more transaction cards associated with the cardholder. A payer authentication response message including transaction card data associated with the selected transaction card is transmitted from the interchange computer to the merchant.09-30-2010
20090001158SECURE CHECK CAPTURE DEVICE - A check capture device is disclosed. The check capture device includes a housing including a secure check storage area. The check capture device further includes a check scanner configured to electronically capture information from one or more checks. The check capture device also includes control logic configured to route checks successfully scanned by the check scanner into the secure check storage area. A method of capturing check information is also disclosed.01-01-2009
20090001157Method and Device for Processing Banknotes - The present invention concerns a method and an apparatus for processing bank notes.01-01-2009
20080302868ELECTRONIC MONEY CHARGER - which can certainly prevent an electronic money from being fraudulently deposited. An electronic money charger of the present invention comprises a reader/writer which reads and writes data with respect to a contactless IC card in which an electronic money balance used in an electronic money service has been stored, a position information obtaining unit which obtains a latitude and a longitude representing a position of the electronic money charger, and a control unit which has control to perform an electronic money deposit process via the reader/writer, and control to disable the electronic money deposit process if the latitude and the longitude obtained by the position information obtaining unit after installation of the electronic money charger are different from the latitude and the longitude obtained at the time of the installation of the electronic money charger.12-11-2008
20090057393SYSTEM AND METHOD FOR COMPLETING A SECURE FINANCIAL TRANSACTION USING A WIRELESS COMMUNICATIONS DEVICE - A system and method for completing a financial transaction using a wireless communication device is provided. A transaction authorization request is sent from the device to an issuer using SMS. An authentication message is sent from the issuer to the device, and a response is sent by a user of the device to confirm the identity of the user. Once the identity of the user is verified, a surrogate account number, in a bar code format, is sent to the mobile communication device to be read by a POS device to complete the financial transaction. A computer program product enabling the systems and methods described is also provided.03-05-2009
20080290156ELECTRONIC MONEY SYSTEM, ELECTRONIC MONEY TERMINAL DEVICE, AND INFORMATION CARD - An electronic money system includes a plurality of electronic money terminals for withdrawing a sum of money which is spent by a user from money data which has been deposited into an information card. Utilization-history data including the number of times the information card has been utilized, and accumulated in the information card is read out at the time when data relating to the spent money is also withdrawn from the information card. Utilization-history data read out from each of the electronic money terminals are gathered and coordinated, so as to coordinate and tabulate the utilization-histories of the information card which has been utilized on any of the plurality electronic money terminals11-27-2008
20120168498BANKING MACHINE THAT OPERATES 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 data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is operative to carry out financial transfers using resources of the ATM correlated to application instructions responsive to configuration data.07-05-2012
20110000959PAYMENT SYSTEM AND METHODS - Disclosed are payment system and methods.01-06-2011
20110132981Automated banking machine that operates responsive to data bearing records - A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The banking machine can generate a check in response to user inputs. The banking machine can also present the check to the machine user. The banking machine can present an interface for the user to sign the check. The user's banking account is charged an amount corresponding to the check value. In exchange for the same banking machine receiving the generated check, the user is provided with cash dispensed from the banking machine. The banking machine also allows a user to select having a canceled check image displayed at the machine and/or sent to the user's network address.06-09-2011
20110089231Banking system controlled by data bearing records - A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine is in connection with a card reader operative to read data corresponding to financial accounts from user cards. The apparatus further includes an RFID reading device that is operative to read signals from RFID tags to obtain deposit information therefrom. The information can include data associated with of the deposit, such as an account number and the deposit amount. The information can include cash value. A computer is operative to credit a financial account for value associated with deposit items responsive to data read by the card reader and/or RFID reading device.04-21-2011
20100116878METHOD FOR ON-LINE SHARING OF TMK (TERMINAL MASTER KEY) BETWEEN ATM AND HOST - Provided is a method and apparatus for establishing online a shared key that is required to perform a security communication between an automatic teller machine (ATM) and a host. Through this, it is possible to reduce costs and procedures that may be required to use or operate a certificate authority. Also, it is possible to reduce overheads that may occur in generating and verifying a certificate. Accordingly, it is possible to more securely prevent a leakage of the shared key.05-13-2010
20100116877Automated banking machine that operates responsive to data bearing records - An automated banking machine controlled responsive to data bearing records includes a card reader that reads identifying data from a user card. The automated banking machine is operative to receive and display on a display device of the automated banking machine, electronic documents for the user. The automated banking machine may digitally sign the electronic document for the user of the machine. The automated banking machine may be in operative connection with a storage server. The storage server is operative responsive to the automated banking machine to maintain electronic documents in a data store in association with the user's financial account such as checking, savings, debit, or credit account.05-13-2010
20110095084Personal financial terminal device - A personal financial terminal device includes a core circuit module having a CPU and a data unit electrically connected to the CPU, a display module operatively connected to the core circuit module, and a protection arrangement for protecting the security data information store in the core circuit module. A swipe slot, an inserting slot, and a USB port are further provided at a peripheral edge of an outer casing, so that the terminal device of the present invention is able to obtain information stored in a magnetic strip card, smart card, or via connecting to an external device respectively. Therefore, the personal financial terminal device is able to integrate with most of the existing financial transaction networks or platforms to complete the individual business transactions.04-28-2011
20130008953AUTOMATED TRANSACTION MACHINE - An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.01-10-2013
20100059587Banking 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 machine includes a card reader that reads card data from a card of a machine user. The card data is linked in a data store to both a customer's financial account and a cell phone assigned to that customer. In response to the user's transaction request, contact data for the assigned cell phone is determined from the data store using the read card data. A transaction security code is then sent to that cell phone. The transaction is allowed to proceed only if the user inputs the sent security code to the machine within a predetermined amount of time. Transaction allowance may also be based on a real time determination that the assigned cell phone is physically located proximate the machine.03-11-2010
20090308920TRANSACTION PRODUCT WITH REMOVEABLE COSMETIC ARTICLE - A transaction product has an account identifier and includes one or more cosmetic articles. The cosmetic article may be held in place by a tray such that both are readily removable from the housing. The transaction product and its various components, taken together, have a visual appeal accentuated by a sense of depth provided by employing indicia on different visual planes and by using transparent and/or translucent panels. The indicia may be evocative of the nature of cosmetic article, including graphics that depict the color, texture, or other physical properties of the particular cosmetic article enclosed within the transaction product. The account identifier is associated with the housing and links the transaction product to an account or record having a value configured to be used toward one or more of a purchase and a use of goods or services.12-17-2009
20090308919TRANSACTION CARD WITH MOVABLE MEMBER - A transaction card includes a housing, a first roller, a second roller and a machine readable link. The first roller is rotatably coupled to and at least partially stored within the housing and has a first rotational axis. The second roller is rotatably coupled to and at least partially stored within the housing and has a second rotational axis. The second rotational axis differs from the first rotational axis. The machine readable link to an account or record is coupled with the housing. The account or record is configured to track an associated value available for application toward one of a purchase and a use of one or more of goods and services. Other cards, products, assemblies and methods of using such cards, products and assemblies are also disclosed.12-17-2009
20110186628Systems, Methods and Computer Program Products for Wirelessly Preprocessing a Transaction While in a Queue for a Point-of-Transaction - A transaction is preprocessed wirelessly in response to a wireless transaction preprocessing user device being in a queue for a point-of-transaction. The transaction that was preprocessed is then completed in response to the wireless transaction preprocessing user device reaching the point-of-transaction. Financial transactions and/or purchase of goods and/or services may thereby be preprocessed wirelessly and then completed at a point-of-transaction. Related devices and computer program products are also disclosed.08-04-2011
20110186626DYNAMIC PAYMENT DEVICE CHARACTERISTICS - A payment device is disclosed. It includes a memory including payment data; and a display coupled to the memory. A processor is configured to execute one or more instructions for displaying the payment data on the display. The payment device is in the form of a card08-04-2011
20110259955Automated banking machine controlled responsive to data bearing records with currency tracking - An automated banking machine (10-27-2011
20110147451NEAR FIELD COMMUNICATION SECURE TRANSACTIONS - According to some embodiments, a method and system are provided to determine, at a portable personal computer associated with a user, a transaction between the user and a vendor to be completed via a web page, determine that a connection between the personal portable computer and a contactless payment card associated with the user has been established, and automatically facilitate a transfer of payment information from the contactless payment card to the vendor.06-23-2011
20100025461DOUBLE CONVERSION CHEQUE-CLEARING PROCESS AND SYSTEM - A cheque clearing process includes the steps of: receiving, in a computer system, first payment information based on digital ink generated by an optically imaging pen, the digital ink identifying a unique cheque identity and representing handwritten information entered on the cheque by the pen; receiving, in the computer system, second payment information based on independently reading visible information on the cheque; and comparing the first payment information with the second payment information.02-04-2010
20110215139PREPAID CARD LOAN MECHANISM AND METHODS OF COMPLETING TRANSACTIONS AND TRANSFORMING GOODS - Loan mechanisms for completing transactions made with prepaid cards where an insufficient balance exists on the prepaid card to complete the transaction, methods of completing transactions for an amount that exceeds an available balance on a prepaid card, and methods of transforming goods from a state of being retail inventory to a state of being owned by and in the possession of an end user. Loan mechanisms may include a website, a database, a connection to at least one prepaid card authorization machine, programmed technology to evaluate whether to make a loan, an apparatus to add funds to the card sufficient to cover the transaction, and a collection feature for collecting the loaned funds plus compensation. Methods may include acts of collecting information, perceiving a transaction attempt for an amount that exceeds an available balance, evaluating consent, evaluating credit risk, loaning money, and later collecting from the card holder.09-08-2011
20110215143Method of authorizing automated banking machine use responsive to user data read from data bearing records - An automated banking machine operates to carry out financial transactions for authorized machine users responsive to user data read from data bearing records. The machine includes an input devices including a card reader which operates to read card data that is usable to identify a user or a user account. The machine also includes a cash dispenser that is selectively operative to dispense currency notes to authorized machine users. A computer causes financial accounts read by the card reader to be assessed a value for cash dispensed. The computer causes operation of the cash dispenser in response to receiving cash dispense instructions. The computer includes software that prevents cash dispenser operation in response to cash dispense instructions being received in communications from at least one remote address.09-08-2011
20110215140RECHARGING PREPAID ACCOUNTS - A method may include reading a barcode and decoding the barcode to obtain a refill code at a user device, receiving an identification number and the refill code from the user device, determining whether the refill code is valid, and determining whether the identification number is valid when the refill code is valid. In addition, the method may include, when the identification number is valid, initiating a payment transaction to refill a prepaid card account. Further, the method may include receiving a user confirmation of the payment transaction when the application is at the network address, and completing the payment transaction and refilling the prepaid account when the user input confirms the payment transaction.09-08-2011
20100019028Affinity group bearer debit cards, and card systems - Systems and methods for transferring money internationally or domestically using conventional financial institution accounts and infrastructure for transfers but using non-conventional procedures to initiate the accounts. Such system comprises a non-financial-institution, non-employer, sponsor; single or multiple remitters, multiple funds recipients, a card processor; financial institution accounts for each remitter and each recipient. A remitter initiates a remittance account for himself, and a recipient account associated with a recipient. A debit card and PIN are linked to the recipient account. Multiple remitters can be affiliated with the sponsor, or a remitter can be the sponsor. The sponsor can be a non-profit. The system may track information into an account, and identify and record sources of funds transferred into the account. The debit card and PIN can access funds at a POS or ATM. Funds are transferred electronically between remitter and recipient accounts, and accessed using the debit card.01-28-2010
20090173782Dynamic Card Validation Value - As described herein, a card services provider dynamically generates a card verification value (CVV) for a transaction card and sends the dynamically-generated CVV to a cardholder. The card services provider generates the dynamically-generated CVV such that the dynamically-generated CVV is substantially unpredictable based on other dynamically-generated CVVs for the transaction card. The dynamically-generated CVV is only valid for a limited period of time and/or for a limited number of economic transactions. The cardholder uses the dynamically-generated CVV as part of an economic transaction with a merchant. Because the dynamically-generated CVV is only valid for a limited number of economic transactions and/or for a limited period of time, it may be difficult for a thief to repeatedly use the transaction card to make economic transactions.07-09-2009
20100038419SELF SERVICE COIN REDEMPTION CARD PRINTER-DISPENSER - A method of transferring funds to a personalized portable storage medium using a kiosk, includes the acts of receiving funds comprising a batch of loose mixed coins in a coin receiving area of the kiosk, processing the coins in a coin processing module, determining a total value of the funds using a controller, displaying the total value of the funds to a user of the kiosk, and permitting the user to select a desired graphic from amongst a plurality of available graphic selections using via a user input device. The method also includes the acts of printing, using a printing device, the user-selected graphic on a portable storage medium print area, the portable storage medium comprising a storage medium bearing data to which a value relating to the total value is associated and dispensing the portable storage medium bearing the user-selected graphic to the user, the portable storage medium having a first value relating to the total value.02-18-2010
20090159659Methods of operating an image-based self-service check depositing terminal to provide enhanced check images and an apparatus therefor - A method of operating an image-based self-service check depositing terminal having an optical character recognition (OCR) reader comprises the steps of (a) receiving from a self-service depositor a check to be deposited, (b) illuminating the check with infrared radiation, (c) capturing a first image of the check while the check is illuminated with infrared radiation, (d) processing the first check image to provide an enhanced image of the check, and (e) applying OCR techniques to read a magnetic ink character recognition (MICR) codeline from the enhanced check image.06-25-2009
20120031967Method of authorizing automated banking machine use responsive to user data read from data bearing records - An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.02-09-2012
20120145782Automated Banking System Controlled Responsive to Data Bearing Records - An automatic banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to included devices to avoid exceeding power supply capacity.06-14-2012
20120305642Card Activated Cash Dispensing Automated Banking Machine System and Method - 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 with a card reader. A user is able to perform at least one banking operation responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. A user is also able to perform at least one banking operation responsive to financial account data received by the automated banking machine from a mobile phone.12-06-2012
20120305641Banking 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 providers. An automated banking machine is operable to conduct transactions for machine users responsive to data read from user cards and communication with a transaction host. The machine is operable to provide output signals which drive external displays. The machine is operable to receive visual and/or audio content from remote content sources, store data corresponding to the content, and then output the content through the external displays.12-06-2012
20120305640System And Method For Facilitating Banking Transactions - A computer-implemented system and method is used for facilitating a single instance banking transaction. The method includes the steps of receiving a banking transaction request from a banking account holder at a first banking computer system, the request including at least an account identification and transaction information, generating a single instance banking transaction indicia correlated to the banking transaction request, providing the single instance banking transaction indicia to the banking account holder, receiving the single instance banking transaction indicia at a second banking computer system, and performing the banking transaction request at the second banking computer system.12-06-2012
20090140039RF communication of data between currency canister and automated banking machine - An automated canister reloading machine is able to reload a currency canister removed from an ATM. The reloading machine includes a supply of currency notes. The reloading machine can transfer currency notes from the supply into a storage area of the canister. The canister includes a memory that can store data representative of information concerning the canister, such as data representative of the type and number of currency notes held in the canister. The reloading machine is able to update the canister memory.06-04-2009
20100025460Mobile Banking Architecture - A system, method, and computer program product are provided for interfacing a user device to a transaction system. An interface is provided in order to call a function on the transaction system for performing the transaction.02-04-2010
20110315761Automated banking machine system and method - A card actuated automated banking machine (12-29-2011
20100019029TWO-SECTION RELOADABLE FINANCIAL TRANSACTION PRODUCT - A financial transaction product includes a generally planar structure, which includes a first generally rectangular section and a second generally rectangular section. The first generally rectangular section includes first encoding means for associating the first generally rectangular section with a financial account and first indicia associated with a retail chain. The first generally rectangular section is adapted for use as a stored-value card. The second generally rectangular section includes second encoding means for associating the second generally rectangular section with the same financial account and second indicia associated with the same retail chain as the first indicia. The second generally rectangular section is adapted for use as a stored-value card. A lateral score line separates the first generally rectangular section from the second generally rectangular section with lateral edges of the first and second generally rectangular sections being joined along the lateral score line.01-28-2010
20120043380SELF SERVICE DEVICE - A self-service device (02-23-2012
20120043379Automated Banking Machine That Outputs Interference Signals That Jam ReadingAbility 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 sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed.02-23-2012
20110155799Retail Sale Money Transfer System - A system and method for performing money transfer send transactions uses a plurality of tokens for retail sale, each token representing a specific money transfer purpose and having a send transaction identifier. A computer system is connectable to receive from a point of sale terminal data representing a send transaction identifier of at least one token and creating a send transaction record linked to the token's send transaction identifier. A control module executing in the computer system presents to the sender a completion interface that includes elements reflecting the specific money transfer purpose and fields for receiving send transaction information comprising: sender identification information; recipient identification information; and message options related to the specific money transfer purpose. In response to receipt of sufficient information entered at the completion interface, a memory for stores an active, funded send transaction record in the computer system including the message options.06-30-2011
20110155800SYSTEMS AND METHODS FOR PROCESSING A TRANSACTION ASSOCIATED WITH A CONTACTLESS TRANSACTION CARD - Embodiments of the invention relate to systems and methods for processing a transaction associated with a contactless transaction card. In one embodiment, a method for processing a transaction associated with a contactless transaction card can be provided. The method can include polling for at least one transaction application program via a contactless transaction card reader. Further, the method can include receiving account information from the contactless transaction card via the contactless transaction card reader. In addition, the method can include activating a corresponding transaction application program based at least in part on the received account information. Moreover, the method can include advancing a transaction counter associated with the contactless transaction card and a transaction counter associated with the corresponding transaction application program.06-30-2011
20110155801CONFIGURATION OF ISSUED DYNAMIC DEVICE - Embodiments of the invention may include a method, system, and apparatus that receives payment data that is associated with an issued payment device. Once the payment data is received, the method can then enable payment capabilities on a dynamic device. Such payment capabilities enabled on the dynamic device may be based on the payment data that is associated with the issued payment device.06-30-2011
20120205442Banking System Operated Responsive to Data Read from Data Bearing Records - A banking system includes automated banking machines that operate responsive to data read from data bearing records. Transactions may also be carried out through communication with local and remote service providers. An automated banking machine is operative to conduct transactions including cash dispensing for users, responsive to data read from user cards and communication with a transaction host. The machine is also operative to provide output signals which drive external displays. A machine processor is operative to cause the machine to receive visual and/or audio content from content sources and to store data corresponding to the content. The content is then output through the external displays.08-16-2012
20120055987Card activated cash dispensing automated banking machine system and method - 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 with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. A user is also enabled to perform at least one banking operation responsive to financial account data communicated to the automated banking machine from a mobile phone.03-08-2012
20120061464OVERAGE SERVICE INVOLVING OVERAGE MAGNETIC STRIPE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service involving an overage magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) receiving overage swipe information indicating that an overage magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the overage swipe information.03-15-2012
20110095085DEBIT CREDIT CARD HOLDER WITH PROCESSOR AND REMINDER TO MAINTAIN A RUNNING BALANCE AT A POINT OF SALE - A card holder/processor provides convenient place to store debit/credit cards where a user may have immediate access to the existing balance, can deduct expenditures, add deposits and update and save the balance for any of a plurality of accounts. The present invention may remind the user if a transaction has not been recorded and thereby actively assist in keeping an up to date balance. A money clip may be provided to carry paper currency secured to the card holder/processor. The processor may be programmed with various reminders. For example, for a debit card account, the reminder may be set to alert the user if the transaction has caused their account balance to go below a predetermined minimum. Through these settings, the user may prevent bank charges for having an account below the bank's minimum balance. The present invention, unlike other products, may collect all of the usual elements needed for a purchase into one small device. The user is not required to carry and fumble with a wallet, a calculator, a money clip and an account register.04-28-2011
20110057028SYSTEM AND METHOD FOR MULTI-TICKET SYSTEM REDEMPTION - A method for redeeming a voucher generated by a first system in a second system is disclosed. The method comprises the steps of receiving the voucher; reading the voucher; determining that the voucher was generated by the first system; redeeming the voucher on the first system for a value; and issuing a credit on the second system for the value. A system for redeeming the voucher is also disclosed.03-10-2011
20110057027CUSTOMER 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 electromagnetic receiver module. The receiver module may be configured to receive data from the purchasing instrument and receive from a customer a customer selection of a notification channel, the channel to be used for notifying the customer about a customer benefit. The system may also include a processor module configured to associate the purchasing instrument data with an account on an electronic platform so that a customer benefit offer that is stored on the platform may be associated with the purchasing instrument.03-10-2011
20090114719Cash dispensing automated banking machine system and method - An automated banking machine (05-07-2009
20090242623System and Method of Financial Instrument Processing With Duplication Item Detection - A method and system for processing financial instruments in order to detect the presence of duplicate instruments. The method may include the steps of receiving discrete items of identifying information, each for a plurality of financial instruments, grouping the items into cycles and appending discrete cycle and time dependent information to each of the items to form coded items, storing each of the coded items in a database, comparing the stored, coded items to each other to find items having duplicate identifying information, marking items having duplicate identifying information for subsequent deletion and printing a report listing all items having duplicate identifying information. The system may include a mainframe, data repository and item processing applications, all interconnected by a network. The system may receive discrete items of identifying information over a network, such as the Internet or private network, such as SVPCO. In a preferred embodiment, the system may include a module that filters items from incoming strings of items to remove false positives, namely, those items that might otherwise appear to be duplicates, but in fact are not, such as rebate coupons. The remaining duplicate items may be viewed on a graphical user interface that allows a user to review attributes of each item and manually mark duplicates for subsequent deletion.10-01-2009
20110073641PORTABLE CHANGE DEVICE - A method of conducting a monetary transaction is provided. The method includes the step of receiving a portable device that corresponds with a financial account, where the financial account includes a financial account monetary value. The information regarding the financial account is stored on a network device. A predetermined amount of monetary units are exchanged for a purchase at a point of sale, where the purchase includes a purchase price that is measured in monetary units. The predetermined amount of monetary units are subtracted from the purchase price to determine a change amount, where the change amount is measured in at least one of a banknote value and a coin value. Data associated with the coin value of the change amount is saved to the financial account, and the financial account is credited with the coin value of the change amount.03-31-2011
20120118949WIRELESS MOBILE COMMUNICATOR FOR CONTACTLESS PAYMENT ON ACCOUNT READ FROM REMOVABLE CARD - A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on the account with the wireless mobile communications apparatus. A total currency amount for the transaction, and remaining balance in the account after the transaction, can be displayed on a display screen of the wireless mobile communications apparatus. The removable card can be a gift card bearing a magnetic strip having an identifier for the account encoded thereto that will be read when inserted into the wireless mobile communications apparatus which can be a cellular telephone or Web enabled portable device. The magnetic strip gift card can be substantially composed of paper so as to be intended for disposable after use.05-17-2012
20090134215Check accepting cash dispensing automated banking machine system and method - A card activated cash dispensing automated banking machine system and method is provided. The machine is operate to read a financial card bearing account indicia with a card reader of the machine. The machine enables a user to perform banking operations responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the machine to dispense cash or perform other banking operations, the machine may further permit at least one portable wireless device to wirelessly access the machine to purchase and wirelessly receive digital information such as music and/or video files from the machine.05-28-2009
20090134214TRANSACTION SYSTEMS AND METHODS - Disclosed are transaction system and methods.05-28-2009
20110031307METHOD AND APPARATUS FOR MONEY TRANSFER - A method of performing a money transfer transaction involves receiving information at an automated kiosk from a user for a money transfer transaction, including a transaction type selection and, responsive to the information from the user received at the kiosk, building a staging record for the transaction. The staging record includes at least a retrieval key to identify the staging record and a transaction type identifier. The method provides to the sender from the kiosk a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment.02-10-2011
20120160912MOBILE PHONE ATM PROCESSING METHODS AND SYSTEMS - Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with ATM devices.06-28-2012
20100288832SYSTEM 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 consumer has accounts for card-based transactions. The interface acts as an intermediary which is accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. For example, multiple transaction cards may be linked to a single credit account with each card having a different credit limit. As another example, each transaction card may be restricted to a particular merchant. As yet another example, a consumer may link several credit and/or debit accounts to a single transaction card; the consumer may pre-select criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or a telephone for making changes and receiving account information. Flexibility and control over the use of transaction cards is, therefore, provided for card-based transactions and for debit and credit accounts used in connection with such card-based transactions.11-18-2010
20100288831Automated banking machine currency presenter arrangement - A banking system includes an automated banking machine controlled by data bearing records. The machine compares indicia from a bearer record with computer information regarding the bearer. The machine operates to reallocate credit among various accounts responsive to computer determined correspondence among stored user identification data, read card data, and read biometric data. The machine also includes a note presenter and a currency cassette. A gate of the presenter is located at a note dispensing outlet of the machine. The gate is opened by actuating a lever linked with an arm connected to the gate. The currency cassette includes a one-piece polymer body attached to a one-piece polymer lid. A one-piece tambour door is movable along guide tracks integrally formed with body side walls.11-18-2010
20120125996Banking System Controlled Responsive To Data Bearing Records - A banking system operates to allocate funds in accounts in response to data bearing records in the form of paper financial checks. A mobile phone has a camera and a programmable memory. The memory stores phone user data, including a bank account number and an electronic signature. The camera can be used to capture an image of a paper check which has the phone user as the payee. The phone can wirelessly transmit the account number, the electronic signature, and the check image to a bank deposit system. The system can store the check image and the electronic signature in correlated relation in a deposit transaction record. The system can cause the phone user's bank account to be credited a cash value corresponding to the check value. Confirmation of the check deposit can be transmitted to the user's phone.05-24-2012
20120160913Automated Banking Machine that Operates Responsive to Data Read from Data Bearing Records and Diagnostic Method - An automated banking machine operates to cause financial transfers responsive to data read from data bearing records, such as user cards. The machine includes sensing devices adjacent a card reader slot. The sensing devices enable the machine controller to detect the presence of unauthorized card reading devices. Servicing the machine is facilitated through use of a portable diagnostic article. The article enables access to diagnostic data stored in machine memory. The article also provides data indicative of the significance of the diagnostic data.06-28-2012
20120160911DIGITAL RECEIPT READING DEVICE, SOFTWARE AND METHOD OF DIGITAL RECEIPT READING - A customer's mobile device comprises a camera and a processor. The camera is used to scan a two-dimensional barcode which has encoded within it transaction details and ancillary information relating to purchases made by a customer in their receipted transaction.06-28-2012
20120160910COMBINED LASER AND IMAGING SCANNER - A combined laser and imaging scanner has an image capture device located under a horizontal platen such that the field of view of the image capture device points away from an operator side of the scanner in order to capture an image of an optical code which is being scanned by the laser scanner through the horizontal platen. The image capture device is located in amongst the mirrors which form the scanning optics of the laser scanner.06-28-2012
20120132705DEVICE FOR READING MAGNETIC STRIPE AND/OR CHIP CARDS WITH A TOUCH SCREEN FOR PIN ENTRY - The invention relates to a device (05-31-2012
20100181376METHODS, APPARATUS, COMPUTER PROGRAM PRODUCTS AND ARTICLES FOR USE IN PROVIDING HUMAN UNDERSTANDABLE INDICATION OF ACCOUNT BALANCE - In accordance with some embodiments, a method includes receiving, in a proximity coupling system, holder consent to provide a human understandable indication of an account balance associated with a payment account; and providing a human understandable indication of the account balance associated with the payment account via an output device, in response at least in part to the consent; wherein receiving holder consent comprises receiving holder consent provided via a proximity payment device associated with the payment account. In accordance with some embodiments, a method includes storing account data and preference data in a proximity payment device, the preference data indicative of a preferred method to provide a human understandable indication of an account balance. In accordance with some embodiments, apparatus includes a proximity payment device, the proximity payment device including preference data, the preference data indicative of a preferred method to provide a human understandable indication of an account balance. In accordance with some embodiments, apparatus includes a proximity payment device wherein the proximity payment device generates data indicative of whether there is consent to provide a human understandable indication of an account balance based at least in part on whether a holder has actuated a switch.07-22-2010
20120312871Card Activated Cash Dispensing Automated Banking Machine System and Method - 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 with a card reader. A user is able to perform at least one banking operation responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. The card reader may further communicate a component to an automated banking machine component, which is operative to use the component from the card reader to operate the card reader.12-13-2012
20120223135Banking System Operated Responsive to Data Read from Data Bearing Records - An exemplary system includes an automated banking machine which is operable to conduct transactions including cash dispensing for users responsive to communication with a transaction host. The machine is also operative to provide output signals which drive external displays which are separate from the machine. The machine is operable to receive visual and audio content from one or more broadcast content sources and to store the content in the machine. The content is then output through the external displays. The machine is also operative to receive and store a plurality of advertising messages. The advertising messages are output in a targeted manner to users of the machine.09-06-2012
20100051687FINANCIAL DOCUMENT PROCESSING SYSTEM - A system for processing deposits and/or withdrawals in a financial institution accepts a plurality of documents, including currency bills, at an input receptacle of a document-processing device, converts the image of at least some of the documents to electronic data representing the image. The currency bills are denominated by the document processing device, and the total value of the bills included in each deposit is accumulated. Whenever the total value of the bills in a deposit exceeds a prescribed value, a report may be generated containing at least an identification of the specified account, the total value of the bills in the deposit, and the serial numbers of the bills. The serial numbers may be extracted from images of the bills.03-04-2010
20100051684FRAUD GEOSPEED ALERTING METHOD AND SYSTEM - An exemplary method for determining a potentially fraudulent transaction includes receiving present card location information indicating a present location and a present time for a financial transaction card and a first transaction, obtaining past card location information indicating a past location and a past time for the financial transaction card and a second transaction, calculating a distance between the present location and the past location, calculating a time duration based on the present time and the past time, determining feasibility of use of the financial transaction card at the present location and the past location based on the distance and the time duration, and generating a transaction risk alert if the feasibility determination is lower than a predetermined threshold.03-04-2010
20100051686System and method for authenticating a transaction using a one-time pass code (OTPK) - Provided is a system and method for authenticating a financial transaction using a dynamic code tied to a preset monetary limit. The dynamic code is generated at the user's mobile device and linked to the preset monetary limit. The user uses the generated dynamic code instead of his or her static automated teller machine (ATM) personal identification number (PIN). The dynamic code, transaction data, and financial account data are transmitted to a validating entity for authorization of the transaction. If the withdrawal request exceeds the preset monetary limit, a request is sent to the user's mobile device for an additional authorization of the new amount or the transaction is rejected based on the information in the user's profile. The dynamic code may also be generated for use in Internet transactions and web payment transactions.03-04-2010
20100051685ENABLING CONSUMER CHOICE ON CONTACTLESS TRANSACTIONS WHEN USING A DUAL-BRANDED PAYMENT INSTRUMENT - The embodiments presented herein provide for systems and methods for allowing different types of transactions, e.g., credit or debit transactions, over different payment networks, e.g., Visa or STAR networks, using contactless payment devices. In embodiments, a merchant and/or consumer can select if he or she wants a debit or credit transaction. The merchant point-of-sale (POS) device can process these choices and transmit the request to the contactless payment device. In embodiments, the contactless payment device includes two or more applications (one for credit transactions and one for debit transactions) for conducting transactions and transmitting the requested information to the merchant POS device. The merchant POS device can then use the information received from the contactless payment device to complete the transaction over the requested network.03-04-2010
20120175415Check Accepting and Cash Dispensing Automated Banking Machine System and Method - An automated banking machine operates responsive to data read from user cards to accept checks and dispense cash to authorized machine users. The machine can compare image data and magnetic data obtained from a check to determine the genuineness of the check. The machine can also determine whether a machine user is authorized to exchange a check for cash. A cash dispenser can be operated to dispense cash to a machine user in exchange for a deposited check. The machine dispenses the cash responsive to communications with a transaction host.07-12-2012
20120312870Automated Banking System Controlled Responsive to Data Bearing Records - An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.12-13-2012
20100012719Banking 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 may also be carried out through communication with local and remote service providers. An automated banking machine (01-21-2010
20120074217Banking Terminal that Operates to Cause Financial Transfers Responsive to Data Bearing Records - A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal. The terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data to one or more remote computers to cause financial transfers to or from selected accounts. The terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.03-29-2012
20120074216METHOD AND APPARATUS FOR MONEY TRANSFER - A method of performing a money transfer transaction involves receiving information at an automated kiosk from a user for a money transfer transaction, including a transaction type selection and, responsive to the information from the user received at the kiosk, building a staging record for the transaction. The staging record includes at least a retrieval key to identify the staging record and a transaction type identifier. The method provides to the sender from the kiosk a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment.03-29-2012
20120255994Mass transit fare processing system - An implementation of a system and method for using existing identification token infrastructures for mass transit fare product entitlement and payment is provided. The system and method make use of tokens—usually issued by a third party—for identification purposes and optionally for settlement purposes. The system does not store information on the tokens and instead maintains access control data (i.e., “white” and “black” lists). This implementation differs from known systems that require specially issued credit cards that have dedicated mass transit functionality.10-11-2012
20120261466METHOD OF AUTHORIZING AUTOMATED BANKING MACHINE USE RESPONSIVE TO USER DATA READ FROM DATA BEARING RECORDS - An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.10-18-2012
20120261467METHOD OF AUTHORIZING AUTOMATED BANKING MACHINE USE RESPONSIVE TO USER DATA READ FROM DATA BEARING RECORDS - An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.10-18-2012
20130200146ADDING CARD TO MOBILE/CLOUD WALLET USING NFC - A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user's mobile/cloud wallet.08-08-2013
20110121070Card activated cash dispensing automated banking machine system and method - 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 with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.05-26-2011
20100327055Code Based Access Systems - A system including at least two parts or stations wherein a transaction or connection between any two or more of the parts or stations is conducted or established by an access code, the access code being available to an accessed part or station and requiring an identical access code to be provided to an accessing part or station at the time of conducting the transaction or establishing the connection. The system is characterized in that the access code is one of a plurality of codes provided to the accessed part or station and available to the accessing part or station. The system is further characterized in that the access code is selected from the plurality of codes at the time of conducting the transaction or establishing the connection, such that no two transactions are conducted or no two connections are established with the same access codes.12-30-2010
20120318862Method and Apparatus for Credit Card Tracking at Pay Stations - An enhancement to a pay station where subscribers can track usage of credit cards or groups of credit cards at parking and other facilities. The subscriber provides a key that can be used with a predetermined hash or encryption algorithm to hash or encrypt every credit card number that enters the system. A database of the coded results for a set of pre-registered credit cards belonging to that subscriber is maintained in the pay station database. Whenever an incoming credit card's coded output matches one of the coded results on the pre-registered list, a log entry can be made in a usage log. The subscriber generally has a list of the coded outputs for each of their pre-registered cards. The subscriber can thus track usage of any of these cards.12-20-2012
20110215142Banking 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 data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive to communications received from components executing in a virtual machine.09-08-2011
20110215141APPARATUS, METHOD, AND SYSTEM FOR FACILITATING SWIPED MAGNETIC CARD-PRESENT FINANCIAL TRANSACTIONS USING ANY MOBILE TELEPHONE - The present invention relates generally to financial processing systems. Specifically, this invention relates to mobile transaction processing utilizing existing voice network infrastructure and installed handsets. In a preferred embodiment, a payment card is swiped through a card-reader apparatus that is adapted to transmit data to a central processing system, via the handset. The system also interacts with the financial network in order to complete financial transactions. The system then passes the reply, if any from the financial network. Responses from the caller or apparatus may then be passed back to the system. This process repeats itself until all data is gathered or the call is terminated.09-08-2011
20110220714Card activated cash dispensing automated banking machine system and method - 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 with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. The card reader may include a data store including a card reader device driver therein. The card reader may further communicate the device driver to a automated banking machine software application component, which is operative to use the device driver to operate the card reader.09-15-2011
20110226852MULTI-USE ELECTRONIC CARD BALANCE READER - Devices for receiving a smart card, such as a debit card, and reading the card are disclosed. These devices allow a user, such as the holder of the smart card, to determine a balance available to the holder of the card or an account associated with the holder or the card. The portable card balance reader includes at least a microprocessor or microcontroller and sufficient memory for storing balances from the card and for performing calculations to alert a card holder that he or she may be spending an amount that is greater than an available amount from the account of the card holder. The portable card balance reader does not require connection to an external computer or the Internet. Information concerning balances for the account is input from the card itself, from the user, or from both the user and the card itself.09-22-2011
20090261158AUTHENTICATION OF CHEQUES AND THE LIKE - Value based tokens are generated for inclusion on a data carrier which may be applied to a cheque or similar document. The tokens are generated by a core system, which communicates with application specific wrappers. The wrappers supply token parameters to the core that are specific to the application and the core generates the tokens, and stores them for later authentication. The core then encodes the tokens onto a data carrier under the control of the wrapper and distributes the tokens under the control of the wrapper. The tokens are encoded onto the cheque when it is printed. When a cheque is presented for authentication, for example by at a bank, the signed cheque is imaged and the token retrieved from the encoded data carrier. It is passed back to the core by the wrapper for authentication of its identification number and other parameters. The image may be sealed by a further data carrier which may be printed on the cheque or added to the electronic image. The further data carrier may include a separate token or have a token which is related to the first token. Where the data carrier is applied to the electronic image it may replace the first data carrier. The data stored on the carrier references cheque information stored at a database which is compared with cheque information retrieved from the cheque.10-22-2009
20120080518Card Feed Unit, Read Out Unit, ATM And Method - The present invention relates to a card feed unit for transferring a data carrier of card information of a multi-services cards, such as a bank card or credit card, to a reading head of a reading unit for at least reading out of card information, the card feed unit comprising: attachment means for attaching the card feed unit in an arrangement respective of the reading head that is suitable for transporting the data carrier of the card in the direction of the meeting head, a receipt position for receipt of the card, a transfer assembly for transferring the card by means of the transfer assembly in the direction of the reading head, in which: the card feed unit is suitable for, during insertion of the card in the receipt position, receiving the card in the receipt position by means of an insertion operation with a direction of movement that, at least as seen in one direction, is substantially perpendicular to the readout direction of the card for preventing that the card is readable during the insertion operation.04-05-2012
20120080517Apparatus improving item transactions with real-time controls and navigation - Invention describes real-time control system increasing shopping efficiency, maintaining item quality, inventory, and directing customer transactions, requiring handling and processing of items only once. Invention controls access to items inside modules via card with unique embedded identification features. Invention stores customer transactions and entered shopping lists. Invention per customer selected shopping list and items availability, will in real-time navigate customer to complete required transactions within customer selected criteria. Invention controls card identification features and modules containing items. Invention based on card identification and item identification such as barcode information will store customer executed transactions, and will require customer to pay for completed transactions before leaving the store. Invention in real-time maintains inventory of items, controls environment surrounding items, and reports items exceeding shelf life limit preventing their transaction. Invention analyzes transactions executed by the card, correlates transactions to customer at payment module, stores behavior patterns for future optimizations of transactions.04-05-2012
20110259956Check Processing Method, Check Processing Program Medium, and Check Processing Apparatus - Check processing involves scanning a back of a check having no authorization data printed thereon and also scanning a front of the check having preprinted magnetic ink characters, electronically generating authorization data indicating that the check is valid based on a response from an external analysis source, generating an electronic merged image by electronically combining back image data captured during the scanning of the back of the check with generated authorization data, and storing the electronic merged image with the front image data captured during the scanning of the front of the check. Moreover, these operations may be performed in a single pass of the check in one direction through a transportation path of a check processing apparatus. No printing of any data is required. The check processing can be embodied in a method, apparatus, or instructions embodied on a machine-readable medium.10-27-2011
20100230486Automated banking machine that operates responsive to data bearing records - An automated banking machine controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. User operation of the automated banking machine is authorized responsive to the identifying data read by the card reader. The automated banking machine is allowed temporary usage of a machine application that enables the machine to perform an authorized banking transaction requiring operation of the card reader.09-16-2010
20120325904Emergency Time Cash Machine - An apparatus for processing a cashier's check from home. A user may input account information into the apparatus that is verified with the user's fingerprint prior. Once verified, the apparatus may issue a valid cashier's check drawn on the user's account from a lending institution such as a bank, and method of using the same.12-27-2012
20120280033FRAUD PREVENTION - A card reader guide for use in a fascia of a self-service terminal is described. The card reader guide defines a card reader aperture extending in a first direction through which a customer may insert a data card. The card reader guide also comprises: a first protrusion extending (i) along part of the card reader aperture through which a magnetic stripe of the card passes, and (ii) towards the customer, wherein the first protrusion defines a stripe path in registration with the magnetic stripe of the card as the card is inserted by the customer; a second protrusion, opposite to, and aligned with, the first protrusion, and extending (i) along the part of the card reader aperture through which the magnetic stripe of the card passes, and (ii) towards the customer; and a magnetic reader detector located in the first protrusion at the stripe path.11-08-2012
20120280034AUTOMATIC TELLER MACHINE - An automatic teller machine (ATM) may temporarily stack paper mediums in a carriage, adjust an advancing direction of the carriage by rotating the carriage by a rotor, and dispense the paper mediums to one of a plurality of dispenser portions by the carriage moving along movement paths. In addition, since a discharge path for paper medium being discharged from a rejected medium transfer portion to a collected medium storage portion and a discharge path for paper medium being discharged from the carriage to the collected medium storage portion are formed in a common discharge space, paper mediums detected to be abnormal and rejected and paper mediums not received by the dispenser portions but retracted may be stored in one place. Consequently, the structure may be simplified.11-08-2012
20120286032BANKING APPARATUS 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 data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is operative to output a visual and audible user interface which enables a consumer to operate the machine. The exemplary machine may output secure verbal instructions through a wireless headphone placed in operative connection with the machine.11-15-2012
20120286033Automated Banking Machine Operated Responsive to Data Bearing Records with Improved Resistance to Fraud - A banking system machine is controlled responsive to data read from data bearing records. The machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraud devices. An anti-fraud sensing system is operative in the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices.11-15-2012
20090114717Methods and systems for managing transaction card accounts enabled for use with particular categories of providers and/or goods/services - A computer-implemented method and system for managing transaction card accounts involves enabling a transaction card account by a card issuer for use with pre-defined categories of providers of goods/services and goods/services sold and issuing a transaction card and establishing an associated pre-qualified category card account. Upon receiving data for a transaction with the transaction card at a transaction terminal by a processing platform of the card issuer via a card association processing network, the category of the provider and goods/services is interrogated to determine whether or not the transaction can be posted on the pre-qualified category card account of the cardholder, and the transaction is approved and posted to the pre-qualified category card account if the transaction falls within the pre-qualified category of the cardholder.05-07-2009
20120138677Automated Banking System Controlled Responsive to Data Bearing Records - An automatic banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to included devices to avoid exceeding power supply capacity.06-07-2012
20120138676CARD ACTIVATED CASH DISPENSING AUTOMATED BANKING MACHINE - 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 data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine further includes a sheet detector that is operative to detect at least one property usable to distinguish between the presence or absence of a sheet and/or determine a property of the sheet.06-07-2012
20130008952AUTOMATED TRANSACTION MACHINE - An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.01-10-2013
20130020388SYSTEM AND METHOD FOR PREPAID ACCOUNT REPLENISHMENT - A method of processing a transaction for provision of funds to a mobile telephone prepayment account associated with a mobile telephone is disclosed. The method includes: an Automated Teller Machine (ATM) receiving, from a card associated with a user of the mobile telephone, information identifying a financial account associated with the user of the mobile device; the ATM receiving, from a user, an identifier associated with the mobile telephone; the ATM receiving, from the user, information indicating an amount of funds to be provided to the mobile telephone prepayment account; and the ATM sending, to a financial institution associated with the financial account, an instruction to transfer the indicated amount of funds from the financial account to the wireless service provider, so as to provide the indicated amount of funds to the mobile telephone prepayment account.01-24-2013
20080251578ATM SECURITY SYSTEM AND METHOD OF USE - One possible embodiment of the invention could be an ATM security system comprising of an ATM, an ATM alarm system, a financial institution computer system is connected to the ATM and the ATM alarm system, and a security code that when entered by the individual into the financial institution computer system through the ATM will cause the financial computer system to active the ATM alarm system relative to the ATM.10-16-2008
20080230598Free-space Gesture Recognition for Transaction Security and Command Processing - A sensor panel having a matrix of independently decoded sensors, arranged in a two-dimensional pattern allows a consumer identification unit (CIDU) to detect a user-specific gesture made with a gesturing instrument such as an RF ID device. The CIDU monitors on a timed basis which of the sensors in the panel are receiving a signal from an RF ID device which has entered the proximity of one or more of the sensors. The user moves the sensor in a two-dimensional pattern to perform a “gesture signature” in free space near the panel, and the CIDU records the sequence of receiving sensors. This sequence can then be quickly and efficiently handled as a number to be looked up to identify and authenticate the user. Preferably, the user is allowed to define multiple signature gestures, each having the possibility of being associated with a transaction or authorization level.09-25-2008
20080230597Electronic Money Charger - The present invention provides an electronic money charger in which an inserted currency returned when an anomaly has occurred in an electronic money deposit process is not carried away. An electronic money charger of the present invention is provided with a banknote receiving unit which receives an inserted banknote, a human sensor which detects a user who has inserted the banknote, and a control unit which controls to prepare for returning the inserted currency when the anomaly has occurred in the electronic money deposit process and also to store the inserted banknote in the banknote receiving unit if the user has not been detected by the human sensor in a state prepared for returning the inserted banknote.09-25-2008
20130168448BANKING 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 providers. An automated banking machine is operable to conduct transactions for machine users responsive to data read from user cards and communication with a transaction host. The machine is operable to provide output signals which drive external displays. The machine is operable to receive visual and/or audio content from remote content sources, store data corresponding to the content, and then output the content through the external displays.07-04-2013
20080223919Automated banking machine system and method - An automated banking machine is operatively controlled from a front consumer user station and a rear maintenance user station. The machine is operative to output a consumer user interface through a front display device. The consumer user interface includes interactive options for performing transactions with the machine including dispensing cash with a cash dispenser. The machine is further operative to output a maintenance user interface, through a rear display device. The maintenance user interface includes options for configuring, troubleshooting, servicing and maintaining the machine. The operating system of the machine is operative to generate a desktop environment that spans both the front display device and rear display device, such that a first portion of the desktop is output by the first display device and a second portion of the desktop is output by the second display device.09-18-2008
20080223918PAYMENT TOKENS - Systems and methods of payment processing via employing a payment token(s) that is supplied to smart portable devices, which are carried by customers. Such a token can be in form of a unique identifier(s) (which is generated by an issuing bank and received by the smart portable devices), and is associated with a payment amount for a merchant. Moreover, the point of sale (POS) terminal can accept the token offline, and hence a requirement for availability of communication between the POS and a payment processor/issuing bank can be mitigated.09-18-2008
20080217395Secure Internet Payment Apparatus and Method - An improved apparatus and method for making payment over the internet with a financial media, such as a financial card, RFID, contactless media or the like, are disclosed. The apparatus includes an online enabled device or circuit connected to the internet to receive a communication indicating an amount due for the transaction. A reader reads data from the financial media. The data includes an account number corresponding to the financial media. The circuit transmits the data and the amount due to a financial institution corresponding to the financial media and allows the financial institution to provide an authorization number to the merchant indicating that the transaction has been approved. The merchant does not obtain access to the account number data. A method for a customer to pay for a transaction over an internet connection is also disclosed. Other apparatus and methods are also disclosed.09-11-2008
20130098993AUTOMATED BANKING MACHINE THAT OPERATES RESPONSIVE TO DATA BEARING RECORDS - An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.04-25-2013
20110266341Banking system controlled by data bearing records - A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine is in connection with a card reader operative to read data corresponding to financial accounts from user cards. The machine further includes an RFID reading device that is operative to read signals from RFID tags to obtain deposit information therefrom. The information can include data associated with the deposit, such as an account number and a deposit amount. The information can also include cash value. A computer is operative to credit a financial account for value associated with deposited items responsive to data read by the card reader and/or RFID reading device.11-03-2011
20130126605OFFER MANAGEMENT AND SETTLEMENT IN A PAYMENT NETWORK WITH A PAYMENT PROCESSOR - A payment network for facilitating transactions involves management of offers and accounts associated with a consumer. During a transaction, the payment network can associate one or more offers and accounts in settling a transaction. Once the offer and accounts have been associated with the transaction, the payment network can adjust a transaction amount and/or identify amounts to be debited for each account associated with the transaction.05-23-2013
20090272796Electronic Credit Card - ECC - An Electronic Credit Card (ECC) including a user verifier for verifying a user's identity, a code generator for generating a unique authorization code for the user, storage of the user's account details for use in an electronic funds transfer, and a communicator for non-visual communication of the account details and the authorization code to a transaction station.11-05-2009
20130146657BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA READ FROM DATA BEARING RECORDS - A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine includes a card reader operable to read financial account data from cards of depositors. The machine includes a RFID reader that wirelessly reads data from RFID tags on deposited items, including account number and deposit amount data. A computer credits the account for the read deposit amount. The machine, which can also dispense cash, further includes an NFC reader that can wirelessly receive cash loading data from an NFC component on a cash handler's cash transport bag. The cash loading data can include an amount of cash loaded into the machine. The machine can wirelessly transmit to the bag, dispense data that includes the amount of cash dispensed since the last cash loading.06-13-2013
20130175338BANKING TERMINAL THAT OPERATES TO CAUSE FINANCIAL TRANSFERS RESPONSIVE TO DATA BEARING RECORDS - A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in memory of the terminal. The portable terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data to one or more remote computers to cause financial transfers to or from selected accounts. The portable terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.07-11-2013
20130153653GUIDING PATHWAY - A method and apparatus are disclosed for guiding an item of media travelling along a pre-determined transport pathway. The apparatus includes a guide body comprising an arcuate guide surface, at least one drive roller comprising an outer drive surface, and at least one pulley member having an outer item engaging surface that extends through an opening in the guide surface and is urged against the outer drive surface. The drive roller and pulley member co-operate to lift an item away from the guide surface at an arcuate region of the transport pathway.06-20-2013
20130153654Banking Apparatus Controlled Responsive to Data Bearing Records - A banking system is controlled responsive to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction for a person responsive to a determination that the person is an authorized user of the machine based on correspondence between identifying data read by a reader of the machine and data store information. The machine includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.06-20-2013
20110272460Automated banking machine that operates responsive to data bearing records - A system controlled responsive to a data bearing record includes a card reader that is operative to read data from user cards including identifying data, and to authorize operation of an automated banking machine responsive to the identifying data. The automated banking machine may be operative to provide an electronic transaction receipt from the banking machine. A bank host computer may be operable to submit the receipt to a system address of record with the bank. The address of record may correspond to an e-mail address, phone number or other address associated with an account involved in the transaction. The receipt may include an image or images associated with the transaction and may be sent to a user of a banking machine. The system may also operate to image deposited checks deposited at a banking machine and may be electronically sent to a maker, payee, or clearinghouse.11-10-2011
20130126604ALL-CARD-IN-ONE SYSTEM - The all-card-in-one (ACIO) system described herein allows a user to use a single ACIO card to work as a replacement all his/her credit cards, debit cards, promotional cards, discount cards, and all other cards suitable for financial transactions. In the same manner, the chances to have a card lost or stolen are reduced, bolstering the security of the user's financial information. The ACIO card may be used to access regular card readers as well as ACIO terminals. The ACIO terminals list the entire collection of a user's cards and allow the user to access any one or a combination of the cards to finish a financial transaction. Moreover, when the user is fully verified with the ACIO system, he/she may be able to access the ACIO system through biometric recognition technologies such as fingerprint scanner or facial recognition. Such a “no card” access significant improves both convenience and security.05-23-2013
20110278357WIRELESS DEVICES FOR STORING A FINANCIAL ACCOUNT CARD AND METHODS FOR STORING CARD DATA IN A WIRELESS DEVICE - A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.11-17-2011
20110303745Automated banking machine operated responsive to data bearing records with improvedresistance to fraud - An automated banking machine is controlled responsive to data read from data bearing records. The automated banking machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraud devices. An anti-fraud sensing system is operative in the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include for example, fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices.12-15-2011
20110309141Banking transaction machine that operates responsive to data bearing records - A cash dispensing banking machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash dispenser for a financial account without causing the card reader device to read data from a card corresponding to the financial account, when a determination indicates that a voice of the user corresponds to a particular recognized user stored in a data store in correlated relation with the financial account.12-22-2011
20120018510Multiple Financial Institution Automated Teller Machine System and Method - An apparatus, system and method for providing to a network of ATMs (01-26-2012
20130193205CURRENCY DISPENSER - A vertically arranged combination desktop currency denominating machine and currency dispenser comprising a currency denominating module adapted to receive a stack of currency bills to be denominated and to denominate the received currency bills, wherein a transport mechanism transports bills individually from an input receptacle adapted to receive the stack of currency bills to one or more output receptacles. The combination further comprising a dispenser retaining section adapted to store currency bills to be dispensed to the one or more output receptacles during a dispensing operation, the retaining section comprising one or more dispensing receptacles, each dispensing receptacle adapted to hold bills having a common denomination, wherein the dispenser retainer section is positioned above the currency denominating module.08-01-2013
20120024946Value Token Conversion - A method is disclosed. The method includes obtaining value token image data associated with the image of the value token, the value token image data being derived from an image of the value token obtained from a scanning device. The method also includes initiating verification of the value token. The method may also include (i) providing a temporary use account identifier correlated with the value token; and sending the temporary use account identifier to a user; or (ii) increasing the value of a prepaid account.02-02-2012
20120024945Debit/Credit Card Device - A debit/credit card (chip card) having a body, storage element, at least one processor, a display element (LCD screen) and at least one touchpad, allowing a user to manually enter electronic information to be stored by the at least one storage element and displayed by the at least one display element, such that the at one display element displays the electronic information in the form of at least two credit and/or debit card transactions. A method of keeping track of a person's spending, the method involving providing a chip card, manually entering the electronic information; and viewing the electronic information on the at least one display element, the at least one display element displaying at least two credit and/or debit card transactions.02-02-2012
20130098994AUTOMATED BANKING MACHINE THAT OPERATES RESPONSIVE TO DATA READ FROM DATA BEARING RECORDS - An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.04-25-2013
20130206834SYSTEM AND METHOD FOR PROCESSING FUNDS TRANSFER BETWEEN ENTITIES BASED ON RECEIVED OPTICAL MACHINE READABLE IMAGE INFORMATION - A system and method for coordinating processing of a funds transfer transaction between a transaction requestor and a transaction responder over a communications network. The transaction system comprises receiving a funds amount, requestor identification information, and responder identification information, such that at least one of the funds amount, the requestor identification information, or the responder identification information is encoded in symbology information embodied in a barcode. The system also decodes the symbology information into unencoded information using a coding scheme of the barcode and generates a funds transfer request for the funds transfer transaction, such that the funds transfer request has content including the unencoded information decoded from the symbology information. The system also sends the funds transfer request to a transaction processing system for subsequent settlement, as well as receives transaction confirmation messages.08-15-2013

Patent applications in class Banking systems