| 6370240 |
ATM phone card system |
| Apr-9-2002 |
There is provided a method of dispensing telephone cards from automatic teller machines (ATM) and card constructions used therewith. Telephone time is apportioned to a number of sheetlets printed with... |
| 6367691 |
Automated transaction machine with mechanism for separating notes |
| Apr-9-2002 |
An automated transaction machine (10) includes a note receiving and dispensing mechanism (77). The mechanism includes a storage reel (66), a take-up reel (68) and a flexible web (70) extending between... |
| 6334117 |
Automated banking machine and system |
| Dec-25-2001 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as... |
| 6311165 |
Transaction processing systems |
| Oct-30-2001 |
A banking, retail or other transaction network can comprise a number of terminals, for example an ATM, where each terminal comprises a plurality of peripheral devices such as a user interface, card reader,... |
| 6304860 |
Automated debt payment system and method using ATM network |
| Oct-16-2001 |
An electronic funds transfer methodology for providing access to a plurality of non-bank loan payment processors (loan servicers) through established ATM (automated teller machine) networks, thereby creating... |
| 6289320 |
Automated banking machine apparatus and system |
| Sep-11-2001 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as... |
| 6272475 |
Apparatus and method for the secure dispensing of bank papers |
| Aug-7-2001 |
Apparatus and method for the secured dispensing of bank papers. A signed enable message contains an overall value of the bank papers to be dispensed. A verifier checks the signature and the overall value... |
| 6199754 |
Self-service terminal |
| Mar-13-2001 |
A self-service terminal such as an ATM (10) is co-located with a human-form recognition engine such as a camera (22) and appropriate software (23). If there is no user adjacent the ATM (10), the ATM screen... |
| 6167381 |
Self-service checkout terminal |
| Dec-26-2000 |
A self-service checkout terminal includes a base having a bagwell defined therein. The terminal also includes a first counter supported on the base. The first counter has a first surface which is positioned... |
| 6142371 |
Customer service apparatus, method and card, and computer readable record medium having customer service processing program recorded thereon |
| Nov-7-2000 |
An IC card has a built-in integrated circuit including a processor and a memory. The memory stores therein purchase history information having purchase results recorded on a genre-to-genre basis and premium... |
| 6122625 |
Apparatus and method for secure transacting |
| Sep-19-2000 |
An improved monetary system using electronic media to exchange economic value securely and reliably. The invention provides a complete monetary system having electronic money that is interchangeable with... |
| 6109522 |
Automated banking machine with self auditing capabilities and system |
| Aug-29-2000 |
An automated banking machine (10) identifies and stores in storage areas documents such as currency bills deposited by a user. The machine selectively recovers such documents from storage areas and dispenses... |
| 6105009 |
Automated teller machine dispenser of debit cards |
| Aug-15-2000 |
An automated machine for dispensing debit cards that includes an automated teller machine (ATM) with input and output capabilities and a dispenser for debit cards that include each one unique identification... |
| 6085177 |
Systems for accessing the internet and geo-defined data and associated methods |
| Jul-4-2000 |
The invention provides internet access through an automatic teller machine. A local processor interfaces with the machine's internal processor to facilitate communication to the World Wide Web. A communication... |
| 6081792 |
ATM and POS terminal and method of use thereof |
| Jun-27-2000 |
A method of providing money, goods, services or the like to an account-holder based on an account when the daily ATM limit set by a bank has been met, or when a debit or credit card PIN cannot be remembered.... |
| 6081791 |
Enhanced ATM for facilitating telephony access |
| Jun-27-2000 |
An improved, automated teller machine (ATM) for enhanced telephony access is provided. The ATM provides for conventional financial transactions with financial institutions as well as the purchase of prepaid... |
| 6076076 |
Prepaid print card system and method |
| Jun-13-2000 |
Prepaid printing services are obtained and provided using remote and host computers. A card or diskette for printing services is purchased and using a remote computer, the host computer is accessed by... |
| 6073120 |
Automatic dealing apparatus |
| Jun-6-2000 |
According to an automatic dealing apparatus of the present invention, a control unit causes a display device to display a dealing screen of a dealing corresponding to a request from a user. An operation... |
| 6061666 |
Automatic bank teller machine for the blind and visually impaired |
| May-9-2000 |
An automatic bank teller machine (ATM) that uses a combination of simple visual cues, large-type visual displays, audio, and a touch-sensitive display screen to facilitate use of the ATM by the blind and... |
| 6047261 |
Method and system for monitoring and enhancing computer-assisted performance |
| Apr-4-2000 |
A system and method is provided for monitoring and enhancing computer assisted performance. The method includes providing a user interface for a business terminal, measuring the performance of the user... |
| 6038553 |
Self service method of and system for cashing checks |
| Mar-14-2000 |
An automated self service method of and system for cashing checks, typically without human intervention. The system includes a check cashing database that contains customer records for registered customers.... |
| 6038552 |
Method and apparatus to process combined credit and debit card transactions |
| Mar-14-2000 |
A method and apparatus for executing a transaction using a credit card includes the steps of: maintaining a credit card account associated with the credit card, the credit card account having a credit... |
| 6032135 |
Electronic purse card value system terminal programming system and method |
| Feb-29-2000 |
An electronic purse card value system (10) includes terminal devices (12). Each terminal device includes a processor (26) which is in operative connection with a memory (28) and a modem (36). The terminal... |
| 6029153 |
Method and system for analyzing and handling the customer files of a financial institution |
| Feb-22-2000 |
A system and method for identifying and communicating the availability of additional products to at least one customer of a financial institution is disclosed. A processor analyses data about the customer... |
| 6023688 |
Transaction apparatus and method that identifies an authorized user by appearance and voice |
| Feb-8-2000 |
A financial transaction apparatus (30) includes a financial transaction machine (32). The machine includes devices (34) including transaction function devices (42, 44, 46, 48) for carrying out operations... |
| 6021400 |
Multi-stage transaction executed from multiple ATMs |
| Feb-1-2000 |
A system of ATMs wherein a customer can execute a complex transaction in stages, at different times, and perhaps at different ATMs. Considering a loan application as an example, a customer can supply part... |
| 6014649 |
ATM operation supporting system |
| Jan-11-2000 |
An ATM operation supporting system for managing the number of bills in a plurality of ATMs. The system includes a mobile cart, a counting section, and a control section. The mobile cart has a handling... |
| 6012050 |
Multi-transaction service system |
| Jan-4-2000 |
A customer (80) can request and receive a financial service through any of a number of channels (82,83,84,85,86,87), each connected to channel-specific hardware, respectively a digital telephone (92),... |
| 6012048 |
Automated banking system for dispensing money orders, wire transfer and bill payment |
| Jan-4-2000 |
An automated banking system for wire transfer of funds is provided with a machine where the user has a card to identify the user as being qualified to use the banking system. The user must know and be... |
| 6003019 |
Multi-transaction service system |
| Dec-14-1999 |
A customer (80) can request and receive a financial service through any of a number of channels (82,83,84,85,86,87), each connected to channel-specific hardware, respectively a digital telephone (92),... |
| 6002392 |
Method and apparatus for displaying information |
| Dec-14-1999 |
A signage display apparatus 6 is provided for use on a kiosk or automated teller machine 8 for displaying information concerning a service offered by the provider of the drive-through or teller machine... |
| 5995949 |
Automated transaction apparatus |
| Nov-30-1999 |
A process controller controls the information display of a display device and performs a transaction procedure based on the information input from the input device via the input controller. The process... |
| 5987439 |
Automated banking system for making change on a card or user account |
| Nov-16-1999 |
An unattended banking machine such as an ATM machine has a payment acceptor for accepting payment from the machine user and for determining the amount of payment from the user. A calculator determines... |
| 5983207 |
Electronic cash eliminating payment risk |
| Nov-9-1999 |
A system and method to allow gold to circulate as digital cash through the global computer network (Internet) and/or private communication networks much like cash currently circulates in the physical world.... |
| 5982918 |
Automatic funds processing system |
| Nov-9-1999 |
A funds processing system receives, dispenses, and sorts currency and substantially immediately furnishes an associated accounting system with data, including the value of the currency processed, in a... |
| 5963926 |
Computer implemented method, system and apparatus for processing various transactions using a plurality of transaction cards |
| Oct-5-1999 |
A method, apparatus and computer program for processing plural types of transactions by a transaction processor connected to plural companies of different industries via a network. Use of the invention... |
| 5963925 |
Electronic statement presentment system |
| Oct-5-1999 |
An electronic statement presentment (ESP) system replaces the preparation and mailing of paper statements and invoices from a biller with electronic delivery. Electronic statements have the same look as... |
| 5963647 |
Method and system for transferring funds from an account to an individual |
| Oct-5-1999 |
Disclosed is a system and method for transferring funds. The invention supports funds transfers from a source account to a cash access file which can be accessed virtually twenty-four hours a day by both... |
| 5940813 |
Process facility management matrix and system and method for performing batch, processing in an on-line environment |
| Aug-17-1999 |
A processing system and method receive batch payment data from a plurality of different sources, such as lock-boxes, an ATM or customer activated terminal, an enhanced telephone, a bank teller, or a personal... |
| 5940811 |
Closed loop financial transaction method and apparatus |
| Aug-17-1999 |
A method and apparatus for closed loop, automatic processing of typical financial transactions, including loans, setting up checking, savings and individual retirement accounts, obtaining cashier's checks,... |
| 5937396 |
System for ATM/ATM transfers |
| Aug-10-1999 |
A system is disclosed for transferring currency electronically between accounts. The system allows currency to be immediately transferred from a first account to a ATM. The first account can be accessed... |
| 5915246 |
Self-service system |
| Jun-22-1999 |
An automated teller machine (10) or a home banking system (32) is operated to provide, during the delays associated with authorizing and acting upon a user instruction, a sales presentation related to... |
| 5913203 |
System and method for pseudo cash transactions |
| Jun-15-1999 |
Totally anonymous or effectively anonymous cash-like transactions are accomplished by using a pseudo cash data package converter for inserting a user key into a pseudo cash preliminary data packet through... |
| 5897625 |
Automated document cashing system |
| Apr-27-1999 |
An automated document cashing system includes a reader for capturing an image of a negotiable instrument and recognizing the authorized signature as well as the amount written thereon. The system then... |
| 5897621 |
System and method for multi-currency transactions |
| Apr-27-1999 |
A system and method for determining approval of a multi-currency transaction between a customer and a merchant over a network. The system includes a customer computer which is connected to a communication... |
| 5878215 |
System and method for processing multiple electronic transaction requests |
| Mar-2-1999 |
The present invention provides for a system and method for processing multiple electronic messages in one transmission, or data group, and responding individually to the service requests based on urgency... |
| 5870724 |
Targeting advertising in a home retail banking delivery service |
| Feb-9-1999 |
A practical system and method for the remote distribution of financial services (e.g., home banking and bill-paying) involves distributing portable terminals to a user base. The terminals include a multi-line... |
| 5870721 |
System and method for real time loan approval |
| Feb-9-1999 |
A method and apparatus for closed loop, automatic processing a loan, including completion of the application, underwriting, and transferring funds, includes use of a programmed computer to interface with... |
| 5864830 |
Data processing method of configuring and monitoring a satellite spending card linked to a host credit card |
| Jan-26-1999 |
A data-processing method by which one or more prepaid satellite spending cards are configured and linked to a cardholder's host credit card or card account such that a predetermined available spending... |
| 5850217 |
Electronic funds transfer authorization system for generating a graphical receipt |
| Dec-15-1998 |
A graphical interface for a credit card authorization terminal. In a first embodiment of the present invention, the data transmission between the credit card authorization terminal and the receipt printer... |
