| 7028886 |
Method and system for duplicate commercial paper detection |
| Apr-18-2006 |
In one embodiment, software for detecting duplicate commercial paper transactions is operable to identify a check identification code, such as a Magnetic Ink Character Recognition (MICR) code, from a commercial... |
| 7016876 |
System and method for utilizing an exclusion list database for casinos |
| Mar-21-2006 |
The invention relates to a system and method of providing casinos an electronic means of accessing a database identifying individuals listed on a gambler's exclusion list created by a state's gaming commission.... |
| 7004382 |
Payment validation network |
| Feb-28-2006 |
A payment validation network having network of payment validation cells, each of which includes: one or more local qualifier systems for assessing the risk of loss in accepting a check; a service finder... |
| 7004381 |
Cash dispensing machine |
| Feb-28-2006 |
A cash dispensing machine includes a validation unit 13 for validating cash inserted through an insertion slot 8, a detachable storage unit 30 for storing cash validated by the validation... |
| 6985617 |
Method and system for emulating a check sorter |
| Jan-10-2006 |
A method for communicating between a check processing system and a non-compatible check sorter is provided that includes accessing a MICR buffer for the check sorter. The MICR buffer comprises MICR data... |
| 6965882 |
Method and system for seeking bids |
| Nov-15-2005 |
Methods and systems are disclosed which relate to seeking auction bids via interface surfaces printed with information and coded data. The coded data, encoded visibly or invisibly, may be queried by an... |
| 6932268 |
Dual mode credit card based payment technique |
| Aug-23-2005 |
A technique for directing a credit card based payment to a payee for a payor having a credit card issued by a credit card issuer is provided. A request for a payment service provider to make a payment... |
| 6911133 |
Automated system for issuing and managing offence tickets |
| Jun-28-2005 |
The invention concerns a system for issuing and managing offence tickets comprising a portable input device provided to the policeman for recording therein data concerning the contravening vehicle, a ticket... |
| 6902105 |
Negotiable instrument processing device, negotiable instrument processing method and negotiable instrument processing system |
| Jun-7-2005 |
The size of image data for a check or other negotiable instrument used for electronically clearing payments made by such negotiable instruments is reduced. A scanning process setup command received from... |
| 6898598 |
Smart receipt |
| May-24-2005 |
A method, program, and system for processing electronic receipts within a computer network are provided. The present invention comprises creating a customer profile for a user using a Smart Receipt application.... |
| 6879964 |
Investment company that issues a class of conventional shares and a class of exchange-traded shares in the same fund |
| Apr-12-2005 |
An investment company is administered by issuing one or more classes of shares that are bought from and redeemed with the company at a net asset value, issuing one or more classes of shares that are listed... |
| 6870947 |
Method of processing items in a check processing system and an apparatus therefor |
| Mar-22-2005 |
A method of processing a deposit slip item in a check processing system comprises the steps of (a) capturing an image of the deposit slip item, (b) extracting account owner data from the captured image... |
| 6863214 |
Image enabled reject repair for check processing capture |
| Mar-8-2005 |
A method and apparatus for processing a plurality of financial documents, comprising, a document processor, wherein, for each financial document, the document processor captures data encoded on the financial... |
| 6850926 |
Data processing apparatus, data processing method, and recording medium |
| Feb-1-2005 |
A data processing system providing a result of filtering an item desired by an individual user. On receipt of a request from a user terminal for executing a process of filtering a predetermined item, a... |
| 6845366 |
Method of processing a check and an apparatus therefor |
| Jan-18-2005 |
A device captures an image of a check having a payee and/or a payor field. Payee data and/or payor data contained in the payee field and/or the payor field is extracted from the captured image. Extracted... |
| 6816608 |
Storing information recorded as part of a financial transaction with a quantity of data stored determined by a monetary value of the transaction |
| Nov-9-2004 |
A point of sale terminal includes an input device, for reading information to be stored as part of a financial transaction, and a storage device in which data derived from the information is stored, with... |
| 6783062 |
System for inhibiting fraud in relation to the use of negotiable instruments |
| Aug-31-2004 |
The invention relates to a system for inhibiting fraud in relation to the use of negotiable instruments and, particularly, in relation to cheques and credit cards. The system requires the owners of cheques... |
| 6769615 |
Multi-pass merge process for the check processing control system |
| Aug-3-2004 |
In a check processing system, a multi-pass merging process is used to compare the originally scanned check data with subsequently scanned check data in a repetitive manner according to multiple match profiles.... |
| 6760710 |
Process and products produced thereby, apparatus, and articles of manufacture, for computerized conversion of preferred-return instruments |
| Jul-6-2004 |
An improved process for the computerized conversion of preferred-return constant-dollar financial instruments into equivalent nominal-dollar instrument. The method includes providing a first digital electrical... |
| 6758395 |
Self-service terminal |
| Jul-6-2004 |
A self-service terminal (10) comprising a fascia (12) having a document entry/exit slot (56), and a document processing module (60) for processing documents entered via the slot (56) is described. The... |
| 6748102 |
Document alteration indicating system and method |
| Jun-8-2004 |
A system and method for detecting alteration of a document. The invention evaluates markings in half-tone fields by ascertaining a first dot count of dots isolated from the marking in the half-tone field... |
| 6731786 |
Document processing method and system |
| May-4-2004 |
A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past a full image... |
| 6704714 |
Virtual private lock box |
| Mar-9-2004 |
A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account,... |
| 6697512 |
Method of printing MICR encoded negotiable instruments such as checks/drafts from facsimile transmitted checks |
| Feb-24-2004 |
An improved method for accurately and correctly encoding and printing complete checks on blank paper sheets from graphic check images. The method includes inputting into a computer a graphic image of a... |
| 6676310 |
Check writing system and method |
| Jan-13-2004 |
The present disclosure relates to a system and method for facilitating the writing of checks. In some arrangements, the system and methods pertain to receiving data to be included in a check to be printed... |
| 6661910 |
Network for transporting and processing images in real time |
| Dec-9-2003 |
An image processing network for processing image files and coupled to an outside data communication network comprising a plurality of remote image capture units, the units scanning documents and creating... |
| 6659353 |
Method of checking authenticity of sheet with built-in electronic circuit chip |
| Dec-9-2003 |
A method of checking sheets as to forgery thereof, the sheet being provided with an electronic circuit chip from which information can be read out or written and having visible information. The method... |
| 6647376 |
System and method for point-of-sale check authorization |
| Nov-11-2003 |
A point-of-sale check authorization method inputs transaction and financial institution information from a check to be authorized. This information is communicated to a merchant processor operable to make... |
| 6647136 |
Automated check processing system and method |
| Nov-11-2003 |
A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past a full image... |
| 6609113 |
Method and system for processing internet payments using the electronic funds transfer network |
| Aug-19-2003 |
A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account,... |
| 6581043 |
Routing number variable and indexes |
| Jun-17-2003 |
The invention involves a system and a method of using a bank routing number having a predetermined return rate stored in a database of a plurality of bank routing numbers, each having an associated return... |
| 6477263 |
Method of controlling a printed object |
| Nov-5-2002 |
A method of controlling an object having a first and a second print executed at different stages, the method providing for acquiring an image of the object; calculating a relative deviation between the... |
| 6464134 |
System and method for verifying the authenticity of a check and authorizing payment thereof |
| Oct-15-2002 |
A system and method for verifying the authenticity of a bank check and authorizing payment of the bank check at any of a plurality of banks or check cashing agencies, wherein a payor or issuer of the check... |
| 6456984 |
Method and system for providing temporary credit authorizations |
| Sep-24-2002 |
A method and system are provided for issuing credit as payment in a consumer transaction which eliminates the need for a traditional credit card while also minimizing any potential for fraud or theft.... |
| 6449684 |
Data carrying device and systems for use therewith |
| Sep-10-2002 |
A data carrying device having a memory space (1) for storing data at a plurality of locations. The memory space includes a static area (2) residing at a fixed location; an index area residing at a first... |
| 6438433 |
Financial document processing system and method of operating a financial document processing system |
| Aug-20-2002 |
A financial document processing system comprises a memory for storing (i) an executable transport application program, and (ii) a transport configuration set of parameters which is representative of at... |
| 6411938 |
Client-server online payroll processing |
| Jun-25-2002 |
Online client-server payroll processing is provided by a client computer executing a combined accounting and payroll software product that administers both financial accounting functions (e.g., various... |
| 6393405 |
Beneficial settlement method and storage media |
| May-21-2002 |
This invention pertains to a method of calculating payout ratios in a financial transaction in which a chronically ill individual sells a portion of his life insurance proceeds in exchange for an investor... |
| 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... |
| 6338049 |
User-generated traveler's checks |
| Jan-8-2002 |
A system and method for issuing travelers checks at a user's home or business using the purchaser's own computer system to allow the user to obtain travelers checks at any time, in any denominations and... |
| 6328207 |
Method and apparatus for automated cashing of checks |
| Dec-11-2001 |
A customer at an enrollment section (12) uses a self-dial telephone (14) to make a toll-free call to a customer service operator at a workstation (26). The operator activates a check-cashing card (18)... |
| 6317745 |
Trusted third party data structure for electronic funds transfer and bill presentment |
| Nov-13-2001 |
A funds transfer system for facilitating electronic funds transfer between a payor and a payee by means of an intermediate trusted third party comprises: a payor station including a device for electronic... |
| 6301567 |
Lockbox browser system |
| Oct-9-2001 |
A method of providing information regarding lockbox receipts to a customer having a lockbox account, the method comprising the steps of: having alert criteria containing alert conditions selected by the... |
| 6301379 |
Electronic check presentment systems and methods employing volatile memory datastore access techniques |
| Oct-9-2001 |
A subsystem and method, employed within an electronic check presentment ("ECP") system and executable on a computer system having volatile and nonvolatile memory and a processor coupled thereto. The subsystem... |
| 6292711 |
Document dispenser companion document data downloading |
| Sep-18-2001 |
A document dispensing system comprising a companion document data transfer device and a document dispenser having a document variables data input terminal, a document printer, a digital data input port... |
| 6282523 |
Method and apparatus for processing checks to reserve funds |
| Aug-28-2001 |
A bank device communicates with an account holder device, such as a telephone or computer operated by the account holder. The bank device receives therefrom check data that includes an account identifier,... |
| 6246925 |
Computerized manual mail distribution method and apparatus |
| Jun-12-2001 |
A manually operated mail sorting station includes a case having numerous bins in which sorted mail will be placed. The mail sorting station also includes a scanner that reads an address printed on the... |
| 6243620 |
Computerized manual mail distribution method and apparatus with feeder belt system |
| Jun-5-2001 |
A manually operated mail sorting station includes a case having numerous bins in which sorted mail will be placed. The mail sorting station includes a feeder belt system with a feeder belt a motor driving... |
| 6189785 |
Demand deposit account data processing system |
| Feb-20-2001 |
A demand deposit account data processing system is provided that allows merchants to settle transactions on line and in real time and that automatically processes transactions in a number of exception... |
| 6181814 |
Check fraud detection techniques using encrypted payee information |
| Jan-30-2001 |
A system and method for detecting and thus preventing check fraud utilizing a digital computer with image capture and interpretation systems. The system converts the payee information, issue date and the... |
