| 6154730 |
Facility-based financing system |
| Nov-28-2000 |
A system for employing the projected receipts of a public facility to finance the construction of the facility itself, or the acquisition of a team to play in the facility. A preferred system includes:... |
| 6124561 |
Parallel document buffer and method of buffering documents |
| Sep-26-2000 |
A parallel document buffer for holding a plurality of documents while recognition processing is performed on data captured from the documents. Information from each document in a document stream is captured,... |
| 6105011 |
Security system and method for business transactions with customers |
| Aug-15-2000 |
A security system and method by which customers may be readily identified prior to cashing of checks, other cash-out transactions, or other business transactions, wherein each customer is issued an individualized... |
| 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... |
| 6073121 |
Check fraud prevention system |
| Jun-6-2000 |
A method which improves check fraud prevention systems both in printing and verifying checks at their entry points. The method operates by printing on each issued check, a line of encrypted machine-only... |
| 6041315 |
Automated payment system and method |
| Mar-21-2000 |
A system and method of collecting payments uses an automated system to generate a draft, payable to the creditor and drawn on the payor's checking account, pursuant to the payor's authorization. The draft... |
| 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.... |
| 6036344 |
Secure check processing system and method |
| Mar-14-2000 |
An apparatus and a method for countering fraudulent check cashing schemes includes a central processing center that is connected to a plurality of banks through secure communication channels. Each check... |
| 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... |
| 6019282 |
System and method for commingling items destined for multiple payors in a single electronic pocket and financial infrastructure employing the same |
| Feb-1-2000 |
For use in a electronic presentment process wherein electronic items are transmitted from a presenting financial institution ("FI") through intermediaries to payor FIs, a system for, and method of, clearing... |
| 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... |
| 5987437 |
Method of improving assistance to an operator to balance an out-of-proof transaction and an apparatus therefor |
| Nov-16-1999 |
Improved assistance is provided to an operator to balance an out-of-proof transaction at a balancing workstation of an image-based financial document processing system used to process transaction items... |
| 5966698 |
Automated payment system and method |
| Oct-12-1999 |
A system and method of collecting payments uses an automated system to generate a draft, payable to the creditor and drawn on the payor's checking account, pursuant to the payor's authorization. The draft... |
| 5953702 |
Computerized comprehensive document audit |
| Sep-14-1999 |
A comprehensive document audit system and a process for generating document field reports utilizing a computer programmed to sort document data indicative of the characteristics of a group of selected... |
| 5940844 |
Method and apparatus for displaying electronic image of a check |
| Aug-17-1999 |
A method and apparatus for storing and retrieving images of documents, e.g. checks. The method comprises placing a plurality of documents in a document imaging machine and forming an electronic image of... |
| 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... |
| 5930778 |
System for expediting the clearing of financial instruments and coordinating the same with invoice processing at the point of receipt |
| Jul-27-1999 |
A system and process are described for effecting the expedited submission into the payment system for collection of funds represented by financial instruments that are received by a payee at an item capture... |
| 5920847 |
Electronic bill pay system |
| Jul-6-1999 |
A bill pay system wherein participating consumers pay bills to participating billers through a payment network operating according to preset rules. The participating consumers receive bills from participating... |
| 5909673 |
Method and system for creating site specific coupons at a plurality of remote locations which are controlled by a central office |
| Jun-1-1999 |
A central server at a home office is connected to remote processing stations at multiple remote sites such as convenience stores. The remote processing station is used to create and print various financial... |
| 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... |
| 5895902 |
Method of contributions management, and device and networks therefor |
| Apr-20-1999 |
A method, apparatus and network for successively making contribution data inputs by a multiplicity of individual contributors in sequence is provided. The apparatus includes a portable, self-powered, contributor... |
| 5890141 |
Check alteration detection system and method |
| Mar-30-1999 |
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... |
| 5884290 |
Method of transferring funds employing a three-node real-time electronic interlock |
| Mar-16-1999 |
A method of transferring funds electronically, is performed by a group of N computers X(1) thru X(N) which are intercoupled to each other, and to another computer Y, by a communication channel. Each computer... |
| 5870725 |
High volume financial image media creation and display system and method |
| Feb-9-1999 |
An apparatus and method for high volume, and high speed, financial image creation and manipulation. Images of cleared checks are captured and combined with MICR data and customer supplied account history.... |
| 5832464 |
System and method for efficiently processing payments via check and electronic funds transfer |
| Nov-3-1998 |
The present invention relates to the field of identity verification. Specifically, the invention is directed to a device and method for facilitating signature-less financial transactions as an improvement... |
| 5832463 |
Automated system and method for checkless check transaction |
| Nov-3-1998 |
The automated improved check processing system and method includes a data entry device (200, 202) for receiving checking account information (304, 306, 308) and a check amount (302) of a check (210, 300)... |
| 5812989 |
Image statement preparation by work flow management using statement cycles and statement interactive sessions |
| Sep-22-1998 |
An image statements preparation process and system uses a profile management facility for assigning system management profiles including statement group cycle profiles to group multiple statements according... |
| 5787405 |
Method and system for creating financial instruments at a plurality of remote locations which are controlled by a central office |
| Jul-28-1998 |
In the present invention, utilizing a data processing system at one location such as the home office, and another data processing system at a remote location such as a convenience store, an authorized... |
| 5781654 |
Check authentication system utilizing payee information |
| Jul-14-1998 |
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... |
| 5692906 |
Method of diagnosing and remediating a deficiency in communications skills |
| Dec-2-1997 |
A method of identifying strengths and weaknesses in a student's ability to use their sensory channels which integrates five basic processes into a series of testing procedures. First, the nature of the... |
| 5689579 |
Rule-based circuit, method and system for performing item level reconciliation |
| Nov-18-1997 |
A reconciling circuit for, and method of, reconciling a first database with a second database, the first database containing first item data arranged in records and fields, the second database containing... |
| 5684965 |
Automated billing consolidation system and method |
| Nov-4-1997 |
An automated method and system for consolidating a plurality of individual company charges for a customer with different periodic company billing and payment due dates is provided. Under the system, companies... |
| 5630073 |
Personal account tracking system |
| May-13-1997 |
A system including both apparatus and a method enables individuals and small businesses to use checks and deposit slips for the purpose of tracking specific expenditures, income, assets, and liability... |
| 5592377 |
Check cashing system |
| Jan-7-1997 |
An automated check cashing system comprising a customer station, an operator station, and means for enabling two-way communication between them. The customer station includes a cash dispenser. Means are... |
| 5583759 |
Mechanism for expediting the deposit, transport and submission of checks into the payment system |
| Dec-10-1996 |
A mechanism and process for effecting the expedited deposit, settlement and submission into the payment system for collection of funds represented by tangible financial instruments that are received by... |
| 5544043 |
Check processing equipment |
| Aug-6-1996 |
A check processing equipment having an optical amount character recognizing function for a proof machine used at a bank. A received amount can be corrected on an image screen, and it enables the efficient... |
| 5532464 |
Electronic check presentment system having a return item notification system incorporated therein |
| Jul-2-1996 |
An Improved Electronic Check Presentment System Having a Return Item Notification System Incorporated Therein provides banks with a fully automated capability to receive early notification of checks that... |
| 5504677 |
Automated payment system |
| Apr-2-1996 |
A system and method of collecting payments uses an automated system to generate a draft, payable to the creditor and drawn on the payor's checking account, pursuant to the payor's authorization. The draft... |
| 5491325 |
Method and system for payment and payment verification |
| Feb-13-1996 |
A payment verification method and system includes the imprinting of code indicia, such as a bar code, on the face of a payment document, such as a stock certificate, check, or note. The bar code and a... |
| 5477037 |
Financial document dispensing apparatus and method |
| Dec-19-1995 |
A dispenser produces negotiable money orders, traveler's checks, and the like at remote locations and prints the check amount on the check while also printing summary data of a day's activities on a blank... |
| 5457305 |
Distributed on-line money access card transaction processing system |
| Oct-10-1995 |
A distributed on-line transaction processing system (10) that functions with to any existing credit card and debit bank card processing center (18). The system (10) consists of a customer data-input station... |
| 5444794 |
Check image capture system |
| Aug-22-1995 |
A check image capture system processes on-us and transit checks to achieve significant cost savings and efficiencies. The check image capture system includes an image pickup device 30, teller personal... |
| 5412190 |
Electronic check presentment system having a return item notification system incorporated therein |
| May-2-1995 |
An Improved Electronic Check Presentment System Having a Return Item Notification System Incorporated Therein provides banks with a fully automated capability to receive early notification of checks that... |
| 5393963 |
Check authorization system and process |
| Feb-28-1995 |
A check authorization system and process that provides an issuing company to control all aspects of the check authorization, including the issuing of transaction authorization, the transaction approval,... |
| 5383113 |
System and method for electronically providing customer services including payment of bills, financial analysis and loans |
| Jan-17-1995 |
A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications; means to pay various bills without the consumer having to... |
| 5373550 |
Transmission of check images by way of a public switched telephone network |
| Dec-13-1994 |
Checks used to effectuate commercial and private transactions may be cleared through the banking system by transporting images of those checks between sending institutions and receiving institutions in... |
| 5372436 |
Typewriter having a check printing function |
| Dec-13-1994 |
A typewriter having a check printing function includes a keyboard for inputting various character data and commands, a display for displaying the character data input from the keyboard, a printing mechanism... |
| 5349170 |
Image-based document processing system providing enhanced transaction balancing |
| Sep-20-1994 |
A method which provides for handling misplaced transaction documents in an image based transaction processing system which performs transaction balancing. A preferred form of the method provides for displaying... |
| 5341290 |
Modular system for printing and processing financial documents |
| Aug-23-1994 |
A financial system for processing and printing financial documents takes the form of a professional financial workstation capable of multiple system tasks including financial applications, security operations,... |
| 5321238 |
Banking apparatus for processing the bill and the check |
| Jun-14-1994 |
A terminal banking apparatus for processing bills and checks includes an input apparatus for inputting the number of each account and the amount of bills or checks at a front counter of a bank, a tentative... |
