| 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... |
| 6578760 |
Check cashing at automated teller machines |
| Jun-17-2003 |
A self-service kiosk for cashing checks. A kiosk, such as an Automated Teller Machine (ATM) receives a bank check from a customer. After identifying the customer and verifying the check, the kiosk delivers... |
| 6578015 |
Methods, devices and systems for electronic bill presentment and payment |
| Jun-10-2003 |
A computer-implemented method of presenting an electronic bill from a biller to a customer over a computer network includes steps of receiving biller-originated bill data and bill format data over the... |
| 6567791 |
Method and apparatus for a verifiable on line rejection of an application for credit |
| May-20-2003 |
A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant. The method includes obtaining a factor from a credit bureau identified as a factor... |
| 6554184 |
Automatic instant money transfer machine |
| Apr-29-2003 |
The Instant Money-Automatic Transfer Machine system (Aunty IM) is a multiplicity of devices on a communications network available 24 hours a day, as sender, receiver and dispenser of funds interchangeably.... |
| 6505178 |
Automatic teller machine with secure variable storage for internet applications |
| Jan-7-2003 |
A memory controller component (10, 30, 40) for an Internet application such as a bank, airline or supermarket web site is disclosed. The component is instantiated from a web page in the application and... |
| 6505177 |
Automated banking machine apparatus and system |
| Jan-7-2003 |
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... |
| 6470326 |
Automated banking machine apparatus and system |
| Oct-22-2002 |
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... |
| 6470325 |
Method and data processing system for managing a mutual fund brokerage |
| Oct-22-2002 |
The invention provides a method of managing a mutual fund brokerage wherein subscribers, intending to purchase mutual fund portions in at least one mutual fund, enter into a service contract with the mutual... |
| 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.... |
| 6439456 |
Method for transferring money |
| Aug-27-2002 |
A method for transferring money is described. This method can include providing a cash card having stored thereon an amount of money; making a telephone call to a predetermined telephone number using the... |
| 6431443 |
Overloaded card information display |
| Aug-13-2002 |
A card structure provides an existing card having an associated card service and further having at least one associated service of at least one other card that is used by a card user. A display is coupled... |
| 6427909 |
System and method for overloading an existing card |
| Aug-6-2002 |
A system and method of providing and using an overloaded card with overloaded card services. A card terminal reads a host card, and a server system determines whether or not to overload the host card with... |
| 6418418 |
Transaction information processing system |
| Jul-9-2002 |
An information processing system for transactions by telephone of the present invention comprises a receiving terminal, operated by an operator, for inputting information from a customer taken over a telephone,... |
| 6405182 |
System for dispensing prepaid debit cards through point-of-sale terminals |
| Jun-11-2002 |
Point-of-Sale machines that allow individuals to obtain from participating merchants, "over-the-counter", prepaid debit cards. The amount of the line of credit is determined from the amount prepaid and... |
| 6385652 |
Customer access solutions architecture |
| May-7-2002 |
The present invention provides systems and methods for electronically delivering banking services to end clients and, more particularly, using Internet based technologies as a means of exposing those services.... |
| 6363364 |
Interactive system for and method of performing financial transactions from a user base |
| Mar-26-2002 |
There is disclosed and claimed a system for and a method of performing interactive data exchange, for example as part of a financial transaction, between a user base and a remote network. The system includes... |
| 6354490 |
Integrated full service consumer banking system and system and method for opening an account |
| Mar-12-2002 |
An integrated financial system that includes a single customer account that permits a customer to perform various financial transactions. The account includes at least banking components and brokerage... |
| 6351739 |
Internet billing method |
| Feb-26-2002 |
An Internet billing method comprises establishing an agreement between an Internet access provider and a customer, and an agreement between the Internet access provider and a vendor, wherein the Internet... |
| 6349290 |
Automated system and method for customized and personalized presentation of products and services of a financial institution |
| Feb-19-2002 |
An automated system and method for presenting both interactive and proactive customized and personalized advice for a customer by a financial institution is based on a sophisticated customer profile generated... |
| 6345263 |
Electronic purse application system and method thereof |
| Feb-5-2002 |
An IC card arrangement wherein information which is the standard for transaction conditions such as amount information in an IC card is registered within the IC card, and further included is additional... |
| 6339766 |
Electronic payment system employing limited-use account number |
| Jan-15-2002 |
Methods and systems for enabling an account holder to authorize the transfer of funds from an account using a limited-use account number. An account issuer establishes an account for the account holder... |
| 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... |
| 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... |
| 6298335 |
Method of controlling payment of debts |
| Oct-2-2001 |
A method and apparatus are provided for executing payment of a debt by a person to a payee. The method includes the steps of negotiating payment terms with the payee and entering the negotiated payment... |
| 6298334 |
Object-based numeric-analysis engine |
| Oct-2-2001 |
A method implemented in a computer system for dynamically analyzing the status of a numeric system wherein the numeric system which includes one or more numeric objects such as inflow objects, outflow... |
| 6292789 |
Method and system for bill presentment and payment |
| Sep-18-2001 |
A method and system for presentment of bills on a computer network includes a biller account hosted on a server of a bill service provider for receiving a bill file from a biller that includes bill data.... |
| 6292211 |
Computer-aided telecommunication system and method |
| Sep-18-2001 |
A computer-aided telecommunication system and method which uses an Internet web site and at least two computers to permit people located remotely from one another, and who may be unskilled in computer... |
| 6289322 |
Electronic bill processing |
| Sep-11-2001 |
A method of electronically presenting billing information, includes receiving billing information associated with a plurality of different billers, different portions of which represent bills for different... |
| 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,... |
| 6269348 |
Tokenless biometric electronic debit and credit transactions |
| Jul-31-2001 |
The invention satisfies these needs by providing a method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic third party identicator and at... |
| 6246999 |
Financial services account manager system |
| Jun-12-2001 |
A method of reporting accounting information to acquiring banks includes compiling accounting information from different processing systems to a mainframe. The accounting information is then routed to... |
| 6223983 |
Interactive point access financial and information system |
| May-1-2001 |
The invention relates to a remote interactive point access banking and information system. Particularly, the invention discloses an integrated set of platforms presenting various service and transaction... |
| 6222536 |
Method and apparatus for providing a number of subscribers with on-line banking service employing a plurality of bank systems |
| Apr-24-2001 |
A relay server system for providing banking services to the subscriber comprises: a subscriber coupling unit, connected to subscriber terminals, for performing a protocol conversion process; a data storage... |
| 6216115 |
Method for multi-directional consumer purchasing, selling, and transaction management |
| Apr-10-2001 |
An integrated credit card data processing method that allows transactions to be processed either as a payment or as a receipt of payment. The new process is a combination of the regular data processing... |
| 6206283 |
Method and apparatus for transferring money via a telephone call |
| Mar-27-2001 |
An individual transfers money from a cash card (or the account that the cash card is tied to) by making a wireless phone call to another individual. A combination of a MONDEX style card with the individual... |
| 6205433 |
System and method for multi-currency transactions |
| Mar-20-2001 |
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... |
| 6202054 |
Method and system for remote delivery of retail banking services |
| Mar-13-2001 |
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... |
| 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... |
| 6173272 |
Electronic funds transfer method and system and bill presentment method and system |
| Jan-9-2001 |
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... |
| 6173269 |
Method and apparatus for executing electronic commercial transactions with minors |
| Jan-9-2001 |
A method and apparatus is provided for executing electronic transactions with teens, especially where such transactions are limited only to those vendors that have been approved by the teen's parents.... |
| 6161111 |
System and method for performing file-handling operations in a digital data processing system using an operating system-independent file map |
| Dec-12-2000 |
A file management system is disclosed for managing files stored on a mass storage subsystem in response to file management commands. The mass storage subsystem stores data on at least one storage device,... |
| 6131810 |
Integrated full service consumer banking system and system and method for opening an account |
| Oct-17-2000 |
An integrated financial system that includes a single customer account that permits a customer to perform various financial transactions. The account includes at least banking components and brokerage... |
| 6128603 |
Consumer-based system and method for managing and paying electronic billing statements |
| Oct-3-2000 |
A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification... |
| 6128602 |
Open-architecture system for real-time consolidation of information from multiple financial systems |
| Oct-3-2000 |
An open-architecture system automatically consolidates information from a plurality of financial systems into a single accounting system without the need for expensive and time-consuming backroom procedures.... |
| 6119104 |
Composite banking desktop system |
| Sep-12-2000 |
A multi-desktop computer system for a bank or other financial institution includes a plurality of functional desktop routines, each desktop operating on an identical "platform" of object-oriented routines.... |
| 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... |
| 6105007 |
Automatic financial account processing system |
| Aug-15-2000 |
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,... |
| 6105006 |
Transaction authentication for 1-way wireless financial messaging units |
| Aug-15-2000 |
A secure financial messaging unit (906) includes a wide area radio frequency receiver (804), a selective call decoder (1004), a financial transaction processor (1014), a main processor (1006), and a message... |
| 6094643 |
System for detecting counterfeit financial card fraud |
| Jul-25-2000 |
Counterfeit financial card fraud is detected based on the premise that the fraudulent activity will reflect itself in clustered groups of suspicious transactions. A system for detecting financial card... |
