| 6092055 |
Method and apparatus for providing a clean accounting close for a real time billing system |
| Jul-18-2000 |
A real time billing system for accounts that locks out transaction events when the billing process is underway is provided. When a transaction event is received that should be posted to an account during... |
| 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... |
| 6078907 |
Method and system for electronically presenting and paying bills |
| Jun-20-2000 |
A system and method for preparing and electronically delivering a bill to a billed party. The method may comprise receiving from a billing party an electronic bill file, preparing a redacted bill file... |
| 6078898 |
System and method of transactional taxation using secure stored data devices |
| Jun-20-2000 |
A system for transactional taxation includes a secure stored data device, such as a smart card, having means for storing purchaser-specific data, an interface device for communicating with the secure stored... |
| 6073119 |
Method and system for banking institution interactive center |
| Jun-6-2000 |
This invention generally relates to a banking facility layout and a method and system for networked customer and other user interaction with a variety of functions. These functions include access to networks,... |
| 6058382 |
Electronic money holding device utilizing an automatic payment method |
| May-2-2000 |
An electronic money holding device has a first storage unit for storing a uniquely assigned identification number and an amount of held electronic money, a processor for controlling the reference to and... |
| 6049782 |
Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution |
| Apr-11-2000 |
A system and process for use by a financial institution to facilitate relationship pricing in connection with a single account that includes a plurality of account components, including a checking component,... |
| 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... |
| 6038549 |
Portable 1-way wireless financial messaging unit |
| Mar-14-2000 |
A secure messaging system including a secure messaging system controller (1100) and a first financial messaging unit (906). A user initiates a financial transaction by providing a transaction authentication... |
| 6032136 |
Customer activated multi-value (CAM) card |
| Feb-29-2000 |
The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated... |
| 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... |
| 6023684 |
Three tier financial transaction system with cache memory |
| Feb-8-2000 |
A three tier financial transaction system having a local data memory is disclosed. The three tier system includes a client interface, an application service, a host interface, and a local data memory.... |
| 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... |
| 6018723 |
Method and apparatus for pattern generation |
| Jan-25-2000 |
Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data into a financial data... |
| 6016476 |
Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security |
| Jan-18-2000 |
The present invention is a portable client PDA with a touch screen or other equivalent user interface and having a microphone and local central processing unit (CPU) for processing voice commands and for... |
| 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),... |
| 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),... |
| 5999624 |
Remote financial transaction system |
| Dec-7-1999 |
An apparatus and method for performing remote financial transactions over an interactive network using a user operated payment module such as an initialized remote control device. The secure remote financial... |
| 5991749 |
Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities |
| Nov-23-1999 |
The following procedures describe the use of cellular telephones and other analog or digital wireless communication devices to conduct transactions and activities. These procedures effectively allow such... |
| 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... |
| 5987434 |
Apparatus and method for transacting marketing and sales of financial products |
| Nov-16-1999 |
An apparatus and method which use client information to automatically select and present financial products appropriate for the client. The apparatus according to one aspect includes an input device for... |
| 5983206 |
Computer system and computer-implemented process for implementing a mortgage partnership |
| Nov-9-1999 |
A computer system and computer-implemented process creates single mortgage documents with multi-part obligations. The obligations allow for financing of real property ownership through a combination of... |
| 5978485 |
Foreign exchange transaction system |
| Nov-2-1999 |
A realtime multilateral foreign exchange settlement system having a computer implemented netting system, a processor-based multilateral settlement coordinator (MSC) having a first money module and a first... |
| 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... |
| 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... |
| 5949880 |
Transfer of valuable information between a secure module and another module |
| Sep-7-1999 |
The present invention relates to system, apparatus and method for communicating valuable data from a portable module to another module via an electronic device. More specifically, the disclosed system,... |
| 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... |
| 5920848 |
Method and system for using intelligent agents for financial transactions, services, accounting, and advice |
| Jul-6-1999 |
The present invention relates to the use of computerized intelligent agents to facilitate the integration of networked performance of financial transactions with computerized methods of financial accounting.... |
| 5903881 |
Personal online banking with integrated online statement and checkbook user interface |
| May-11-1999 |
A software product, computer implemented method, and system provide an integrated user interface having three simultaneously displayed items of information, including a list of transaction instructions,... |
| 5902983 |
Preset amount electronic funds transfer system for gaming machines |
| May-11-1999 |
A gaming machine includes apparatus necessary to send requests to and receive authorizations from an EFT system. All such requests for credit are limited to a preset amount, so that when a player uses... |
| 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... |
| 5895456 |
Onboard currency and value card exchanger |
| Apr-20-1999 |
A system, and corresponding method for its use, for performing various monetary transactions in a vehicle such as an aircraft, including exchanging one currency for another, obtaining currency using traveler's... |
| 5895455 |
Document image display system and method |
| Apr-20-1999 |
A method for providing user access to a selected group of document images. A user-selected set of image properties may be specified so that each image in the group of images is presented for viewing with... |
| 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... |
| 5872844 |
System and method for detecting fraudulent expenditure of transferable electronic assets |
| Feb-16-1999 |
An electronic asset system includes tamper-resistant electronic wallets that store transferable electronic assets. To break such tamper-resistant wallets, the criminal is expected to spend an initial investment... |
| 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... |
| 5835603 |
Financial transaction system |
| Nov-10-1998 |
A home banking system comprises a video games entertainment console 10 having a processor 12, a display driver 14, connection means 16 for connection to a television set 17, and an input/output device... |
| 5825856 |
Interactive voice response system for banking by telephone |
| Oct-20-1998 |
An interactive voice response system provides voice prompts that supply information to a user, request data from the user, and present the user with a plurality of selectable options. The user can first... |
| 5819236 |
System and method for providing advance notification of potential presentment returns due to account restrictions |
| Oct-6-1998 |
An electronic system and method for providing advance notification of a potential return that may occur when a presenting financial institution ("FI") eventually presents an item for payment to a paying... |
| 5809480 |
Automated, secure inter authority settlement method and system for electronic toll collection |
| Sep-15-1998 |
Electronic toll collection will eventually become standardized on the nation's toll roads making possible non-stop toll payments to many different toll Authorities from a single in-vehicle-device. Such... |
| 5799288 |
Remaining money management system with cash demand prediction |
| Aug-25-1998 |
The invention provides a remaining money management system which can predict and manage a demanded cash amount for an ATM. The remaining money management system includes one or more automatic cash transaction... |
| 5787403 |
Bank-centric service platform, network and system |
| Jul-28-1998 |
A banking service platform is provided that enables bank-centric access and control by a customer at a remote location of financial information, products and services maintained by a bank at a central... |
| 5774553 |
Foreign exchange transaction system |
| Jun-30-1998 |
A realtime multilateral foreign exchange settlement system having a computer implemented netting system, a processor-based multilateral settlement coordinator (MSC) having a first money module and a first... |
| 5752239 |
Self-service device with an animated user interface to assist the operator to effect a transaction |
| May-12-1998 |
A self-service device in the form of a terminal (10) has a display screen (12) on which a sprite (70) such as a human character is caused to appear. In response to operation by a user of a joystick or... |
| 5710889 |
Interface device for electronically integrating global financial services |
| Jan-20-1998 |
An interface device for electronically integrating a plurality of financial services provided at different geographical locations and in different time zones, and delivering such services directly to a... |
| 5696909 |
Virtual POS terminal |
| Dec-9-1997 |
The present invention includes the hardware and software necessary to perform virtually any volume of complex transactions, and particularly a large volume thereof, is disposed in a central Application... |
