| 6856969 |
Bi-currency debt contract system and procedure |
| Feb-15-2005 |
A bi-currency debt contract system for making secure debts and including guidelines and an associated procedure particularly adaptable for issuing debt of a hard or stabilized currency, such as but not... |
| 6839687 |
Consumer-based system and method for managing and paying electronic billing statements |
| Jan-4-2005 |
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... |
| 6618708 |
Processing system for charge request data |
| Sep-9-2003 |
A processing system for charge request data issued from a charge requesting organization performs collective processing of the request data without generating payment slips. This system includes filter... |
| 6553346 |
Conditional purchase offer (CPO) management system for packages |
| Apr-22-2003 |
A conditional purchase offer (CPO) management system for receiving and processing CPOs for packages of component goods or services. The package CPO management system preferably deconstructs an overall... |
| 6438696 |
Security monitoring arrangement for a computer system |
| Aug-20-2002 |
An electronic point-of-sale (PoS) system comprises a network with a number of PoS terminals and a PoS server computer attached to it. The PoS terminals and the PoS server interact over the network to perform... |
| 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.... |
| 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... |
| 6065672 |
Method for currency distribution and management |
| May-23-2000 |
A method for currency management and tracking utilizing a unique standardized cassette for the transportation of note bundles and loading of note bundles into currency processing apparatus, the cassette... |
| 6062480 |
Hot docking system and methods for detecting and managing hot docking of bus cards |
| May-16-2000 |
A hot docking system and method for managing and detecting hot docking of bus cards. The hot docking system detects the load impedance at the power pins of the bus connector to determine whether a card... |
| 6042002 |
Holding apparatus for a plurality of IC cards facilitating transactions of electronic money among the IC cards |
| Mar-28-2000 |
In a value box in an electronic money system with a high reliability which is excellent in usage efficiency and maintenance, a front door and a rear door are provided before and after a main body portion... |
| 6032857 |
Electronic money system |
| Mar-7-2000 |
An electronic money system has an IC card for electronic money having a memory for maintaining money deposit and money debit information and another memory, such as an EPROM, for storing transaction data,... |
| 5939695 |
Product identification system using hand-held customer assistant unit with a code reader |
| Aug-17-1999 |
A device for providing product information to customers of a retail establishment. The device is a hand-held unit which contains a detector which identifies a product located nearby. The identification... |
| 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,... |
| 5866889 |
Integrated full service consumer banking system and system and method for opening an account |
| Feb-2-1999 |
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... |
| 5842185 |
Method and system for electronically tracking financial transactions |
| Nov-24-1998 |
A system and method automatically enters financial transactions such as credit card transactions into a financial account stored in a computer. A financial statement incorporating the transactions is provided... |
| 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... |
| 5754655 |
System for remote purchase payment and remote bill payment transactions |
| May-19-1998 |
A terminal is provided for allowing a user to conduct remote purchase payment and remote bill payment transactions with a remote host computer. In one embodiment, the terminal includes a QWERTY alphabetic... |
| 5724424 |
Digital active advertising |
| Mar-3-1998 |
A complete system for the purchasing of goods or information over a computer network is presented. Merchant computers on the network maintain databases of digital advertisements that are accessed by buyer... |
| 5644724 |
Point-of-sale tax collection system and method of using same |
| Jul-1-1997 |
A new and improved tax collection system and method collects and remits taxes in real time at point-of-sale locations. The system includes a group of point-of-sale terminals at merchant point-of-sale facilities... |
| 5621640 |
Automatic philanthropic contribution system |
| Apr-15-1997 |
An automatic donation system for a sales establishment includes an entry arrangement for entering the price of a product into a cash register and for entering the amount of cash being paid and a calculator... |
| 5619558 |
ATM segment of one marketing method |
| Apr-8-1997 |
A method for segment of one marketing to a customer utilizes an automated teller machine (ATM). The ATM dispenses to the customer a receipt containing a transaction record, a promotion, and a telephone... |
| 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... |
| 5473143 |
ATM/POS based electronic mail system |
| Dec-5-1995 |
The technical field of the invention generally concerns electronic mail systems. The present invention provides an ATM or POS system having a terminal (22, 24, 26, 28 or 34) and processor (18 or 36) which... |
| 5455407 |
Electronic-monetary system |
| Oct-3-1995 |
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... |
| 5453601 |
Electronic-monetary system |
| Sep-26-1995 |
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... |
| 5426281 |
Transaction protection system |
| Jun-20-1995 |
A transaction protection system is provided that permits non-related third parties to offer an impartial, readily accessible standardized service that will protect and encompass any moneys that are tendered... |
| 5408078 |
Portable point of sale terminal |
| Apr-18-1995 |
A point of sale terminal is disclosed that provides all of the usual point of sale terminal functions, but that is entirely field portable. Data pertinent to each purchase can be input to the terminal... |
| 5336870 |
System for remote purchase payment transactions and remote bill payments |
| Aug-9-1994 |
It is the object of this invention to provide a terminal and system to allow debit and credit card holders the ability to conveniently perform various transactions from their home or office. The terminal... |
| 5326959 |
Automated customer initiated entry remittance processing system |
| Jul-5-1994 |
A computer-controlled funds processing and remittance processing system, for use by individual, business and other bank customers. The system eliminates the problems associated with batch processing of... |
| 5252811 |
Device, system and method for increasing saving account participation and investment by small investors |
| Oct-12-1993 |
An automated cash saving system including multiple remote cash saving machines for automatically receiving deposited cash in small amounts from multiple depositors, for automatically counting the cash... |
| 5245164 |
Transaction processing apparatus |
| Sep-14-1993 |
A transaction processing apparatus includes a transaction processing terminal for registering data related to transaction processing, an external memory connected to the transaction processing terminal... |
| 5220501 |
Method and system for remote delivery of retail banking services |
| Jun-15-1993 |
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... |
| 5157717 |
Portable automated teller machine |
| Oct-20-1992 |
The portable automated teller machine disclosed by the present invention is a low-cost, pocket-size data terminal which can securely exchange information with a host bank computer. It is battery powered,... |
| 5050207 |
Portable automated teller machine |
| Sep-17-1991 |
The portable automated teller machine disclosed by the present invention is a low-cost, pocket-size data terminal which can securely exchange information with a host bank computer. It is battery powered,... |
| 4988849 |
Financial transaction system |
| Jan-29-1991 |
A transaction processing system which includes apparatus for accepting a precontract including the amount of payment/deposit and delivery time of payment/deposit, cash counting apparatus for counting cash,... |
| 4823264 |
Electronic funds transfer system |
| Apr-18-1989 |
The present invention relates to an electronic funds transfer system that assures that funds to be electronically transferred are actually present to be transferred. This is accomplished by sending both... |
| 4737911 |
Process for electronically maintaining financial records, especially for checkbook balancing and rectification |
| Apr-12-1988 |
A process for maintaining financial records, such as checkbook balances, in which a checking account user employs a hand-held calculator to record the usual checkbook data electronically. The calculator... |
| 4724521 |
Method for operating a local terminal to execute a downloaded application program |
| Feb-9-1988 |
The present invention provides methods for operating a local terminal which includes a programmable computer so that the terminal executes a pre-arranged application program. More specifically, the present... |
| 4723284 |
Authentication system |
| Feb-2-1988 |
The present invention is directed to a hardware authentication system for a public key communications network. The public key network includes at least one user terminal and at least one hardware authentication... |
| 4689478 |
System for handling transactions including a portable personal terminal |
| Aug-25-1987 |
A system including a portable personal terminal which may be used for handling a wide variety of financial, shopping, and other transactions. The personal terminal is credit-card sized, is intelligent,... |
| 4679142 |
Radioactive material billing system and method |
| Jul-7-1987 |
Quantities of radioactive material are dispersed at a user location. Billing is accomplished by monitoring the decay of material and the degree of activity following each user withdrawal. |
| 4578535 |
Videotex system |
| Mar-25-1986 |
A videotex system employs a subscriber unit (22) at a remote location such as a user's home. The subscriber unit (22) employs the user's telephone tone dial (26) for transmission to a communications module... |
| 4320387 |
Information communicating apparatus and method |
| Mar-16-1982 |
Apparatus and method is provided for secured communication of information as in effecting financial transactions between two individuals. Apparatus is provided in the form of units personal to respective... |
