| 6836764 |
Tiered interest rate revolving credit system and method |
| Dec-28-2004 |
A method and a system for operating a revolving credit program utilizing a table of tiered interest rates in which one of the interest rates is applied as a finance charge to a remaining outstanding balance... |
| 6820804 |
Method and system for performing a purchase transaction using a remote control and a television |
| Nov-23-2004 |
A method and system for performing purchase transactions such as credit and charge card transactions includes a home entertainment (HE) device having a display screen. A signature capturing sensor such... |
| 6789730 |
Automated banking machine diagnostic system and method |
| Sep-14-2004 |
A diagnostic server software component for an automated banking machine is provided. The diagnostic server is operative to periodically retrieve diagnostic messages from a nonvolatile memory of the machine... |
| 6768975 |
Method for simulating operation of an automated banking machine system |
| Jul-27-2004 |
A method of testing operation of an automated banking machine system is provided. The method may comprise storing in a data store data representative of a simulated automated banking machine, at least... |
| 6662166 |
Tokenless biometric electronic debit and credit transactions |
| Dec-9-2003 |
A method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and at least one payor bid biometric sample. The method comprises a... |
| 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... |
| 6138907 |
Electronic transaction processing system and method for operating same |
| Oct-31-2000 |
An electronic transaction processing system performing a deposit and/or a withdrawal of digital cash between a customer and a banking facility includes a customer money card storing digital cash of the... |
| 6112984 |
Electronic wallet or purse with means for funds transfer |
| Sep-5-2000 |
An electronic money storage and transfer system wherein at least electronic money is transferable between a centralized repository of money containing at least one financial account accessible by an account... |
| 6089454 |
Method and apparatus for checking out items which do not have a record corresponding thereto stored in a master product database |
| Jul-18-2000 |
A system and method of operating a retail checkout terminal includes the step of determining a first product code associated with a first item when a user enters the first item into the checkout terminal.... |
| 6064990 |
System for electronic notification of account activity |
| May-16-2000 |
Disclosed is a system for notifying a user of account activity, such as a withdrawal from a savings or checking account. A computer system maintains information on financial accounts and electronic user... |
| 6061664 |
System for facilitating the ordering and paying of services by means of a communication network |
| May-9-2000 |
The invention relates to a system (1) for electronic orders and payments by means of a communication network (6), such as a telephone network. A facilitating unit (2) comprising a voice response system... |
| 6036089 |
Automatic transaction apparatus |
| Mar-14-2000 |
An automatic transaction apparatus comprises a media operation unit having a card access port and paper currency depositing/receiving port and a housing unit which includes a card process portion and a... |
| 6029887 |
Electronic bankbook and processing system for financial transaction information using electronic bankbook |
| Feb-29-2000 |
The object of the present invention is to propose an account bankbook, a money transfer card, a receipt file, and a checkbook utilizing an optical card, an IC card, or a hybrid optical/IC card. On the... |
| 6021943 |
Process for executing payment transactions |
| Feb-8-2000 |
A process for executing payment transactions between a user and a merchant, the process being carried out in connection with a bank or other institution maintaining a financial account for the user. The... |
| 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... |
| 5933817 |
Tiered interest rate revolving credit system and method |
| Aug-3-1999 |
A method and a system for operating a revolving credit program utilizing a table of tiered interest rates in which one of the interest rates is applied as a finance charge to a remaining outstanding balance... |
| 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)... |
| 5633930 |
Common cryptographic key verification in a transaction network |
| May-27-1997 |
A stored value transaction system has a plurality of value storing transfer devices, including at least one local device, collection device, consolidation device and settlement device. First and second... |
| 5594225 |
Methods and systems for conducting financial transactions via facsimile |
| Jan-14-1997 |
Financial transactions are performed rapidly by creating a commercial document, delivering an image of the document to the payee via facsimile, delivering an image of the document to the drawee via facsimile... |
| 5496991 |
Automated remittance system |
| Mar-5-1996 |
An automated remittance system, method, and associated remittance document are disclosed whereby consumers' pre-authorizations are obtained by a billing system provider to initiate an electronic transfer... |
| 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... |
| 5367150 |
Data processing system using IC card |
| Nov-22-1994 |
An IC card (24) and a data memory card (23) are mounted to a terminal equipment (1) connected to a center computer (32) via a line. Confirmation information stored in the IC card is checked whether or... |
| 5350906 |
Currency transfer system and method using fixed limit cards |
| Sep-27-1994 |
There is disclosed a currency transfer system and method which utilizes the existing ATM network but which provides for the temporary assignment of a PIN number and the temporary establishment of a credit... |
| 5326960 |
Currency transfer system and method |
| Jul-5-1994 |
There is disclosed a currency transfer system and method which utilizes the existing ATM network but which provides for the temporary assignment of a PIN number and the temporary establishment of a credit... |
| 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... |
| 5053606 |
Credit authorization terminal with circuitry to service plural customers in parallel |
| Oct-1-1991 |
A credit authorization terminal (CAT), when communication processing is performed between the CAT and a host computer to perform settlement processing for one customer, performs input processing of information... |
| 5010238 |
Automatic cash transaction system and method |
| Apr-23-1991 |
An automatic cash transaction system having a plurality of automated teller machines and a supervisory center for supervising the automated teller machines, wherein cash transactions are performed using... |
| 4960981 |
Method of and system for electronic funds transfer via facsimile machines |
| Oct-2-1990 |
In a system for carrying out financial transactions via facsimile machines, account customized transaction vouchers are completed by the parties to a transaction, each filling in the amount of the transactions,... |
| 4959788 |
IC card with keyboard for prestoring transaction data |
| Sep-25-1990 |
An IC card transaction system is disclosed in which at least a portion of the data required to complete a transaction processing is stored in the card by a customer in advance of transaction processing.... |
| 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... |
| 4736094 |
Financial transaction processing system using an integrated circuit card device |
| Apr-5-1988 |
A financial transaction processing system comprising an IC card (6) for use in transaction with a financial body, terminals (21e-24e) communicating with the IC card (6) and centers (21-24) provided for... |
| 4727243 |
Financial transaction system |
| Feb-23-1988 |
A financial transaction system makes use of an automated terminal or terminals in communication with a host computer which is capable of accessing any of a number of institutionalized or private label... |
| 4694397 |
Banking/brokerage computer interface system |
| Sep-15-1987 |
Apparatus is provided for interfacing a banking system and a brokerage system having a number of brokerage offices. Clients having both a brokerage and a banking account transact both brokerage and banking... |
| 4692600 |
System and method for automatic transaction |
| Sep-8-1987 |
An automatic transaction system is provided with a card reader which reads the data from a card with information identifying a user recorded thereon, when said card is inserted, an operating unit which... |
| 4686357 |
Method for confirming settled check cards and check card drawing apparatus |
| Aug-11-1987 |
In commercial transactions, settlement is conventionally made by cash or by checks drawn from a current account in a bank. Users of such checking system enjoy the convenience. In the conventional process... |
| 4673802 |
System for making payments for transactions |
| Jun-16-1987 |
A transaction payment system including a central processing system. The central processing system has an account file including a file portion having stored therein data relating to the accounts of users... |
| 4660168 |
Apparatus for completing a customer initiated ATM transaction |
| Apr-21-1987 |
An apparatus is provided for reducing customer transaction time in an automated teller machine (ATM) having various peripheral devices associated therewith. Each peripheral device associated with the ATM;... |
| 4650977 |
Automatic self service machine system and method |
| Mar-17-1987 |
The automatic self service machine system of this invention operates in an off-line manner without the necessity of a data communication link to a host computer and is characterized in that it does not... |
| 4648037 |
Method and apparatus for benefit and financial communication |
| Mar-3-1987 |
The disclosure relates to the method and apparatus of a communication system for enabling an employee to access information by a terminal concerning their up-to-date savings plans and the values thereof,... |
| 4646229 |
Time-ordered data base |
| Feb-24-1987 |
A data base system includes future versions of the data base which are maintained currently in response to orders for future execution. All transactions against the data base are time stamped to assure... |
| 4639864 |
Power interlock system and method for use with multiprocessor systems |
| Jan-27-1987 |
A multiprocessor system the kind in which two or more separate processor modules are interconnected for parallel processing. The multiprocessor system includes an input/output system having multi-port... |
| 4630196 |
Store and forward facility for use in multiprocessing environment |
| Dec-16-1986 |
A store and forward facility for use in a multiprocessing, multinode environment is disclosed wherein two fundamental processes (transfer and delivery) perform the bulk of the activities required in this... |
| 4623964 |
Homogeneous hierarchial computer business system |
| Nov-18-1986 |
A modified hierarchical homogeneous real time transaction, consolidated auditing and side processing business system, operating under a system wide parameter control, processes and encapsulates each transaction... |
| 4621326 |
Method of reducing customer transaction time in an automatic teller machine by parallel processing of sequence events |
| Nov-4-1986 |
A method is provided for reducing customer transaction time in an automated teller machine (ATM) having various peripheral devices associated therewith. Each peripheral device associated with the ATM;... |
| 4617457 |
Teller-assisted, customer-operated ATM document cashing system |
| Oct-14-1986 |
A document cashing system including a host computer, a plurality of ATMs, and a teller station including a display and keyboard including function keys. Each ATM includes an imager for presenting an image... |
| 4615019 |
Data processing system with interrupt facilities |
| Sep-30-1986 |
The system comprises a series of input-output units (I/O) connected by means of a bus (21) to a central unit (CPU) capable of accepting at least one category of vectored interrupts requested by the I/O... |
| 4615001 |
Queuing arrangement for initiating execution of multistage transactions |
| Sep-30-1986 |
In a data processing or control system, a method and apparatus for scheduling the sequential processing of actions requested by a series of transaction requests where the execution of two or more sequential... |
| 4614841 |
Geographically distributed multiprocessor time-shared communication processing system |
| Sep-30-1986 |
A geographically distributed multiprocessor system is implemented by locating groups of processors at nodes which are interconnected by way of a transport network and which are connected by way of local... |
| 4575816 |
Interactive transactions processor using sequence table pointers to access function table statements controlling execution of specific interactive functions |
| Mar-11-1986 |
A peripheral processor has an architecture wherein the function controlling information of a program is separated from portions of the sequence of execution controlling information and each are stored... |
| 4523330 |
Banking system and method |
| Jun-11-1985 |
A method and apparatus for processing documents comprising a unit for reading machine-readable data and for generating image data from the documents as the documents are moved along a track in operative... |
