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7617157 |
Method for receiving electronically transferred funds using an automated teller machine
A method for performing a money transfer receive transaction involving a desired amount of money to be transferred from a sender to a recipient includes receiving transaction identifying...
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7611049 |
Check accepting cash dispensing automated banking machine system and method
A card activated cash dispensing automated banking machine system and method is provided. The machine is operate to read a financial card bearing account indicia with a card reader of the machine....
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7611045 |
Enclosure for automated banking machine
Automated banking machine (ATM) in which the chest or secure enclosure is adapted for use in either a front-load ATM or a rear-load ATM. The chest housing includes both front and rear openings...
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7606767 |
Cash dispensing automated banking machine system and communication method
A method of operating an automated banking machine is provided. The method comprises sending a configuration XML message to an ATM from an application server, wherein the configuration XML data...
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7606763 |
Systems and methods for improving auction liquidity
Systems, methods, apparatus, and means for improving liquidity in a securities auction include selecting a cover to use to provide general liquidity to the auction, the cover having a plurality of...
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7603472 |
Zero-minute virus and spam detection
Disclosed in this application are systems and methods for detecting unwanted electronic message transmissions at a certain location on an electronic communications network. The disclosed principles...
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7603315 |
Self-service terminal
A self-service terminal ( 14 ) is described The terminal is associated with an organization ( 18 ) having individuals ( 36 ) under its supervision, each individual having a sponsor, whereby the...
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7603313 |
Charging system and charging method
A user sends data for requesting a service provider to provide predetermined service and signature data created based upon the data to the service provider, the service provider calculates a fee...
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7603302 |
Automated banking machine system with multiple entity interface
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 ),...
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7597249 |
Automated banking machine system with multiple browsers
An automated banking machine ( 12 ) is operative to conduct transactions in response to mark up language documents and TCP/IP messages exchanged with a local computer system ( 14 ) through an...
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7594027 |
Data access using a machine-readable card
A communication system is disclosed comprising a communication network and a communication device. The communication device reads machine-readable information from a card, wherein the information...
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7590598 |
Automated banking machine with record accessibility pre-check
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 ),...
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7588183 |
Automated banking machine system and method
An automated banking machine is operatively controlled from a front consumer user station and a rear maintenance user station. The machine is operative to output a consumer user interface through a...
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7584885 |
Currency dispensing ATM with RFID card reader
An ATM with a currency dispenser includes both a magnetic stripe card reader and an RFID tag reader. A user card includes both magnetic stripe data and RFID tag data. The ATM can read both the...
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7577615 |
Automated banking machine configuration system and method
An automated banking machine ( 10, 70, 146 ) is operative to enable a plurality of authorized software components ( 80 ) to be selectively configured. The machine may be provided with either an...
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7577614 |
Cash dispensing and check accepting ATM and method
An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to...
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7577613 |
Provision of receipts for self service or point of sale terminals
A system and method for providing a receipt ( 20 ) to a user involving receiving at a host terminal receipt information from a point of sale or self-service terminal, and using this to create an...
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7577612 |
Self service terminal
A self-service terminal ( 14 or 114 or 214 ) and a system ( 10, 100, 200 ) including a plurality of networked self-service terminals are described. Each terminal ( 14, 114, 214 ) has a simple...
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7575157 |
Fraud protection
Systems and methods are illustrated for providing enhanced fraud protection. Aspects of the fraud protection system may be implemented by a filter that may be configured to detect fraud in a...
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7571140 |
Payment management
According to the invention, a method for a payor paying a payee using a payment account is disclosed. In one step, information on a number of payment accounts is retrieved. The payment accounts...
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7568615 |
Electronic transfer of hard currency
A method and system is described for person-to-person and person-to-entity cash-transfer via ATMs. Beneficially, at the system endpoints (cash in, cash out) the remitter and receiver can each...
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7567924 |
Automated banking machine apparatus and system
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 ),...
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7555462 |
Method and apparatus for incorporating scanned checks into financial applications
An improved method, apparatus, and computer implemented instructions for processing a check in an automatic teller machine in a data processing system. A check is received from a user at the...
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7548885 |
Processing tax forms at an automatic teller machine
A method, apparatus and computer implemented instructions for processing a bill in an automatic teller machine. The bill is scanned to form a bill image in which the bill includes a markup language...
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7546274 |
System and method for facilitating electronic commerce transactions at an automatic teller machine
A method and system facilitate an electronic commerce transaction between an ATM and an electronic commerce merchant via a global communications network. Transaction data is received at a server...
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7545930 |
Portable terminal
A portable terminal ( 10 ) for encrypting information is described. The terminal ( 10 ) generates a new key for each transaction, where the new key is generated using one or more properties of the...
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7545816 |
Transaction processing systems maintenance
A communications network can comprise a plurality of network sites, to each of which a transaction terminal, a maintenance terminal, or a server may be connected. Each transaction terminal (which...
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7537153 |
Method and computer program product for electronically managing payment media
A method of electronically managing payment media, includes the steps of: (i) determining an amount of payment media dispensed from a payment media dispensing device, based on electronic...
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7533806 |
Reading of image data bearing record for comparison with stored user image in authorizing automated banking machine access
A system and method is carried out in connection with a card actuated automated banking machine. Image data read by a card reader from a card is compared to image data stored in an authorized...
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7533805 |
Data bearing record based capture and correlation of user image data at a card reading banking system machine
Based on user image data read by a card reader from a user card, a banking system machine can be used to carry out a transaction. Image data read by the card reader is compared by a computer to...
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7533199 |
Automatic transaction apparatus, automatic transaction control method, and control program thereof
An automatic transaction apparatus operates an automatic transaction unit using middleware whose environment is set by a kernel, which uses conventional middleware even if the interface with the...
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7523857 |
ATM with security sensing system for cash dispenser customer interface gate
An automated banking machine operates in response to data read from user cards and dispenses cash to authorized users. The machine includes at least one processor which controls various banking...
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7522880 |
Wireless networked cash management system
A wireless networked cash management system includes a coin handling device ( 13, 14, 17 ) for performing at least one of the operations of coin counting, coin sorting, coin dispensing and cash...
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7520423 |
Multi-vendor agent for a self-service terminal
A self-service terminal includes at least one electromechanical hardware component (e.g., a display monitor, a card reader, a cash dispenser, a cash acceptor, and a statement printer) configured to...
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7519554 |
Processing binary options in future exchange clearing
Systems and methods are disclosed for processing binary options (also referred to as digital options) in existing clearing systems, such as futures clearing systems. The binary option is treated,...
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7519031 |
System and methods of differential communication
[Object] To provide a differential communication system that is preferable for performing differential communication in a dynamically configured network. [Solving Means] Portable terminals 100 ...
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7513419 |
Cash dispensing automated banking machine system and method
Automated transaction machines dispense currency notes and enable the conduct of transactions. In some cases a user is enabled to dispense merchandise from a self-service dispensing machine and is...
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7509289 |
System and method for single event authorization control of transactions
Controlling the authorization of financial transactions, such as credit card transactions. Financial institutions and businesses can establish accounts for employees that have an authorization...
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7499873 |
Communication through a financial services network
A method of communicating a message from a sender to a recipient in possession of a unique identifier by use of which the recipient can perform a transaction at a transaction terminal includes:...
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7494050 |
Automated banking machine audible user interface method
An automated banking machine is operative to output a visual and audible user interface which enables a consumer to operate the machine. The visual user interface includes a plurality of...
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7494046 |
Automated transaction machine system
An automated banking machine ( 10 ) identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers documents from storage and dispenses them to...
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7493286 |
Filter module for a transaction processing system
A filter module for a WOSA/XFS transaction processing system is disclosed. The system includes a WOSA transaction manager which is responsive to transaction requests from at least one application....
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7490760 |
Card activated cash dispensing automated banking machine authorization system
A card activated cash dispensing automated banking machine is operative to authorize the installation, use, and/or configuration of ATM software applications and components. The machine may be...
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7483859 |
System and method for dispensing digital information from an automated transaction machine
An automated teller machine (ATM) ( 10 ) includes an input device ( 16 ) a card reader ( 20 ), a cash dispenser ( 24 ), and an output device ( 18 ). The ATM is operative to read account information...
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7482910 |
Apparatus, system, and computer program product for presenting unsolicited information to a vehicle or individual
A system for providing directed advertising or informational messages specific to individual persons or vehicles. The system encompasses a sensing and evaluation mechanism to detect persons or...
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7475040 |
Return item early notification and return
A method, and system for processing electronic return items, the method comprising: receiving directly or indirectly from a plurality of different payor banks a plurality of different electronic...
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7469824 |
Check accepting and cash dispensing automated banking machine system and method
An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to...
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7469224 |
Real-time point-of-sale change-of-address processing
The present invention provides the ability to solicit and obtain updated information about a customer or person. The present invention can be incorporated into a service provision system and thus,...
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7458507 |
ATM machine and methods with currency conversion capabilities
Methods, systems, and Automated Teller Machines (ATMs) are disclosed which provide ATM currency conversion capabilities. In one embodiment, a financial account number associated with a financial...
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7450012 |
RFID reader/writer device
The device of the present invention is a stand alone radio frequency identification (RFID) reader/writer device comprising a micro controller having non-volatile data memory, an RFID module, at...
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