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Class 235/379 - Banking systems


Subclass of Class 235 - Registers
Definition: Subject matter wherein indicia from a bearer card or record
No. of applications: 949
Last issue date: 05/24/2012


1                      
Application No.Application TitleIssue Date
20120125996Banking System Controlled Responsive To Data Bearing Records
A banking system operates to allocate funds in accounts in response to data bearing records in the form of paper financial checks. A mobile phone has a camera and a programmable memory. The memory stores phone user data, including a bank account number and an electronic...
05/24/2012
20120104091Method of Authorizing Automated Banking Machine Use Responsive to User Data Read from Data Bearing Records
An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a ...
05/03/2012
20120104093BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA BEARING RECORDS
An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated bank...
05/03/2012
20120104092Method of Authorizing Automated Banking Machine Use Responsive to User Data Read from Data Bearing Records
An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a ...
05/03/2012
20120104090CARD-READER APPARATUS
A card-reader apparatus includes has a card interface for receiving data from a card presented to the card interface, a display, and a keypad having a plurality of keys for input of respective characters of user codes associated with cards presented to the card interfac...
05/03/2012
20120080517Apparatus improving item transactions with real-time controls and navigation
Invention describes real-time control system increasing shopping efficiency, maintaining item quality, inventory, and directing customer transactions, requiring handling and processing of items only once. Invention controls access to items inside modules via card with u...
04/05/2012
20120080518Card Feed Unit, Read Out Unit, ATM And Method
The present invention relates to a card feed unit for transferring a data carrier of card information of a multi-services cards, such as a bank card or credit card, to a reading head of a reading unit for at least reading out of card information, the card feed unit comp...
04/05/2012
20120072296METHODS AND SYSTEMS FOR INITIATING A FINANCIAL TRANSACTION BY A CARDHOLDER DEVICE
A method and system for processing a financial transaction initiated by a cardholder with a merchant. The cardholder initiates the transaction using a cardholder input device and transmits an authorization request message including transaction data received by the cardh...
03/22/2012
20120067946Telescoping/Retractable Automated Transaction Module
The transaction center of the current Automated Teller Machines where a customer completes a variety of financial transactions is a fixed component of a much lager device. This is the same situation at businesses that uses air pressure to transport capsules between cust...
03/22/2012
20120048922SYSTEM AND METHOD FOR MONITORING COMMERCIAL TRANSACTIONS
A system for monitoring commercial transactions is implemented using credit cards and/or debit cards in conjunction with card readers and/or their associated cash registers linked in communication to a banking establishment. The system comprises modules for use with pri...
03/01/2012
20120043380SELF SERVICE DEVICE
A self-service device (1), specifically an automated teller machine, account statement printer, and/or information or transaction terminal, with a base housing (2), an operator interface (3), an input device for identification cards (9), a ma...
02/23/2012
20120043379Automated Banking Machine That Outputs Interference Signals That Jam Reading Ability Of Unauthorized Card Readers
A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unau...
02/23/2012
20120031967Method of authorizing automated banking machine use responsive to user data read from data bearing records
An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a ...
02/09/2012
20120031966Card activated cash dispensing automated banking machine system and method
An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking op...
02/09/2012
20120024945Debit/Credit Card Device
A debit/credit card (chip card) having a body, storage element, at least one processor, a display element (LCD screen) and at least one touchpad, allowing a user to manually enter electronic information to be stored by the at least one storage element and displayed by t...
02/02/2012
20120024946Value Token Conversion
A method is disclosed. The method includes obtaining value token image data associated with the image of the value token, the value token image data being derived from an image of the value token obtained from a scanning device. The method also includes initiating verif...
02/02/2012
20120030113Generation And Use Of Negotiable Instruments
Systems and methods for generating and using negotiable instrument are described. A request from a user to generate a negotiable instrument financially secured by a financial entity against an account of the user is received, and the user is authenticated to the account...
02/02/2012
20120022924METHOD AND SYSTEM FOR CREATING A PERSONALIZED EXPERIENCE WITH VIDEO IN CONNECTION WITH A STORED VALUE TOKEN
A method and system for creating an augmented reality experience with video in connection with a stored value token comprises augmented reality software which can be loaded on a general purpose computer. The augmented reality software may monitor camera signals in order...
01/26/2012
20120023018Automated banking machine
An automated banking machine (10) operates responsive to data read from data bearing records to cause financial transfers. The machine includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stack...
01/26/2012
20120018510Multiple Financial Institution Automated Teller Machine System and Method
An apparatus, system and method for providing to a network of ATMs (10) the ability to transact business in connection with several financial institutions (30, 40) using each financial institution's display interfaces (34, 44), and optionally provid...
01/26/2012
20120012652Automated banking machine that operates responsive to data bearing records
An automated banking machine controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. User operation of the automated banking machine is authorized responsive to the identifying data read by the card reader. Th...
01/19/2012
20110315761Automated banking machine system and method
A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a coin dispenser (178
12/29/2011
20110309141Banking transaction machine that operates responsive to data bearing records
A cash dispensing banking machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash dispenser for a financial account without causing the card reader device to rea...
12/22/2011
20110303745Automated banking machine operated responsive to data bearing records with improved resistance to fraud
An automated banking machine is controlled responsive to data read from data bearing records. The automated banking machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be suscep...
12/15/2011
20110302081SYSTEM AND METHOD FOR MASS TRANSIT MERCHANT PAYMENT
Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a fina...
12/08/2011
20110290874APPARATUS AND METHOD FOR COMMERCIAL TRANSACTIONS USING A COMMUNICATION DEVICE
An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly is provided. The apparatus comprises an input device for capturing information from the transaction card, a controller fo...
12/01/2011
20110295742Object Information Derived from Object Images
Search terms are derived automatically from images captured by a camera equipped cell phone, PDA, or other image capturing device, submitted to a search engine to obtain information of interest, and at least a portion of the resulting information is transmitted back loc...
12/01/2011
20110288999Deposit Permissions For Specific Non-Account Holders
Systems and methods for permitting a specific individual to deposit monetary funds in an account are described. A first request to permit a specific individual to deposit monetary funds into an account associated with an entity may be received. The specific individual i...
11/24/2011
20110288998Deposit For Non-Account Holders
Systems and methods for depositing monetary funds into an account are described. A first request from a first individual to deposit monetary funds into an account associated with an entity may be received. The first individual is not an account owner of the account. Mon...
11/24/2011
20110284629PAYMENT TERMINAL ESD TEST
Systems and methods for performing test procedures for measuring and defining the sensitivity of payment terminals to ESD (electrostatic discharge) are disclosed. In some embodiments, a plurality of test equipment in a controlled environment are used to measure the peak...
11/24/2011
20110284630Banking system controlled responsive to data bearing records
An automated banking machine controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. User operation of the automated banking machine is authorized responsive to the identifying data read by the card reader. Th...
11/24/2011
20110288995Deposit For Entity Associated Non-Account Holders
Systems and methods for permitting a credit card payment are described. An individual associated with a credit card account of an entity may be identified. A request to permit the individual associated with the credit card account of the entity to deposit a credit card ...
11/24/2011
20110288967Card-Based Banking
A payment device may be issued that is user generic and allows for the payment of billing accounts by storing billing account information in association with the payment device and/or an underlying funding account. In one example, the payment device might not store any ...
11/24/2011
20110288994Deposit Permissions For Non-Account Holders
Systems and methods for generating an access code are described. A first request to generate an access code for permitting a first individual to deposit monetary funds into an account associated with an entity is received. The first individual is not an account owner of...
11/24/2011
20110278357WIRELESS DEVICES FOR STORING A FINANCIAL ACCOUNT CARD AND METHODS FOR STORING CARD DATA IN A WIRELESS DEVICE
A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identif...
11/17/2011
20110272460Automated banking machine that operates responsive to data bearing records
A system controlled responsive to a data bearing record includes a card reader that is operative to read data from user cards including identifying data, and to authorize operation of an automated banking machine responsive to the identifying data. The automated banking...
11/10/2011
20110276485METHOD OF ESTABLISHING IDENTITY VALIDATION BASED ON AN INDIVIDUAL'S ABILITY TO ACCESS MULTIPLE SECURE ACCOUNTS
A system and methods that enables and utilizes the conversion of an individual's ability to access multiple secure accounts to establish and validate the individual's digital primary identity. The control for the digital primary identity validation is user-centric so th...
11/10/2011
20110266340Cash dispensing automated banking machine with flexible display
A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal....
11/03/2011
20110266341Banking system controlled by data bearing records
A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine is in connection with a card reader...
11/03/2011
20110259956Check Processing Method, Check Processing Program Medium, and Check Processing Apparatus
Check processing involves scanning a back of a check having no authorization data printed thereon and also scanning a front of the check having preprinted magnetic ink characters, electronically generating authorization data indicating that the check is valid based on a...
10/27/2011
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