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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 patents: 3345
Last issue date: 05/29/2012


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NumberTitleIssue Date
7780077Check accepting and cash dispensing automated banking machine system and method controlled by records bearing check maker identity data
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 determine the genuineness of checks and the authority of a user to receive ...
08/24/2010
7780075Methods and systems for transferring funds
Methods and systems for transferring funds are disclosed that utilize a transfer card issued to a sender that enables the sender to transfer funds at independent host locations. The transfer card may be encoded with information about the sender and the intended rece...
08/24/2010
7782600Access self-service terminal
A self service terminal having a casing with a selectively releasable display. The display is secured to the casing using a fastener (75) that can only be unfastened from inside the casing. ...
08/24/2010
7780078Banking system operated responsive to data read from data bearing records
A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions may also be carried out through communication with local and remote service providers. An automated banking machine (322) operative to co...
08/24/2010
7780072Enclosure for automated banking machine
An automated banking machine includes a top housing cover slidably mounted with respect to a top wall of the housing of a chest or secure enclosure. The top housing cover includes side channels for slidably receiving spaced upwardly extending flanges mounted on the ...
08/24/2010
7775426Method and system for facilitating electronic funds transactions
A method and system for executing electronic funds transactions using a merchant-issued payment (MIP) card in a merchant-centric system having benefits which include reduced fees to acquiring merchants and optionally remitting a portion of the collected fees, or oth...
08/17/2010
7775425System and method for approving a limit of check cashing over time
The invention involves a system and a method of approving a money limit of check cashing for a time period during which a check writer may cash checks up to the limit. The invention provides for an improvement of approving a money limit of check cashing in order to ...
08/17/2010
7770785Apparatus and methods for detection and management of unauthorized executable instructions on a wireless device
Detection and management methods and apparatus for wireless devices may include an executable instruction authorization module operable to scan executable instructions on a wireless device, generate a log indicative of a virus or otherwise unauthorized executable in...
08/10/2010
7770786System and method for value creation
There is disclosed a system and method for creating value by facilitating third party participation in mobile commerce transactions, providing consumers with a unified perspective of commercial activity, and selectively implementing discounts. The system may include...
08/10/2010
7766222Inflatable financial transaction product
A financial transaction product includes a housing and an account identifier. The housing includes a bladder configured to be selectively inflated and deflated. The account identifier is on the housing and links the housing to at least one of a financial account or ...
08/03/2010
7766223Method and system for mobile services
A method for providing mobile services, such as mobile financial services, includes providing a wireless handset or other device as an adjunct access device for a user account. The device is assigned a unique identification number, such as an MDN, MEID, or both. The...
08/03/2010
7762454Cash dispensing automated banking machine diagnostic method
An automated transaction machine including an extensions for financial services (XFS) layer is provided. An application interface portion of the XFS software layer is operative to communicate with an application software layer of the ATM which may include terminal a...
07/27/2010
7757940Method and system for automatic teller machine cash management
There is provided a management apparatus associated detachably with a cash cassette for managing the cash cassette storing bills or coins for cash transactions with users at an automatic teller machine. The cash cassette includes an error information recording area ...
07/20/2010
7757939Depositing items of value
A method of depositing items of value, the method comprising 1) receiving a temper evident and coded container holding the items of value, the code relating to the content of the container; 2) verifying that the pa...
07/20/2010
7757938Image exchange without full MICR qualification
A system and related methods of correcting errors during check or financial document processing by a bank of first deposit or other entity receiving a paper check or financial document, or by a second bank on whose accounts the checks were written. These corrections...
07/20/2010
7753258Method and apparatus for completing a financial form
A system and method for completing a financial form including generating a navigation path by selecting a plurality of financial events, where the navigation path is used as a framework to complete the financial form, selecting a webinar event from the plurality of ...
07/13/2010
7753259System and method for granting promotional rewards to both customers and non-customers
Methods of operating a promotional program for customers of a Banking institution are disclosed, comprising the dispensing a receipt with a symbol or picture thereon redeemable for a prize, wherein the dispensing of the receipt is accomplished through the use of an ...
07/13/2010
7748614Transaction system and method
A money management network including a money management network, a bank web site hosted by a bank, and a vendor web site hosted by a vendor. The bank web site is accessible by a bank/vendor customer. The vendor web site is accessible by the bank/vendor customer. The...
07/06/2010
7748610Packaging device and container for sheet objects
This invention relates to a packaging device (1) for packaging a stack of sheet objects that have an attributable monetary value in a container (4), the device (1) comprising means (34, 35) for determining value data relating to the monet...
07/06/2010
7748611Automated banking machine
A cash dispensing automated banking machine (10) includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may incl...
07/06/2010
7748612Automated banking machine
A cash dispensing automated banking machine (10) includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may incl...
07/06/2010
7748615Check accepting and cash dispensing automated banking machine that operates responsive to data bearing records
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 determine the genuineness of checks and the authority of a user to receive ...
07/06/2010
7748613Automated transaction machine
An ATM apparatus including a selectively removable sheet storage container supported within the secure chest portion. The sheet storage container is carried on a movable frame for movement into an operational position. The movable frame is movable from an out/down p...
07/06/2010
7743978Systems and methods for customized deposit slips
Systems and methods for customized deposit slips are described. The system comprises a first module to receive an account selection from a user for a bank account, a second module to create a representation of a deposit slip customized with an account number for the...
06/29/2010
7743979Method and system for credit card reimbursements for health care transactions
According to one embodiment, the present invention relates to a method and a system for reimbursing credit card transactions for health care services and/or products. An exemplary method and system may involve registering a user for reimbursement wherein the user id...
06/29/2010
7743977Method and system for random data access for security applications
Methods and systems for random data access for security applications are disclosed and may comprise generating on a chip, a random process index. A data process may be randomly selected on the chip utilizing the generated random process index. A time interval may be...
06/29/2010
7740168Method and system for generating a dynamic verification value
A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first dynamic data element and a second dynamic data element. The verifica...
06/22/2010
7740169Cash dispensing automated banking machine system and method
An automated banking machine (10) includes a cash dispenser (54). Servicing the machine is facilitated through use of a portable diagnostic article (98) which enables the controller to access diagnostic data stored in memory and which provides d...
06/22/2010
7735723RF communication of data between currency canister and automated banking machine
An automated canister reloading machine is able to reload a currency canister removed from an ATM. The reloading machine includes a supply of currency notes. The reloading machine can transfer currency notes from the supply into a storage area of the canister. The c...
06/15/2010
7735721Method of evaluating checks deposited into a cash dispensing automated banking machine
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 determine the genuineness of checks and the authority of a user to receive ...
06/15/2010
7735722Enclosure for automated banking machine
Method of accessing components of an automated banking machine for servicing. A top housing cover is mounted in slidable relationship to the housing of an ATM chest or secure enclosure. In an operational condition, a front opening in the top housing is closed by an ...
06/15/2010
7731084Devices and methods for monitoring transaction data from point-of-sale devices
Systems and methods for monitoring transaction data in a point-of-sale (POS) system. An inline component is connected between a POS terminal and a printer. The inline component monitors communications between the POS terminal and the printer as well as communication...
06/08/2010
7726557Currency dispense and control system with anti-theft features
A cost-effective, currency dispense and control system (CDCS) securely dispenses paper money in one of the following modes: (1) an ATM system and (2) a currency control system that allows a merchant or merchant-approved employee to withdraw cash from the CDCS indepe...
06/01/2010
7726558Enclosure for automated banking machine
A method provides for accessing components of an automated banking machine (ATM) housed in the secure enclosure or chest. The chest is adapted for use in either a front-load or a rear-load ATM. AN operable chest door controls access through one of the openings in th...
06/01/2010
7726559Cash dispensing automated banking machine diagnostic method
An automated banking machine (10) includes a lockable first fascia portion (20) which when unlocked enables access to a chest lock input device (104), inputs to which enable opening a chest door (18) of the machine. Opening the first fasc...
06/01/2010
7721951Card activated cash dispensing automated banking machine component authentication system and method
A card activated cash dispensing automated banking machine is provided which includes a safe and at least a portion of a cash dispenser positioned within the safe. The cash dispenser includes an input device which when manually operated from within the safe causes t...
05/25/2010
7721950Automated transaction machine
An ATM apparatus includes a sheet storage container selectively positionable within the secure chest portion of the ATM. A monitoring mechanism provides audible feedback when the sheet storage container is moved into an operational position. The sheet storage contai...
05/25/2010
7721953Cash dispensing automated banking machine diagnostic system
An automated banking machine (10) operates responsive to data read from data bearing records. The machine includes a card reader that is operative to read data from user cards corresponding to financial accounts. A controller (72) in the machine select...
05/25/2010
7721952Presenting misaligned stacks of media
A method of operating a self-service terminal is described in which a stack of media is presented to a customer. If it is detected that at least some of the stack remains within the terminal, the remaining media is advanced out of the self-service terminal. ...
05/25/2010
7721948Method and system for online payments
Methods and systems are disclosed which relate to online payments via interface surfaces printed with information and coded data. The coded data, encoded visibly or invisibly, may be queried by an appropriate sensing device. The sensing device communicates with a co...
05/25/2010
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