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Class 340/5.41 - Banking or finance


Subclass of Class 340 - Communications: electrical
Definition: Subject matter wherein the desired product is associated
No. of patents: 74
Last issue date: 05/13/2008


  2  
NumberTitleIssue Date
5530438Method of providing an alert of a financial transaction
A radio system user (126) is alerted (129) as to the occurrence of a financial transaction by a customer (118). Data (122) is obtained from the customer (118) and used to identify a radio system user (126), who is authorized to conduct the financial trans...
06/25/1996
5450319Electronic cash register capable of deciding validity or invalidity of register operator
An electronic cash register system includes a plurality of electronic cash registers interconnected by a common transmission line, and each of the electronic cash registers includes an information register device for registering flag information which "va...
09/12/1995
5389773Self-service system having transaction predictive capability and method of using
A self-service system, such as an automated teller machine (ATM) system, uses predictive technology. When a user begins a transaction by inserting an identification card into a card reader of an ATM, the predictive technology predicts which service or ser...
02/14/1995
5386104System and method for detecting user fraud in automated teller machine transactions
A self-service automated teller system includes a fraud detection module which uses a biometric recognition technique, such as voice or fingerprint recognition, in combination with predictive technology. The biometric recognition test is normally decisive...
01/31/1995
5371797Secure electronic funds transfer from telephone or unsecured terminal
A secure electronics funds or other financial transaction system that provides substantially equivalent security to that obtained by the use of secure point of sale terminals such as automatic teller machines, yet is conducted from unsecure terminal devic...
12/06/1994
5221838Electronic wallet
An electronic wallet includes memory for storing at least a balance corresponding to an account in a financial institution, and a selective call receiver for receiving a wireless message transmitted from a remote transmitter, the wireless message includin...
06/22/1993
4988849Financial transaction system
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, a payment/deposit processing apparatus to be mani...
01/29/1991
4977595Method and apparatus for implementing electronic cash
In an electronic cash implementing method, a user makes a bank apply a blind signature to user information Vi produced, by a one-way function, from secret information Si containing identification information, thereby obtaining signed user information. Fur...
12/11/1990
4965568Multilevel security apparatus and method with personal key
A method and apparatus for electronic financial transaction processing systems used by customers of certain credit or electronic banking card-issuing institutions. The present invention involves two levels of secure interaction between the customer and th...
10/23/1990
4876717Adjunct processor for providing computer facility access protection via call transfer
This adjunct processor arrangement performs a centralized call screening function to provide computer port access security. Every call origination in the telephone switching system from a calling party to a protected computer port is interdicted by the te...
10/24/1989
4774662Method for managerial clerk inspection
A method for managerial clerk inspection in an on-line system comprising a plurality of regular clerk terminal units operated for transactions by regular clerks, a terminal unit dedicated to a managerial clerk and operated by the managerial clerk for ackn...
09/27/1988
4747050Transaction security system using time variant parameter
An electronic funds transfer system (EFT) is described in which retail terminals located in stores are connected through a public switched telecommunication system to card issuing agencies data processing centers. Users of the system are issued with intel...
05/24/1988
4677435Surface texture reading access checking system
Surface texture reading access checking system. The identification information attached to each support object serving as a key is constituted by the texture of a surface portion of said object. A reader reads this information and communicates it to the p...
06/30/1987
4675815Transaction safety system for falsely indicating successful completion of illegal transaction
A transaction device, having an input portion, and a processing device, having a client file, which is located at a processing center, are connected by a telephone line for processing data input on the transaction device. The transaction device sends an a...
06/23/1987
4672377Check authorization system
A check authorization and verification system for use by stores handling personal checks. A data base containing credit reference on all customers made accessible to the store and is accessed whenever the customer presents a card having a unique identifyi...
06/09/1987
4570223Cash register control system for authorization of selected operator functions
An electronic cash register includes a clerk identifying system, wherein the clerk who handles the electronic cash register must be first registered before initiating the actual registration operation. An operation ability determination circuit is provide...
02/11/1986
4523087Transaction verification system using optical coupling data communication link
A system for providing authorization to complete a requested transaction comprises a portable verification device (20) carried by each user to be inserted into a receptacle (34) at a point of transaction for authorization verification. The portable device...
06/11/1985
4454414Funds transfer system using optically coupled, portable modules
A system for transferring funds in lieu of cash or other data comprises portable funds transfer modules issued by a bank or other financial institution and carried by each member who may be a vendee or vendor. A first type module (20) comprises a housing ...
06/12/1984
4438326System for performing transactions
A system for performing the desired transaction when the customer follows a specified procedure comprising a sequence of steps includes an electronic visual display unit for displaying a message and an illustration at the same time, a plurality of functio...
03/20/1984
4423287End-to-end encryption system and method of operation
An efficient end-to-end encryption system including key management procedures for providing secure, financial data communication between a system user at one of a plurality of transaction terminals of one of a plurality of acquirer institutions and one of...
12/27/1983
4386266Method for operating a transaction execution system having improved verification of personal identification
A transaction execution system including at least one transaction terminal in communication with a host data processing system. A transaction at the terminal is authorized based, at least in part, upon correspondence of personal identification data entere...
05/31/1983
4385285Check dispensing terminal
A method and apparatus for issuing negotiable instruments such as checks from a terminal comprising: first means (identification card reader) for identifying an account number against which a monetary amount of a check to be issued by the terminal is to b...
05/24/1983
4375032Transaction processing system
There is provided a transaction processing system including a terminal machine for automatic cash transactions initiated with record media possessed by users, comprising means for reading data on record media inserted by users, means for detecting if the ...
02/22/1983
4197986Money transaction system
A transaction system comprising a card having a card balance recorded therein, at least one terminal transaction processor operable on the basis of on-line and off-line computer schemes, and a center operatively associated with the terminal transaction pr...
04/15/1980
4186871Transaction execution system with secure encryption key storage and communications
A transaction execution system having a multiple account data base and a plurality of transaction terminals in communication with the host. The terminals each include a keyboard, a display, document handlng subsystems, a hardware control subsystem, a comm...
02/05/1980
4114027On-line/off-line automated banking system
An automated banking system, which comprises at least one remote transaction and cash dispensing unit interconnected with a central unit via a communication network is disclosed. Each remote unit is operable following a single customer card insertion, in ...
09/12/1978
4075460Cash dispensing system
A cash dispensing system having a central computer and associated memory for maintaining customer account records, a plurality of remote transaction terminals and a communication path connecting the remote terminals with the computer. Each of the remote t...
02/21/1978
4053735Assured-check computer-based bank credit disbursing system
An assured-check computer-based bank credit disbursing system in which a bank-located unit or fixed unit transfers user-expendable credits to a portable unit for disbursement in check form by a user carrying the portable unit. A transfer code unique to ea...
10/11/1977
4048475Apparatus for checking the user of a card in card-actuated machines
A system for checking the user of a card in a card-actuated machine such as automatic cash dispenser, wherein the card has recorded thereon two kinds of coded information for collation, which are changed every time the card is used....
09/13/1977
4032931Money transfer device keyboard terminal
A double keyboarded entry terminal for use in entering money transactions between customer and vendor in conjunction with a central computer, banks, and credit card companies, with physical and/or electronic security features which preclude access to secr...
06/28/1977
3970992Transaction terminal with unlimited range of functions
A user transaction terminal which may be connected for communication with a large scale data processing system includes a card handling subsystem which receives and transports user information cards; a user communication subsystem which includes a keyboar...
07/20/1976
3949364Automatic remote banking system and equipment
A banking system, equipment and operations are provided which dispense cash at an unmanned station from a money vault unit at a remote station to a customer who verifies his identity at the unmanned station. The system and equipment also may accept deposi...
04/06/1976
3943335Automatic banking equipment
Automatic banking system equipment which presents at a remote customer station a unit enabling a customer to carry out any one of a number of banking services, such as depositing, making payments of various types, transferring funds between accounts, or w...
03/09/1976
3941977Off-line cash dispenser and banking system
A method and apparatus for automatically dispensing cash and performing other transactions relating to customer accounts. A magnetic card reader reads coded information into the system from a credit card which information identifies the account of the use...
03/02/1976
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