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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: 3285
Last issue date: 02/14/2012


1                      
NumberTitleIssue Date
8113419Processing device for value documents
An apparatus for processing documents of value having a checking device for checking documents of value in a processing area, an intermediate repository arranged in an intermediate area for intermediately storing documents of value, a transport device for transporti...
02/14/2012
8113420Check receiving device and method of automatic teller machine
A check receiving device of an automatic teller machine having a receiving unit and a storage unit to accumulate the check unit includes a first transfer unit having inspection devices installed along a transferring; a second transfer unit communicated with an end o...
02/14/2012
RE43157System and method for reassociating an account number to another transaction account
A method and system for converting a first transaction account device to a second transaction account device wherein a card number associated with, or defined as, a first transaction account (e.g., stored value account) is re-associated with, or re-defined as, a sec...
02/07/2012
8104674Automated banking machine that operates responsive to data bearing records
A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The automated b...
01/31/2012
8104675Systems and methods for risk triggering values
The invention includes systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) stored within a distributed (e.g., local and/or regional) processing site. An RTV is a condensed version of ...
01/31/2012
8104673Method and system for processing image returns
Method and system for processing image returns. Embodiments of the invention provide for automating data flow and reporting processes connected with administrate image returns to a financial institution with multiple image processing sites. A computer-implemented me...
01/31/2012
8100323Apparatus and method for verifying components of an ATM
An automated banking machine is provided which may comprise a trusted platform (TP) including a trusted platform module (TPM) in a computer of the machine. Through use of the TP, the machine may perform cryptographic functions for use in enabling the machine to perf...
01/24/2012
8096466Transaction recordal system
A system for recording a transaction relating to a security document, the security document having disposed thereon or therein coded data including a number of coded data portions. Each coded data portion is indicative of at least an identity of the security documen...
01/17/2012
8091778Banking system computer determines nearest bank able to process a customer's transaction request, provides directions to the bank, and sends transaction request information and customer's image to the bank before the customer arrives at the bank
A banking system computer can receive a transaction request from a remotely located customer, and then determine the nearest bank in the banking system that is able to process the transaction request. The computer then provides the customer with directions to the ba...
01/10/2012
8091777Monitoring apparatus
A monitoring apparatus for monitoring open/close statuses of open/close portions (5) of multiple money processing machines (1) includes: a reader monitoring apparatus (3) which monitors open/close status of the open/close portion (5) of e...
01/10/2012
8087580Method and apparatus for multi-language user selection and currency conversion
A method and apparatus for facilitating a business transaction wherein a merchant/operator is presented with transaction-related information in the operator's preferred language and currency, wherein the customer is presented with transaction-related information in ...
01/03/2012
8087581Banknote handling device
In addition to storing cassettes (16a) to (16f) that store banknotes that are dispensed when money is normally dispensed, a bait money storing portion (14) is provided that stores bait money serving as an emergency banknote to be d...
01/03/2012
8087582Method 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...
01/03/2012
8083131Banking apparatus operated responsive to data bearing records
An automated banking machine controlled responsive to data bearing records 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....
12/27/2011
8083132Negotiable instruments and systems and processing same
There is provided a check with additional data capture capability that in conjunction with a linked transaction card provides substantially complete coverage for card holders to conduct transactions with merchants for the payment of goods and services. The additiona...
12/27/2011
8079512Automated banking machine operated responsive to data bearing records
An automated banking machine is operative to carry out transactions using data read from user cards through operation of a card reader. The automated banking machine includes a chest portion, with a moveable door. A cash dispenser extends in the chest portion. The c...
12/20/2011
8074872Payment terminal, and associated method and program
An electronic payment terminal includes a data entry device, a processor and a memory. The memory contains a structure arranged to list at least one customer identifier, a personal identification number and an amount, all associated. The memory also contains a progr...
12/13/2011
8074873Systems and methods to perform credit valuation adjustment analyses
Systems and methods are provided to perform credit valuation adjustment analyses. ...
12/13/2011
8074871Methods and systems for validating negotiable instruments
Methods and systems for validating a negotiable instrument. One method can include obtaining an electronic image of the negotiable instrument, electronically determining a first value and a second value of the negotiable instrument based on the electronic image, and...
12/13/2011
8066180Card processor
From the detection result of a sensor for detecting a card, whether or not the card exists in the inside, and whether or not the card exists in a return area are determined, respectively, and in the state where it is determined that the card exists in the inside, if...
11/29/2011
8061592Overdraft threshold analysis and decisioning
Systems and methods of providing for processing a banking transaction, such as a debit card transaction, with an overdraft threshold. If a transaction drives an associated account to a negative balance, the amount of the transaction may be compared to an overdraft t...
11/22/2011
8061590Privacy-enabled keypad
A privacy-enabled keypad comprising: a keypad; an opaque shield upstanding around the keypad for restricting viewing of the keypad to a user of the keypad; and at least one illumination source disposed on a portion of the shield facing the keypad, and oriented to il...
11/22/2011
8061591Apparatus controlled responsive to data bearing records
A system controlled by 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 machine...
11/22/2011
8061593Banking system that operates during different transaction sessions to provide a particular individual the next predetermined presentation in a marketing campaign preassigned to the particular and individual prior to the sessions
An automated transaction machine includes a card reader that can read a unique magnetic characteristic of a magnetic stripe on a card. The machine can then send data reflective of the read characteristic to a remote card validator. The card validator can compare the...
11/22/2011
8052041Method of operation of card activated automated banking machine
A system controlled by 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 machine...
11/08/2011
8052047Automated banking machine that operates responsive to data bearing records
An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user cards. The card data corresponds to financial accounts. The automated b...
11/08/2011
8052042Automated banking system controlled responsive to data bearing records
A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including financial account data, and causes operation of an automated banking machine to carry out financial transactions responsive to...
11/08/2011
8052040Negotiable instrument with fraud protection
A negotiable instrument with fraud and identity theft protection and method of use is provided. The method includes step accepting a negotiable instrument having a pre-printed bar code, reading the bar code on a negotiable instrument using a bar code scanner, and re...
11/08/2011
8052048Automated banking machine that operates responsive to data bearing records
An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user cards. The card data corresponds to financial accounts. The automated b...
11/08/2011
8052043Banking system controlled responsive to data bearing records
An automated banking machine is controlled responsive to data bearing records. The machine operates using data read from user cards by a card reader. The machine includes a housing, a fascia connected with the housing and movable between a secure closed position adj...
11/08/2011
8052045Check accepting and cash dispensing automated banking machine system and method
An automated banking machine system and method includes automated banking machines that operate responsive to data bearing records and accept checks and dispense cash to users. The automated banking machines are operated to acquire image and magnetic data from depos...
11/08/2011
8052044Automated banking machine currency cassette with RFID tag
An ATM currency cassette includes an RFID tag. The tag includes information about the cassette, such as the cassette serial number and the currency denomination. An ATM includes a tag reader that can interrogate the tag to receive the information. The history of a p...
11/08/2011
8052049Automated banking machine that operates responsive to data bearing records
An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user cards. The card data corresponds to financial accounts. The automated b...
11/08/2011
8052050Card 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 bankin...
11/08/2011
8052051Banking system controlled responsive to data bearing records
An automated banking machine operates to carry out financial transactions for authorized machine users responsive to user data read from data bearing records. The user data comprises card data and/or biometric data which corresponds to a financial account. A user fa...
11/08/2011
8052046Check accepting and cash dispensing automated banking machine system and method
A card actuated automated banking machine system and method accepts checks and dispenses cash to users. The banking machine is operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to rec...
11/08/2011
8047428Cash transaction machine
Provided is a cash transaction machine including a temporary stack portion. The cash transaction machine includes: a carriage receiving a paper medium stacked in the temporary stack portion; a driving belt transferring the carriage to a medium outlet; a pressing bel...
11/01/2011
8047427Currency recycler reconcilement activity
A currency handling system, for example, a currency recycler or depository machine, may be configured to process currency transactions, including receiving one or more currency deposits. The currency recycler may attempt to accept and validate the currency received ...
11/01/2011
8047425Stored-value product with housed article
A stored-value card includes an aromatic item, a housing, and an activation area. The housing substantially encloses the aromatic item, and the housing is configured to be selectively closed and opened to provide access to the aromatic item. The activation area link...
11/01/2011
8047430Account administration plans and systems
A computer system for facilitating payments from an account according to particular embodiments of the invention is adapted for: (1) facilitating the transmission, to a plan service provider, of a first set of documentation of a first payment that would potentially ...
11/01/2011
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