US Patent No: 4,321,672
Number of patents in Portfolio can not be more than 2000
Financial data processing system
Stats
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Mar 23, 1982
Issued date -
Nov 26, 1979
filing date -
06/097,400
serial no -
Expired
status
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Abstract
Methods and systems for effecting a variety of electronic funds transfer transactions are based upon the use of unit records containing preprinted non-machine readable data, preprinted machine readable data, and manually entered data, and conversion of such records from negotiable instruments to documentary evidence of the satisfactory completion of the transaction. By first automatically reading the encoded data on the unit record and incorporating transaction data and security information in messages transmitted from a terminal, a financial institution can verify the validity of the transaction, effect the transaction and return an authorization message containing both reference and transaction information for imprinting on the unit record. The record then evidences the satisfactory completion of the transaction, and no further document generation or handling are needed at the merchant and financial institutions involved. The record is capable of usage as a conventional negotiable instrument if terminal facilities are inoperable or not available.
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First Claim
Related Publications
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- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
| Patent Owner | Address | Total Patents |
|---|---|---|
| FIRST DATA CORPORATION | ENGLEWOOD, CO | 367 |
International Classification(s)
- [Classification Symbol]
- [Patents Count]
Inventor(s)
| Inventor Name | Address | # of filed Patents | Total Citations |
|---|---|---|---|
| Braun, Edward L | Gainesville, FL | 4 | 589 |
| Thomson, Eric A | Newport Beach, CA | 3 | 1032 |
Cited Art
| Patent Info | (Count) | # Cites | Year |
|---|---|---|---|
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| 2005/0169,530 Obstacle detection device and method therefor | 2005 | ||
Patent Citation Ranking
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| Patent Info | (Count) | # Cites | Year |
|---|---|---|---|
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| 7,809,636 System and method for multicurrency and multibank processing over a non-secure network | 0 | 1999 | |
| 7,945,492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents | 0 | 2000 | |
| 7,805,365 Automated statement presentation, adjustment and payment system and method therefor | 16 | 2000 | |
| 7,068,832 Lockbox imaging system | 27 | 2000 | |
| 6,867,789 System and method for generating graphical user interfaces | 15 | 2000 | |
| 7,831,508 System and method for implementing a consolidated application process | 1 | 2000 | |
| 7,058,817 System and method for single sign on process for websites with multiple applications and services | 37 | 2000 | |
| 7,747,866 System and method providing improved error detection related to transmission of data over a communication link | 4 | 2000 | |
| 8,015,084 System and method for linked account having sweep feature | 0 | 2000 | |
| 7,321,864 System and method for providing funding approval associated with a project based on a document collection | 43 | 2000 | |
| 7,584,125 Electronic check presentment system and method having an item sequence capability | 2 | 2000 | |
| 7,822,656 International banking system and method | 1 | 2001 | |
| 7,580,890 System and method for supervising account management operations | 2 | 2001 | |
| 7,246,263 System and method for portal infrastructure tracking | 12 | 2001 | |
| 7,103,576 System for providing cardless payment | 9 | 2001 | |
| 7,099,850 Methods for providing cardless payment | 11 | 2001 | |
| 8,285,641 System and method for selectable funding of electronic transactions | 0 | 2001 | |
| 8,438,086 System and method for providing customers with seamless entry to a remote server | 0 | 2001 | |
| 7,987,501 System and method for single session sign-on | 1 | 2001 | |
| 7,941,533 System and method for single sign-on session management without central server | 2 | 2002 | |
| 7,546,272 Trade receivable processing method and apparatus | 16 | 2002 | |
| 7,454,373 System and method for providing automated database assistance to financial service operators | 0 | 2002 | |
| 7,246,324 Method and system for data capture with hidden applets | 10 | 2002 | |
| 7,689,482 System and method for payer (buyer) defined electronic invoice exchange | 13 | 2002 | |
| 7,519,560 System and method for electronic authorization of batch checks | 15 | 2002 | |
| 7,437,327 Method and system for buyer centric dispute resolution in electronic payment system | 23 | 2002 | |
| 7,401,048 System and method for trade settlement tracking and relative ranking | 40 | 2002 | |
| 7,536,354 Methods for electronic multiparty accounts receivable and accounts payable systems | 58 | 2002 | |
| 7,689,506 System and method for rapid updating of credit information | 6 | 2002 | |
| 7,143,174 Method and system for delayed cookie transmission in a client-server architecture | 3 | 2002 | |
| 7,587,363 System and method for optimized funding of electronic transactions | 57 | 2002 | |
| 7,472,171 Method and system for determining receipt of a delayed cookie in a client-server architecture | 9 | 2002 | |
| 8,266,437 Electronic vouchers and a system and method for issuing the same | 0 | 2002 | |
| 7,860,789 Multiple account advanced payment card and method of routing card transactions | 6 | 2002 | |
| 7,058,660 System and method for network-based project management | 3 | 2002 | |
| 7,689,504 System and method for establishing or modifying an account with user selectable terms | 19 | 2002 | |
| 8,301,493 System and method for providing incentives to consumers to share information | 0 | 2002 | |
| 7,801,816 System and method for currency selectable stored value instrument | 1 | 2003 | |
| 7,627,521 System and method for processing mircotransactions | 8 | 2003 | |
| 7,676,431 Method and system for processing internet payments using the electronic funds transfer network | 7 | 2003 | |
| 7,428,531 Customer information management system and method | 2 | 2003 | |
| 7,769,650 Network-based sub-allocation systems and methods for swaps | 12 | 2003 | |
| 7,353,383 System and method for single session sign-on with cryptography | 16 | 2003 | |
| 7,899,753 Systems and methods for time variable financial authentication | 2 | 2003 | |
| 8,306,907 System and method for offering risk-based interest rates in a credit instrument | 1 | 2003 | |
| 7,376,838 Method for controlled and audited access to privileged accounts on computer systems | 6 | 2003 | |
| 7,421,696 Methods and systems for managing successful completion of a network of processes | 1 | 2004 | |
| 7,742,997 System and method for management and delivery of content and rules | 5 | 2004 | |
| 8,190,893 Portable security transaction protocol | 0 | 2004 | |
| 8,290,862 Method and system for expediting payment delivery | 0 | 2004 | |
| 7,613,656 Coupon payment system | 0 | 2004 | |
| 7,983,468 Method and system for extracting information from documents by document segregation | 0 | 2005 | |
| 7,380,707 Method and system for credit card reimbursements for health care transactions | 57 | 2005 | |
| 7,756,896 System and method for multi-dimensional risk analysis | 19 | 2005 | |
| 7,360,686 Method and system for discovering significant subsets in collection of documents | 1 | 2005 | |
| 8,121,944 Method and system for facilitating network transaction processing | 1 | 2005 | |
| 7,676,409 Method and system for emulating a private label over an open network | 22 | 2005 | |
| 8,185,877 System and method for testing applications | 5 | 2005 | |
| 7,822,684 Personalized bank teller machine | 4 | 2005 | |
| 7,373,304 System and method for integrated customer management | 3 | 2005 | |
| 7,269,567 System and method for integrated customer management | 2 | 2005 | |
| 8,290,863 Method and system for expediting payment delivery | 0 | 2005 | |
| 7,783,578 System for providing cardless payment | 1 | 2006 | |
| 7,461,265 System and method for single sign on process for websites with multiple applications and services | 10 | 2006 | |
| 7,444,672 System and method for single sign on process for websites with multiple applications and services | 15 | 2006 | |
| 7,784,682 System and method for granting promotional rewards to both customers and non-customers | 2 | 2006 | |
| 7,822,682 System and method for enhancing supply chain transactions | 33 | 2006 | |
| 7,317,823 Lockbox imaging system | 42 | 2006 | |
| 7,753,259 System and method for granting promotional rewards to both customers and non-customers | 16 | 2006 | |
| 7,406,426 System and method for integrated customer management | 5 | 2006 | |
| 7,660,764 Service charge adjustment platform | 0 | 2006 | |
| 7,801,814 System and method for selectable funding of electronic transactions | 9 | 2006 | |
| 7,734,545 Method and system for processing recurring payments | 14 | 2006 | |
| 8,301,529 Method and system for implementing effective governance of transactions between trading partners | 0 | 2006 | |
| 8,145,522 System and method for establishing or modifying an account with user selectable terms | 0 | 2006 | |
| 7,366,698 Trade receivable processing method and apparatus | 5 | 2006 | |
| 7,966,496 System and method for single sign on process for websites with multiple applications and services | 1 | 2006 | |
| 8,296,160 System and method for integrated customer management | 0 | 2006 | |
| 8,335,855 System and method for portal infrastructure tracking | 0 | 2007 | |
| 8,185,940 System and method for providing discriminated content to network users | 1 | 2007 | |
| 8,020,754 System and method for funding a collective account by use of an electronic tag | 3 | 2007 | |
| 7,685,013 System and method for automatic financial project management | 5 | 2007 | |
| 7,916,925 System and method for generating magnetic ink character recognition (MICR) testing documents | 1 | 2007 | |
| 7,471,818 Lockbox imaging system | 22 | 2007 | |
| 8,118,216 Method and system for discovering significant subsets in collection of documents | 0 | 2007 | |
| 8,033,451 System and method for funding a collective account by use of an electronic tag | 0 | 2007 | |
| 7,680,735 Trade receivable processing method and apparatus | 13 | 2007 | |
| 7,766,244 System and method for processing transactions using a multi-account transactions device | 14 | 2007 | |
| 7,707,089 Method and system for automating fraud authorization strategies | 4 | 2008 | |
| 7,743,979 Method and system for credit card reimbursements for health care transactions | 14 | 2008 | |
| 7,660,765 System and method for processing microtransactions | 6 | 2008 | |
| 7,890,422 Multiple account advanced payment card and method of routing card transactions | 9 | 2008 | |
| 8,112,355 Method and system for buyer centric dispute resolution in electronic payment system | 0 | 2008 | |
| 8,391,584 Method and system for duplicate check detection | 0 | 2008 | |
| 7,668,363 Lockbox imaging system | 14 | 2008 | |
| 8,321,682 System and method for generating and managing administrator passwords | 2009 | ||
| 8,078,528 System and method for providing borrowing schemes | 3 | 2009 | |
| 7,926,711 System and method for granting promotional rewards to both customers and non-customers | 3 | 2009 | |
| 8,190,522 System and method for providing borrowing schemes | 0 | 2009 | |
| 7,962,409 Method and system for processing internet payments using the electronic funds transfer network | 1 | 2009 | |
| 8,065,231 Trade receivable processing method and apparatus | 0 | 2009 | |
| 8,408,455 System and method for granting promotional rewards to both customers and non-customers | 0 | 2009 | |
| 8,160,960 System and method for rapid updating of credit information | 1 | 2009 | |
| 8,386,381 Method and system for detecting, monitoring and addressing data compromises | 0 | 2009 | |
| 8,045,784 Lockbox imaging system | 4 | 2010 | |
| 8,170,936 Method and system for emulating a private label over an open network | 0 | 2010 | |
| 8,032,438 Method and system for automating fraud authorization strategies | 0 | 2010 | |
| 7,904,388 Method and system for processing recurring payments | 0 | 2010 | |
| 8,015,096 Network-based sub-allocation systems and methods for swaps | 0 | 2010 | |
| 8,160,942 Billing workflow system for crediting charges to entities creating derivatives exposure | 0 | 2010 | |
| 8,380,597 International banking system and method | 0 | 2010 | |
| 8,121,385 System and method for generating magnetic ink character recognition (MICR) testing documents | 0 | 2011 | |
| 8,190,521 Method for processing internet point of sale payment using automated teller machine switch settlement | 0 | 2011 | |
| 8,175,967 Method for processing internet point of sale payment using automated teller machine switch settlement | 0 | 2011 | |
| 8,175,968 Method and system for processing internet payments using the electronic funds transfer network | 0 | 2011 | |
| 8,244,625 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms | 0 | 2011 | |
| 8,429,072 System and method for processing microtransactions | 0 | 2011 | |
| 8,429,069 System and method for processing microtransactions | 0 | 2011 | |
| 8,266,054 System and method for implementing a consolidated application process | 0 | 2012 | |
| 8,396,798 Method and system for facilitating network transaction processing | 0 | 2012 | |
| 8,433,652 Method and system for processing internet payments using the electronic funds transfer network | 0 | 2012 | |
| D678653 Drive-up financial transaction machine | 0 | 2012 | |
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| 6,363,164 Automated document processing system using full image scanning | 207 | 1997 | |
| 6,318,537 Currency processing machine with multiple internal coin receptacles | 146 | 2000 | |
| 6,637,576 Currency processing machine with multiple internal coin receptacles | 43 | 2000 | |
| 7,000,828 Remote automated document processing system | 81 | 2001 | |
| 7,647,275 Automated payment system and method | 47 | 2001 | |
| 7,187,795 Document processing system using full image scanning | 64 | 2001 | |
| 6,650,767 Automated deposit processing system and method | 77 | 2002 | |
| 6,665,431 Automated document processing system using full image scanning | 76 | 2002 | |
| 6,647,136 Automated check processing system and method | 79 | 2002 | |
| 6,603,872 Automated document processing system using full image scanning | 83 | 2002 | |
| 6,731,786 Document processing method and system | 74 | 2002 | |
| 6,724,926 Networked automated document processing system and method | 80 | 2002 | |
| 6,724,927 Automated document processing system with document imaging and value indication | 77 | 2002 | |
| 6,996,263 Network interconnected financial document processing devices | 91 | 2002 | |
| 6,678,401 Automated currency processing system | 82 | 2002 | |
| 6,654,486 Automated document processing system | 74 | 2002 | |
| 6,810,137 Automated document processing system and method | 76 | 2002 | |
| 6,678,402 Automated document processing system using full image scanning | 85 | 2002 | |
| 6,778,693 Automatic currency processing system having ticket redemption module | 88 | 2002 | |
| 7,200,255 Document processing system using full image scanning | 101 | 2003 | |
| 7,349,566 Image processing network | 69 | 2003 | |
| 7,903,863 Currency bill tracking system | 16 | 2003 | |
| 7,873,576 Financial document processing system | 18 | 2003 | |
| 8,125,624 Automated document processing system and method | 11 | 2005 | |
| 7,602,956 Document processing system using full image scanning | 37 | 2005 | |
| 7,620,231 Document processing system using full image scanning | 50 | 2005 | |
| 7,599,543 Document processing system using full image scanning | 37 | 2005 | |
| 7,778,456 Automatic currency processing system having ticket redemption module | 32 | 2006 | |
| 7,362,891 Automated document processing system using full image scanning | 42 | 2006 | |
| 7,929,749 System and method for saving statistical data of currency bills in a currency processing device | 17 | 2006 | |
| 7,946,406 Coin processing device having a moveable coin receptacle station | 3 | 2006 | |
| 7,366,338 Automated document processing system using full image scanning | 36 | 2006 | |
| 7,882,000 Automated payment system and method | 17 | 2007 | |
| 7,391,897 Automated check processing system with check imaging and accounting | 59 | 2007 | |
| 8,352,322 Automated document processing system using full image scanning | 0 | 2007 | |
| 8,346,610 Automated document processing system using full image scanning | 0 | 2007 | |
| 7,949,582 Machine and method for redeeming currency to dispense a value card | 16 | 2007 | |
| 7,619,721 Automated document processing system using full image scanning | 40 | 2007 | |
| 7,542,598 Automated check processing system with check imaging and accounting | 51 | 2008 | |
| 8,204,293 Document imaging and processing system | 15 | 2008 | |
| 8,380,573 Document processing system | 0 | 2008 | |
| 7,980,378 Systems, apparatus, and methods for currency processing control and redemption | 4 | 2009 | |
| 8,103,084 Document processing system using full image scanning | 10 | 2009 | |
| 8,041,098 Document processing system using full image scanning | 10 | 2009 | |
| 7,881,519 Document processing system using full image scanning | 16 | 2009 | |
| 8,437,528 Apparatus and system for imaging currency bills and financial documents and method for using the same | 0 | 2010 | |
| 8,437,529 Apparatus and system for imaging currency bills and financial documents and method for using the same | 0 | 2010 | |
| 8,437,530 Apparatus and system for imaging currency bills and financial documents and method for using the same | 0 | 2010 | |
| 8,437,532 Apparatus and system for imaging currency bills and financial documents and method for using the same | 0 | 2010 | |
| 8,433,123 Apparatus and system for imaging currency bills and financial documents and method for using the same | 0 | 2010 | |
| 8,428,332 Apparatus and system for imaging currency bills and financial documents and method for using the same | 0 | 2010 | |
| 8,417,017 Apparatus and system for imaging currency bills and financial documents and method for using the same | 0 | 2010 | |
| 8,162,125 Apparatus and system for imaging currency bills and financial documents and method for using the same | 15 | 2010 | |
| 8,391,583 Apparatus and system for imaging currency bills and financial documents and method for using the same | 0 | 2010 | |
| 8,126,793 Automated payment system and method | 6 | 2010 | |
| 8,169,602 Automated document processing system and method | 7 | 2011 | |
| 8,396,278 Document processing system using full image scanning | 0 | 2011 | |
| 8,437,531 Check and U.S. bank note processing device and method | 0 | 2011 | |
| 8,339,589 Check and U.S. bank note processing device and method | 0 | 2011 | |
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| 7,165,052 Payment service method and system | 15 | 2001 | |
| 7,606,734 Wide area network person-to-person payment | 5 | 2001 | |
| 7,613,653 Money order debit from stored value fund | 0 | 2001 | |
| 7,398,252 Automated group payment | 23 | 2001 | |
| 7,266,533 Electronic gift greeting | 12 | 2001 | |
| 7,158,955 Electronic identifier payment systems and methods | 37 | 2001 | |
| 7,596,529 Buttons for person to person payments | 0 | 2002 | |
| 7,107,249 Electronic identifier payment systems and methods | 56 | 2002 | |
| 7,096,205 Systems and methods for enrolling consumers in goods and services | 7 | 2002 | |
| 7,600,673 Systems and methods for performing transactions at a point-of-sale | 4 | 2002 | |
| 7,086,584 Systems and methods for configuring a point-of-sale system | 33 | 2002 | |
| 6,886,742 Systems and methods for deploying a point-of sale device | 95 | 2002 | |
| 6,827,260 Systems and methods for utilizing a point-of-sale system | 106 | 2002 | |
| 7,130,817 Electronic gift linking | 10 | 2002 | |
| 8,374,962 Stored value payouts | 0 | 2003 | |
| 8,244,632 Automated transfer with stored value | 0 | 2003 | |
| 7,124,936 Point of sale payment terminal | 7 | 2003 | |
| 7,184,989 Staged transactions systems and methods | 11 | 2003 | |
| 8,086,539 Value processing network and methods | 0 | 2003 | |
| 7,103,577 Systems and methods for staging transactions, payments and collections | 14 | 2003 | |
| 7,117,183 Airline ticket payment and reservation system and methods | 13 | 2004 | |
| 7,917,395 Wireless network access prepayment systems and methods | 0 | 2004 | |
| 8,015,085 System for distributing funds | 11 | 2004 | |
| 7,641,109 Money transfer cards, systems and methods | 2 | 2005 | |
| 7,392,940 In-lane money transfer systems and methods | 1 | 2005 | |
| 7,540,410 Point of sale payment terminal | 0 | 2006 | |
| 8,150,763 Systems and methods for staging transactions, payments and collections | 0 | 2006 | |
| 7,506,809 Systems and methods for configuring a point-of-sale system | 1 | 2006 | |
| 7,512,552 Electronic gift linking | 6 | 2006 | |
| 7,930,216 Method for making an online payment through a payment enabler system | 0 | 2006 | |
| 8,345,931 Biometric based authorization systems for electronic fund transfers | 0 | 2006 | |
| 7,933,835 Secure money transfer systems and methods using biometric keys associated therewith | 1 | 2007 | |
| 7,908,179 Electronic gift linking | 1 | 2007 | |
| 7,716,128 Electronic indentifier payment systems and methods | 1 | 2007 | |
| 7,753,267 In-lane money transfer systems and methods | 1 | 2008 | |
| 8,024,229 Wide area network person-to-person payment | 1 | 2008 | |
| 7,941,342 Wide area network person-to-person payment | 0 | 2008 | |
| 7,941,346 Wide area network person-to-person payment | 0 | 2008 | |
| 7,937,292 Wide area network person-to-person payment | 5 | 2008 | |
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| 7,133,845 System and methods for secure transaction management and electronic rights protection | 71 | 1999 | |
| 7,069,451 Systems and methods for secure transaction management and electronic rights protection | 46 | 1999 | |
| 7,133,846 Digital certificate support system, methods and techniques for secure electronic commerce transaction and rights management | 87 | 1999 | |
| 7,165,174 Trusted infrastructure support systems, methods and techniques for secure electronic commerce transaction and rights management | 55 | 1999 | |
| 7,092,914 Methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information | 32 | 2000 | |
| 7,430,670 Software self-defense systems and methods | 45 | 2000 | |
| 7,143,290 Trusted and secure techniques, systems and methods for item delivery and execution | 26 | 2000 | |
| 7,062,500 Techniques for defining, using and manipulating rights management data structures | 64 | 2000 | |
| 7,095,854 Systems and methods for secure transaction management and electronic rights protection | 29 | 2000 | |
| 6,948,070 Systems and methods for secure transaction management and electronic rights protection | 86 | 2000 | |
| 7,076,652 Systems and methods for secure transaction management and electronic rights protection | 79 | 2001 | |
| 7,120,800 Systems and methods for secure transaction management and electronic rights protection | 67 | 2001 | |
| 7,120,802 Systems and methods for using cryptography to protect secure computing environments | 22 | 2001 | |
| 7,124,302 Systems and methods for secure transaction management and electronic rights protection | 71 | 2001 | |
| 7,143,066 Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information | 50 | 2002 | |
| 7,110,983 Methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information | 41 | 2002 | |
| 6,938,021 Methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information | 96 | 2002 | |
| 8,307,212 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels | 0 | 2003 | |
| 7,100,199 Systems and methods for secure transaction management and electronic rights protection | 39 | 2003 | |
| 7,415,617 Trusted infrastructure support systems, methods and techniques for secure electronic commerce, electronic transactions, commerce process control and automation, distributed computing, and rights management | 39 | 2004 | |
| 7,392,395 Trusted and secure techniques, systems and methods for item delivery and execution | 11 | 2005 | |
| 7,281,133 Trusted and secure techniques, systems and methods for item delivery and execution | 17 | 2005 | |
| 7,844,835 Systems and methods for secure transaction management and electronic rights protection | 4 | 2005 | |
| 8,185,473 Trusted infrastructure support systems, methods and techniques for secure electronic commerce, electronic transactions, commerce process control and automation, distributed computing, and rights management | 1 | 2006 | |
| 7,917,749 Systems and methods for secure transaction management and electronic rights protection | 0 | 2006 | |
| 7,925,898 Systems and methods using cryptography to protect secure computing environments | 1 | 2006 | |
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| 8,351,677 Systems and methods for remote deposit of checks | 0 | 2006 | |
| 7,885,451 Systems and methods for displaying negotiable instruments derived from various sources | 11 | 2006 | |
| 7,876,949 Systems and methods for remote deposit of checks | 10 | 2006 | |
| 7,873,200 Systems and methods for remote deposit of checks | 10 | 2006 | |
| 8,433,127 Systems and methods for real-time validation of check image quality | 0 | 2007 | |
| 8,358,826 Systems and methods for receiving and orienting an image of one or more checks | 0 | 2007 | |
| 8,046,301 Systems and methods to modify a negotiable instrument | 10 | 2007 | |
| 8,001,051 Systems and methods to modify a negotiable instrument | 11 | 2007 | |
| 7,996,314 Systems and methods to modify a negotiable instrument | 9 | 2007 | |
| 7,996,315 Systems and methods to modify a negotiable instrument | 9 | 2007 | |
| 7,996,316 Systems and methods to modify a negotiable instrument | 10 | 2007 | |
| 8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument | 2007 | ||
| 8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument | 0 | 2007 | |
| 7,900,822 Systems, methods, and apparatus for receiving images of one or more checks | 10 | 2007 | |
| 7,896,232 Systems, methods, and apparatus for receiving images of one or more checks | 11 | 2007 | |
| 8,351,678 Duplicate check detection | 0 | 2008 | |
| 8,422,758 Systems and methods of check re-presentment deterrent | 0 | 2008 | |
| 7,974,899 Atomic deposit transaction | 25 | 2008 | |
| 7,962,411 Atomic deposit transaction | 25 | 2008 | |
| 7,885,880 Atomic deposit transaction | 26 | 2008 | |
| 8,391,599 Systems and methods for adaptive binarization of an image | 0 | 2008 | |
| 7,970,677 Systems and methods for financial deposits by electronic message | 11 | 2008 | |
| 8,392,332 Systems and methods for remote deposit of checks | 0 | 2010 | |
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| 6,269,348 Tokenless biometric electronic debit and credit transactions | 202 | 1999 | |
| 6,230,148 Tokenless biometric electric check transaction | 121 | 1999 | |
| 6,154,879 Tokenless biometric ATM access system | 195 | 1999 | |
| 6,397,198 Tokenless biometric electronic transactions using an audio signature to identify the transaction processor | 85 | 1999 | |
| 7,613,659 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse | 35 | 1999 | |
| 7,882,032 System and method for tokenless biometric authorization of electronic communications | 9 | 2000 | |
| 6,950,810 Tokenless biometric electronic financial transactions via a third party identicator | 17 | 2000 | |
| 6,879,966 Tokenless biometric electronic financial transactions via a third party identicator | 31 | 2001 | |
| 6,581,042 Tokenless biometric electronic check transactions | 48 | 2001 | |
| 7,565,329 Biometric financial transaction system and method | 12 | 2001 | |
| 6,662,166 Tokenless biometric electronic debit and credit transactions | 131 | 2001 | |
| 7,631,193 Tokenless identification system for authorization of electronic transactions and electronic transmissions | 12 | 2002 | |
| 6,920,435 Tokenless biometric electronic transactions using an audio signature to identify the transaction processor | 8 | 2002 | |
| 7,152,045 Tokenless identification system for authorization of electronic transactions and electronic transmissions | 55 | 2002 | |
| 7,620,605 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse | 13 | 2005 | |
| 7,536,352 Tokenless biometric electronic financial transactions via a third party identicator | 8 | 2005 | |
| 7,606,401 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse | 16 | 2005 | |
| 7,248,719 Tokenless electronic transaction system | 9 | 2005 | |
| 8,260,716 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse | 0 | 2005 | |
| 7,698,567 System and method for tokenless biometric electronic scrip | 6 | 2005 | |
| 7,558,407 Tokenless electronic transaction system | 11 | 2007 | |
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| 7,028,827 Coin counter/sorter and coupon/voucher dispensing machine and method | 31 | 1996 | |
| 6,854,581 Coin counter and voucher dispensing machine and method | 26 | 2002 | |
| 6,736,251 Coin counter and voucher dispensing machine and method | 27 | 2002 | |
| 8,033,375 Methods and systems for exchanging and/or transferring various forms of value | 0 | 2003 | |
| 7,865,432 Methods and systems for exchanging and/or transferring various forms of value | 0 | 2003 | |
| 7,653,599 Methods and systems for exchanging and/or transferring various forms of value | 9 | 2003 | |
| 6,758,316 Coin counter and voucher dispensing machine and method | 32 | 2003 | |
| 6,976,570 Coin counter and voucher dispensing machine and method | 26 | 2003 | |
| 7,131,580 Coin counter and voucher dispensing machine and method | 22 | 2005 | |
| 7,971,699 Coin counter/sorter and coupon/voucher dispensing machine and method | 0 | 2006 | |
| 7,464,802 Method and apparatus for conditioning coins prior to discrimination | 6 | 2006 | |
| 7,303,119 Coin counter and voucher dispensing machine and method | 20 | 2006 | |
| 7,520,374 Coin discrimination apparatus and method | 8 | 2007 | |
| 7,527,193 Coin counter and voucher dispensing machine and method | 3 | 2007 | |
| 8,332,313 Methods and systems for exchanging and/or transferring various forms of value | 0 | 2008 | |
| 7,874,478 Coin counter and voucher dispensing machine and method | 5 | 2009 | |
| 8,103,586 Methods and systems for exchanging and/or transferring various forms of value | 2 | 2009 | |
| 8,024,272 Methods and systems for exchanging/transferring gift cards | 3 | 2010 | |
| 8,229,851 Methods and systems for exchanging/transferring gift cards | 0 | 2011 | |
|
|
|||
| 7,340,423 Method for defining a relationship between an account and a group | 4 | 1999 | |
| 7,076,465 Methods for processing a group of accounts corresponding to different products | 37 | 1999 | |
| 7,050,996 Method for linking accounts corresponding to different products together to create a group | 47 | 1999 | |
| 6,993,510 System and method for managing accounts | 20 | 2002 | |
| 7,949,594 Systems and methods for participant controlled communications regarding financial accounts | 0 | 2003 | |
| 7,707,110 System and method for conducting transactions with different forms of payment | 1 | 2004 | |
| 7,831,519 Methods and systems for electromagnetic initiation of secure transactions | 0 | 2004 | |
| 7,463,946 Mail handling equipment and methods | 3 | 2005 | |
| 7,587,342 Method for requesting and receiving an online payment through a payment enabler system | 0 | 2006 | |
| 7,783,571 ATM system for receiving cash deposits from non-networked clients | 29 | 2007 | |
| 7,813,982 Unit-based prepaid presentation instrument accounts and methods | 1 | 2007 | |
| 7,610,222 Method for providing a money transfer service through a payment enabler system | 6 | 2007 | |
| 8,073,736 Systems and methods for redeeming rewards associated with accounts | 0 | 2007 | |
| 8,095,113 Onetime passwords for smart chip cards | 0 | 2009 | |
| 8,346,611 Systems and methods for pre-paid futures procurement | 0 | 2009 | |
|
|
|||
| 4,751,640 Automated investment system | 199 | 1984 | |
| 5,453,601 Electronic-monetary system | 595 | 1991 | |
| 5,898,154 System and method for updating security information in a time-based electronic monetary system | 115 | 1995 | |
| 5,455,407 Electronic-monetary system | 344 | 1995 | |
| 5,799,087 Electronic-monetary system | 196 | 1995 | |
| 6,047,067 Electronic-monetary system | 224 | 1997 | |
| 5,963,648 Electronic-monetary system | 178 | 1997 | |
| 5,920,629 Electronic-monetary system | 247 | 1997 | |
| 6,122,625 Apparatus and method for secure transacting | 230 | 1998 | |
| 6,047,887 System and method for connecting money modules | 39 | 1998 | |
| 6,868,408 Security systems and methods applicable to an electronic monetary system | 25 | 2000 | |
|
|
|||
| 4,871,085 Apparatus for identifying and indicating the content of document canisters | 20 | 1986 | |
| 6,042,003 Lighting system for automated banking machine | 3 | 1998 | |
| 6,749,111 Automated banking machine | 15 | 2001 | |
| 7,433,844 Automated banking machine currency tracking method | 0 | 2002 | |
| 7,028,888 Automated banking machine currency tracking system | 14 | 2002 | |
| 6,981,638 Automated banking machine | 0 | 2004 | |
| 7,584,883 Check cashing automated banking machine | 1 | 2005 | |
| 7,513,417 Automated banking machine | 1 | 2005 | |
| 7,559,460 Automated banking machine | 0 | 2005 | |
| 7,721,949 Check accepting and cash dispensing automated banking machine system and method | 1 | 2006 | |
| 8,042,733 Automated banking machine that operates responsive to data bearing records | 0 | 2010 | |
|
|
|||
| 7,689,826 Flexibly loading a tamper resistant module | 3 | 2007 | |
| 7,584,358 Tamper resistant module certification authority | 3 | 2007 | |
| 7,734,923 Key transformation unit for a tamper resistant module | 4 | 2007 | |
| 7,523,495 Methods and systems for IC card application loading | 2 | 2007 | |
| 7,730,311 Key transformation unit for a tamper resistant module | 4 | 2007 | |
| 7,707,408 Key transformation unit for a tamper resistant module | 4 | 2007 | |
| 7,669,055 Key transformation unit for a tamper resistant module | 5 | 2007 | |
| 7,730,312 Tamper resistant module certification authority | 3 | 2007 | |
| 7,702,908 Tamper resistant module certification authority | 3 | 2007 | |
|
|
|||
| 7,240,031 Bill payment system and method with a master merchant database | 17 | 2000 | |
| 7,213,003 Bill payment system and method utilizing bank routing numbers | 14 | 2000 | |
| 7,107,244 Bill payment system and method with merchant information | 20 | 2001 | |
| 7,933,826 Check metaphor for electronic payment authorization | 0 | 2001 | |
| 7,853,524 Systems and methods for risk based determination of a form for crediting a payee on behalf of a payer | 5 | 2001 | |
| 7,702,585 Methods and systems for the determination and display of payment lead time in an electronic payment system | 4 | 2006 | |
| 8,165,956 Bill availability notification and billing information request | 0 | 2011 | |
|
|
|||
| 5,623,547 Value transfer system | 112 | 1995 | |
| 6,220,510 Multi-application IC card with delegation feature | 134 | 1998 | |
| 6,164,549 IC card with shell feature | 45 | 1998 | |
| 6,328,217 Integrated circuit card with application history list | 10 | 1998 | |
| 6,742,120 System and method for controlling access to computer code in an IC card | 70 | 1998 | |
| 6,736,325 Codelets | 4 | 1999 | |
| 6,761,319 Configuration of IC card | 9 | 2001 | |
|
|
|||
| 7,680,738 System and method for executing cash payments via a computer network | 2 | 2001 | |
| 7,500,598 Negotiable instruments and systems and processing same | 1 | 2003 | |
| 7,861,923 Negotiable instruments and systems and processing same | 1 | 2008 | |
| 7,890,404 System and method for executing cash payment via a computer network | 0 | 2010 | |
| 8,417,607 System and method for executing cash payments via a computer network | 0 | 2010 | |
| 8,083,132 Negotiable instruments and systems and processing same | 0 | 2010 | |
|
|
|||
| 6,149,056 Automatic check cashing using biometric identification verification | 192 | 1997 | |
| 6,145,738 Method and apparatus for automatic check cashing | 142 | 1997 | |
| 6,045,039 Cardless automated teller transactions | 200 | 1997 | |
| 6,786,398 Method and apparatus for automatic cashing of a negotiable instrument | 74 | 2000 | |
| 6,286,756 Cardless automated teller transactions | 106 | 2000 | |
| 6,695,204 Method and apparatus for automatic check cashing | 40 | 2000 | |
|
|
|||
| 5,963,647 Method and system for transferring funds from an account to an individual | 183 | 1997 | |
| 7,792,753 System and method for image depositing, image presentment and deposit taking in a commercial environment | 12 | 1999 | |
| 7,502,752 System and method for delivering financial services | 4 | 2000 | |
| 8,065,226 Method and system for performing a cash transaction with a self-service financial transaction terminal | 1 | 2001 | |
| 8,204,830 Global method and system for providing enhanced transactional functionality through a customer terminal | 0 | 2011 | |
| 8,364,589 Method and system for performing a cash transaction with a self-service financial transaction terminal | 0 | 2011 | |
|
|
|||
| 7,181,430 Method and system for processing financial instrument deposits physically remote from a financial institution | 46 | 2000 | |
| 7,216,106 Method and system for processing financial instrument deposits physically remote from a financial institution | 65 | 2000 | |
| 7,386,511 Methods and systems for processing financial instrument deposits | 57 | 2003 | |
| 7,440,924 Method and system for processing financial instrument deposits physically remote from a financial institution | 30 | 2004 | |
| 7,624,071 Method and system for processing financial instrument deposits physically remote from a financial institution | 3 | 2008 | |
| 8,126,809 Method and system for processing financial instrument deposits physically remote from a financial institution | 0 | 2009 | |
|
|
|||
| 6,575,372 Secure multi-application IC card system having selective loading and deleting capability | 16 | 1998 | |
| 6,385,723 Key transformation unit for an IC card | 56 | 1998 | |
| 6,488,211 System and method for flexibly loading in IC card | 14 | 1998 | |
| 7,469,339 Secure multiple application card system and process | 4 | 2001 | |
| 6,659,354 Secure multi-application IC card system having selective loading and deleting capability | 8 | 2001 | |
| 6,742,715 System and method for flexibly loading an IC card | 9 | 2002 | |
|
|
|||
| 5,355,476 File update apparatus for generating a matrix representing a subset of files and the update correspondence between directories and files | 56 | 1991 | |
| 5,202,984 Apparatus and method for updating transaction file | 16 | 1992 | |
| 5,500,932 Slip output apparatus | 3 | 1993 | |
| 5,526,518 Data processing apparatus | 10 | 1993 | |
| 5,537,591 Method and apparatus for forming a file management system diagram | 16 | 1994 | |
|
|
|||
| 4,423,316 Automatic banking system | 43 | 1981 | |
| 4,423,313 Transaction processing system | 22 | 1982 | |
| 4,634,848 Card information selecting system | 47 | 1984 | |
| 4,736,094 Financial transaction processing system using an integrated circuit card device | 176 | 1985 | |
| 4,673,802 System for making payments for transactions | 84 | 1986 | |
|
|
|||
| 5,477,037 Financial document dispensing apparatus and method | 79 | 1994 | |
| 5,842,185 Method and system for electronically tracking financial transactions | 80 | 1994 | |
| 7,395,241 Consumer-directed financial transfers using automated clearinghouse networks | 35 | 2000 | |
| 7,720,760 Consumer-directed financial transfers using automated clearinghouse networks | 4 | 2008 | |
|
|
|||
| 5,870,724 Targeting advertising in a home retail banking delivery service | 358 | 1995 | |
| 6,202,054 Method and system for remote delivery of retail banking services | 299 | 1998 | |
| 7,076,458 Method and system for remote delivery of retail banking services | 58 | 2001 | |
| 7,693,790 Method and system for remote delivery of retail banking services | 7 | 2004 | |
|
|
|||
| 5,504,677 Automated payment system | 239 | 1992 | |
| 5,966,698 Automated payment system and method | 163 | 1996 | |
| 5,727,249 Automated payment system and method | 197 | 1996 | |
| 6,041,315 Automated payment system and method | 170 | 1997 | |
|
|
|||
| 4,742,457 System and method of investment management including means to adjust deposit and loan accounts for inflation | 179 | 1985 | |
| 5,832,461 System and method of investment management including means to adjust deposit and loan accounts for inflation | 55 | 1991 | |
| 6,052,673 Investment management | 122 | 1998 | |
| 8,121,924 Investment management | 0 | 2000 | |
|
|
|||
| 7,089,213 System and method for producing and verifying secure negotiable instruments | 2 | 2002 | |
| 7,133,844 System and method for producing and verifying secure negotiable instruments | 4 | 2002 | |
| 7,058,612 System and method for producing and verifying secure negotiable instruments | 4 | 2002 | |
|
|
|||
| 7,958,224 Incentive network for distributing incentives on a network-wide basis and for permitting user access to individual incentives from a plurality of network servers | 1 | 1999 | |
| 7,917,386 Virtual couponing method and apparatus for use with consumer kiosk | 12 | 1999 | |
| 8,219,651 Incentive network for distributing incentives on a network-wide basis and for permitting user access to individual incentives from a plurality of network servers | 0 | 2011 | |
|
|
|||
| 5,053,955 Process and apparatus for administering promotional mailings | 57 | 1989 | |
| 5,085,470 Combined post card and check | 40 | 1991 | |
| 5,321,604 Apparatus and process for administering promotional mailing | 29 | 1992 | |
|
|
|||
| 6,164,528 Check writing point of sale system | 160 | 1996 | |
| 6,283,366 Check writing point of sale system | 89 | 2000 | |
| RE40220 Check writing point of sale system | 20 | 2004 | |
|
|
|||
| 6,338,049 User-generated traveler's checks | 75 | 1997 | |
| 6,282,523 Method and apparatus for processing checks to reserve funds | 63 | 1998 | |
| 7,496,537 User-generated traveler's checks | 1 | 2001 | |
|
|
|||
| 6,760,470 Extraction of bank routing number from information entered by a user | 16 | 2000 | |
| 7,546,261 Extraction of bank routing number from information entered by a user | 0 | 2004 | |
|
|
|||
| 7,117,171 System and method for making a payment from a financial account | 9 | 2000 | |
| 6,862,578 System and method for making a payment from a financial account | 0 | 2000 | |
|
|
|||
| 5,193,057 Electronic income tax refund early payment system with means for creating of a new deposit account for receipt of an electronically transferred refund from the IRS | 55 | 1990 | |
| 5,724,523 Electronic income tax refund system utilizing the tax refund to underwrite issuance of a secured credit card | 63 | 1995 | |
|
|
|||
| 4,538,056 Card reader for time and attendance | 36 | 1985 | |
| 4,816,658 Card reader for security system | 42 | 1987 | |
|
|
|||
| 6,968,317 Method and apparatus for new accounts program | 21 | 2000 | |
| 7,778,902 Method and apparatus for a new accounts program | 1 | 2005 | |
|
|
|||
| 7,426,530 System and method for providing customers with seamless entry to a remote server | 22 | 2000 | |
| 7,756,816 System and method for network-based project management | 0 | 2005 | |
|
|
|||
| 6,704,714 Virtual private lock box | 151 | 2000 | |
| 6,609,113 Method and system for processing internet payments using the electronic funds transfer network | 309 | 2000 | |
|
|
|||
| 6,647,376 System and method for point-of-sale check authorization | 53 | 2000 | |
| 7,979,348 Payment identification code and payment system using the same | 1 | 2003 | |
|
|
|||
| 7,272,855 Unified monitoring and detection of intrusion attacks in an electronic system | 2 | 2000 | |
| 7,013,296 Using electronic security value units to control access to a resource | 13 | 2000 | |
|
|
|||
| 4,989,141 Computer system for financial analyses and reporting | 218 | 1987 | |
| 5,189,608 Method and apparatus for storing and generating financial information employing user specified input and output formats | 152 | 1990 | |
|
|
|||
| 5,774,663 Personal banker customer management system providing interactive video communication in real time concerning banking information | 58 | 1995 | |
| 8,024,269 Remote image capture with centralized processing and storage | 1 | 1999 | |
|
|
|||
| 8,127,985 Automated banking machine operated responsive to data bearing records | 0 | 2008 | |
| 8,413,890 Automated banking machine that operates responsive to data read from data bearing records | 0 | 2010 | |
|
|
|||
| 8,244,646 Systems and methods for determining estimated lead times | 1 | 2009 | |
| 8,433,659 Systems and methods for determining estimated lead times | 0 | 2012 | |
|
|
|||
| 5,265,033 ATM/POS based electronic mail system | 338 | 1991 | |
| 5,473,143 ATM/POS based electronic mail system | 271 | 1993 | |
|
|
|||
| 8,229,844 Method of billing a purchase made over a computer network | 0 | 2008 | |
| 8,190,513 Method of billing a purchase made over a computer network | 0 | 2008 | |
|
|
|||
| 4,482,802 Transaction handling system | 30 | 1982 | |
| 4,782,442 Time-sharing computer system operable in a host TSS mode and a terminal TSS mode | 23 | 1987 | |
|
|
|||
| 4,648,038 Methods and apparatus for restructuring debt obligations | 78 | 1984 | |
| 4,739,478 Methods and apparatus for restructuring debt obligations | 169 | 1986 | |
|
|
|||
| 8,365,987 Pre-allocated negotiable instrument and presentation instrument purchasing and activation systems and methods | 0 | 2007 | |
| 8,286,860 Negotiable instrument to presentation instrument value porting systems and methods | 0 | 2007 | |
|
|
|||
| 4,385,285 Check dispensing terminal | 133 | 1981 | |
| 7,383,213 Apparatus and method for maintaining a children's automated bank account | 5 | 2000 | |
|
|
|||
| D348872 Compact magnetic ink character recognition and magnetic stripe reader | 8 | 1993 | |
| 5,308,959 Magnetic stripe and magnetic ink character recognition reader | 10 | 1993 | |
|
|
|||
| 6,293,469 Transaction printer | 29 | 1996 | |
| 6,439,454 Transaction printer | 14 | 2000 | |
|
|
|||
| 7,565,311 Conversion engine and financial reporting system using the conversion engine | 1 | 2003 | |
| 8,311,908 Conversion engine and financial reporting system using the conversion engine | 0 | 2009 | |
|
|
|||
| 7,702,577 System and method for conversion of initial transaction to final transaction | 5 | 2004 | |
| 7,702,553 System and method for conversion of initial transaction to final transaction | 2 | 2008 | |
|
|
|||
| 8,335,745 Method and system for processing micropayment transactions | 0 | 2007 | |
| 8,280,788 Peer-to-peer and group financial management systems and methods | 0 | 2010 | |
|
|
|||
| 6,837,424 Cheque processor | 1 | 2002 | |
|
|
|||
| 6,038,553 Self service method of and system for cashing checks | 189 | 1997 | |
|
|
|||
| 4,714,989 Funtionally structured distributed data processing system | 58 | 1986 | |
|
|
|||
| 7,672,892 Real time network exchange with seller specified exchange parameters and interactive seller participation | 8 | 2000 | |
|
|
|||
| 4,890,228 Electronic income tax refund early payment system | 76 | 1988 | |
|
|
|||
| 5,287,269 Apparatus and method for accessing events, areas and activities | 324 | 1990 | |
|
|
|||
| 5,592,377 Check cashing system | 175 | 1995 | |
|
|
|||
| 7,257,246 Check cashing systems and methods | 14 | 2003 | |
|
|
|||
| 7,272,857 Method/system for preventing identity theft or misuse by restricting access | 9 | 2002 | |
|
|
|||
| 7,953,660 Method and system for payment processing | 0 | 2001 | |
|
|
|||
| 4,914,587 Financial data processing system with distributed data input devices and method of use | 90 | 1987 | |
|
|
|||
| 8,112,330 System and method for delivering financial services | 0 | 2000 | |
|
|
|||
| 8,234,215 Method for prepaid debit card with overdraft capabilities | 1 | 2006 | |
|
|
|||
| 6,725,220 System and method for integrating paper-based business documents with computer-readable data entered via a computer network | 22 | 2001 | |
|
|
|||
| 6,843,418 System and method for processing currency bills and documents bearing barcodes in a document processing device | 70 | 2002 | |
|
|
|||
| 4,636,947 ATM task scheduling system for simultaneous peripheral device transactions processing | 50 | 1984 | |
|
|
|||
| 7,962,517 Simultaneous real-time access to financial information | 1 | 2010 | |
|
|
|||
| 7,054,830 System and method for incentive programs and award fulfillment | 44 | 1999 | |
|
|
|||
| 5,426,281 Transaction protection system | 291 | 1993 | |
|
|
|||
| 4,903,201 Automated futures trading exchange | 768 | 1983 | |
|
|
|||
| 7,653,234 Method for communicating and matching electronic files for financial transactions | 1 | 2006 | |
|
|
|||
| 6,990,224 Method and system for communicating and matching electronic files for financial transactions | 7 | 2003 | |
|
|
|||
| 7,458,507 ATM machine and methods with currency conversion capabilities | 14 | 2007 | |
|
|
|||
| 7,219,832 ATM machine and methods with currency conversion capabilities | 6 | 2005 | |
|
|
|||
| 5,898,155 Automated teller machine including medium issuing apparatus for issuing supplementary information | 5 | 1995 | |
|
|
|||
| 7,574,405 Apparatus and method for verifying source of funds regarding financial transactions | 0 | 2004 | |
|
|
|||
| 4,686,357 Method for confirming settled check cards and check card drawing apparatus | 68 | 1985 | |
|
|
|||
| 7,383,242 Computer-implemented method and apparatus for item processing | 0 | 2001 | |
|
|
|||
| 5,778,350 Data collection, processing, and reporting system | 53 | 1995 | |
|
|
|||
| 4,727,243 Financial transaction system | 309 | 1984 | |
|
|
|||
| 5,175,682 Check system and method including prioritizing checks for transmission to banks for processing | 256 | 1990 | |
|
|
|||
| 6,801,658 Business form handling method and system for carrying out the same | 11 | 2002 | |
|
|
|||
| 4,390,968 Automated bank transaction security system | 69 | 1980 | |
|
|
|||
| 4,532,416 Transaction terminal with simplified data entry | 54 | 1983 | |
|
|
|||
| 4,626,844 Addressable electronic switch | 14 | 1983 | |
|
|
|||
| 4,529,870 Cryptographic identification, financial transaction, and credential device | 368 | 1982 | |
|
|
|||
| 6,856,965 Method and apparatus for automatic check cashing | 40 | 1999 | |
|
|
|||
| 7,072,868 Methods and systems for negotiable-instrument fraud prevention | 1 | 2003 | |
|
|
|||
| 5,202,549 Transaction machine having lighted user prompts | 36 | 1991 | |
|
|
|||
| 6,189,785 Demand deposit account data processing system | 122 | 1998 | |
|
|
|||
| 4,630,201 On-line and off-line transaction security system using a code generated from a transaction parameter and a random number | 304 | 1984 | |
|
|
|||
| 7,392,386 Setuid-filter method for providing secure access to a credentials store for computer systems | 0 | 2004 | |
|
|
|||
| 5,010,485 Apparatus, system and method for creating credit vouchers usable at point of purchase stations | 174 | 1989 | |
|
|
|||
| 7,814,003 Billing workflow system for crediting charges to entities creating derivatives exposure | 0 | 2004 | |
|
|
|||
| 5,936,219 Electronic payment system using check identifier and issue time for illegal acts detection | 52 | 1996 | |
|
|
|||
| 5,452,439 Keyboard tutoring system | 5 | 1992 | |
|
|
|||
| 4,648,037 Method and apparatus for benefit and financial communication | 140 | 1984 | |
|
|
|||
| 4,625,276 Data logging and transfer system using portable and resident units | 221 | 1983 | |
|
|
|||
| 6,442,533 Multi-processing financial transaction processing system | 69 | 1998 | |
|
|
|||
| 7,752,116 Liquidity engine for futures trading exchange | 15 | 2002 | |
|
|
|||
| 7,103,579 Internet based check cashing and clearing method, apparatus and article of manufacture | 16 | 2000 | |
|
|
|||
| 6,336,103 Rapid method of analysis for correlation of asset return to future financial liabilities | 60 | 1989 | |
|
|
|||
| 5,193,055 Accounting system | 43 | 1991 | |
|
|
|||
| 7,822,657 Automated accounting system | 3 | 2001 | |
|
|
|||
| 6,904,411 Multi-processing financial transaction processing system | 12 | 2002 | |
|
|
|||
| 4,992,647 Ticket processing terminal device which accepts previously issued tickets for modification or exchange | 42 | 1988 | |
|
|
|||
| 7,970,678 Biometric financial transaction system and method | 1 | 2009 | |
|
|
|||
| 7,266,839 System and method for providing discriminated content to network users | 15 | 2001 | |
|
|
|||
| 5,163,098 System for preventing fraudulent use of credit card | 93 | 1990 | |
|
|
|||
| 5,077,607 Cable television transaction terminal | 233 | 1989 | |
|
|
|||
| 7,045,394 Method of manufacturing semiconductor device and system of manufacturing semiconductor device | 1 | 2004 | |
|
|
|||
| 4,611,286 Cash accounting system | 17 | 1985 | |
|
|
|||
| 4,877,946 Card issuance apparatus with cancellation mode | 10 | 1986 | |
|
|
|||
| 7,730,310 Key transformation unit for a tamper resistant module | 4 | 2007 | |
|
|
|||
| 7,805,344 System providing methodology for consolidation of financial information | 2 | 2004 | |
|
|
|||
| 4,694,397 Banking/brokerage computer interface system | 244 | 1984 | |
|
|
|||
| 8,429,080 System and method for reordering checks | 0 | 2012 | |
|
|
|||
| 4,683,536 Product sales data processing system for on-line connection to host CPU | 50 | 1985 | |
|
|
|||
| 6,644,546 System and method for electronic check conversion at a point-of-sale terminal | 17 | 2002 | |
|
|
|||
| 7,792,717 Waterfall prioritized payment processing | 38 | 2004 | |
|
|
|||
| 7,949,587 Systems and methods for financial deposits by electronic message | 10 | 2008 | |
|
|
|||
| 7,555,156 Method and system for online communication between a check sorter and a check processing system | 0 | 2005 | |
|
|
|||
| 7,827,108 System and method of validating a relationship between a user and a user account at a financial institution | 0 | 2008 | |
|
|
|||
| 6,189,009 System and method for integrating paper-based business documents with computer-readable data entered via a computer network | 51 | 1999 | |
|
|
|||
| 5,952,638 Space efficient method of electronic payments | 58 | 1996 | |
|
|
|||
| 6,061,660 System and method for incentive programs and award fulfillment | 428 | 1998 | |
|
|
|||
| 4,637,634 Two-part bank draft | 15 | 1985 | |
| 4,630,844 Two-step bank draft | 18 | 1985 | |
| 4,675,515 Drive-through credit card payment device | 74 | 1986 | |
| 4,823,265 Renewable option accounting and marketing system | 297 | 1987 | |
| 4,810,866 Check validation/check writing system | 61 | 1987 | |
| RE34872 Drive-through credit card payment device | 11 | 1989 | |
| 5,093,787 Electronic checkbook with automatic reconciliation | 122 | 1990 | |
| 5,285,384 Payroll trust check system | 22 | 1993 | |
| 6,464,134 System and method for verifying the authenticity of a check and authorizing payment thereof | 69 | 1999 | |
| 6,808,109 System and method for verifying the authenticity of a check and authorizing payment thereof | 13 | 2002 | |
| 7,788,184 Method for preventing identity theft | 1 | 2005 | |
| 7,155,614 System and method for single sign on process for websites with multiples applications and services | 11 | 2006 | |
| 7,717,333 Method and means for registering a debit card | 0 | 2006 | |
| 7,267,264 System and method for verifying the authenticity of a check and authorizing payment thereof | 2 | 2006 | |
| 7,708,201 System and method for verifying the authenticity of a check and authorizing payment thereof | 0 | 2007 | |
| 8,447,670 Universal payment protection | 0 | 2009 | |
| 8,447,641 System and method for automatically enrolling buyers into a network | 0 | 2010 | |
| 8,447,672 Universal payment protection | 0 | 2011 | |
| 8,442,296 Check and U.S. bank note processing device and method | 0 | 2011 | |
Maintenance Fees
| Fee | Large entity fee | small entity fee | micro entity fee | due date |
|---|
| Fee | Large entity fee | small entity fee | micro entity fee |
|---|---|---|---|
| Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
| Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |