US Patent No: 4,321,672

Number of patents in Portfolio can not be more than 2000

Financial data processing system

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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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

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Patent Owner(s)

Patent OwnerAddressTotal Patents
FIRST DATA CORPORATIONENGLEWOOD, CO442

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Braun, Edward L 4169 Via Marinia, #412, Marina del Rey, CA 90291 3 747
Thomson, Eric A No. 7 Harrisburg, Irvine, CA 92714 3 1333

Cited Art Landscape

Patent Info (Count) # Cites Year
 
VERIZON PATENT AND LICENSING INC. (1)
* 2005/0021,713 Intelligent network 41 2004
* Cited By Examiner

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (40)
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6,990,224 Method and system for communicating and matching electronic files for financial transactions 10 2003
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7,698,567 System and method for tokenless biometric electronic scrip 16 2005
7,970,678 Biometric financial transaction system and method 8 2009
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8,452,680 Biometric financial transaction system and method 0 2011
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* 2002/0152,176 Automated group payment 16 2001
7,266,533 Electronic gift greeting 18 2001
* 2002/0138,363 Electronic gift greeting 7 2001
7,158,955 Electronic identifier payment systems and methods 65 2001
* 2002/0143,706 Electronic identifier payment system and methods 12 2001
7,596,529 Buttons for person to person payments 6 2002
* 2003/0154,164 Buttons for person to person payments 67 2002
7,107,249 Electronic identifier payment systems and methods 104 2002
7,096,205 Systems and methods for enrolling consumers in goods and services 12 2002
* 2002/0178,025 Systems and methods for enrolling consumers in goods and services 20 2002
7,600,673 Systems and methods for performing transactions at a point-of-sale 53 2002
7,086,584 Systems and methods for configuring a point-of-sale system 57 2002
* 6,886,742 Systems and methods for deploying a point-of sale device 140 2002
* 6,827,260 Systems and methods for utilizing a point-of-sale system 159 2002
* 2003/0222,135 Systems and methods for configuring a point-of-sale system 35 2002
* 2002/0153,414 Systems and methods for performing transactions at a point-of-sale 128 2002
* 2002/0156,683 Systems and methods for utilizing a point-of-sale system 21 2002
7,130,817 Electronic gift linking 22 2002
* 2003/0130,907 Electronic gift linking 21 2002
8,374,962 Stored value payouts 0 2003
8,244,632 Automated transfer with stored value 0 2003
* 2003/0135,459 Stored value payouts 125 2003
7,124,936 Point of sale payment terminal 7 2003
* 2003/0111,529 Point of sale payment terminal 12 2003
7,184,989 Staged transactions systems and methods 13 2003
* 2004/0030,647 Staged transactions systems and methods 10 2003
8,086,539 Value processing network and methods 2 2003
* 2004/0059,672 Wide area network person-to-person payment 61 2003
7,103,577 Systems and methods for staging transactions, payments and collections 28 2003
* 2004/0107,165 Systems and methods for staging transactions, payments and collections 12 2003
7,117,183 Airline ticket payment and reservation system and methods 27 2004
7,917,395 Wireless network access prepayment systems and methods 0 2004
8,015,085 System for distributing funds 33 2004
7,641,109 Money transfer cards, systems and methods 11 2005
7,392,940 In-lane money transfer systems and methods 3 2005
* 2006/0261,150 Money transfer cards, systems and methods 9 2005
* 2006/0261,151 In-lane money transfer systems and methods 1 2005
8,672,220 Money transfer system and method 1 2005
* 2007/0075,129 Money transfer system and method 1 2005
8,706,640 Systems and methods for enrolling consumers in goods and services 0 2006
* 2007/0016,489 Systems and methods for enrolling consumers in goods and serivces 3 2006
7,540,410 Point of sale payment terminal 2 2006
9,129,464 Staged transactions systems and methods 0 2006
8,150,763 Systems and methods for staging transactions, payments and collections 0 2006
* 2007/0100,746 SYSTEMS AND METHODS FOR STAGING TRANSACTIONS, PAYMENTS AND COLLECTIONS 24 2006
7,506,809 Systems and methods for configuring a point-of-sale system 3 2006
* 2007/0029,376 Systems and methods for configuring a point-of-sale system 6 2006
8,515,874 Airline ticket payment and reservation system and methods 1 2006
* 2007/0016,523 AIRLINE TICKET PAYMENT AND RESERVATION SYSTEM AND METHODS 6 2006
7,512,552 Electronic gift linking 22 2006
7,930,216 Method for making an online payment through a payment enabler system 3 2006
8,345,931 Biometric based authorization systems for electronic fund transfers 1 2006
* 2007/0208,662 BIOMETRIC BASED AUTHORIZATION SYSTEMS FOR ELECTRONIC FUND TRANSFERS 12 2006
8,818,904 Generation systems and methods for transaction identifiers having biometric keys associated therewith 1 2007
7,933,835 Secure money transfer systems and methods using biometric keys associated therewith 10 2007
* 2008/0169,345 Generation Systems And Methods For Transaction Identifiers Having Biometric Keys Associated Therewith 45 2007
* 2007/0214,091 ELECTRONIC PAYMENT INSTRUMENT SYSTEM AND METHOD 5 2007
8,504,473 Money transfer system and messaging system 4 2007
* 2008/0243,690 Money Transfer System And Messaging System 5 2007
7,908,179 Electronic gift linking 2 2007
7,716,128 Electronic indentifier payment systems and methods 3 2007
* 2008/0140,531 ELECTRONIC IDENTIFIER PAYMENT SYSTEMS AND METHODS 4 2007
7,753,267 In-lane money transfer systems and methods 5 2008
8,024,229 Wide area network person-to-person payment 4 2008
7,941,342 Wide area network person-to-person payment 1 2008
7,941,346 Wide area network person-to-person payment 0 2008
7,937,292 Wide area network person-to-person payment 9 2008
* 2009/0094,149 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 2 2008
* 2009/0089,210 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 2 2008
* 2009/0048,967 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 2 2008
8,960,537 Money transfer systems and methods 0 2012
8,837,784 Biometric based authorization systems for electronic fund transfers 0 2012
8,851,371 In-lane money transfer systems and methods 0 2013
8,762,267 Money transfer system and messaging system 0 2013
9,384,476 Money transfer system and method 0 2014
9,123,044 Generation systems and methods for transaction identifiers having biometric keys associated therewith 0 2014
 
HITACHI, LTD. (2)
* 4,482,802 Transaction handling system 40 1982
* 4,782,442 Time-sharing computer system operable in a host TSS mode and a terminal TSS mode 23 1987
 
VOICE.COM, INC. THE (1)
6,189,009 System and method for integrating paper-based business documents with computer-readable data entered via a computer network 63 1999
 
YOU TECHNOLOGY, INC. (1)
9,165,323 Biometric transaction system and method 0 2012
 
Intellect Investments B.V. (1)
* 2002/0111,900 Method and system for financing an order via the internet 0 2001
 
United States Automobile Association (USAA) (1)
7,949,587 Systems and methods for financial deposits by electronic message 31 2008
 
DIEBOLD, INCORPORATED (17)
* 4,871,085 Apparatus for identifying and indicating the content of document canisters 20 1986
* 6,042,003 Lighting system for automated banking machine 4 1998
* 6,749,111 Automated banking machine 16 2001
* 2002/0033,359 Automated banking machine 24 2001
7,433,844 Automated banking machine currency tracking method 1 2002
* 7,028,888 Automated banking machine currency tracking system 64 2002
* 2003/0116,478 Automated banking machine currency tracking method 67 2002
* 2003/0085,271 Automated banking machine currency tracking system 18 2002
6,981,638 Automated banking machine 0 2004
7,584,883 Check cashing automated banking machine 2 2005
* 2006/0038,005 Check cashing automated banking machine 0 2005
7,513,417 Automated banking machine 5 2005
* 2006/0086,784 Automated banking machine 1 2005
7,559,460 Automated banking machine 1 2005
* 2007/0102,863 Automated banking machine 36 2005
* 7,721,949 Check accepting and cash dispensing automated banking machine system and method 2 2006
* 8,042,733 Automated banking machine that operates responsive to data bearing records 1 2010
 
United Services Auto Association (USAA) (1)
8,538,124 Systems and methods for real-time validation of check image quality 2 2007
 
MONDEX INTERNATIONAL LIMITED (7)
* 5,623,547 Value transfer system 158 1995
6,220,510 Multi-application IC card with delegation feature 161 1998
* 6,164,549 IC card with shell feature 57 1998
6,328,217 Integrated circuit card with application history list 15 1998
6,742,120 System and method for controlling access to computer code in an IC card 84 1998
6,736,325 Codelets 6 1999
6,761,319 Configuration of IC card 22 2001
 
CITICORP DEVELOPMENT CENTER, INC. (4)
8,065,226 Method and system for performing a cash transaction with a self-service financial transaction terminal 1 2001
* 2002/0069,170 Method and system for performing a cash transaction with a self-service financial transaction terminal 17 2001
8,364,589 Method and system for performing a cash transaction with a self-service financial transaction terminal 0 2011
8,554,672 Method and system for performing a cash transaction with a self-service financial transaction terminal 0 2012
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (5)
* 8,127,985 Automated banking machine operated responsive to data bearing records 1 2008
* 2010/0230,486 Automated banking machine that operates responsive to data bearing records 1 2010
* 8,413,890 Automated banking machine that operates responsive to data read from data bearing records 2 2010
* 8,403,205 Automated banking machine that operates responsive to data read from data bearing records 0 2010
* 9,299,227 Automated banking machine that operates responsive to data read from data bearing records 0 2015
 
KABUSHIKI KAISHA TOSHIBA (1)
* 5,936,219 Electronic payment system using check identifier and issue time for illegal acts detection 90 1996
 
Cummins-Allison Corp. (114)
* 6,363,164 Automated document processing system using full image scanning 298 1997
6,318,537 Currency processing machine with multiple internal coin receptacles 209 2000
6,637,576 Currency processing machine with multiple internal coin receptacles 94 2000
7,000,828 Remote automated document processing system 135 2001
7,647,275 Automated payment system and method 111 2001
7,187,795 Document processing system using full image scanning 111 2001
* 2002/0020,603 System and method for processing currency bills and substitute currency media in a single device 159 2001
6,650,767 Automated deposit processing system and method 126 2002
6,665,431 Automated document processing system using full image scanning 122 2002
6,647,136 Automated check processing system and method 128 2002
6,603,872 Automated document processing system using full image scanning 131 2002
6,731,786 Document processing method and system 119 2002
6,724,926 Networked automated document processing system and method 128 2002
6,724,927 Automated document processing system with document imaging and value indication 122 2002
6,996,263 Network interconnected financial document processing devices 161 2002
6,678,401 Automated currency processing system 127 2002
6,654,486 Automated document processing system 119 2002
6,810,137 Automated document processing system and method 121 2002
6,678,402 Automated document processing system using full image scanning 212 2002
6,778,693 Automatic currency processing system having ticket redemption module 139 2002
* 2003/0081,824 Automatic currency processing system 238 2002
6,843,418 System and method for processing currency bills and documents bearing barcodes in a document processing device 116 2002
* 2004/0016,797 SYSTEM AND METHOD FOR PROCESSING CURRENCY BILLS AND DOCUMENTS BEARING BARCODES IN A DOCUMENT PROCESSING DEVICE 63 2002
7,200,255 Document processing system using full image scanning 181 2003
7,349,566 Image processing network 139 2003
7,903,863 Currency bill tracking system 73 2003
* 2004/0028,266 Currency bill tracking system 139 2003
7,873,576 Financial document processing system 61 2003
* 2004/0153,408 Financial document processing system 123 2003
* 2005/0169,511 Document processing system using primary and secondary pictorial image comparison 119 2004
8,125,624 Automated document processing system and method 59 2005
7,602,956 Document processing system using full image scanning 100 2005
7,620,231 Document processing system using full image scanning 113 2005
* 2006/0010,071 Document processing system using full image scanning 105 2005
7,599,543 Document processing system using full image scanning 100 2005
* 2005/0278,239 Document processing system using full image scanning 105 2005
7,778,456 Automatic currency processing system having ticket redemption module 93 2006
* 2007/0071,302 Automatic currency processing system 105 2006
7,362,891 Automated document processing system using full image scanning 87 2006
* 2006/0274,929 Automated document processing system using full image scanning 54 2006
7,929,749 System and method for saving statistical data of currency bills in a currency processing device 56 2006
7,946,406 Coin processing device having a moveable coin receptacle station 17 2006
* 2007/0119,681 Coin processing device having a moveable coin receptacle station 41 2006
7,366,338 Automated document processing system using full image scanning 78 2006
7,882,000 Automated payment system and method 56 2007
7,391,897 Automated check processing system with check imaging and accounting 122 2007
8,352,322 Automated document processing system using full image scanning 27 2007
8,346,610 Automated document processing system using full image scanning 26 2007
7,949,582 Machine and method for redeeming currency to dispense a value card 53 2007
* 2007/0221,470 Automated document processing system using full image scanning 95 2007
RE44252 Coin redemption system 5 2007
7,619,721 Automated document processing system using full image scanning 100 2007
* 2007/0258,633 Automated document processing system using full image scanning 78 2007
7,542,598 Automated check processing system with check imaging and accounting 112 2008
8,204,293 Document imaging and processing system 73 2008
8,380,573 Document processing system 27 2008
8,701,857 System and method for processing currency bills and tickets 6 2008
8,950,566 Apparatus, system and method for coin exchange 1 2008
7,980,378 Systems, apparatus, and methods for currency processing control and redemption 31 2009
* 2009/0320,106 SYSTEMS, APPARATUS, AND METHODS FOR CURRENCY PROCESSING CONTROL AND REDEMPTION 52 2009
* 8,103,084 Document processing system using full image scanning 47 2009
8,041,098 Document processing system using full image scanning 49 2009
7,881,519 Document processing system using full image scanning 54 2009
* 2010/0034,454 Document Processing System Using Full Image Scanning 62 2009
* 2009/0313,159 Document Processing System Using Full Image Scanning 65 2009
* 2009/0310,188 Document Processing System Using Full Image Scanning 64 2009
* 2010/0063,916 FINANCIAL DOCUMENT PROCESSING SYSTEM 65 2009
* 2010/0057,617 FINANCIAL DOCUMENT PROCESSING SYSTEM 64 2009
* 2010/0051,687 FINANCIAL DOCUMENT PROCESSING SYSTEM 66 2009
8,514,379 Automated document processing system and method 13 2009
* 2010/0092,065 AUTOMATED DOCUMENT PROCESSING SYSTEM AND METHOD 67 2009
8,538,123 Apparatus and system for imaging currency bills and financial documents and method for using the same 12 2010
8,478,019 Apparatus and system for imaging currency bills and financial documents and method for using the same 13 2010
8,478,020 Apparatus and system for imaging currency bills and financial documents and method for using the same 15 2010
8,467,591 Apparatus and system for imaging currency bills and financial documents and method for using the same 18 2010
8,437,528 Apparatus and system for imaging currency bills and financial documents and method for using the same 24 2010
8,437,529 Apparatus and system for imaging currency bills and financial documents and method for using the same 22 2010
8,437,530 Apparatus and system for imaging currency bills and financial documents and method for using the same 24 2010
8,437,532 Apparatus and system for imaging currency bills and financial documents and method for using the same 25 2010
8,433,123 Apparatus and system for imaging currency bills and financial documents and method for using the same 28 2010
* 8,428,332 Apparatus and system for imaging currency bills and financial documents and method for using the same 24 2010
8,417,017 Apparatus and system for imaging currency bills and financial documents and method for using the same 31 2010
8,162,125 Apparatus and system for imaging currency bills and financial documents and method for using the same 71 2010
8,391,583 Apparatus and system for imaging currency bills and financial documents and method for using the same 28 2010
8,627,939 Apparatus and system for imaging currency bills and financial documents and method for using the same 8 2010
8,126,793 Automated payment system and method 45 2010
* 2011/0087,599 AUTOMATED PAYMENT SYSTEM AND METHOD 53 2010
9,390,574 Document processing system 0 2011
8,929,640 Apparatus and system for imaging currency bills and financial documents and method for using the same 6 2011
8,169,602 Automated document processing system and method 44 2011
8,396,278 Document processing system using full image scanning 30 2011
8,442,296 Check and U.S. bank note processing device and method 21 2011
8,437,531 Check and U.S. bank note processing device and method 23 2011
8,339,589 Check and U.S. bank note processing device and method 28 2011
8,714,336 Apparatus and system for imaging currency bills and financial documents and method for using the same 8 2012
8,644,583 Apparatus and system for imaging currency bills and financial documents and method for using the same 8 2013
8,655,045 System and method for processing a deposit transaction 10 2013
9,141,876 Apparatus and system for processing currency bills and financial documents and method for using the same 1 2013
8,644,584 Apparatus and system for imaging currency bills and financial documents and method for using the same 8 2013
8,644,585 Apparatus and system for imaging currency bills and financial documents and method for using the same 8 2013
8,639,015 Apparatus and system for imaging currency bills and financial documents and method for using the same 8 2013
8,594,414 Apparatus and system for imaging currency bills and financial documents and method for using the same 9 2013
8,559,695 Apparatus and system for imaging currency bills and financial documents and method for using the same 10 2013
* 8,655,046 Apparatus and system for imaging currency bills and financial documents and method for using the same 10 2013
8,542,904 Apparatus and system for imaging currency bills and financial documents and method for using the same 12 2013
9,355,295 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,958,626 Apparatus and system for imaging currency bills and financial documents and method for using the same 2 2013
8,944,234 Apparatus and system for imaging currency bills and financial documents and method for using the same 2 2013
8,787,652 Apparatus and system for imaging currency bills and financial documents and method for using the same 7 2013
* 9,142,075 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
9,129,271 System and method for processing casino tickets 0 2014
8,948,490 Apparatus and system for imaging currency bills and financial documents and method for using the same 2 2014
9,189,780 Apparatus and system for imaging currency bills and financial documents and methods for using the same 0 2014
9,195,889 System and method for processing banknote and check deposits 0 2015
 
N—gine, LLC (1)
6,904,411 Multi-processing financial transaction processing system 15 2002
 
York Eggleston (1)
* 6,061,660 System and method for incentive programs and award fulfillment 602 1998
 
XIGN (1)
8,554,673 Methods and systems for discounts management 0 2004
 
MINERAL LASSEN LLC (4)
* 7,672,892 Real time network exchange with seller specified exchange parameters and interactive seller participation 10 2000
* 2002/0072,978 REAL TIME NETWORK EXCHANGE WITH SELLER SPECIFIED EXCHANGE PARAMETERS AND INTERACTIVE SELLER PARTICIPATION 26 2000
8,583,535 Operation of auctions over computer networks 0 2006
* 2007/0067,232 Method for computerized wagering 0 2006
 
CITICORP CREDIT SERVICES, INC. (USA) (8)
* 5,963,647 Method and system for transferring funds from an account to an individual 260 1997
7,792,753 System and method for image depositing, image presentment and deposit taking in a commercial environment 55 1999
7,502,752 System and method for delivering financial services 11 2000
8,543,982 Delivering financial services to remote devices 2 2007
9,378,490 System and method for image depositing, image presentment and deposit taking in a commercial environment 0 2010
* 2010/0306,111 System and Method For Image Depositing, Image Presentment and Deposit Taking in a Commercial Environment 8 2010
8,204,830 Global method and system for providing enhanced transactional functionality through a customer terminal 0 2011
9,129,279 Delivering financial services to remote devices 0 2013
 
CANON KABUSHIKI KAISHA (1)
* 2004/0207,707 Both-side recording apparatus 2 2004
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
* 5,202,549 Transaction machine having lighted user prompts 40 1991
 
U.S. BANK NATIONAL ASSOCIATION (2)
7,792,717 Waterfall prioritized payment processing 64 2004
8,620,786 System and method for waterfall prioritized payment processing 0 2010
 
Beneficial Management Corporation of America (1)
* 4,890,228 Electronic income tax refund early payment system 113 1988
 
DST Systems Inc. (2)
* 7,962,517 Simultaneous real-time access to financial information 2 2010
* 2011/0047,057 Simultaneous real-time access to financial information 1 2010
 
CISCO TECHNOLOGY, INC. (1)
* 5,077,607 Cable television transaction terminal 335 1989
 
CHECKFREE SERVICES CORPORATION (1)
* 7,953,660 Method and system for payment processing 4 2001
 
CHRYSLER FIRST FINANCIAL SERVICES CORPORATION (1)
* 4,914,587 Financial data processing system with distributed data input devices and method of use 106 1987
 
CHECKFREE CORPORATION (13)
7,240,031 Bill payment system and method with a master merchant database 27 2000
* 7,213,003 Bill payment system and method utilizing bank routing numbers 19 2000
7,107,244 Bill payment system and method with merchant information 26 2001
* 2001/0044,776 Bill payment system and method with merchant information 10 2001
7,933,826 Check metaphor for electronic payment authorization 1 2001
* 2002/0019,809 Check metaphor for electronic payment authorization 17 2001
7,853,524 Systems and methods for risk based determination of a form for crediting a payee on behalf of a payer 7 2001
* 2002/0062,282 Risk based payment method and system 32 2001
* 2004/0093,305 Electronic payments with risk based selection of type of debiting of the payer's deposit account 65 2003
7,702,585 Methods and systems for the determination and display of payment lead time in an electronic payment system 6 2006
* 2008/0133,405 METHODS AND SYSTEMS FOR THE DETERMINATION AND DISPLAY OF PAYMENT LEAD TIME IN AN ELECTRONIC PAYMENT SYSTEM 2 2006
* 2008/0133,407 Methods and Systems for Determining and Displaying Payment Options in an Electronic Payment System 16 2007
8,165,956 Bill availability notification and billing information request 0 2011
 
AUTOSCRIBE CORPORATION (6)
* 5,504,677 Automated payment system 319 1992
* 5,966,698 Automated payment system and method 210 1996
* 5,727,249 Automated payment system and method 245 1996
* 6,041,315 Automated payment system and method 227 1997
7,117,171 System and method for making a payment from a financial account 16 2000
6,862,578 System and method for making a payment from a financial account 0 2000
 
FUJITSU LIMITED (1)
* 5,898,155 Automated teller machine including medium issuing apparatus for issuing supplementary information 6 1995
 
J.P. MORGAN CHASE & CO. (1)
7,831,508 System and method for implementing a consolidated application process 1 2000
 
CORPORATE CLASS SOFTWARE, INC., A CORP OF DE (2)
* 4,989,141 Computer system for financial analyses and reporting 280 1987
* 5,189,608 Method and apparatus for storing and generating financial information employing user specified input and output formats 188 1990
 
FIRST DATA CORPORATION (55)
7,340,423 Method for defining a relationship between an account and a group 8 1999
* 7,076,465 Methods for processing a group of accounts corresponding to different products 65 1999
7,050,996 Method for linking accounts corresponding to different products together to create a group 78 1999
6,993,510 System and method for managing accounts 29 2002
* 2002/0198,806 Systems and methods for accessing and modifying usage parameters associated with a financial transaction account 96 2002
* 2004/0019,543 Systems and methods for non-account based liability reporting 16 2002
* 2004/0034,583 Systems and methods for performing electronic check commerce 13 2002
* 2004/0088,238 Method and system for monitoring electronic transactions 44 2002
* 2003/0120,571 Authorizing transactions associated with accounts 50 2002
* 2003/0212,620 Systems and methods for authorizing transactions 13 2003
* 2004/0006,537 Method and system for processing credit card related transactions 35 2003
* 2003/0171,992 System and methods for redeeming rewards associated with accounts 66 2003
* 2004/0039,693 Value processing network and methods 44 2003
7,949,594 Systems and methods for participant controlled communications regarding financial accounts 1 2003
* 2005/0080,691 Systems and methods for participant controlled communications regarding financial accounts 25 2003
* 2004/0148,203 Systems and methods for verifying medical insurance coverage 37 2003
* 2005/0177,494 Method and system for processing electronic financial transactions 39 2004
7,707,110 System and method for conducting transactions with different forms of payment 2 2004
* 2005/0261,968 System and method for conducting transactions with different forms of payment 25 2004
* 2005/0015,280 Health care eligibility verification and settlement systems and methods 85 2004
* 2005/0278,426 Systems and methods for merging communications 8 2004
7,831,519 Methods and systems for electromagnetic initiation of secure transactions 4 2004
* 2005/0137,986 Methods and systems for electromagnetic initiation of secure transactions 27 2004
* 2006/0253,321 Loyalty enrollment systems and methods 42 2005
* 2006/0253,320 Loyalty systems and methods 32 2005
7,463,946 Mail handling equipment and methods 7 2005
* 2005/0261,801 Mail handling equipment and methods 0 2005
8,751,250 Health care eligibility verification and settlement systems and methods 0 2005
* 2005/0288,964 Health care eligibility verification and settlement systems and methods 46 2005
* 2006/0036,543 Creating groups of linked accounts 65 2005
* 2005/0267,840 Methods for processing a group of accounts corresponding to different products 28 2005
* 2007/0078,781 Information access control 2 2006
* 2007/0198,338 Customer selected coalition systems and methods 10 2006
* 2007/0055,628 AUTHORIZING TRANSACTIONS ASSOCIATED WITH ACCOUNTS 3 2006
7,587,342 Method for requesting and receiving an online payment through a payment enabler system 7 2006
8,606,670 Integrated communication solution 0 2007
* 2008/0162,313 INTEGRATED COMMUNICATION SOLUTION 0 2007
8,606,631 Chasing rewards associated with accounts 0 2007
7,783,571 ATM system for receiving cash deposits from non-networked clients 43 2007
7,813,982 Unit-based prepaid presentation instrument accounts and methods 1 2007
* 2008/0195,497 Unit-Based Prepaid Presentation Instrument Accounts And Methods 0 2007
* 2008/0208,762 PAYMENTS USING A MOBILE COMMERCE DEVICE 156 2007
8,565,723 Onetime passwords for mobile wallets 0 2007
* 2008/0046,358 Methods For Processing A Group Of Accounts Corresponding To Different Products 73 2007
7,610,222 Method for providing a money transfer service through a payment enabler system 16 2007
8,073,736 Systems and methods for redeeming rewards associated with accounts 0 2007
* 2008/0097,856 SYSTEMS AND METHODS FOR REDEEMING REWARDS ASSOCIATED WITH ACCOUNTS 4 2007
* 2008/0091,540 SYSTEMS AND METHODS FOR REDEEMING REWARDS ASSOCIATED WITH ACCOUNTS 2 2007
* 2010/0048,226 MANAGING MOBILE MARKETING OFFERS 9 2008
* 2009/0048,688 Method and System for Monitoring Electronic Transactions 2 2008
* 2009/0024,495 Method and System for Monitoring Electronic Transactions 2 2008
8,095,113 Onetime passwords for smart chip cards 15 2009
* 2009/0200,371 ONETIME PASSWORDS FOR SMART CHIP CARDS 30 2009
8,346,611 Systems and methods for pre-paid futures procurement 0 2009
* 2010/0268,611 SYSTEMS AND METHODS FOR PRE-PAID FUTURES PROCUREMENT 1 2009
 
U.S. BANCORP LICENSING, INC. (2)
7,702,577 System and method for conversion of initial transaction to final transaction 21 2004
7,702,553 System and method for conversion of initial transaction to final transaction 16 2008
 
STEPNEXUS HOLDINGS, A CAYMAN ISLAND EXEMPTED LIMITED COMPANY (8)
6,575,372 Secure multi-application IC card system having selective loading and deleting capability 25 1998
6,385,723 Key transformation unit for an IC card 73 1998
6,488,211 System and method for flexibly loading in IC card 16 1998
7,469,339 Secure multiple application card system and process 5 2001
* 2001/0056,536 Secure multiple application card system and process 9 2001
6,659,354 Secure multi-application IC card system having selective loading and deleting capability 12 2001
6,742,715 System and method for flexibly loading an IC card 11 2002
* 2003/0024,980 System and method for flexibly loading an IC Card 3 2002
 
FIRST DATA RESOURCES INC. (1)
* 2004/0030,657 Financial transaction account usage parameter access and control method 53 2001
 
Trans Texas Holdings Corporation (4)
* 4,742,457 System and method of investment management including means to adjust deposit and loan accounts for inflation 205 1985
* 5,832,461 System and method of investment management including means to adjust deposit and loan accounts for inflation 66 1991
* 6,052,673 Investment management 171 1998
* 8,121,924 Investment management 2 2000
 
International Check Services (1)
6,189,785 Demand deposit account data processing system 170 1998
 
FIVE 2 SOLUTIONS LIMITED LIABILITY COMPANY (2)
* 5,265,033 ATM/POS based electronic mail system 481 1991
* 5,473,143 ATM/POS based electronic mail system 316 1993
 
ESPEED, INC. (1)
* 4,903,201 Automated futures trading exchange 1005 1983
 
CASIO COMPUTER CO., LTD. (5)
* 5,355,476 File update apparatus for generating a matrix representing a subset of files and the update correspondence between directories and files 57 1991
* 5,202,984 Apparatus and method for updating transaction file 16 1992
* 5,500,932 Slip output apparatus 5 1993
* 5,526,518 Data processing apparatus 10 1993
* 5,537,591 Method and apparatus for forming a file management system diagram 16 1994
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (3)
6,647,376 System and method for point-of-sale check authorization 72 2000
8,725,607 Electronic payment clearing and check image exchange systems and methods 1 2004
* 2005/0171,899 Electronic payment clearing and check image exchange systems and methods 76 2004
 
HITACHI-OMRON TERMINAL SOLUTIONS CORP. (2)
* 6,801,658 Business form handling method and system for carrying out the same 64 2002
* 2003/0076,995 Business form handling method and system for carrying out the same 1 2002
 
SYBASE, INC. (2)
7,805,344 System providing methodology for consolidation of financial information 4 2004
* 2005/0246,269 System Providing Methodology for Consolidation of Financial Information 19 2004
 
S.F. IP PROPERTIES 33 LLC (1)
* 5,163,098 System for preventing fraudulent use of credit card 109 1990
 
Selex Sistemi Integrati S.p.A. (1)
* 2011/0112,681 VALUABLE MEDIA HANDLING APPARATUS AND VALUABLE MEDIA HANDLING METHOD 0 2008
 
JP MORGAN CHASE (2)
7,814,003 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2004
* 2006/0095,374 System and method for supply chain financing 48 2005
 
NETDEPOSIT, LLC (1)
8,660,956 Method and system for processing financial instrument deposits physically remote from a financial institution 0 2011
 
SKYDECK CORPORATION (2)
7,028,827 Coin counter/sorter and coupon/voucher dispensing machine and method 53 1996
7,971,699 Coin counter/sorter and coupon/voucher dispensing machine and method 8 2006
 
Money Networks Financial, LLC (1)
8,700,507 Payer-based account porting to portable value distribution systems and methods 0 2007
 
Omron Tateisi Electronics Co. (5)
* 4,423,316 Automatic banking system 63 1981
* 4,423,313 Transaction processing system 31 1982
* 4,634,848 Card information selecting system 69 1984
* 4,736,094 Financial transaction processing system using an integrated circuit card device 223 1985
* 4,673,802 System for making payments for transactions 97 1986
 
Visa U.S.A. Inc. (3)
* 7,827,108 System and method of validating a relationship between a user and a user account at a financial institution 1 2008
* 2010/0131,408 System and Method of Validating a Relationship Between a User and a User Account at a Financial Institution 3 2008
* 2009/0271,315 PORTABLE DEVICE INCLUDING ALTERABLE INDICATOR 1 2009
 
GLORY KOGYO KABUSHIKI KAISHA (1)
* 4,686,357 Method for confirming settled check cards and check card drawing apparatus 103 1985
 
GLORY LTD. (1)
* 2011/0243,422 PAPER-SHEET PROCESSING APPARATUS AND PAPER-SHEET PROCESSING METHOD 1 2010
 
Casi-Rusco, Inc. (2)
* 4,538,056 Card reader for time and attendance 44 1985
* 4,816,658 Card reader for security system 50 1987
 
United Services Automobile Association (USAA) (44)
* 2005/0097,046 Wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system 159 2004
8,799,147 Systems and methods for remote deposit of negotiable instruments with non-payee institutions 0 2006
8,708,227 Systems and methods for remote deposit of checks 2 2006
8,351,677 Systems and methods for remote deposit of checks 9 2006
7,885,451 Systems and methods for displaying negotiable instruments derived from various sources 36 2006
7,876,949 Systems and methods for remote deposit of checks 34 2006
7,873,200 Systems and methods for remote deposit of checks 33 2006
8,959,033 Systems and methods for verification of remotely deposited checks 0 2007
8,433,127 Systems and methods for real-time validation of check image quality 2 2007
8,358,826 Systems and methods for receiving and orienting an image of one or more checks 9 2007
8,046,301 Systems and methods to modify a negotiable instrument 29 2007
8,001,051 Systems and methods to modify a negotiable instrument 30 2007
7,996,314 Systems and methods to modify a negotiable instrument 28 2007
7,996,315 Systems and methods to modify a negotiable instrument 28 2007
7,996,316 Systems and methods to modify a negotiable instrument 30 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 18 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 9 2007
7,900,822 Systems, methods, and apparatus for receiving images of one or more checks 32 2007
7,896,232 Systems, methods, and apparatus for receiving images of one or more checks 30 2007
8,351,678 Duplicate check detection 7 2008
8,422,758 Systems and methods of check re-presentment deterrent 9 2008
7,974,899 Atomic deposit transaction 77 2008
7,962,411 Atomic deposit transaction 75 2008
7,885,880 Atomic deposit transaction 76 2008
8,391,599 Systems and methods for adaptive binarization of an image 2 2008
7,970,677 Systems and methods for financial deposits by electronic message 34 2008
8,452,689 Systems and methods of check detection 2 2009
8,542,921 Systems and methods for remote deposit of negotiable instrument using brightness correction 3 2009
8,977,571 Systems and methods for image monitoring of check during mobile deposit 1 2009
8,699,779 Systems and methods for alignment of check during mobile deposit 2 2009
8,392,332 Systems and methods for remote deposit of checks 6 2010
9,129,340 Apparatuses, methods and systems for remote deposit capture with enhanced image detection 0 2010
8,464,933 Systems, methods and apparatus for receiving images of one or more checks 2 2011
8,837,806 Remote deposit image inspection apparatuses, methods and systems 2 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 7 2011
9,159,101 Image processing 0 2011
9,311,634 Systems and methods for automatic bill pay enrollment 0 2012
8,611,635 Duplicate check detection 1 2012
9,286,514 Character count determination for a digital image 0 2013
9,158,966 Character count determination for a digital image 0 2013
9,224,136 Systems and methods for remote deposit of checks 0 2014
9,336,517 Systems and methods for alignment of check during mobile deposit 0 2014
9,177,197 Systems and methods for alignment of check during mobile deposit 0 2014
9,177,198 Systems and methods for alignment of check during mobile deposit 0 2014
 
INNOVENTRY CORPORATION (1)
6,856,965 Method and apparatus for automatic check cashing 132 1999
 
JPMORGAN CHASE BANK, N.A. (219)
7,809,636 System and method for multicurrency and multibank processing over a non-secure network 1 1999
8,571,975 System and method for sending money via E-mail over the internet 0 1999
7,945,492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents 7 2000
7,805,365 Automated statement presentation, adjustment and payment system and method therefor 23 2000
7,068,832 Lockbox imaging system 48 2000
7,426,530 System and method for providing customers with seamless entry to a remote server 32 2000
6,867,789 System and method for generating graphical user interfaces 32 2000
7,058,817 System and method for single sign on process for websites with multiple applications and services 65 2000
7,747,866 System and method providing improved error detection related to transmission of data over a communication link 7 2000
8,015,084 System and method for linked account having sweep feature 3 2000
7,321,864 System and method for providing funding approval associated with a project based on a document collection 114 2000
7,584,125 Electronic check presentment system and method having an item sequence capability 2 2000
* 2003/0208,421 Electronic check presentment system and method having an item sequence capability 97 2000
7,822,656 International banking system and method 10 2001
* 2001/0034,682 International banking system and method 133 2001
8,805,739 System and method for electronic bill pay and presentment 0 2001
* 2004/0158,522 System and method for electronic bill pay and presentment 18 2001
7,580,890 System and method for supervising account management operations 5 2001
* 2002/0046,049 System and method for supervising account management operations 6 2001
7,246,263 System and method for portal infrastructure tracking 16 2001
* 2002/0062,373 System and method for portal infrastructure tracking 2 2001
7,103,576 System for providing cardless payment 40 2001
7,099,850 Methods for providing cardless payment 34 2001
* 2003/0061,167 System for providing cardless payment 7 2001
8,285,641 System and method for selectable funding of electronic transactions 1 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 7 2002
* 2003/0158,949 System and method for single sign-on session management without central server 39 2002
7,546,272 Trade receivable processing method and apparatus 28 2002
* 2002/0120,570 Trade receivable processing method and apparatus 42 2002
7,454,373 System and method for providing automated database assistance to financial service operators 0 2002
* 2002/0152,288 System and method for providing automated database assistance to financial service operators 8 2002
7,246,324 Method and system for data capture with hidden applets 12 2002
* 2003/0218,633 Method and system for data capture with hidden applets 10 2002
7,689,482 System and method for payer (buyer) defined electronic invoice exchange 37 2002
7,519,560 System and method for electronic authorization of batch checks 38 2002
7,437,327 Method and system for buyer centric dispute resolution in electronic payment system 51 2002
* 2003/0220,858 Method and system for collaborative vendor reconciliation 43 2002
* 2003/0220,863 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 30 2002
* 2003/0220,843 Method and system for buyer centric dispute resolution in electronic payment system 10 2002
7,401,048 System and method for trade settlement tracking and relative ranking 74 2002
* 2003/0046,219 System and method for trade settlement tracking and relative ranking 0 2002
7,536,354 Methods for electronic multiparty accounts receivable and accounts payable systems 107 2002
7,689,506 System and method for rapid updating of credit information 17 2002
* 2003/0018,549 System and method for rapid updating of credit information 129 2002
7,143,174 Method and system for delayed cookie transmission in a client-server architecture 6 2002
* 2003/0233,459 Method and system for delayed cookie transmission in a client-server architecture 4 2002
7,587,363 System and method for optimized funding of electronic transactions 128 2002
* 2003/0055,783 System and method for optimized funding of electronic transactions 70 2002
7,472,171 Method and system for determining receipt of a delayed cookie in a client-server architecture 16 2002
* 2003/0236,862 Method and system for determining receipt of a delayed cookie in a client-server architecture 4 2002
8,266,437 Electronic vouchers and a system and method for issuing the same 0 2002
* 2003/0014,363 Electronic vouchers and a system and method for issuing the same 8 2002
7,860,789 Multiple account advanced payment card and method of routing card transactions 14 2002
7,058,660 System and method for network-based project management 6 2002
* 2004/0068,517 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 39 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 2 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 24 2003
7,428,531 Customer information management system and method 8 2003
7,769,650 Network-based sub-allocation systems and methods for swaps 31 2003
7,353,383 System and method for single session sign-on with cryptography 30 2003
8,751,391 System and process for performing purchase transactions using tokens 2 2003
7,899,753 Systems and methods for time variable financial authentication 7 2003
8,306,907 System and method for offering risk-based interest rates in a credit instrument 2 2003
7,376,838 Method for controlled and audited access to privileged accounts on computer systems 12 2003
7,421,696 Methods and systems for managing successful completion of a network of processes 1 2004
* 2005/0137,902 Methods and systems for managing successful completion of a network of processes 1 2004
* 2010/0287,092 Method and system for real estate loan administration 4 2004
8,630,947 Method and system for providing electronic bill payment and presentment 14 2004
7,742,997 System and method for management and delivery of content and rules 8 2004
8,190,893 Portable security transaction protocol 6 2004
8,290,862 Method and system for expediting payment delivery 1 2004
7,613,656 Coupon payment system 2 2004
* 2005/0038,743 Coupon payment system 10 2004
* 2006/0089,891 System and method for generating expense information 5 2004
* 2010/0174,826 Information gathering system and method 4 2004
7,983,468 Method and system for extracting information from documents by document segregation 6 2005
* 2006/0177,118 Method and system for extracting information from documents by document segregation 9 2005
* 2006/0149,664 Marketing system and method 11 2005
7,380,707 Method and system for credit card reimbursements for health care transactions 97 2005
7,756,896 System and method for multi-dimensional risk analysis 37 2005
* 2010/0121,743 System and method for generating dividend information 0 2005
* 2006/0026,019 System and method for measuring communication-system infrastructure usage 7 2005
7,360,686 Method and system for discovering significant subsets in collection of documents 2 2005
* 2006/0255,124 Method and system for discovering significant subsets in collection of documents 3 2005
8,121,944 Method and system for facilitating network transaction processing 73 2005
* 2006/0212,391 Method and system for facilitating network transaction processing 53 2005
7,676,409 Method and system for emulating a private label over an open network 49 2005
8,185,877 System and method for testing applications 27 2005
7,822,684 Personalized bank teller machine 9 2005
7,373,304 System and method for integrated customer management 6 2005
7,269,567 System and method for integrated customer management 4 2005
7,756,816 System and method for network-based project management 2 2005
8,290,863 Method and system for expediting payment delivery 1 2005
* 2007/0055,625 Method and system for expediting payment delivery 7 2005
7,783,578 System for providing cardless payment 4 2006
7,461,265 System and method for single sign on process for websites with multiple applications and services 19 2006
7,444,672 System and method for single sign on process for websites with multiple applications and services 22 2006
* 2006/0173,791 System for providing cardless payment 53 2006
7,784,682 System and method for granting promotional rewards to both customers and non-customers 4 2006
7,822,682 System and method for enhancing supply chain transactions 47 2006
8,583,926 System and method for anti-phishing authentication 2 2006
7,317,823 Lockbox imaging system 75 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 43 2006
7,406,426 System and method for integrated customer management 8 2006
7,660,764 Service charge adjustment platform 1 2006
7,801,814 System and method for selectable funding of electronic transactions 15 2006
7,734,545 Method and system for processing recurring payments 39 2006
8,301,529 Method and system for implementing effective governance of transactions between trading partners 1 2006
8,145,522 System and method for establishing or modifying an account with user selectable terms 9 2006
* 2007/0118,470 System and Method for Establishing or Modifying an Account With User Selectable Terms 24 2006
8,468,071 Processing transactions using a register portion to track transactions 1 2006
* 2007/0094,154 PROCESSING TRANSACTIONS USING A REGISTER PORTION TO TRACK TRANSACTIONS 18 2006
8,793,490 Systems and methods for multifactor authentication 2 2006
7,366,698 Trade receivable processing method and apparatus 7 2006
7,966,496 System and method for single sign on process for websites with multiple applications and services 9 2006
8,296,160 System and method for integrated customer management 2 2006
8,335,855 System and method for portal infrastructure tracking 1 2007
* 2007/0228,144 PROCESSING TRANSACTIONS USING A REGISTER PORTION TO TRACK TRANSACTIONS 11 2007
8,185,940 System and method for providing discriminated content to network users 1 2007
* 2008/0021,822 METHOD AND SYSTEM FOR RECEIVABLES MANAGEMENT 4 2007
8,020,754 System and method for funding a collective account by use of an electronic tag 5 2007
8,768,836 System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image 1 2007
7,685,013 System and method for automatic financial project management 19 2007
7,916,925 System and method for generating magnetic ink character recognition (MICR) testing documents 1 2007
8,849,716 System and method for preventing identity theft or misuse by restricting access 0 2007
* 2008/0040,249 METHOD FOR TRANSACTION PROCESSING IN A CAPTURE AND DEPOSIT 14 2007
7,471,818 Lockbox imaging system 54 2007
8,118,216 Method and system for discovering significant subsets in collection of documents 7 2007
8,033,451 System and method for funding a collective account by use of an electronic tag 1 2007
* 2008/0061,136 METHDO AND SYSTEM FOR DISCOVERING SIGNIFICANT SUBSETS IN COLLECTION OF DOCUMENTS 1 2007
7,680,735 Trade receivable processing method and apparatus 35 2007
7,766,244 System and method for processing transactions using a multi-account transactions device 43 2007
7,707,089 Method and system for automating fraud authorization strategies 12 2008
8,788,281 System and method for processing qualified healthcare account related financial transactions 0 2008
8,473,735 Systems and methods for managing digital certificates 4 2008
7,743,979 Method and system for credit card reimbursements for health care transactions 38 2008
* 2008/0228,641 METHOD AND SYSTEM FOR CREDIT CARD REIMBURSEMENTS FOR HEALTH CARE TRANSACTIONS 11 2008
7,660,765 System and method for processing microtransactions 6 2008
8,762,270 System and method for providing supplemental payment or transaction information 0 2008
7,890,422 Multiple account advanced payment card and method of routing card transactions 21 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 42 2008
* 2009/0060,314 LOCKBOX IMAGING SYSTEM 5 2008
8,590,008 System and method for single sign on process for websites with multiple applications and services 0 2008
8,622,308 System and method for processing transactions using a multi-account transactions device 0 2009
8,321,682 System and method for generating and managing administrator passwords 1 2009
8,725,611 System and method for providing borrowing schemes 0 2009
8,554,652 System and method for providing borrowing schemes 0 2009
8,078,528 System and method for providing borrowing schemes 28 2009
9,240,089 Systems and methods for time variable financial authentication 0 2009
7,926,711 System and method for granting promotional rewards to both customers and non-customers 10 2009
8,459,562 System and method for processing transactions using a multi-account transactions device 3 2009
8,190,522 System and method for providing borrowing schemes 3 2009
* 7,962,409 Method and system for processing internet payments using the electronic funds transfer network 8 2009
8,065,231 Trade receivable processing method and apparatus 1 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 16 2009
8,386,381 Method and system for detecting, monitoring and addressing data compromises 6 2009
8,447,670 Universal payment protection 1 2009
8,045,784 Lockbox imaging system 34 2010
8,170,936 Method and system for emulating a private label over an open network 1 2010
* 2010/0153,199 METHOD AND SYSTEM FOR EMULATING A PRIVATE LABEL OVER AN OPEN NETWORK 14 2010
8,732,072 System and method for establishing or modifying an account with user selectable terms 0 2010
* 2010/0179,888 SYSTEM AND METHOD FOR ESTABLISHING OR MODIFYING AN ACCOUNT WITH USER SELECTABLE TERMS 7 2010
8,447,641 System and method for automatically enrolling buyers into a network 0 2010
8,032,438 Method and system for automating fraud authorization strategies 7 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
8,589,288 System and method for electronic remittance of funds 0 2010
8,554,631 Method and system for determining point of sale authorization 2 2010
8,517,258 System and method for granting promotional rewards to both customers and non-customers 4 2011
8,121,385 System and method for generating magnetic ink character recognition (MICR) testing documents 0 2011
8,543,503 Systems and methods for automated invoice entry 0 2011
8,543,504 Systems and methods for automated invoice entry 0 2011
8,473,395 Universal payment protection 1 2011
8,447,672 Universal payment protection 1 2011
8,190,521 Method for processing internet point of sale payment using automated teller machine switch settlement 2 2011
8,175,967 Method for processing internet point of sale payment using automated teller machine switch settlement 6 2011
8,175,968 Method and system for processing internet payments using the electronic funds transfer network 7 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
8,515,868 Multiple account advanced payment card and method of routing card transactions 1 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
8,694,425 Method and system for processing internet payments using the electronic funds transfer network 1 2012
8,433,652 Method and system for processing internet payments using the electronic funds transfer network 1 2012
8,468,092 Method and system for processing internet payments using the electronic funds transfer network 0 2012
8,452,703 Method and system for processing internet payments using the electronic funds transfer network 0 2012
8,538,876 System and method for providing borrowing schemes 0 2012
8,458,070 System and method for providing customers with seamless entry to a remote server 0 2012
8,484,129 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 0 2012
D678653 Drive-up financial transaction machine 14 2012
8,639,017 Method and system for duplicate check detection 0 2012
8,595,083 Method and system for processing internet payments using the electronic funds transfer network 2 2012
8,549,315 System and method for generating and managing administrator passwords 0 2012
9,020,850 Method and system for implementing effective governance of transactions between trading partners 0 2012
9,064,273 System and method for management and delivery of content and rules 0 2013
8,924,289 International banking system and method 0 2013
D693984 Drive-up financial transaction machine 5 2013
8,706,625 System and method for providing borrowing schemes 0 2013
9,092,447 Method and system for duplicate detection 0 2013
8,738,521 Method and system for processing internet payments using the electronic funds transfer network 1 2013
8,533,086 Variable rate payment card 0 2013
D690074 Financial transaction machine 6 2013
8,726,011 Systems and methods for managing digital certificates 0 2013
8,751,383 Multiple account advanced payment card and method of routing card transactions 0 2013
9,111,278 Method and system for determining point of sale authorization 0 2013
9,374,366 System and method for anti-phishing authentication 0 2013
9,058,626 System and method for financial services device usage 0 2013
9,240,012 Systems and methods for multifactor authentication 0 2014
 
GOLDLEAF ENTERPRISE PAYMENTS, INC. (3)
* 7,383,242 Computer-implemented method and apparatus for item processing 0 2001
* 2002/0073,060 Computer-implemented method and apparatus for item processing 0 2001
* 2005/0096,992 Image-enabled item processing for point of presentment application 48 2003
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (4)
6,338,049 User-generated traveler's checks 96 1997
6,282,523 Method and apparatus for processing checks to reserve funds 105 1998
7,496,537 User-generated traveler's checks 1 2001
* 2002/0042,766 User-generated traveler's checks 3 2001
 
IMPERIAL OIL LIMITED (1)
* 4,532,416 Transaction terminal with simplified data entry 74 1983
 
Charles Schwab & Co., Inc. (2)
6,968,317 Method and apparatus for new accounts program 25 2000
7,778,902 Method and apparatus for a new accounts program 1 2005
 
BENEFICIAL FRANCHISE COMPANY, INC. (2)
* 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 72 1990
* 5,724,523 Electronic income tax refund system utilizing the tax refund to underwrite issuance of a secured credit card 74 1995
 
FEDERAL RESERVE BANK OF ATLANTA (1)
7,653,234 Method for communicating and matching electronic files for financial transactions 2 2006
 
OUTERWALL INC. (35)
6,854,581 Coin counter and voucher dispensing machine and method 47 2002
* 6,736,251 Coin counter and voucher dispensing machine and method 40 2002
8,033,375 Methods and systems for exchanging and/or transferring various forms of value 7 2003
7,865,432 Methods and systems for exchanging and/or transferring various forms of value 26 2003
7,653,599 Methods and systems for exchanging and/or transferring various forms of value 29 2003
* 2006/0069,642 Methods and systems for exchanging and or transferring various forms of value 21 2003
* 2006/0064,379 Methods and systems for exchanging and/or transferring various forms of valve 41 2003
* 2006/0037,835 Methods and systems for exchanging and or transferring various forms of value 51 2003
6,758,316 Coin counter and voucher dispensing machine and method 57 2003
6,976,570 Coin counter and voucher dispensing machine and method 46 2003
* 2004/0124,062 Coin counter and voucher dispensing machine and method 1 2003
7,131,580 Coin counter and voucher dispensing machine and method 43 2005
* 2006/0060,445 Coin counter and voucher dispensing machine and method 1 2005
* 2006/0207,856 Methods and systems for exchanging and/or transferring various forms of value 54 2005
7,464,802 Method and apparatus for conditioning coins prior to discrimination 25 2006
* 2006/0191,770 Method and apparatus for conditioning coins prior to discrimination 2 2006
7,303,119 Coin counter and voucher dispensing machine and method 43 2006
7,520,374 Coin discrimination apparatus and method 37 2007
7,527,193 Coin counter and voucher dispensing machine and method 13 2007
* 2008/0087,520 COIN COUNTER AND VOUCHER DISPENSING MACHINE AND METHOD 9 2007
8,332,313 Methods and systems for exchanging and/or transferring various forms of value 9 2008
7,874,478 Coin counter and voucher dispensing machine and method 37 2009
8,103,586 Methods and systems for exchanging and/or transferring various forms of value 5 2009
8,024,272 Methods and systems for exchanging/transferring gift cards 20 2010
* 2010/0198,726 METHODS AND SYSTEMS FOR EXCHANGING/TRANSFERRING GIFT CARDS 30 2010
8,229,851 Methods and systems for exchanging/transferring gift cards 21 2011
9,064,268 Gift card exchange kiosks and associated methods of use 0 2011
8,874,467 Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same 2 2011
9,129,294 Coin counting machines having coupon capabilities, loyalty program capabilities, advertising capabilities, and the like 0 2012
9,036,890 Optical coin discrimination systems and methods for use with consumer-operated kiosks and the like 0 2012
8,967,361 Coin counting and sorting machines 2 2013
9,022,841 Coin counting and/or sorting machines and associated systems and methods 1 2013
9,235,945 Coin input apparatuses and associated methods and systems 0 2014
9,230,381 Coin counting and sorting machines 0 2014
9,183,687 Coin counting and/or sorting machines and associated systems and methods 0 2015
 
INTUIT INC. (4)
* 5,477,037 Financial document dispensing apparatus and method 94 1994
* 5,842,185 Method and system for electronically tracking financial transactions 96 1994
7,395,241 Consumer-directed financial transfers using automated clearinghouse networks 62 2000
7,720,760 Consumer-directed financial transfers using automated clearinghouse networks 7 2008
 
Affiliated Computer Services, Inc. (1)
* 6,038,553 Self service method of and system for cashing checks 282 1997
 
Certegy Check Transaction Service, Inc. (1)
7,257,246 Check cashing systems and methods 36 2003
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
* 6,644,546 System and method for electronic check conversion at a point-of-sale terminal 27 2002
 
GENERAL ELECTRIC CAPITAL CORPORATION (2)
* 7,574,405 Apparatus and method for verifying source of funds regarding financial transactions 3 2004
* 2006/0143,123 Apparatus and method for verifying source of funds regarding financial transactions 3 2004
 
STEPNEXUS HOLDINGS (1)
7,730,310 Key transformation unit for a tamper resistant module 4 2007
 
Honeywell Information Systems Inc. (1)
* 4,390,968 Automated bank transaction security system 82 1980
 
COMPUCREDIT CORP. (1)
* 2006/0289,621 Dynamic fee structuring in a stored valude card program 27 2005
 
ALPHA 2010, INC. (1)
* 2002/0061,093 Telephone travel card system under the control of its customers 0 2001
 
E-COMM CONNECT, LLC (1)
* 2004/0103,003 Method and system for insuring users of electronic trading systems or exchanges and traditional established commodity exchanges against weather-related risks and hazards 70 2002
 
GTE SUPPORT SERVICES, INCORPORATED, A CORP OF DE (1)
* 4,727,243 Financial transaction system 356 1984
 
FIRST DATA MERCHANT SERVICES (2)
7,219,832 ATM machine and methods with currency conversion capabilities 11 2005
* 2006/0022,032 ATM machine and methods with currency conversion capabilities 7 2005
 
Lazard Freres & Co. (2)
* 4,648,038 Methods and apparatus for restructuring debt obligations 90 1984
* 4,739,478 Methods and apparatus for restructuring debt obligations 192 1986
 
KROY IP HOLDINGS LLC (1)
7,054,830 System and method for incentive programs and award fulfillment 97 1999
 
INFOSPACE, INC. (1)
* 4,529,870 Cryptographic identification, financial transaction, and credential device 439 1982
 
MONEYFAX, INC. (1)
* 4,625,276 Data logging and transfer system using portable and resident units 259 1983
 
MATSUSHITA ELECTRIC INDUSTRIAL CO., LTD. (1)
* 5,452,439 Keyboard tutoring system 6 1992
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (6)
* 7,680,738 System and method for executing cash payments via a computer network 4 2001
* 2002/0062,285 System and method for executing cash payments via a computer network 130 2001
7,890,404 System and method for executing cash payment via a computer network 0 2010
* 2010/0138,342 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
* 2013/0198,073 SYSTEM AND METHOD FOR EXECUTING CASH PAYMENTS VIA A COMPUTER NETWORK 0 2013
* Cited By Examiner