Financial data processing system

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 4321672
SERIAL NO

06097400

Stats

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, CO366

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 3 767
Thomson, Eric A No. 7 Harrisburg, Irvine, CA 92714 3 1364

Cited Art Landscape

Patent Info (Count) # Cites Year
 
VERIZON PATENT AND LICENSING INC. (1)
* 2005/0021,713 Intelligent network 55 2004
* Cited By Examiner

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (42)
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7565329 Biometric financial transaction system and method 34 2001
7606401 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse 72 2005
* 2005/0289,058 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse 17 2005
8260716 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse 3 2005
7698567 System and method for tokenless biometric electronic scrip 19 2005
7970678 Biometric financial transaction system and method 9 2009
8831994 System and method for tokenless biometric authorization of electronic communications 1 2010
8452680 Biometric financial transaction system and method 0 2011
8630933 Biometric financial transaction system and method 1 2013
 
VECTORSGI, INC. (2)
* 7555156 Method and system for online communication between a check sorter and a check processing system 1 2005
* 2005/0226,487 Method and system for online communication between a check sorter and a check processing system 1 2005
 
CITIBANK, N.A. (11)
* 4751640 Automated investment system 256 1984
* 5453601 Electronic-monetary system 770 1991
* 5898154 System and method for updating security information in a time-based electronic monetary system 152 1995
* 5455407 Electronic-monetary system 446 1995
* 5799087 Electronic-monetary system 261 1995
* 6047067 Electronic-monetary system 288 1997
* 5963648 Electronic-monetary system 243 1997
* 5920629 Electronic-monetary system 342 1997
* 6122625 Apparatus and method for secure transacting 306 1998
* 6047887 System and method for connecting money modules 61 1998
6868408 Security systems and methods applicable to an electronic monetary system 48 2000
 
JP Morgan Chase Bank (9)
7941533 System and method for single sign-on session management without central server 9 2002
* 2003/0158,949 System and method for single sign-on session management without central server 43 2002
7437327 Method and system for buyer centric dispute resolution in electronic payment system 56 2002
7613656 Coupon payment system 3 2004
* 2005/0038,743 Coupon payment system 10 2004
* 2006/0177,118 Method and system for extracting information from documents by document segregation 10 2005
7269567 System and method for integrated customer management 4 2005
7406426 System and method for integrated customer management 8 2006
8447670 Universal payment protection 3 2009
 
MONEY NETWORK FINANCIAL, LLC (7)
* 2008/0215,488 Payer-Based Account Porting To Portable Value Distribution Systems And Methods 2 2007
8365987 Pre-allocated negotiable instrument and presentation instrument purchasing and activation systems and methods 0 2007
* 2008/0067,241 Pre-Allocated Negotiable Instrument And Presentation Instrument Purchasing And Activation Systems And Methods 1 2007
8286860 Negotiable instrument to presentation instrument value porting systems and methods 0 2007
* 2008/0185,427 Negotiable Instrument To Presentation Instrument Value Porting Systems And Methods 2 2007
8775279 Payroll receipt using a trustee account systems and methods 0 2008
* 2008/0306,844 Payroll Receipt Using A Trustee Account Systems And Methods 0 2008
 
THE WESTERN UNION COMPANY (88)
7165052 Payment service method and system 26 2001
7606734 Wide area network person-to-person payment 24 2001
7613653 Money order debit from stored value fund 4 2001
7398252 Automated group payment 39 2001
* 2002/0152,168 Automated transfer with stored value fund 107 2001
* 2002/0152,176 Automated group payment 17 2001
7266533 Electronic gift greeting 23 2001
* 2002/0138,363 Electronic gift greeting 7 2001
7158955 Electronic identifier payment systems and methods 73 2001
* 2002/0143,706 Electronic identifier payment system and methods 12 2001
7596529 Buttons for person to person payments 6 2002
* 2003/0154,164 Buttons for person to person payments 69 2002
7107249 Electronic identifier payment systems and methods 114 2002
7096205 Systems and methods for enrolling consumers in goods and services 13 2002
* 2002/0178,025 Systems and methods for enrolling consumers in goods and services 20 2002
7600673 Systems and methods for performing transactions at a point-of-sale 69 2002
7086584 Systems and methods for configuring a point-of-sale system 58 2002
* 6886742 Systems and methods for deploying a point-of sale device 146 2002
* 6827260 Systems and methods for utilizing a point-of-sale system 170 2002
* 2003/0222,135 Systems and methods for configuring a point-of-sale system 40 2002
* 2002/0153,414 Systems and methods for performing transactions at a point-of-sale 131 2002
* 2002/0156,683 Systems and methods for utilizing a point-of-sale system 21 2002
7130817 Electronic gift linking 26 2002
* 2003/0130,907 Electronic gift linking 23 2002
8374962 Stored value payouts 1 2003
8244632 Automated transfer with stored value 0 2003
* 2003/0135,459 Stored value payouts 129 2003
7124936 Point of sale payment terminal 7 2003
* 2003/0111,529 Point of sale payment terminal 12 2003
7184989 Staged transactions systems and methods 13 2003
* 2004/0030,647 Staged transactions systems and methods 12 2003
8086539 Value processing network and methods 2 2003
* 2004/0059,672 Wide area network person-to-person payment 62 2003
7103577 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
7117183 Airline ticket payment and reservation system and methods 28 2004
7917395 Wireless network access prepayment systems and methods 0 2004
8015085 System for distributing funds 39 2004
7641109 Money transfer cards, systems and methods 15 2005
7392940 In-lane money transfer systems and methods 3 2005
* 2006/0261,150 Money transfer cards, systems and methods 10 2005
* 2006/0261,151 In-lane money transfer systems and methods 1 2005
8672220 Money transfer system and method 2 2005
* 2007/0075,129 Money transfer system and method 2 2005
8706640 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
7540410 Point of sale payment terminal 5 2006
9129464 Staged transactions systems and methods 0 2006
8150763 Systems and methods for staging transactions, payments and collections 0 2006
* 2007/0100,746 SYSTEMS AND METHODS FOR STAGING TRANSACTIONS, PAYMENTS AND COLLECTIONS 28 2006
* 2007/0016,526 Staged transactions systems and methods 12 2006
7506809 Systems and methods for configuring a point-of-sale system 4 2006
* 2007/0029,376 Systems and methods for configuring a point-of-sale system 6 2006
8515874 Airline ticket payment and reservation system and methods 2 2006
* 2007/0016,523 AIRLINE TICKET PAYMENT AND RESERVATION SYSTEM AND METHODS 7 2006
7512552 Electronic gift linking 23 2006
7930216 Method for making an online payment through a payment enabler system 4 2006
8345931 Biometric based authorization systems for electronic fund transfers 2 2006
* 2007/0208,662 BIOMETRIC BASED AUTHORIZATION SYSTEMS FOR ELECTRONIC FUND TRANSFERS 18 2006
8818904 Generation systems and methods for transaction identifiers having biometric keys associated therewith 1 2007
7933835 Secure money transfer systems and methods using biometric keys associated therewith 14 2007
* 2008/0169,345 Generation Systems And Methods For Transaction Identifiers Having Biometric Keys Associated Therewith 53 2007
* 2007/0214,091 ELECTRONIC PAYMENT INSTRUMENT SYSTEM AND METHOD 5 2007
8504473 Money transfer system and messaging system 4 2007
* 2008/0243,690 Money Transfer System And Messaging System 6 2007
7908179 Electronic gift linking 2 2007
7716128 Electronic indentifier payment systems and methods 3 2007
* 2008/0140,531 ELECTRONIC IDENTIFIER PAYMENT SYSTEMS AND METHODS 4 2007
7753267 In-lane money transfer systems and methods 5 2008
* 2008/0222,013 IN-LANE MONEY TRANSFER SYSTEMS AND METHODS 1 2008
* 2008/0294,554 AUTOMATED TRANSFER WITH STORED VALUE FUND 1 2008
8024229 Wide area network person-to-person payment 4 2008
7941342 Wide area network person-to-person payment 1 2008
7941346 Wide area network person-to-person payment 0 2008
7937292 Wide area network person-to-person payment 10 2008
* 2009/0094,149 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 2 2008
* 2009/0094,155 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 5 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
* 2009/0048,974 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 3 2008
* 2009/0024,523 WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT 3 2008
8960537 Money transfer systems and methods 0 2012
8837784 Biometric based authorization systems for electronic fund transfers 0 2012
8851371 In-lane money transfer systems and methods 0 2013
8762267 Money transfer system and messaging system 0 2013
9384476 Money transfer system and method 0 2014
9123044 Generation systems and methods for transaction identifiers having biometric keys associated therewith 0 2014
9542684 Biometric based authorization systems for electronic fund transfers 0 2014
 
HITACHI, LTD. (2)
* 4482802 Transaction handling system 40 1982
* 4782442 Time-sharing computer system operable in a host TSS mode and a terminal TSS mode 23 1987
 
VOICE.COM, INC. THE (1)
6189009 System and method for integrating paper-based business documents with computer-readable data entered via a computer network 66 1999
 
YOU TECHNOLOGY, INC. (2)
7152045 Tokenless identification system for authorization of electronic transactions and electronic transmissions 82 2002
9165323 Biometric transaction system and method 0 2012
 
CONDUENT BUSINESS SERVICES, LLC (1)
* 6038553 Self service method of and system for cashing checks 293 1997
 
Intellect Investments B.V. (1)
* 2002/0111,900 Method and system for financing an order via the internet 0 2001
 
DIEBOLD, INCORPORATED (17)
* 4871085 Apparatus for identifying and indicating the content of document canisters 21 1986
* 6042003 Lighting system for automated banking machine 4 1998
* 6749111 Automated banking machine 16 2001
* 2002/0033,359 Automated banking machine 27 2001
7433844 Automated banking machine currency tracking method 2 2002
* 7028888 Automated banking machine currency tracking system 79 2002
* 2003/0116,478 Automated banking machine currency tracking method 72 2002
* 2003/0085,271 Automated banking machine currency tracking system 22 2002
6981638 Automated banking machine 0 2004
7584883 Check cashing automated banking machine 3 2005
* 2006/0038,005 Check cashing automated banking machine 0 2005
7513417 Automated banking machine 7 2005
* 2006/0086,784 Automated banking machine 1 2005
7559460 Automated banking machine 2 2005
* 2007/0102,863 Automated banking machine 39 2005
* 7721949 Check accepting and cash dispensing automated banking machine system and method 2 2006
* 8042733 Automated banking machine that operates responsive to data bearing records 1 2010
 
MONDEX INTERNATIONAL LIMITED (7)
* 5623547 Value transfer system 167 1995
6220510 Multi-application IC card with delegation feature 166 1998
* 6164549 IC card with shell feature 58 1998
6328217 Integrated circuit card with application history list 17 1998
6742120 System and method for controlling access to computer code in an IC card 86 1998
6736325 Codelets 6 1999
6761319 Configuration of IC card 28 2001
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (5)
* 8127985 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
* 8413890 Automated banking machine that operates responsive to data read from data bearing records 2 2010
* 8403205 Automated banking machine that operates responsive to data read from data bearing records 1 2010
* 9299227 Automated banking machine that operates responsive to data read from data bearing records 0 2015
 
CITICORP DEVELOPMENT CENTER, INC. (1)
* 2009/0138,393 SYSTEM AND METHOD FOR DELIVERING FINANCIAL SERVICES 7 2009
 
KABUSHIKI KAISHA TOSHIBA (1)
* 5936219 Electronic payment system using check identifier and issue time for illegal acts detection 94 1996
 
CUMMINS-ALLISON CORP. (120)
* 6363164 Automated document processing system using full image scanning 308 1997
6318537 Currency processing machine with multiple internal coin receptacles 217 2000
6637576 Currency processing machine with multiple internal coin receptacles 103 2000
7000828 Remote automated document processing system 139 2001
7647275 Automated payment system and method 118 2001
7187795 Document processing system using full image scanning 116 2001
* 2003/0059,098 Document processing system using full image scanning 72 2001
6650767 Automated deposit processing system and method 131 2002
6665431 Automated document processing system using full image scanning 125 2002
6647136 Automated check processing system and method 131 2002
6603872 Automated document processing system using full image scanning 134 2002
6731786 Document processing method and system 122 2002
6724926 Networked automated document processing system and method 131 2002
6724927 Automated document processing system with document imaging and value indication 125 2002
6996263 Network interconnected financial document processing devices 172 2002
6678401 Automated currency processing system 131 2002
6654486 Automated document processing system 122 2002
6810137 Automated document processing system and method 124 2002
6678402 Automated document processing system using full image scanning 219 2002
6778693 Automatic currency processing system having ticket redemption module 144 2002
* 2003/0081,824 Automatic currency processing system 252 2002
6843418 System and method for processing currency bills and documents bearing barcodes in a document processing device 119 2002
* 2004/0016,797 SYSTEM AND METHOD FOR PROCESSING CURRENCY BILLS AND DOCUMENTS BEARING BARCODES IN A DOCUMENT PROCESSING DEVICE 70 2002
7200255 Document processing system using full image scanning 189 2003
7349566 Image processing network 146 2003
7903863 Currency bill tracking system 78 2003
* 2004/0028,266 Currency bill tracking system 142 2003
7873576 Financial document processing system 65 2003
* 2004/0153,408 Financial document processing system 129 2003
* 2005/0169,511 Document processing system using primary and secondary pictorial image comparison 125 2004
8125624 Automated document processing system and method 62 2005
7602956 Document processing system using full image scanning 107 2005
7620231 Document processing system using full image scanning 120 2005
* 2006/0010,071 Document processing system using full image scanning 109 2005
7599543 Document processing system using full image scanning 107 2005
* 2005/0278,239 Document processing system using full image scanning 109 2005
7778456 Automatic currency processing system having ticket redemption module 101 2006
* 2007/0071,302 Automatic currency processing system 113 2006
7362891 Automated document processing system using full image scanning 90 2006
* 2006/0274,929 Automated document processing system using full image scanning 57 2006
7929749 System and method for saving statistical data of currency bills in a currency processing device 60 2006
7946406 Coin processing device having a moveable coin receptacle station 22 2006
* 2007/0119,681 Coin processing device having a moveable coin receptacle station 48 2006
7366338 Automated document processing system using full image scanning 81 2006
7882000 Automated payment system and method 61 2007
* 2007/0112,674 Automated payment system and method 108 2007
7391897 Automated check processing system with check imaging and accounting 128 2007
8352322 Automated document processing system using full image scanning 32 2007
8346610 Automated document processing system using full image scanning 31 2007
7949582 Machine and method for redeeming currency to dispense a value card 57 2007
* 2007/0221,470 Automated document processing system using full image scanning 103 2007
RE44252 Coin redemption system 10 2007
7619721 Automated document processing system using full image scanning 106 2007
* 2007/0258,633 Automated document processing system using full image scanning 81 2007
7542598 Automated check processing system with check imaging and accounting 118 2008
* 2008/0220,707 Image Processing Network 63 2008
* 2008/0123,932 AUTOMATED CHECK PROCESSING SYSTEM WITH CHECK IMAGING AND ACCOUNTING 89 2008
8204293 Document imaging and processing system 79 2008
8380573 Document processing system 30 2008
8701857 System and method for processing currency bills and tickets 9 2008
8950566 Apparatus, system and method for coin exchange 5 2008
7980378 Systems, apparatus, and methods for currency processing control and redemption 38 2009
* 2009/0320,106 SYSTEMS, APPARATUS, AND METHODS FOR CURRENCY PROCESSING CONTROL AND REDEMPTION 61 2009
* 8103084 Document processing system using full image scanning 50 2009
8041098 Document processing system using full image scanning 52 2009
7881519 Document processing system using full image scanning 58 2009
* 2010/0034,454 Document Processing System Using Full Image Scanning 67 2009
* 2009/0313,159 Document Processing System Using Full Image Scanning 70 2009
* 2009/0310,188 Document Processing System Using Full Image Scanning 69 2009
* 2010/0063,916 FINANCIAL DOCUMENT PROCESSING SYSTEM 68 2009
* 2010/0057,617 FINANCIAL DOCUMENT PROCESSING SYSTEM 67 2009
* 2010/0051,687 FINANCIAL DOCUMENT PROCESSING SYSTEM 69 2009
8514379 Automated document processing system and method 16 2009
* 2010/0092,065 AUTOMATED DOCUMENT PROCESSING SYSTEM AND METHOD 71 2009
8538123 Apparatus and system for imaging currency bills and financial documents and method for using the same 15 2010
8478019 Apparatus and system for imaging currency bills and financial documents and method for using the same 16 2010
8478020 Apparatus and system for imaging currency bills and financial documents and method for using the same 18 2010
8467591 Apparatus and system for imaging currency bills and financial documents and method for using the same 22 2010
8437528 Apparatus and system for imaging currency bills and financial documents and method for using the same 28 2010
8437529 Apparatus and system for imaging currency bills and financial documents and method for using the same 25 2010
8437530 Apparatus and system for imaging currency bills and financial documents and method for using the same 29 2010
8437532 Apparatus and system for imaging currency bills and financial documents and method for using the same 28 2010
8433123 Apparatus and system for imaging currency bills and financial documents and method for using the same 32 2010
* 8428332 Apparatus and system for imaging currency bills and financial documents and method for using the same 33 2010
8417017 Apparatus and system for imaging currency bills and financial documents and method for using the same 37 2010
8162125 Apparatus and system for imaging currency bills and financial documents and method for using the same 86 2010
8391583 Apparatus and system for imaging currency bills and financial documents and method for using the same 33 2010
8627939 Apparatus and system for imaging currency bills and financial documents and method for using the same 12 2010
8126793 Automated payment system and method 50 2010
* 2011/0087,599 AUTOMATED PAYMENT SYSTEM AND METHOD 57 2010
9390574 Document processing system 0 2011
8929640 Apparatus and system for imaging currency bills and financial documents and method for using the same 9 2011
8169602 Automated document processing system and method 47 2011
8396278 Document processing system using full image scanning 33 2011
8442296 Check and U.S. bank note processing device and method 24 2011
8437531 Check and U.S. bank note processing device and method 26 2011
8339589 Check and U.S. bank note processing device and method 31 2011
8714336 Apparatus and system for imaging currency bills and financial documents and method for using the same 11 2012
8644583 Apparatus and system for imaging currency bills and financial documents and method for using the same 11 2013
8655045 System and method for processing a deposit transaction 13 2013
9141876 Apparatus and system for processing currency bills and financial documents and method for using the same 6 2013
8644584 Apparatus and system for imaging currency bills and financial documents and method for using the same 11 2013
8644585 Apparatus and system for imaging currency bills and financial documents and method for using the same 12 2013
8639015 Apparatus and system for imaging currency bills and financial documents and method for using the same 11 2013
8594414 Apparatus and system for imaging currency bills and financial documents and method for using the same 12 2013
8559695 Apparatus and system for imaging currency bills and financial documents and method for using the same 13 2013
* 8655046 Apparatus and system for imaging currency bills and financial documents and method for using the same 14 2013
8542904 Apparatus and system for imaging currency bills and financial documents and method for using the same 15 2013
9355295 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8958626 Apparatus and system for imaging currency bills and financial documents and method for using the same 5 2013
8944234 Apparatus and system for imaging currency bills and financial documents and method for using the same 8 2013
8787652 Apparatus and system for imaging currency bills and financial documents and method for using the same 10 2013
* 9142075 Apparatus and system for imaging currency bills and financial documents and method for using the same 1 2013
9477896 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2014
9129271 System and method for processing casino tickets 1 2014
8948490 Apparatus and system for imaging currency bills and financial documents and method for using the same 5 2014
9189780 Apparatus and system for imaging currency bills and financial documents and methods for using the same 1 2014
9195889 System and method for processing banknote and check deposits 1 2015
9495808 System and method for processing casino tickets 0 2015
9558418 Apparatus and system for processing currency bills and financial documents and method for using the same 0 2015
 
N—gine, LLC (1)
6904411 Multi-processing financial transaction processing system 15 2002
 
York Eggleston (1)
* 6061660 System and method for incentive programs and award fulfillment 639 1998
 
XIGN (1)
8554673 Methods and systems for discounts management 0 2004
 
MINERAL LASSEN LLC (4)
* 7672892 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
8583535 Operation of auctions over computer networks 0 2006
* 2007/0067,232 Method for computerized wagering 0 2006
 
CITICORP CREDIT SERVICES, INC. (USA) (12)
* 5963647 Method and system for transferring funds from an account to an individual 269 1997
7792753 System and method for image depositing, image presentment and deposit taking in a commercial environment 62 1999
7502752 System and method for delivering financial services 12 2000
8065226 Method and system for performing a cash transaction with a self-service financial transaction terminal 3 2001
* 2002/0069,170 Method and system for performing a cash transaction with a self-service financial transaction terminal 18 2001
8543982 Delivering financial services to remote devices 3 2007
9378490 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 12 2010
8204830 Global method and system for providing enhanced transactional functionality through a customer terminal 0 2011
8364589 Method and system for performing a cash transaction with a self-service financial transaction terminal 0 2011
8554672 Method and system for performing a cash transaction with a self-service financial transaction terminal 0 2012
9129279 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)
* 5202549 Transaction machine having lighted user prompts 40 1991
 
U.S. BANK NATIONAL ASSOCIATION (2)
7792717 Waterfall prioritized payment processing 76 2004
8620786 System and method for waterfall prioritized payment processing 0 2010
 
Beneficial Management Corporation of America (1)
* 4890228 Electronic income tax refund early payment system 117 1988
 
DST SYSTEMS, INC. (2)
* 7962517 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)
* 5077607 Cable television transaction terminal 368 1989
 
Checkfree Services Corporation (1)
* 7953660 Method and system for payment processing 7 2001
 
VICAM LIMITED PARTNERSHIP (1)
* 2006/0147,894 Jacketed vessel for holding semen for sex biasing mammals through artificial insemination and systems and methods for enhancing the probability of sex biasing using the same 29 2005
 
CHRYSLER FIRST FINANCIAL SERVICES CORPORATION (1)
* 4914587 Financial data processing system with distributed data input devices and method of use 108 1987
 
CHECKFREE CORPORATION (13)
7240031 Bill payment system and method with a master merchant database 31 2000
* 7213003 Bill payment system and method utilizing bank routing numbers 20 2000
7107244 Bill payment system and method with merchant information 28 2001
* 2001/0044,776 Bill payment system and method with merchant information 10 2001
7933826 Check metaphor for electronic payment authorization 1 2001
* 2002/0019,809 Check metaphor for electronic payment authorization 17 2001
7853524 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 68 2003
7702585 Methods and systems for the determination and display of payment lead time in an electronic payment system 8 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 17 2007
8165956 Bill availability notification and billing information request 0 2011
 
AUTOSCRIBE CORPORATION (2)
7117171 System and method for making a payment from a financial account 18 2000
6862578 System and method for making a payment from a financial account 0 2000
 
FUJITSU LIMITED (1)
* 5898155 Automated teller machine including medium issuing apparatus for issuing supplementary information 6 1995
 
J.P. MORGAN CHASE & CO. (1)
7831508 System and method for implementing a consolidated application process 2 2000
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (37)
* 2005/0097,046 Wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system 174 2004
8799147 Systems and methods for remote deposit of negotiable instruments with non-payee institutions 1 2006
8708227 Systems and methods for remote deposit of checks 4 2006
8351677 Systems and methods for remote deposit of checks 14 2006
7885451 Systems and methods for displaying negotiable instruments derived from various sources 42 2006
7876949 Systems and methods for remote deposit of checks 40 2006
7873200 Systems and methods for remote deposit of checks 36 2006
8959033 Systems and methods for verification of remotely deposited checks 1 2007
8433127 Systems and methods for real-time validation of check image quality 4 2007
8358826 Systems and methods for receiving and orienting an image of one or more checks 11 2007
8046301 Systems and methods to modify a negotiable instrument 32 2007
8001051 Systems and methods to modify a negotiable instrument 33 2007
7996314 Systems and methods to modify a negotiable instrument 31 2007
7996315 Systems and methods to modify a negotiable instrument 31 2007
7996316 Systems and methods to modify a negotiable instrument 33 2007
8320657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 21 2007
8290237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 17 2007
7900822 Systems, methods, and apparatus for receiving images of one or more checks 35 2007
7896232 Systems, methods, and apparatus for receiving images of one or more checks 34 2007
8351678 Duplicate check detection 9 2008
8422758 Systems and methods of check re-presentment deterrent 11 2008
7974899 Atomic deposit transaction 84 2008
7962411 Atomic deposit transaction 82 2008
7885880 Atomic deposit transaction 82 2008
8391599 Systems and methods for adaptive binarization of an image 2 2008
7970677 Systems and methods for financial deposits by electronic message 37 2008
8452689 Systems and methods of check detection 6 2009
8542921 Systems and methods for remote deposit of negotiable instrument using brightness correction 4 2009
8977571 Systems and methods for image monitoring of check during mobile deposit 2 2009
8699779 Systems and methods for alignment of check during mobile deposit 6 2009
9779392 Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments 0 2010
8392332 Systems and methods for remote deposit of checks 7 2010
9311634 Systems and methods for automatic bill pay enrollment 0 2012
9569756 Systems and methods for image monitoring of check during mobile deposit 0 2013
9286514 Character count determination for a digital image 0 2013
9224136 Systems and methods for remote deposit of checks 0 2014
9779452 Apparatuses, methods, and systems for remote deposit capture with enhanced image detection 0 2015
 
CORPORATE CLASS SOFTWARE, INC., A CORP OF DE (2)
* 4989141 Computer system for financial analyses and reporting 306 1987
* 5189608 Method and apparatus for storing and generating financial information employing user specified input and output formats 193 1990
 
FIRST DATA CORPORATION (59)
7340423 Method for defining a relationship between an account and a group 8 1999
* 7076465 Methods for processing a group of accounts corresponding to different products 68 1999
7050996 Method for linking accounts corresponding to different products together to create a group 81 1999
6993510 System and method for managing accounts 31 2002
* 2003/0172,039 System and method for managing accounts 8 2002
* 2002/0198,806 Systems and methods for accessing and modifying usage parameters associated with a financial transaction account 125 2002
* 2004/0019,543 Systems and methods for non-account based liability reporting 17 2002
* 2004/0034,583 Systems and methods for performing electronic check commerce 14 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 14 2003
* 2004/0006,537 Method and system for processing credit card related transactions 45 2003
* 2003/0171,992 System and methods for redeeming rewards associated with accounts 66 2003
* 2004/0039,693 Value processing network and methods 52 2003
7949594 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 30 2003
* 2004/0148,203 Systems and methods for verifying medical insurance coverage 38 2003
* 2005/0177,494 Method and system for processing electronic financial transactions 51 2004
7707110 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 30 2004
* 2005/0015,280 Health care eligibility verification and settlement systems and methods 89 2004
* 2005/0278,426 Systems and methods for merging communications 9 2004
7831519 Methods and systems for electromagnetic initiation of secure transactions 4 2004
* 2005/0137,986 Methods and systems for electromagnetic initiation of secure transactions 31 2004
* 2006/0253,321 Loyalty enrollment systems and methods 76 2005
* 2006/0253,320 Loyalty systems and methods 37 2005
7463946 Mail handling equipment and methods 7 2005
* 2005/0261,801 Mail handling equipment and methods 0 2005
8751250 Health care eligibility verification and settlement systems and methods 0 2005
* 2005/0288,964 Health care eligibility verification and settlement systems and methods 47 2005
* 2006/0036,543 Creating groups of linked accounts 91 2005
* 2005/0267,840 Methods for processing a group of accounts corresponding to different products 49 2005
* 2007/0078,781 Information access control 2 2006
* 2007/0198,338 Customer selected coalition systems and methods 18 2006
* 2007/0055,628 AUTHORIZING TRANSACTIONS ASSOCIATED WITH ACCOUNTS 3 2006
7587342 Method for requesting and receiving an online payment through a payment enabler system 12 2006
8606670 Integrated communication solution 0 2007
* 2008/0162,313 INTEGRATED COMMUNICATION SOLUTION 0 2007
8606631 Chasing rewards associated with accounts 0 2007
7783571 ATM system for receiving cash deposits from non-networked clients 49 2007
7813982 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 200 2007
8565723 Onetime passwords for mobile wallets 3 2007
* 2009/0104,888 Onetime Passwords For Mobile Wallets 123 2007
* 2008/0046,358 Methods For Processing A Group Of Accounts Corresponding To Different Products 79 2007
7610222 Method for providing a money transfer service through a payment enabler system 21 2007
8073736 Systems and methods for redeeming rewards associated with accounts 0 2007
* 2008/0097,856 SYSTEMS AND METHODS FOR REDEEMING REWARDS ASSOCIATED WITH ACCOUNTS 8 2007
* 2008/0091,540 SYSTEMS AND METHODS FOR REDEEMING REWARDS ASSOCIATED WITH ACCOUNTS 2 2007
* 2008/0091,582 SYSTEMS AND METHODS FOR REDEEMING REWARDS ASSOCIATED WITH ACCOUNTS 4 2007
* 2008/0222,054 METHOD FOR DEFINING A RELATIONSHIP BETWEEN AN ACCOUNT AND A GROUP 14 2008
* 2010/0048,226 MANAGING MOBILE MARKETING OFFERS 13 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
8095113 Onetime passwords for smart chip cards 33 2009
* 2009/0200,371 ONETIME PASSWORDS FOR SMART CHIP CARDS 51 2009
8346611 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)
7702577 System and method for conversion of initial transaction to final transaction 23 2004
7702553 System and method for conversion of initial transaction to final transaction 19 2008
 
STEPNEXUS HOLDINGS, A CAYMAN ISLAND EXEMPTED LIMITED COMPANY (8)
6575372 Secure multi-application IC card system having selective loading and deleting capability 27 1998
6385723 Key transformation unit for an IC card 76 1998
6488211 System and method for flexibly loading in IC card 17 1998
7469339 Secure multiple application card system and process 5 2001
* 2001/0056,536 Secure multiple application card system and process 10 2001
6659354 Secure multi-application IC card system having selective loading and deleting capability 13 2001
6742715 System and method for flexibly loading an IC card 11 2002
* 2003/0024,980 System and method for flexibly loading an IC Card 5 2002
 
FIRST DATA RESOURCES INC. (1)
* 2004/0030,657 Financial transaction account usage parameter access and control method 55 2001
 
Trans Texas Holdings Corporation (4)
* 4742457 System and method of investment management including means to adjust deposit and loan accounts for inflation 208 1985
* 5832461 System and method of investment management including means to adjust deposit and loan accounts for inflation 66 1991
* 6052673 Investment management 175 1998
* 8121924 Investment management 2 2000
 
International Check Services (1)
6189785 Demand deposit account data processing system 177 1998
 
FIVE 2 SOLUTIONS LIMITED LIABILITY COMPANY (2)
* 5265033 ATM/POS based electronic mail system 501 1991
* 5473143 ATM/POS based electronic mail system 324 1993
 
United Services Auto Association (USAA) (1)
8538124 Systems and methods for real-time validation of check image quality 3 2007
 
ESPEED, INC. (1)
* 4903201 Automated futures trading exchange 1052 1983
 
CASIO COMPUTER CO., LTD. (5)
* 5355476 File update apparatus for generating a matrix representing a subset of files and the update correspondence between directories and files 57 1991
* 5202984 Apparatus and method for updating transaction file 16 1992
* 5500932 Slip output apparatus 5 1993
* 5526518 Data processing apparatus 10 1993
* 5537591 Method and apparatus for forming a file management system diagram 16 1994
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (3)
6647376 System and method for point-of-sale check authorization 74 2000
8725607 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 82 2004
 
HITACHI-OMRON TERMINAL SOLUTIONS, CORP. (2)
* 6801658 Business form handling method and system for carrying out the same 79 2002
* 2003/0076,995 Business form handling method and system for carrying out the same 2 2002
 
SYBASE, INC. (2)
7805344 System providing methodology for consolidation of financial information 4 2004
* 2005/0246,269 System Providing Methodology for Consolidation of Financial Information 26 2004
 
S.F. IP PROPERTIES 33 LLC (1)
* 5163098 System for preventing fraudulent use of credit card 110 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)
7814003 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2004
* 2006/0095,374 System and method for supply chain financing 58 2005
 
Netdeposit, LLC (1)
8660956 Method and system for processing financial instrument deposits physically remote from a financial institution 0 2011
 
SKYDECK CORPORATION (2)
7028827 Coin counter/sorter and coupon/voucher dispensing machine and method 64 1996
7971699 Coin counter/sorter and coupon/voucher dispensing machine and method 10 2006
 
CARDPOOL, INC. (4)
8024272 Methods and systems for exchanging/transferring gift cards 25 2010
* 2010/0198,726 METHODS AND SYSTEMS FOR EXCHANGING/TRANSFERRING GIFT CARDS 39 2010
8229851 Methods and systems for exchanging/transferring gift cards 27 2011
9064268 Gift card exchange kiosks and associated methods of use 1 2011
 
Money Networks Financial, LLC (1)
8700507 Payer-based account porting to portable value distribution systems and methods 0 2007
 
Omron Tateisi Electronics Co. (5)
* 4423316 Automatic banking system 69 1981
* 4423313 Transaction processing system 33 1982
* 4634848 Card information selecting system 70 1984
* 4736094 Financial transaction processing system using an integrated circuit card device 228 1985
* 4673802 System for making payments for transactions 99 1986
 
Visa U.S.A. Inc. (3)
* 7827108 System and method of validating a relationship between a user and a user account at a financial institution 3 2008
* 2010/0131,408 System and Method of Validating a Relationship Between a User and a User Account at a Financial Institution 5 2008
* 2009/0271,315 PORTABLE DEVICE INCLUDING ALTERABLE INDICATOR 1 2009
 
Glory Kogyo Kabushiki Kaisha (1)
* 4686357 Method for confirming settled check cards and check card drawing apparatus 107 1985
 
GLORY LTD. (1)
* 2011/0243,422 PAPER-SHEET PROCESSING APPARATUS AND PAPER-SHEET PROCESSING METHOD 1 2010
 
Casi-Rusco, Inc. (2)
* 4538056 Card reader for time and attendance 45 1985
* 4816658 Card reader for security system 56 1987
 
United Services Automobile Association (10)
9129340 Apparatuses, methods and systems for remote deposit capture with enhanced image detection 0 2010
8464933 Systems, methods and apparatus for receiving images of one or more checks 2 2011
8837806 Remote deposit image inspection apparatuses, methods and systems 4 2011
8688579 Automatic remote deposit image preparation apparatuses, methods and systems 15 2011
9159101 Image processing 0 2011
8611635 Duplicate check detection 1 2012
9158966 Character count determination for a digital image 0 2013
9336517 Systems and methods for alignment of check during mobile deposit 0 2014
9177197 Systems and methods for alignment of check during mobile deposit 0 2014
9177198 Systems and methods for alignment of check during mobile deposit 0 2014
 
INNOVENTRY CORP. (1)
6856965 Method and apparatus for automatic check cashing 145 1999
 
JPMORGAN CHASE BANK, N.A. (222)
7809636 System and method for multicurrency and multibank processing over a non-secure network 1 1999
8571975 System and method for sending money via E-mail over the internet 1 1999
7945492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents 9 2000
7805365 Automated statement presentation, adjustment and payment system and method therefor 24 2000
7068832 Lockbox imaging system 49 2000
7426530 System and method for providing customers with seamless entry to a remote server 33 2000
6867789 System and method for generating graphical user interfaces 34 2000
7058817 System and method for single sign on process for websites with multiple applications and services 93 2000
7747866 System and method providing improved error detection related to transmission of data over a communication link 9 2000
8015084 System and method for linked account having sweep feature 7 2000
7321864 System and method for providing funding approval associated with a project based on a document collection 123 2000
7584125 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 98 2000
7822656 International banking system and method 10 2001
* 2001/0034,682 International banking system and method 133 2001
8805739 System and method for electronic bill pay and presentment 0 2001
* 2004/0158,522 System and method for electronic bill pay and presentment 25 2001
7580890 System and method for supervising account management operations 5 2001
* 2002/0046,049 System and method for supervising account management operations 6 2001
7246263 System and method for portal infrastructure tracking 17 2001
* 2002/0062,373 System and method for portal infrastructure tracking 4 2001
7103576 System for providing cardless payment 59 2001
7099850 Methods for providing cardless payment 53 2001
* 2003/0061,167 System for providing cardless payment 9 2001
8285641 System and method for selectable funding of electronic transactions 1 2001
8438086 System and method for providing customers with seamless entry to a remote server 1 2001
* 2003/0101,116 System and method for providing customers with seamless entry to a remote server 28 2001
7987501 System and method for single session sign-on 14 2001
7546272 Trade receivable processing method and apparatus 29 2002
* 2002/0120,570 Trade receivable processing method and apparatus 42 2002
7454373 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 9 2002
7246324 Method and system for data capture with hidden applets 12 2002
* 2003/0218,633 Method and system for data capture with hidden applets 11 2002
7689482 System and method for payer (buyer) defined electronic invoice exchange 44 2002
7519560 System and method for electronic authorization of batch checks 43 2002
* 2003/0220,858 Method and system for collaborative vendor reconciliation 62 2002
* 2003/0220,863 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 31 2002
* 2003/0220,843 Method and system for buyer centric dispute resolution in electronic payment system 11 2002
7401048 System and method for trade settlement tracking and relative ranking 78 2002
* 2003/0046,219 System and method for trade settlement tracking and relative ranking 1 2002
7536354 Methods for electronic multiparty accounts receivable and accounts payable systems 112 2002
7689506 System and method for rapid updating of credit information 18 2002
* 2003/0018,549 System and method for rapid updating of credit information 147 2002
7143174 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
7587363 System and method for optimized funding of electronic transactions 135 2002
* 2003/0055,783 System and method for optimized funding of electronic transactions 75 2002
7472171 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
8266437 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
7860789 Multiple account advanced payment card and method of routing card transactions 18 2002
7058660 System and method for network-based project management 8 2002
* 2004/0068,517 System and method for network-based project management 8 2002
7689504 System and method for establishing or modifying an account with user selectable terms 42 2002
8301493 System and method for providing incentives to consumers to share information 1 2002
7801816 System and method for currency selectable stored value instrument 2 2003
7627521 System and method for processing mircotransactions 9 2003
7676431 Method and system for processing internet payments using the electronic funds transfer network 28 2003
7428531 Customer information management system and method 9 2003
7769650 Network-based sub-allocation systems and methods for swaps 34 2003
* 2004/0107,157 Network-based sub-allocation systems and methods for swaps 69 2003
7353383 System and method for single session sign-on with cryptography 32 2003
8751391 System and process for performing purchase transactions using tokens 28 2003
7899753 Systems and methods for time variable financial authentication 11 2003
8306907 System and method for offering risk-based interest rates in a credit instrument 2 2003
7376838 Method for controlled and audited access to privileged accounts on computer systems 16 2003
7421696 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
8630947 Method and system for providing electronic bill payment and presentment 14 2004
7742997 System and method for management and delivery of content and rules 10 2004
8190893 Portable security transaction protocol 13 2004
8290862 Method and system for expediting payment delivery 3 2004
* 2006/0089,891 System and method for generating expense information 5 2004
* 2010/0174,826 Information gathering system and method 7 2004
7983468 Method and system for extracting information from documents by document segregation 7 2005
* 2006/0149,664 Marketing system and method 11 2005
7380707 Method and system for credit card reimbursements for health care transactions 107 2005
7756896 System and method for multi-dimensional risk analysis 38 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
7360686 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 5 2005
8121944 Method and system for facilitating network transaction processing 85 2005
* 2006/0212,391 Method and system for facilitating network transaction processing 57 2005
7676409 Method and system for emulating a private label over an open network 53 2005
8185877 System and method for testing applications 36 2005
7822684 Personalized bank teller machine 11 2005
* 2006/0038,004 Personalized bank teller machine 73 2005
* 2006/0190,723 Payload layer security for file transfer 15 2005
7373304 System and method for integrated customer management 8 2005
7756816 System and method for network-based project management 3 2005
8290863 Method and system for expediting payment delivery 3 2005
* 2007/0055,625 Method and system for expediting payment delivery 8 2005
7783578 System for providing cardless payment 5 2006
7461265 System and method for single sign on process for websites with multiple applications and services 20 2006
7444672 System and method for single sign on process for websites with multiple applications and services 22 2006
* 2006/0129,835 System and method for single sign on process for websites with multiple applications and services 10 2006
7784682 System and method for granting promotional rewards to both customers and non-customers 5 2006
7822682 System and method for enhancing supply chain transactions 49 2006
8583926 System and method for anti-phishing authentication 4 2006
7317823 Lockbox imaging system 80 2006
9646304 System for providing cardless payment 0 2006
7753259 System and method for granting promotional rewards to both customers and non-customers 46 2006
7660764 Service charge adjustment platform 1 2006
7801814 System and method for selectable funding of electronic transactions 17 2006
7734545 Method and system for processing recurring payments 44 2006
8301529 Method and system for implementing effective governance of transactions between trading partners 1 2006
8145522 System and method for establishing or modifying an account with user selectable terms 33 2006
* 2007/0118,470 System and Method for Establishing or Modifying an Account With User Selectable Terms 27 2006
8468071 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
8793490 Systems and methods for multifactor authentication 4 2006
7366698 Trade receivable processing method and apparatus 7 2006
7966496 System and method for single sign on process for websites with multiple applications and services 15 2006
8296160 System and method for integrated customer management 2 2006
* 2007/0162,387 System and method for optimized funding of electronic transactions 47 2007
8335855 System and method for portal infrastructure tracking 2 2007
* 2007/0228,144 PROCESSING TRANSACTIONS USING A REGISTER PORTION TO TRACK TRANSACTIONS 12 2007
8185940 System and method for providing discriminated content to network users 2 2007
* 2008/0021,822 METHOD AND SYSTEM FOR RECEIVABLES MANAGEMENT 7 2007
8020754 System and method for funding a collective account by use of an electronic tag 6 2007
8768836 System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image 4 2007
7685013 System and method for automatic financial project management 26 2007
7916925 System and method for generating magnetic ink character recognition (MICR) testing documents 1 2007
8849716 System and method for preventing identity theft or misuse by restricting access 2 2007
* 2008/0040,249 METHOD FOR TRANSACTION PROCESSING IN A CAPTURE AND DEPOSIT 14 2007
7471818 Lockbox imaging system 59 2007
8118216 Method and system for discovering significant subsets in collection of documents 11 2007
8033451 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
7680735 Trade receivable processing method and apparatus 39 2007
7766244 System and method for processing transactions using a multi-account transactions device 48 2007
7707089 Method and system for automating fraud authorization strategies 16 2008
8788281 System and method for processing qualified healthcare account related financial transactions 1 2008
8473735 Systems and methods for managing digital certificates 5 2008
7743979 Method and system for credit card reimbursements for health care transactions 42 2008
* 2008/0228,641 METHOD AND SYSTEM FOR CREDIT CARD REIMBURSEMENTS FOR HEALTH CARE TRANSACTIONS 12 2008
7660765 System and method for processing microtransactions 6 2008
8762270 System and method for providing supplemental payment or transaction information 0 2008
7890422 Multiple account advanced payment card and method of routing card transactions 30 2008
8112355 Method and system for buyer centric dispute resolution in electronic payment system 0 2008
8391584 Method and system for duplicate check detection 0 2008
7668363 Lockbox imaging system 47 2008
* 2009/0060,314 LOCKBOX IMAGING SYSTEM 7 2008
8590008 System and method for single sign on process for websites with multiple applications and services 13 2008
8622308 System and method for processing transactions using a multi-account transactions device 0 2009
8321682 System and method for generating and managing administrator passwords 3 2009
8725611 System and method for providing borrowing schemes 0 2009
8554652 System and method for providing borrowing schemes 0 2009
8078528 System and method for providing borrowing schemes 50 2009
9240089 Systems and methods for time variable financial authentication 0 2009
7926711 System and method for granting promotional rewards to both customers and non-customers 10 2009
8459562 System and method for processing transactions using a multi-account transactions device 3 2009
8190522 System and method for providing borrowing schemes 3 2009
* 7962409 Method and system for processing internet payments using the electronic funds transfer network 8 2009
8065231 Trade receivable processing method and apparatus 1 2009
8408455 System and method for granting promotional rewards to both customers and non-customers 1 2009
8160960 System and method for rapid updating of credit information 37 2009
8386381 Method and system for detecting, monitoring and addressing data compromises 12 2009
8045784 Lockbox imaging system 39 2010
8170936 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 15 2010
8732072 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
8447641 System and method for automatically enrolling buyers into a network 1 2010
8032438 Method and system for automating fraud authorization strategies 12 2010
7904388 Method and system for processing recurring payments 0 2010
8015096 Network-based sub-allocation systems and methods for swaps 0 2010
9608826 System and method for partner key management 0 2010
8160942 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2010
8380597 International banking system and method 0 2010
8589288 System and method for electronic remittance of funds 1 2010
8554631 Method and system for determining point of sale authorization 6 2010
8517258 System and method for granting promotional rewards to both customers and non-customers 29 2011
8121385 System and method for generating magnetic ink character recognition (MICR) testing documents 0 2011
8543503 Systems and methods for automated invoice entry 0 2011
8543504 Systems and methods for automated invoice entry 0 2011
8473395 Universal payment protection 1 2011
8447672 Universal payment protection 1 2011
8190521 Method for processing internet point of sale payment using automated teller machine switch settlement 2 2011
8175967 Method for processing internet point of sale payment using automated teller machine switch settlement 10 2011
8175968 Method and system for processing internet payments using the electronic funds transfer network 11 2011
8244625 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 0 2011
8429072 System and method for processing microtransactions 0 2011
8515868 Multiple account advanced payment card and method of routing card transactions 2 2011
8429069 System and method for processing microtransactions 0 2011
8266054 System and method for implementing a consolidated application process 1 2012
8396798 Method and system for facilitating network transaction processing 2 2012
8694425 Method and system for processing internet payments using the electronic funds transfer network 1 2012
8433652 Method and system for processing internet payments using the electronic funds transfer network 1 2012
8468092 Method and system for processing internet payments using the electronic funds transfer network 0 2012
8452703 Method and system for processing internet payments using the electronic funds transfer network 0 2012
8538876 System and method for providing borrowing schemes 0 2012
8458070 System and method for providing customers with seamless entry to a remote server 0 2012
8484129 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 1 2012
D678653 Drive-up financial transaction machine 14 2012
9734484 System and method for implementing a consolidated application process 0 2012
8639017 Method and system for duplicate check detection 1 2012
8595083 Method and system for processing internet payments using the electronic funds transfer network 3 2012
8549315 System and method for generating and managing administrator passwords 0 2012
9020850 Method and system for implementing effective governance of transactions between trading partners 0 2012
9064273 System and method for management and delivery of content and rules 0 2013
8924289 International banking system and method 0 2013
D693984 Drive-up financial transaction machine 7 2013
8706625 System and method for providing borrowing schemes 0 2013
9710851 System and method for generating graphical user interface 0 2013
9092447 Method and system for duplicate detection 0 2013
8738521 Method and system for processing internet payments using the electronic funds transfer network 1 2013
8533086 Variable rate payment card 0 2013
D690074 Financial transaction machine 6 2013
8726011 Systems and methods for managing digital certificates 0 2013
8751383 Multiple account advanced payment card and method of routing card transactions 1 2013
9111278 Method and system for determining point of sale authorization 1 2013
9374366 System and method for anti-phishing authentication 0 2013
9058626 System and method for financial services device usage 0 2013
9419957 Confidence-based authentication 0 2014
9240012 Systems and methods for multifactor authentication 0 2014
9460469 System and method for financial services device usage 0 2015
9679293 Systems and methods for multifactor authentication 0 2015
9661021 System and method for anti-phishing authentication 0 2016
 
FEXCO MERCHANT SERVICES (2)
7458507 ATM machine and methods with currency conversion capabilities 41 2007
* 2007/0228,150 ATM MACHINE AND METHODS WITH CURRENCY CONVERSION CAPABILITIES 0 2007
 
GOLDLEAF ENTERPRISE PAYMENTS, INC. (3)
* 7383242 Computer-implemented method and apparatus for item processing 0 2001
* 2002/0073,060 Computer-implemented method and apparatus for item processing 1 2001
* 2005/0096,992 Image-enabled item processing for point of presentment application 51 2003
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (4)
6338049 User-generated traveler's checks 98 1997
6282523 Method and apparatus for processing checks to reserve funds 110 1998
7496537 User-generated traveler's checks 1 2001
* 2002/0042,766 User-generated traveler's checks 4 2001
 
IMPERIAL OIL LIMITED (1)
* 4532416 Transaction terminal with simplified data entry 78 1983
 
CHARLES SCHWAB & CO., INC. (2)
6968317 Method and apparatus for new accounts program 25 2000
7778902 Method and apparatus for a new accounts program 1 2005
 
BENEFICIAL FRANCHISE COMPANY, INC. (2)
* 5193057 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 73 1990
* 5724523 Electronic income tax refund system utilizing the tax refund to underwrite issuance of a secured credit card 75 1995
 
Federal Reserve Bank of Atlanta (1)
7653234 Method for communicating and matching electronic files for financial transactions 2 2006
 
INTUIT INC. (4)
* 5477037 Financial document dispensing apparatus and method 94 1994
* 5842185 Method and system for electronically tracking financial transactions 101 1994
7395241 Consumer-directed financial transfers using automated clearinghouse networks 76 2000
7720760 Consumer-directed financial transfers using automated clearinghouse networks 8 2008
 
Certegy Check Transaction Service, Inc. (1)
7257246 Check cashing systems and methods 39 2003
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
* 6644546 System and method for electronic check conversion at a point-of-sale terminal 27 2002
 
GENERAL ELECTRIC CAPITAL CORPORATION (2)
* 7574405 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)
7730310 Key transformation unit for a tamper resistant module 4 2007
 
Honeywell Information Systems Inc. (1)
* 4390968 Automated bank transaction security system 85 1980
 
COMPUCREDIT CORP. (1)
* 2006/0289,621 Dynamic fee structuring in a stored valude card program 32 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)
* 4727243 Financial transaction system 360 1984
 
FIRST DATA MERCHANT SERVICES (2)
7219832 ATM machine and methods with currency conversion capabilities 11 2005
* 2006/0022,032 ATM machine and methods with currency conversion capabilities 8 2005
 
Lazard Freres & Co. (2)
* 4648038 Methods and apparatus for restructuring debt obligations 90 1984
* 4739478 Methods and apparatus for restructuring debt obligations 192 1986
 
KROY IP HOLDINGS LLC (1)
7054830 System and method for incentive programs and award fulfillment 135 1999
 
INFOSPACE, INC. (1)
* 4529870 Cryptographic identification, financial transaction, and credential device 447 1982
 
MONEYFAX, INC. (1)
* 4625276 Data logging and transfer system using portable and resident units 274 1983
 
MATSUSHITA ELECTRIC INDUSTRIAL CO., LTD. (1)
* 5452439 Keyboard tutoring system 6 1992
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (7)
* 7680738 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 141 2001
7890404 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
8417607 System and method for executing cash payments via a computer network 0 2010
* 9710795 System and method for executing cash payments via a computer network 0 2013
* 2013/0198,073 SYSTEM AND METHOD FOR EXECUTING CASH PAYMENTS VIA A COMPUTER NETWORK 0 2013
* Cited By Examiner