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, CO416

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Braun, Edward L Gainesville, FL 5 695
Thomson, Eric A Newport Beach, CA 3 1251

Cited Art Landscape

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

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (166)
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 5 2000
7,805,365 Automated statement presentation, adjustment and payment system and method therefor 23 2000
7,068,832 Lockbox imaging system 42 2000
7,426,530 System and method for providing customers with seamless entry to a remote server 29 2000
6,867,789 System and method for generating graphical user interfaces 21 2000
7,058,817 System and method for single sign on process for websites with multiple applications and services 48 2000
7,747,866 System and method providing improved error detection related to transmission of data over a communication link 5 2000
8,015,084 System and method for linked account having sweep feature 2 2000
7,321,864 System and method for providing funding approval associated with a project based on a document collection 90 2000
7,584,125 Electronic check presentment system and method having an item sequence capability 2 2000
7,822,656 International banking system and method 4 2001
8,805,739 System and method for electronic bill pay and presentment 0 2001
7,580,890 System and method for supervising account management operations 3 2001
7,246,263 System and method for portal infrastructure tracking 15 2001
7,103,576 System for providing cardless payment 24 2001
7,099,850 Methods for providing cardless payment 25 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 5 2002
7,546,272 Trade receivable processing method and apparatus 26 2002
7,454,373 System and method for providing automated database assistance to financial service operators 0 2002
7,246,324 Method and system for data capture with hidden applets 12 2002
7,689,482 System and method for payer (buyer) defined electronic invoice exchange 27 2002
7,519,560 System and method for electronic authorization of batch checks 29 2002
7,437,327 Method and system for buyer centric dispute resolution in electronic payment system 41 2002
7,401,048 System and method for trade settlement tracking and relative ranking 61 2002
7,536,354 Methods for electronic multiparty accounts receivable and accounts payable systems 96 2002
7,689,506 System and method for rapid updating of credit information 11 2002
7,143,174 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 112 2002
7,472,171 Method and system for determining receipt of a delayed cookie in a client-server architecture 12 2002
8,266,437 Electronic vouchers and a system and method for issuing the same 0 2002
7,860,789 Multiple account advanced payment card and method of routing card transactions 12 2002
7,058,660 System and method for network-based project management 5 2002
7,689,504 System and method for establishing or modifying an account with user selectable terms 35 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 16 2003
7,428,531 Customer information management system and method 4 2003
7,769,650 Network-based sub-allocation systems and methods for swaps 22 2003
7,353,383 System and method for single session sign-on with cryptography 22 2003
8,751,391 System and process for performing purchase transactions using tokens 0 2003
7,899,753 Systems and methods for time variable financial authentication 4 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 11 2003
7,421,696 Methods and systems for managing successful completion of a network of processes 1 2004
8,630,947 Method and system for providing electronic bill payment and presentment 0 2004
7,742,997 System and method for management and delivery of content and rules 6 2004
8,190,893 Portable security transaction protocol 3 2004
8,290,862 Method and system for expediting payment delivery 1 2004
7,613,656 Coupon payment system 2 2004
7,983,468 Method and system for extracting information from documents by document segregation 2 2005
7,380,707 Method and system for credit card reimbursements for health care transactions 87 2005
7,756,896 System and method for multi-dimensional risk analysis 33 2005
7,360,686 Method and system for discovering significant subsets in collection of documents 1 2005
8,121,944 Method and system for facilitating network transaction processing 13 2005
7,676,409 Method and system for emulating a private label over an open network 39 2005
8,185,877 System and method for testing applications 12 2005
7,822,684 Personalized bank teller machine 8 2005
7,373,304 System and method for integrated customer management 4 2005
7,269,567 System and method for integrated customer management 3 2005
7,756,816 System and method for network-based project management 1 2005
8,290,863 Method and system for expediting payment delivery 1 2005
7,783,578 System for providing cardless payment 3 2006
7,461,265 System and method for single sign on process for websites with multiple applications and services 17 2006
7,444,672 System and method for single sign on process for websites with multiple applications and services 18 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 46 2006
8,583,926 System and method for anti-phishing authentication 0 2006
7,317,823 Lockbox imaging system 67 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 39 2006
7,406,426 System and method for integrated customer management 7 2006
7,660,764 Service charge adjustment platform 1 2006
7,801,814 System and method for selectable funding of electronic transactions 12 2006
7,734,545 Method and system for processing recurring payments 29 2006
8,301,529 Method and system for implementing effective governance of transactions between trading partners 0 2006
8,145,522 System and method for establishing or modifying an account with user selectable terms 4 2006
8,468,071 Processing transactions using a register portion to track transactions 0 2006
8,793,490 Systems and methods for multifactor authentication 0 2006
7,366,698 Trade receivable processing method and apparatus 6 2006
7,966,496 System and method for single sign on process for websites with multiple applications and services 5 2006
8,296,160 System and method for integrated customer management 0 2006
8,335,855 System and method for portal infrastructure tracking 0 2007
8,185,940 System and method for providing discriminated content to network users 1 2007
8,020,754 System and method for funding a collective account by use of an electronic tag 4 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 0 2007
7,685,013 System and method for automatic financial project management 14 2007
7,916,925 System and method for generating magnetic ink character recognition (MICR) testing documents 1 2007
7,471,818 Lockbox imaging system 41 2007
8,118,216 Method and system for discovering significant subsets in collection of documents 1 2007
8,033,451 System and method for funding a collective account by use of an electronic tag 1 2007
7,680,735 Trade receivable processing method and apparatus 25 2007
7,766,244 System and method for processing transactions using a multi-account transactions device 31 2007
7,707,089 Method and system for automating fraud authorization strategies 9 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 1 2008
7,743,979 Method and system for credit card reimbursements for health care transactions 27 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 15 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 31 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 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 12 2009
7,926,711 System and method for granting promotional rewards to both customers and non-customers 9 2009
8,459,562 System and method for processing transactions using a multi-account transactions device 2 2009
8,190,522 System and method for providing borrowing schemes 1 2009
7,962,409 Method and system for processing internet payments using the electronic funds transfer network 7 2009
8,065,231 Trade receivable processing method and apparatus 0 2009
8,408,455 System and method for granting promotional rewards to both customers and non-customers 0 2009
8,160,960 System and method for rapid updating of credit information 4 2009
8,386,381 Method and system for detecting, monitoring and addressing data compromises 1 2009
8,447,670 Universal payment protection 1 2009
8,045,784 Lockbox imaging system 18 2010
8,170,936 Method and system for emulating a private label over an open network 0 2010
8,732,072 System and method for establishing or modifying an account with user selectable terms 0 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 4 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 1 2010
8,517,258 System and method for granting promotional rewards to both customers and non-customers 0 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 4 2011
8,175,968 Method and system for processing internet payments using the electronic funds transfer network 4 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 0 2012
8,433,652 Method and system for processing internet payments using the electronic funds transfer network 0 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 7 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 1 2012
8,549,315 System and method for generating and managing administrator passwords 0 2012
D693984 Drive-up financial transaction machine 1 2013
8,706,625 System and method for providing borrowing schemes 0 2013
8,738,521 Method and system for processing internet payments using the electronic funds transfer network 0 2013
8,533,086 Variable rate payment card 0 2013
D690074 Financial transaction machine 2 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
 
CUMMINS-ALLISON CORP. (80)
6,363,164 Automated document processing system using full image scanning 259 1997
6,318,537 Currency processing machine with multiple internal coin receptacles 183 2000
6,637,576 Currency processing machine with multiple internal coin receptacles 74 2000
7,000,828 Remote automated document processing system 116 2001
7,647,275 Automated payment system and method 81 2001
7,187,795 Document processing system using full image scanning 93 2001
6,650,767 Automated deposit processing system and method 108 2002
6,665,431 Automated document processing system using full image scanning 104 2002
6,647,136 Automated check processing system and method 110 2002
6,603,872 Automated document processing system using full image scanning 113 2002
6,731,786 Document processing method and system 102 2002
6,724,926 Networked automated document processing system and method 110 2002
6,724,927 Automated document processing system with document imaging and value indication 105 2002
6,996,263 Network interconnected financial document processing devices 133 2002
6,678,401 Automated currency processing system 110 2002
6,654,486 Automated document processing system 102 2002
6,810,137 Automated document processing system and method 104 2002
6,678,402 Automated document processing system using full image scanning 119 2002
6,778,693 Automatic currency processing system having ticket redemption module 116 2002
6,843,418 System and method for processing currency bills and documents bearing barcodes in a document processing device 99 2002
7,200,255 Document processing system using full image scanning 149 2003
7,349,566 Image processing network 107 2003
7,903,863 Currency bill tracking system 47 2003
7,873,576 Financial document processing system 44 2003
8,125,624 Automated document processing system and method 40 2005
7,602,956 Document processing system using full image scanning 73 2005
7,620,231 Document processing system using full image scanning 86 2005
7,599,543 Document processing system using full image scanning 73 2005
7,778,456 Automatic currency processing system having ticket redemption module 70 2006
7,362,891 Automated document processing system using full image scanning 71 2006
7,929,749 System and method for saving statistical data of currency bills in a currency processing device 39 2006
7,946,406 Coin processing device having a moveable coin receptacle station 13 2006
7,366,338 Automated document processing system using full image scanning 62 2006
7,882,000 Automated payment system and method 40 2007
7,391,897 Automated check processing system with check imaging and accounting 95 2007
8,352,322 Automated document processing system using full image scanning 12 2007
8,346,610 Automated document processing system using full image scanning 13 2007
7,949,582 Machine and method for redeeming currency to dispense a value card 38 2007
RE44252 Coin redemption system 2 2007
7,619,721 Automated document processing system using full image scanning 75 2007
7,542,598 Automated check processing system with check imaging and accounting 86 2008
8,204,293 Document imaging and processing system 44 2008
8,380,573 Document processing system 13 2008
8,701,857 System and method for processing currency bills and tickets 0 2008
7,980,378 Systems, apparatus, and methods for currency processing control and redemption 17 2009
8,103,084 Document processing system using full image scanning 32 2009
8,041,098 Document processing system using full image scanning 32 2009
7,881,519 Document processing system using full image scanning 39 2009
8,514,379 Automated document processing system and method 2 2009
8,538,123 Apparatus and system for imaging currency bills and financial documents and method for using the same 2 2010
8,478,019 Apparatus and system for imaging currency bills and financial documents and method for using the same 2 2010
8,478,020 Apparatus and system for imaging currency bills and financial documents and method for using the same 2 2010
8,467,591 Apparatus and system for imaging currency bills and financial documents and method for using the same 4 2010
8,437,528 Apparatus and system for imaging currency bills and financial documents and method for using the same 9 2010
8,437,529 Apparatus and system for imaging currency bills and financial documents and method for using the same 9 2010
8,437,530 Apparatus and system for imaging currency bills and financial documents and method for using the same 9 2010
8,437,532 Apparatus and system for imaging currency bills and financial documents and method for using the same 10 2010
8,433,123 Apparatus and system for imaging currency bills and financial documents and method for using the same 10 2010
8,428,332 Apparatus and system for imaging currency bills and financial documents and method for using the same 10 2010
8,417,017 Apparatus and system for imaging currency bills and financial documents and method for using the same 15 2010
8,162,125 Apparatus and system for imaging currency bills and financial documents and method for using the same 46 2010
8,391,583 Apparatus and system for imaging currency bills and financial documents and method for using the same 12 2010
8,627,939 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2010
8,126,793 Automated payment system and method 30 2010
8,169,602 Automated document processing system and method 29 2011
8,396,278 Document processing system using full image scanning 15 2011
8,442,296 Check and U.S. bank note processing device and method 9 2011
8,437,531 Check and U.S. bank note processing device and method 10 2011
8,339,589 Check and U.S. bank note processing device and method 14 2011
8,714,336 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2012
8,644,583 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,655,045 System and method for processing a deposit transaction 1 2013
8,644,584 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,644,585 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,639,015 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,594,414 Apparatus and system for imaging currency bills and financial documents and method for using the same 1 2013
8,559,695 Apparatus and system for imaging currency bills and financial documents and method for using the same 2 2013
8,655,046 Apparatus and system for imaging currency bills and financial documents and method for using the same 0 2013
8,542,904 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 0 2013
 
THE WESTERN UNION COMPANY (46)
7,165,052 Payment service method and system 22 2001
7,606,734 Wide area network person-to-person payment 12 2001
7,613,653 Money order debit from stored value fund 2 2001
7,398,252 Automated group payment 32 2001
7,266,533 Electronic gift greeting 14 2001
7,158,955 Electronic identifier payment systems and methods 57 2001
7,596,529 Buttons for person to person payments 4 2002
7,107,249 Electronic identifier payment systems and methods 92 2002
7,096,205 Systems and methods for enrolling consumers in goods and services 10 2002
7,600,673 Systems and methods for performing transactions at a point-of-sale 27 2002
7,086,584 Systems and methods for configuring a point-of-sale system 52 2002
6,886,742 Systems and methods for deploying a point-of sale device 120 2002
6,827,260 Systems and methods for utilizing a point-of-sale system 139 2002
7,130,817 Electronic gift linking 18 2002
8,374,962 Stored value payouts 0 2003
8,244,632 Automated transfer with stored value 0 2003
7,124,936 Point of sale payment terminal 7 2003
7,184,989 Staged transactions systems and methods 12 2003
8,086,539 Value processing network and methods 2 2003
7,103,577 Systems and methods for staging transactions, payments and collections 23 2003
7,117,183 Airline ticket payment and reservation system and methods 22 2004
7,917,395 Wireless network access prepayment systems and methods 0 2004
8,015,085 System for distributing funds 31 2004
7,641,109 Money transfer cards, systems and methods 3 2005
7,392,940 In-lane money transfer systems and methods 2 2005
8,672,220 Money transfer system and method 0 2005
8,706,640 Systems and methods for enrolling consumers in goods and services 0 2006
7,540,410 Point of sale payment terminal 1 2006
8,150,763 Systems and methods for staging transactions, payments and collections 0 2006
7,506,809 Systems and methods for configuring a point-of-sale system 3 2006
8,515,874 Airline ticket payment and reservation system and methods 0 2006
7,512,552 Electronic gift linking 20 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
8,818,904 Generation systems and methods for transaction identifiers having biometric keys associated therewith 0 2007
7,933,835 Secure money transfer systems and methods using biometric keys associated therewith 4 2007
8,504,473 Money transfer system and messaging system 1 2007
7,908,179 Electronic gift linking 2 2007
7,716,128 Electronic indentifier payment systems and methods 3 2007
7,753,267 In-lane money transfer systems and methods 3 2008
8,024,229 Wide area network person-to-person payment 3 2008
7,941,342 Wide area network person-to-person payment 0 2008
7,941,346 Wide area network person-to-person payment 0 2008
7,937,292 Wide area network person-to-person payment 8 2008
8,837,784 Biometric based authorization systems for electronic fund transfers 0 2012
8,762,267 Money transfer system and messaging system 0 2013
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (32)
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 1 2006
8,351,677 Systems and methods for remote deposit of checks 2 2006
7,885,451 Systems and methods for displaying negotiable instruments derived from various sources 24 2006
7,876,949 Systems and methods for remote deposit of checks 21 2006
7,873,200 Systems and methods for remote deposit of checks 22 2006
8,433,127 Systems and methods for real-time validation of check image quality 1 2007
8,358,826 Systems and methods for receiving and orienting an image of one or more checks 2 2007
8,046,301 Systems and methods to modify a negotiable instrument 20 2007
8,001,051 Systems and methods to modify a negotiable instrument 21 2007
7,996,314 Systems and methods to modify a negotiable instrument 19 2007
7,996,315 Systems and methods to modify a negotiable instrument 19 2007
7,996,316 Systems and methods to modify a negotiable instrument 20 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 8 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 4 2007
7,900,822 Systems, methods, and apparatus for receiving images of one or more checks 21 2007
7,896,232 Systems, methods, and apparatus for receiving images of one or more checks 21 2007
8,351,678 Duplicate check detection 3 2008
8,422,758 Systems and methods of check re-presentment deterrent 3 2008
7,974,899 Atomic deposit transaction 55 2008
7,962,411 Atomic deposit transaction 55 2008
7,885,880 Atomic deposit transaction 56 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 23 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 1 2009
8,699,779 Systems and methods for alignment of check during mobile deposit 1 2009
8,392,332 Systems and methods for remote deposit of checks 2 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 0 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 1 2011
8,611,635 Duplicate check detection 1 2012
 
InterTrust Technologies Corp. (29)
7,133,845 System and methods for secure transaction management and electronic rights protection 105 1999
7,069,451 Systems and methods for secure transaction management and electronic rights protection 74 1999
7,133,846 Digital certificate support system, methods and techniques for secure electronic commerce transaction and rights management 168 1999
7,165,174 Trusted infrastructure support systems, methods and techniques for secure electronic commerce transaction and rights management 64 1999
7,092,914 Methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 41 2000
7,430,670 Software self-defense systems and methods 81 2000
7,143,290 Trusted and secure techniques, systems and methods for item delivery and execution 30 2000
7,062,500 Techniques for defining, using and manipulating rights management data structures 75 2000
7,095,854 Systems and methods for secure transaction management and electronic rights protection 40 2000
6,948,070 Systems and methods for secure transaction management and electronic rights protection 115 2000
7,076,652 Systems and methods for secure transaction management and electronic rights protection 118 2001
7,120,800 Systems and methods for secure transaction management and electronic rights protection 81 2001
7,120,802 Systems and methods for using cryptography to protect secure computing environments 31 2001
7,124,302 Systems and methods for secure transaction management and electronic rights protection 97 2001
7,143,066 Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 62 2002
7,110,983 Methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 64 2002
6,938,021 Methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 121 2002
8,307,212 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels 0 2003
7,100,199 Systems and methods for secure transaction management and electronic rights protection 61 2003
8,751,793 Trusted infrastructure support systems, methods and techniques for secure electronic commerce transaction and rights management 0 2003
7,415,617 Trusted infrastructure support systems, methods and techniques for secure electronic commerce, electronic transactions, commerce process control and automation, distributed computing, and rights management 90 2004
7,392,395 Trusted and secure techniques, systems and methods for item delivery and execution 13 2005
7,281,133 Trusted and secure techniques, systems and methods for item delivery and execution 22 2005
7,844,835 Systems and methods for secure transaction management and electronic rights protection 9 2005
8,533,851 Systems and methods for secure transaction management and electronic rights protection 1 2006
8,185,473 Trusted infrastructure support systems, methods and techniques for secure electronic commerce, electronic transactions, commerce process control and automation, distributed computing, and rights management 17 2006
7,917,749 Systems and methods for secure transaction management and electronic rights protection 4 2006
8,543,842 System and methods for secure transaction management and electronics rights protection 1 2006
7,925,898 Systems and methods using cryptography to protect secure computing environments 4 2006
 
YT ACQUISITION CORPORATION (20)
6,269,348 Tokenless biometric electronic debit and credit transactions 232 1999
6,230,148 Tokenless biometric electric check transaction 147 1999
6,154,879 Tokenless biometric ATM access system 243 1999
6,397,198 Tokenless biometric electronic transactions using an audio signature to identify the transaction processor 108 1999
7,613,659 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse 54 1999
7,882,032 System and method for tokenless biometric authorization of electronic communications 18 2000
6,950,810 Tokenless biometric electronic financial transactions via a third party identicator 41 2000
6,879,966 Tokenless biometric electronic financial transactions via a third party identicator 47 2001
6,581,042 Tokenless biometric electronic check transactions 72 2001
6,662,166 Tokenless biometric electronic debit and credit transactions 167 2001
7,631,193 Tokenless identification system for authorization of electronic transactions and electronic transmissions 26 2002
6,920,435 Tokenless biometric electronic transactions using an audio signature to identify the transaction processor 18 2002
7,152,045 Tokenless identification system for authorization of electronic transactions and electronic transmissions 66 2002
7,620,605 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse 21 2005
7,536,352 Tokenless biometric electronic financial transactions via a third party identicator 19 2005
7,606,401 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse 29 2005
7,248,719 Tokenless electronic transaction system 22 2005
8,260,716 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse 1 2005
7,698,567 System and method for tokenless biometric electronic scrip 12 2005
7,558,407 Tokenless electronic transaction system 22 2007
 
FIRST DATA CORPORATION (19)
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 62 1999
7,050,996 Method for linking accounts corresponding to different products together to create a group 74 1999
6,993,510 System and method for managing accounts 27 2002
7,949,594 Systems and methods for participant controlled communications regarding financial accounts 1 2003
7,707,110 System and method for conducting transactions with different forms of payment 2 2004
7,831,519 Methods and systems for electromagnetic initiation of secure transactions 3 2004
7,463,946 Mail handling equipment and methods 6 2005
8,751,250 Health care eligibility verification and settlement systems and methods 0 2005
7,587,342 Method for requesting and receiving an online payment through a payment enabler system 3 2006
8,606,670 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 40 2007
7,813,982 Unit-based prepaid presentation instrument accounts and methods 1 2007
8,565,723 Onetime passwords for mobile wallets 0 2007
7,610,222 Method for providing a money transfer service through a payment enabler system 12 2007
8,073,736 Systems and methods for redeeming rewards associated with accounts 0 2007
8,095,113 Onetime passwords for smart chip cards 4 2009
8,346,611 Systems and methods for pre-paid futures procurement 0 2009
 
OUTERWALL INC. (17)
6,854,581 Coin counter and voucher dispensing machine and method 36 2002
6,736,251 Coin counter and voucher dispensing machine and method 29 2002
8,033,375 Methods and systems for exchanging and/or transferring various forms of value 2 2003
7,865,432 Methods and systems for exchanging and/or transferring various forms of value 6 2003
7,653,599 Methods and systems for exchanging and/or transferring various forms of value 16 2003
6,758,316 Coin counter and voucher dispensing machine and method 42 2003
6,976,570 Coin counter and voucher dispensing machine and method 35 2003
7,131,580 Coin counter and voucher dispensing machine and method 31 2005
7,464,802 Method and apparatus for conditioning coins prior to discrimination 15 2006
7,303,119 Coin counter and voucher dispensing machine and method 29 2006
7,520,374 Coin discrimination apparatus and method 21 2007
7,527,193 Coin counter and voucher dispensing machine and method 4 2007
8,332,313 Methods and systems for exchanging and/or transferring various forms of value 1 2008
7,874,478 Coin counter and voucher dispensing machine and method 19 2009
8,103,586 Methods and systems for exchanging and/or transferring various forms of value 2 2009
8,024,272 Methods and systems for exchanging/transferring gift cards 6 2010
8,229,851 Methods and systems for exchanging/transferring gift cards 8 2011
 
CITIBANK, N.A. (11)
4,751,640 Automated investment system 244 1984
5,453,601 Electronic-monetary system 712 1991
5,898,154 System and method for updating security information in a time-based electronic monetary system 131 1995
5,455,407 Electronic-monetary system 413 1995
5,799,087 Electronic-monetary system 235 1995
6,047,067 Electronic-monetary system 271 1997
5,963,648 Electronic-monetary system 230 1997
5,920,629 Electronic-monetary system 307 1997
6,122,625 Apparatus and method for secure transacting 280 1998
6,047,887 System and method for connecting money modules 49 1998
6,868,408 Security systems and methods applicable to an electronic monetary system 40 2000
 
DIEBOLD, INCORPORATED (11)
4,871,085 Apparatus for identifying and indicating the content of document canisters 20 1986
6,042,003 Lighting system for automated banking machine 3 1998
6,749,111 Automated banking machine 16 2001
7,433,844 Automated banking machine currency tracking method 1 2002
7,028,888 Automated banking machine currency tracking system 33 2002
6,981,638 Automated banking machine 0 2004
7,584,883 Check cashing automated banking machine 1 2005
7,513,417 Automated banking machine 2 2005
7,559,460 Automated banking machine 0 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 0 2010
 
MULTOS LIMITED (9)
7,689,826 Flexibly loading a tamper resistant module 3 2007
7,584,358 Tamper resistant module certification authority 3 2007
7,734,923 Key transformation unit for a tamper resistant module 4 2007
7,523,495 Methods and systems for IC card application loading 4 2007
7,730,311 Key transformation unit for a tamper resistant module 4 2007
7,707,408 Key transformation unit for a tamper resistant module 4 2007
7,669,055 Key transformation unit for a tamper resistant module 5 2007
7,730,312 Tamper resistant module certification authority 5 2007
7,702,908 Tamper resistant module certification authority 3 2007
 
CITICORP DEVELOPMENT CENTER, INC. (8)
5,963,647 Method and system for transferring funds from an account to an individual 238 1997
7,792,753 System and method for image depositing, image presentment and deposit taking in a commercial environment 32 1999
7,502,752 System and method for delivering financial services 10 2000
8,065,226 Method and system for performing a cash transaction with a self-service financial transaction terminal 1 2001
8,543,982 Delivering financial services to remote devices 1 2007
8,204,830 Global method and system for providing enhanced transactional functionality through a customer terminal 0 2011
8,364,589 Method and system for performing a cash transaction with a self-service financial transaction terminal 0 2011
8,554,672 Method and system for performing a cash transaction with a self-service financial transaction terminal 0 2012
 
CHECKFREE CORPORATION (7)
7,240,031 Bill payment system and method with a master merchant database 26 2000
7,213,003 Bill payment system and method utilizing bank routing numbers 17 2000
7,107,244 Bill payment system and method with merchant information 26 2001
7,933,826 Check metaphor for electronic payment authorization 0 2001
7,853,524 Systems and methods for risk based determination of a form for crediting a payee on behalf of a payer 6 2001
7,702,585 Methods and systems for the determination and display of payment lead time in an electronic payment system 6 2006
8,165,956 Bill availability notification and billing information request 0 2011
 
MONDEX INTERNATIONAL LIMITED (7)
5,623,547 Value transfer system 145 1995
6,220,510 Multi-application IC card with delegation feature 148 1998
6,164,549 IC card with shell feature 53 1998
6,328,217 Integrated circuit card with application history list 12 1998
6,742,120 System and method for controlling access to computer code in an IC card 76 1998
6,736,325 Codelets 5 1999
6,761,319 Configuration of IC card 12 2001
 
ATC REALTY FIFTEEN, INC. (6)
6,149,056 Automatic check cashing using biometric identification verification 231 1997
6,145,738 Method and apparatus for automatic check cashing 194 1997
6,045,039 Cardless automated teller transactions 271 1997
6,786,398 Method and apparatus for automatic cashing of a negotiable instrument 115 2000
6,286,756 Cardless automated teller transactions 131 2000
6,695,204 Method and apparatus for automatic check cashing 54 2000
 
PPS DATA, LLC (6)
7,181,430 Method and system for processing financial instrument deposits physically remote from a financial institution 60 2000
7,216,106 Method and system for processing financial instrument deposits physically remote from a financial institution 101 2000
7,386,511 Methods and systems for processing financial instrument deposits 76 2003
7,440,924 Method and system for processing financial instrument deposits physically remote from a financial institution 48 2004
7,624,071 Method and system for processing financial instrument deposits physically remote from a financial institution 4 2008
8,126,809 Method and system for processing financial instrument deposits physically remote from a financial institution 1 2009
 
STEPNEXUS HOLDINGS, A CAYMAN ISLAND EXEMPTED LIMITED COMPANY (6)
6,575,372 Secure multi-application IC card system having selective loading and deleting capability 23 1998
6,385,723 Key transformation unit for an IC card 66 1998
6,488,211 System and method for flexibly loading in IC card 15 1998
7,469,339 Secure multiple application card system and process 5 2001
6,659,354 Secure multi-application IC card system having selective loading and deleting capability 11 2001
6,742,715 System and method for flexibly loading an IC card 10 2002
 
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
 
CATALINA MARKETING CORPORATION (5)
7,958,224 Incentive network for distributing incentives on a network-wide basis and for permitting user access to individual incentives from a plurality of network servers 2 1999
7,917,386 Virtual couponing method and apparatus for use with consumer kiosk 30 1999
8,626,581 Virtual couponing method and apparatus for use with consumer kiosk 0 2010
8,219,651 Incentive network for distributing incentives on a network-wide basis and for permitting user access to individual incentives from a plurality of network servers 1 2011
8,595,335 Incentive network for distributing incentives on a network-wide basis and for permitting user access to individual incentives from a plurality of network servers 0 2012
 
Omron Tateisi Electronics Co. (5)
4,423,316 Automatic banking system 56 1981
4,423,313 Transaction processing system 30 1982
4,634,848 Card information selecting system 66 1984
4,736,094 Financial transaction processing system using an integrated circuit card device 209 1985
4,673,802 System for making payments for transactions 94 1986
 
OPEN INVENTION NETWORK, LLC (5)
7,565,329 Biometric financial transaction system and method 23 2001
7,970,678 Biometric financial transaction system and method 7 2009
8,831,994 System and method for tokenless biometric authorization of electronic communications 0 2010
8,452,680 Biometric financial transaction system and method 0 2011
8,630,933 Biometric financial transaction system and method 0 2013
 
INTUIT INC. (4)
5,477,037 Financial document dispensing apparatus and method 88 1994
5,842,185 Method and system for electronically tracking financial transactions 93 1994
7,395,241 Consumer-directed financial transfers using automated clearinghouse networks 51 2000
7,720,760 Consumer-directed financial transfers using automated clearinghouse networks 7 2008
 
OFFICIAL PAYMENTS CORPORATION (4)
5,870,724 Targeting advertising in a home retail banking delivery service 442 1995
6,202,054 Method and system for remote delivery of retail banking services 385 1998
7,076,458 Method and system for remote delivery of retail banking services 89 2001
7,693,790 Method and system for remote delivery of retail banking services 13 2004
 
ONTARIO SYSTEMS, LLC (4)
5,504,677 Automated payment system 293 1992
5,966,698 Automated payment system and method 201 1996
5,727,249 Automated payment system and method 237 1996
6,041,315 Automated payment system and method 220 1997
 
Trans Texas Holdings Corporation (4)
4,742,457 System and method of investment management including means to adjust deposit and loan accounts for inflation 200 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 166 1998
8,121,924 Investment management 2 2000
 
VISA INTERNATIONAL SERVICE ASSOCIATION (4)
8,335,745 Method and system for processing micropayment transactions 1 2007
8,676,639 System and method for promotion processing and authorization 0 2010
8,280,788 Peer-to-peer and group financial management systems and methods 0 2010
8,676,674 Peer-to-peer and group financial management systems and methods 0 2012
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (3)
7,680,738 System and method for executing cash payments via a computer network 4 2001
7,890,404 System and method for executing cash payment via a computer network 0 2010
8,417,607 System and method for executing cash payments via a computer network 0 2010
 
Bottomline Technologies (DE) Inc. (3)
7,089,213 System and method for producing and verifying secure negotiable instruments 3 2002
7,133,844 System and method for producing and verifying secure negotiable instruments 5 2002
7,058,612 System and method for producing and verifying secure negotiable instruments 5 2002
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (3)
8,127,985 Automated banking machine operated responsive to data bearing records 1 2008
8,413,890 Automated banking machine that operates responsive to data read from data bearing records 0 2010
8,403,205 Automated banking machine that operates responsive to data read from data bearing records 0 2010
 
FRAUD CONTROL SYSTEMS.COM CORPORATION (3)
8,630,942 Method of billing a purchase made over a computer network 0 2008
8,229,844 Method of billing a purchase made over a computer network 3 2008
8,190,513 Method of billing a purchase made over a computer network 2 2008
 
Fulfillment Systems Inc. (3)
5,053,955 Process and apparatus for administering promotional mailings 67 1989
5,085,470 Combined post card and check 41 1991
5,321,604 Apparatus and process for administering promotional mailing 36 1992
 
III HOLDINGS 1, LLC (3)
7,500,598 Negotiable instruments and systems and processing same 1 2003
7,861,923 Negotiable instruments and systems and processing same 1 2008
8,083,132 Negotiable instruments and systems and processing same 0 2010
 
LML PATENT CORP. (3)
6,164,528 Check writing point of sale system 186 1996
6,283,366 Check writing point of sale system 122 2000
RE40220 Check writing point of sale system 31 2004
 
MONEY NETWORK FINANCIAL, LLC (3)
8,365,987 Pre-allocated negotiable instrument and presentation instrument purchasing and activation systems and methods 0 2007
8,286,860 Negotiable instrument to presentation instrument value porting systems and methods 0 2007
8,775,279 Payroll receipt using a trustee account systems and methods 0 2008
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (3)
6,647,376 System and method for point-of-sale check authorization 66 2000
7,979,348 Payment identification code and payment system using the same 3 2003
8,725,607 Electronic payment clearing and check image exchange systems and methods 0 2004
 
WALKER DIGITAL, LLC (3)
6,338,049 User-generated traveler's checks 91 1997
6,282,523 Method and apparatus for processing checks to reserve funds 88 1998
7,496,537 User-generated traveler's checks 1 2001
 
AMAZON TECHNOLOGIES, INC. (2)
6,760,470 Extraction of bank routing number from information entered by a user 20 2000
7,546,261 Extraction of bank routing number from information entered by a user 0 2004
 
ASOID NETWORK FACILITY, LLC (2)
7,672,892 Real time network exchange with seller specified exchange parameters and interactive seller participation 9 2000
8,583,535 Operation of auctions over computer networks 0 2006
 
AUTOSCRIBE CORPORATION (2)
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
 
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 71 1990
5,724,523 Electronic income tax refund system utilizing the tax refund to underwrite issuance of a secured credit card 73 1995
 
CASI-RUSCO INC. (2)
4,538,056 Card reader for time and attendance 39 1985
4,816,658 Card reader for security system 46 1987
 
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
 
CHASE MANHATTAN BANK, THE (2)
6,704,714 Virtual private lock box 211 2000
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 443 2000
 
CITIBANK DEVELOPMENT CENTER, INC. (2)
8,112,330 System and method for delivering financial services 2 2000
8,543,506 System and method for delivering financial services 0 2011
 
COLUMBIA INNOVATION ENTERPRISE (2)
7,272,855 Unified monitoring and detection of intrusion attacks in an electronic system 6 2000
7,013,296 Using electronic security value units to control access to a resource 17 2000
 
CORPORATE CLASS SOFTWARE, INC., A CORP OF DE (2)
4,989,141 Computer system for financial analyses and reporting 256 1987
5,189,608 Method and apparatus for storing and generating financial information employing user specified input and output formats 172 1990
 
DATATREASURY CORPORATION (2)
5,774,663 Personal banker customer management system providing interactive video communication in real time concerning banking information 79 1995
8,024,269 Remote image capture with centralized processing and storage 1 1999
 
FISERV, INC. (2)
8,244,646 Systems and methods for determining estimated lead times 1 2009
8,433,659 Systems and methods for determining estimated lead times 0 2012
 
FIVE 2 SOLUTIONS LIMITED LIABILITY COMPANY (2)
5,265,033 ATM/POS based electronic mail system 380 1991
5,473,143 ATM/POS based electronic mail system 300 1993
 
HITACHI, LTD. (2)
4,482,802 Transaction handling system 38 1982
4,782,442 Time-sharing computer system operable in a host TSS mode and a terminal TSS mode 23 1987
 
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 188 1986
 
NCR CORPORATION (2)
4,385,285 Check dispensing terminal 160 1981
7,383,213 Apparatus and method for maintaining a children's automated bank account 7 2000
 
Optowand, Inc. (2)
D348872 Compact magnetic ink character recognition and magnetic stripe reader 8 1993
5,308,959 Magnetic stripe and magnetic ink character recognition reader 11 1993
 
PERTECH RESOURCES, INC. (2)
6,293,469 Transaction printer 43 1996
6,439,454 Transaction printer 25 2000
 
SKYDECK CORPORATION (2)
7,028,827 Coin counter/sorter and coupon/voucher dispensing machine and method 41 1996
7,971,699 Coin counter/sorter and coupon/voucher dispensing machine and method 0 2006
 
SUMITOMO MITSUI BANKING CORPORATION (2)
7,565,311 Conversion engine and financial reporting system using the conversion engine 1 2003
8,311,908 Conversion engine and financial reporting system using the conversion engine 0 2009
 
U.S. BANCORP LICENSING, INC. (2)
7,702,577 System and method for conversion of initial transaction to final transaction 11 2004
7,702,553 System and method for conversion of initial transaction to final transaction 7 2008
 
U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL TRUSTEE (2)
7,792,717 Waterfall prioritized payment processing 59 2004
8,620,786 System and method for waterfall prioritized payment processing 0 2010
 
ACP SYSTEMS LTD. (1)
6,837,424 Cheque processor 1 2002
 
AFFILIATED COMPUTER SERVICES, INC. (1)
6,038,553 Self service method of and system for cashing checks 247 1997
 
AMERICAN ACADEMY OF SCIENCE (1)
4,714,989 Funtionally structured distributed data processing system 63 1986
 
Beneficial Management Corporation of America (1)
4,890,228 Electronic income tax refund early payment system 100 1988
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 395 1990
 
CASH BOX, INC. (1)
5,592,377 Check cashing system 221 1995
 
Certegy Check Transaction Service, Inc. (1)
7,257,246 Check cashing systems and methods 27 2003
 
CHASE MANHATTAN BANKS USA, NATIONAL ASSOCIATION (1)
7,272,857 Method/system for preventing identity theft or misuse by restricting access 11 2002
 
CHECKFREE SERVICES CORPORATION (1)
7,953,660 Method and system for payment processing 2 2001
 
CHRYSLER FIRST FINANCIAL SERVICES CORPORATION (1)
4,914,587 Financial data processing system with distributed data input devices and method of use 97 1987
 
CNG FINANCIAL CORPORATION (1)
8,234,215 Method for prepaid debit card with overdraft capabilities 4 2006
 
COMFIDEX CORP. (1)
6,725,220 System and method for integrating paper-based business documents with computer-readable data entered via a computer network 25 2001
 
Docutel/Olivetti Corporation (1)
4,636,947 ATM task scheduling system for simultaneous peripheral device transactions processing 52 1984
 
DST SYSTEMS, INC. (1)
7,962,517 Simultaneous real-time access to financial information 2 2010
 
ESCROWCARD, INC., A CORP. OF FLORIDA (1)
5,426,281 Transaction protection system 363 1993
 
ESPEED, INC. (1)
4,903,201 Automated futures trading exchange 949 1983
 
FEDERAL RESERVE BANK OF ATLANTA (1)
7,653,234 Method for communicating and matching electronic files for financial transactions 1 2006
 
FEDERAL RESERVE BANK OF SAN FRANCISCO (1)
6,990,224 Method and system for communicating and matching electronic files for financial transactions 10 2003
 
FEXCO (1)
7,458,507 ATM machine and methods with currency conversion capabilities 31 2007
 
FIRST DATA MERCHANT SERVICES (1)
7,219,832 ATM machine and methods with currency conversion capabilities 11 2005
 
FIRST USA MANAGEMENT SERVICES, INC. (1)
8,793,160 System and method for processing transactions 0 2003
 
FUJITSU LIMITED (1)
5,898,155 Automated teller machine including medium issuing apparatus for issuing supplementary information 5 1995
 
GENERAL ELECTRIC CAPITAL CORPORATION (1)
7,574,405 Apparatus and method for verifying source of funds regarding financial transactions 1 2004
 
Glory Kogyo Kabushiki Kaisha (1)
4,686,357 Method for confirming settled check cards and check card drawing apparatus 90 1985
 
GOLDLEAF ENTERPRISE PAYMENTS, INC. (1)
7,383,242 Computer-implemented method and apparatus for item processing 0 2001
 
GOOGLE INC. (1)
5,778,350 Data collection, processing, and reporting system 58 1995
 
GTE SUPPORT SERVICES, INCORPORATED, A CORP OF DE (1)
4,727,243 Financial transaction system 345 1984
 
HEWLETT-PACKARD COMPANY (1)
5,175,682 Check system and method including prioritizing checks for transmission to banks for processing 312 1990
 
HITACHI-OMRON TERMINAL SOLUTIONS CORP. (1)
6,801,658 Business form handling method and system for carrying out the same 30 2002
 
Honeywell Information Systems Inc. (1)
4,390,968 Automated bank transaction security system 77 1980
 
IMPERIAL OIL LIMITED (1)
4,532,416 Transaction terminal with simplified data entry 70 1983
 
Indiana Cash Drawer Company, Inc. (1)
4,626,844 Addressable electronic switch 16 1983
 
INDIVOS CORPORATION (1)
8,630,932 Biometric financial transaction system and method 0 2012
 
INFOSPACE, INC. (1)
4,529,870 Cryptographic identification, financial transaction, and credential device 410 1982
 
INNOVENTRY CORP. (1)
6,856,965 Method and apparatus for automatic check cashing 61 1999
 
INTEGRATED PAYMENT SYSTEMS INC. (1)
7,072,868 Methods and systems for negotiable-instrument fraud prevention 2 2003
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
5,202,549 Transaction machine having lighted user prompts 37 1991
 
International Check Services (1)
6,189,785 Demand deposit account data processing system 158 1998
 
INTERNATIONAL SECURITY NOTE AND COMPUTER CORPORATION 33 AVENIDA FEDERICO BOYD, APARTADO 951 PANAMA CITY,PANAMA (1)
4,630,201 On-line and off-line transaction security system using a code generated from a transaction parameter and a random number 329 1984
 
J.P. MORGAN CHASE & CO. (1)
7,831,508 System and method for implementing a consolidated application process 1 2000
 
J.P. MORGAN CHASE BANK (1)
7,392,386 Setuid-filter method for providing secure access to a credentials store for computer systems 0 2004
 
JENKINS, CAROLYN S. (1)
5,010,485 Apparatus, system and method for creating credit vouchers usable at point of purchase stations 209 1989
 
JP MORGAN CHASE (1)
7,814,003 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2004
 
KABUSHIKI KAISHA TOSHIBA (1)
5,936,219 Electronic payment system using check identifier and issue time for illegal acts detection 78 1996
 
KROY IP HOLDINGS LLC (1)
7,054,830 System and method for incentive programs and award fulfillment 70 1999
 
MATSUSHITA ELECTRIC INDUSTRIAL CO., LTD. (1)
5,452,439 Keyboard tutoring system 6 1992
 
METROPOLITAN LIFE INSURANCE COMPANY (1)
4,648,037 Method and apparatus for benefit and financial communication 156 1984
 
Money Networks Financial, LLC (1)
8,700,507 Payer-based account porting to portable value distribution systems and methods 0 2007
 
MONEYFAX, INC. (1)
4,625,276 Data logging and transfer system using portable and resident units 243 1983
 
N GINE LLC (1)
6,442,533 Multi-processing financial transaction processing system 84 1998
 
N—gine, LLC (1)
6,904,411 Multi-processing financial transaction processing system 13 2002
 
Nasdaq Liffe Markets, LLC (1)
7,752,116 Liquidity engine for futures trading exchange 26 2002
 
National Bank Drafting Systems, Inc. (1)
7,103,579 Internet based check cashing and clearing method, apparatus and article of manufacture 22 2000
 
NATIONAL INVESTMENT SERVICES OF AMERICA INC. (1)
6,336,103 Rapid method of analysis for correlation of asset return to future financial liabilities 73 1989
 
NETDEPOSIT, LLC (1)
8,660,956 Method and system for processing financial instrument deposits physically remote from a financial institution 0 2011
 
NOAH SYSTEM, INC. (1)
5,193,055 Accounting system 50 1991
 
NOAH SYSTEMS, INC. (1)
7,822,657 Automated accounting system 3 2001
 
OKI ELECTRIC INDUSTRY CO., LTD. (1)
4,992,647 Ticket processing terminal device which accepts previously issued tickets for modification or exchange 53 1988
 
PARAGON TRADE BRANDS, INC. (1)
7,266,839 System and method for providing discriminated content to network users 18 2001
 
S.F. IP PROPERTIES 33 LLC (1)
5,163,098 System for preventing fraudulent use of credit card 106 1990
 
SCIENTIFIC-ATLANTA, INC. (1)
5,077,607 Cable television transaction terminal 280 1989
 
SEIKO EPSON CORPORATION (1)
7,045,394 Method of manufacturing semiconductor device and system of manufacturing semiconductor device 2 2004
 
SHARP KABUSHIKI KAISHA (1)
4,611,286 Cash accounting system 18 1985
 
SONY CORPORATION (1)
4,877,946 Card issuance apparatus with cancellation mode 10 1986
 
STEPNEXUS HOLDINGS (1)
7,730,310 Key transformation unit for a tamper resistant module 4 2007
 
SYBASE, INC. (1)
7,805,344 System providing methodology for consolidation of financial information 4 2004
 
The Advest Group, Inc. (1)
4,694,397 Banking/brokerage computer interface system 296 1984
 
THE PNC FINANCIAL SERVICES GROUP, INC. (1)
8,429,080 System and method for reordering checks 0 2012
 
Tokyo Electric Co., Ltd. (1)
4,683,536 Product sales data processing system for on-line connection to host CPU 51 1985
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
6,644,546 System and method for electronic check conversion at a point-of-sale terminal 24 2002
 
United Services Auto Association (USAA) (1)
8,538,124 Systems and methods for real-time validation of check image quality 2 2007
 
United States Automobile Association (USAA) (1)
7,949,587 Systems and methods for financial deposits by electronic message 21 2008
 
VECTORSGI, INC. (1)
7,555,156 Method and system for online communication between a check sorter and a check processing system 0 2005
 
VISA U.S.A. INC. (1)
7,827,108 System and method of validating a relationship between a user and a user account at a financial institution 1 2008
 
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 61 1999
 
XEROX CORPORATION (1)
5,952,638 Space efficient method of electronic payments 88 1996
 
XIGN (1)
8,554,673 Methods and systems for discounts management 0 2004
 
York Eggleston (1)
6,061,660 System and method for incentive programs and award fulfillment 552 1998
 
Other [Check patent profile for assignment information] (17)
4,637,634 Two-part bank draft 16 1985
4,630,844 Two-step bank draft 18 1985
4,675,515 Drive-through credit card payment device 82 1986
4,823,265 Renewable option accounting and marketing system 378 1987
4,810,866 Check validation/check writing system 67 1987
RE34872 Drive-through credit card payment device 15 1989
5,093,787 Electronic checkbook with automatic reconciliation 143 1990
5,351,994 Automated payment system and method 1992
5,285,384 Payroll trust check system 24 1993
8,579,705 Software verification and authentication 0 1999
6,464,134 System and method for verifying the authenticity of a check and authorizing payment thereof 84 1999
6,808,109 System and method for verifying the authenticity of a check and authorizing payment thereof 17 2002
7,788,184 Method for preventing identity theft 2 2005
7,155,614 System and method for single sign on process for websites with multiples applications and services 13 2006
7,717,333 Method and means for registering a debit card 0 2006
7,267,264 System and method for verifying the authenticity of a check and authorizing payment thereof 4 2006
7,708,201 System and method for verifying the authenticity of a check and authorizing payment thereof 1 2007