WO2002095540A3 - System and method for currency selectable stored value instrument - Google Patents

System and method for currency selectable stored value instrument Download PDF

Info

Publication number
WO2002095540A3
WO2002095540A3 PCT/US2002/016242 US0216242W WO02095540A3 WO 2002095540 A3 WO2002095540 A3 WO 2002095540A3 US 0216242 W US0216242 W US 0216242W WO 02095540 A3 WO02095540 A3 WO 02095540A3
Authority
WO
WIPO (PCT)
Prior art keywords
stored value
value instrument
currency
value
instrument
Prior art date
Application number
PCT/US2002/016242
Other languages
French (fr)
Other versions
WO2002095540A2 (en
Inventor
Melissa Alarcon-Luther
Debra C Fellner
Barry M Sabloff
Frank Charles Schell Iii
Peter Mark Mesrobian
Ginger Griffin
Michelle Dorion
Gus Karris
Original Assignee
First Usa Bank Na
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by First Usa Bank Na filed Critical First Usa Bank Na
Priority to CA2447945A priority Critical patent/CA2447945C/en
Priority to AU2002305679A priority patent/AU2002305679A1/en
Priority to MXPA03010650A priority patent/MXPA03010650A/en
Publication of WO2002095540A2 publication Critical patent/WO2002095540A2/en
Publication of WO2002095540A3 publication Critical patent/WO2002095540A3/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

The invention provides a currency selectable stored value instrument (140), whose currency maybe chosen or converted at the time the value is loaded, after load but prior to redemption of value, at the time of redemption, or at the other times. One embodiment of the system is configured so that the stored value instrument may be a plastic card with a magnetic stripe, compatible with card readers (125) on Automated Teller Machine (ATMs) or other terminals. In one embodiment, U.S. dollars may be converted to Mexican pesos when the stored value instrument is loaded at an ATM or other location in the United States. A user may subsequently redeem that value for legal tender in pesos at an ATM located in Mexico, for example, or for goods, services, or cash in other countries.
PCT/US2002/016242 2001-05-23 2002-05-23 System and method for currency selectable stored value instrument WO2002095540A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CA2447945A CA2447945C (en) 2001-05-23 2002-05-23 System and method for currency selectable stored value instrument
AU2002305679A AU2002305679A1 (en) 2001-05-23 2002-05-23 System and method for currency selectable stored value instrument
MXPA03010650A MXPA03010650A (en) 2001-05-23 2002-05-23 System and method for currency selectable stored value instrument.

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US29252801P 2001-05-23 2001-05-23
US60/292,528 2001-05-23
US09/983,901 2001-10-26
US09/983,901 US7313546B2 (en) 2001-05-23 2001-10-26 System and method for currency selectable stored value instrument

Publications (2)

Publication Number Publication Date
WO2002095540A2 WO2002095540A2 (en) 2002-11-28
WO2002095540A3 true WO2002095540A3 (en) 2003-03-20

Family

ID=26967386

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/016242 WO2002095540A2 (en) 2001-05-23 2002-05-23 System and method for currency selectable stored value instrument

Country Status (6)

Country Link
US (2) US7313546B2 (en)
AU (1) AU2002305679A1 (en)
CA (1) CA2447945C (en)
MX (1) MXPA03010650A (en)
PL (1) PL374399A1 (en)
WO (1) WO2002095540A2 (en)

Families Citing this family (148)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6363164B1 (en) 1996-05-13 2002-03-26 Cummins-Allison Corp. Automated document processing system using full image scanning
US8443958B2 (en) 1996-05-13 2013-05-21 Cummins-Allison Corp. Apparatus, system and method for coin exchange
US6615189B1 (en) 1998-06-22 2003-09-02 Bank One, Delaware, National Association Debit purchasing of stored value card for use by and/or delivery to others
US7809642B1 (en) 1998-06-22 2010-10-05 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US6032136A (en) 1998-11-17 2000-02-29 First Usa Bank, N.A. Customer activated multi-value (CAM) card
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
US8701857B2 (en) 2000-02-11 2014-04-22 Cummins-Allison Corp. System and method for processing currency bills and tickets
US7978899B2 (en) 2005-10-05 2011-07-12 Cummins-Allison Corp. Currency processing system with fitness detection
WO2003010701A1 (en) 2001-07-24 2003-02-06 First Usa Bank, N.A. Multiple account card and transaction routing
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US7752266B2 (en) 2001-10-11 2010-07-06 Ebay Inc. System and method to facilitate translation of communications between entities over a network
US6896118B2 (en) 2002-01-10 2005-05-24 Cummins-Allison Corp. Coin redemption system
US8033375B2 (en) 2002-02-15 2011-10-11 Coinstar, Inc. Methods and systems for exchanging and/or transferring various forms of value
CA2476502C (en) 2002-02-15 2016-10-11 Coinstar, Inc. Methods and systems for exchanging and/or transferring various forms of value
US7865432B2 (en) * 2002-02-15 2011-01-04 Coinstar, Inc. Methods and systems for exchanging and/or transferring various forms of value
US7743902B2 (en) 2002-03-11 2010-06-29 Cummins-Allison Corp. Optical coin discrimination sensor and coin processing system using the same
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US20040210498A1 (en) 2002-03-29 2004-10-21 Bank One, National Association Method and system for performing purchase and other transactions using tokens with multiple chips
AU2003230751A1 (en) 2002-03-29 2003-10-13 Bank One, Delaware, N.A. System and process for performing purchase transaction using tokens
US8065236B2 (en) * 2002-04-09 2011-11-22 The Western Union Company Coin currency conversion systems and methods
US8078505B2 (en) 2002-06-10 2011-12-13 Ebay Inc. Method and system for automatically updating a seller application utilized in a network-based transaction facility
US8171567B1 (en) 2002-09-04 2012-05-01 Tracer Detection Technology Corp. Authentication method and system
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
US20040098326A1 (en) * 2002-11-01 2004-05-20 First Data Corporation Stored value currency conversion systems and methods
US8393455B2 (en) 2003-03-12 2013-03-12 Cummins-Allison Corp. Coin processing device having a moveable coin receptacle station
US9881308B2 (en) 2003-04-11 2018-01-30 Ebay Inc. Method and system to facilitate an online promotion relating to a network-based marketplace
US8306907B2 (en) 2003-05-30 2012-11-06 Jpmorgan Chase Bank N.A. System and method for offering risk-based interest rates in a credit instrument
US7742985B1 (en) * 2003-06-26 2010-06-22 Paypal Inc. Multicurrency exchanges between participants of a network-based transaction facility
US8793187B2 (en) * 2003-10-17 2014-07-29 Nexxo Financial Corporation Self-service money remittance with an access card
WO2005038627A2 (en) * 2003-10-17 2005-04-28 Nexxo Financial Corporation Systems and methods for banking transactions using a stored-value card
US20050097046A1 (en) 2003-10-30 2005-05-05 Singfield Joy S. Wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system
US20070203788A1 (en) * 2004-01-12 2007-08-30 Andalib A H Gift giving process and system
WO2005086878A2 (en) * 2004-03-11 2005-09-22 Atrana Solutions, Inc. System for processing stored value instrument
BRPI0513236A (en) 2004-07-12 2008-04-29 Fexco direct currency conversion
US8523641B2 (en) * 2004-09-15 2013-09-03 Cummins-Allison Corp. System, method and apparatus for automatically filling a coin cassette
US9934640B2 (en) 2004-09-15 2018-04-03 Cummins-Allison Corp. System, method and apparatus for repurposing currency
US7783539B2 (en) * 2004-11-08 2010-08-24 First Data Corporation Derivative currency-exchange transactions
EP1667074B1 (en) * 2004-12-02 2019-10-30 mcity GmbH Method for automatically recording the use of fee-based vehicles and for deducting the fees
US8602200B2 (en) 2005-02-10 2013-12-10 Cummins-Allison Corp. Method and apparatus for varying coin-processing machine receptacle limits
US7401731B1 (en) 2005-05-27 2008-07-22 Jpmorgan Chase Bank, Na Method and system for implementing a card product with multiple customized relationships
JP2007041673A (en) * 2005-08-01 2007-02-15 Nec Corp Conversion terminal, conversion system, conversion server, conversion method, and program
US20070174212A1 (en) * 2006-01-24 2007-07-26 International Business Machines Corporation Method, system, and computer program product for providing location-specific transaction services
US8408455B1 (en) 2006-02-08 2013-04-02 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US7784682B2 (en) 2006-02-08 2010-08-31 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US7891561B2 (en) * 2006-02-16 2011-02-22 First Data Corporation Cash redemption of gift cards systems and methods
US7980378B2 (en) 2006-03-23 2011-07-19 Cummins-Allison Corporation Systems, apparatus, and methods for currency processing control and redemption
WO2007115262A2 (en) * 2006-03-31 2007-10-11 Mastercard International Incorporated A method and system for identifying and processing currency conversion in a financial transaction
US7753259B1 (en) 2006-04-13 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US8639782B2 (en) 2006-08-23 2014-01-28 Ebay, Inc. Method and system for sharing metadata between interfaces
US8708227B1 (en) 2006-10-31 2014-04-29 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US8351677B1 (en) 2006-10-31 2013-01-08 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US7873200B1 (en) 2006-10-31 2011-01-18 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US8799147B1 (en) 2006-10-31 2014-08-05 United Services Automobile Association (Usaa) Systems and methods for remote deposit of negotiable instruments with non-payee institutions
WO2008097549A1 (en) * 2007-02-05 2008-08-14 More Magic Solutions, Inc. System and methods for roaming subscribers to replenish stored value accounts
US8959033B1 (en) 2007-03-15 2015-02-17 United Services Automobile Association (Usaa) Systems and methods for verification of remotely deposited checks
US10380559B1 (en) 2007-03-15 2019-08-13 United Services Automobile Association (Usaa) Systems and methods for check representment prevention
US8433127B1 (en) 2007-05-10 2013-04-30 United Services Automobile Association (Usaa) Systems and methods for real-time validation of check image quality
US8538124B1 (en) 2007-05-10 2013-09-17 United Services Auto Association (USAA) Systems and methods for real-time validation of check image quality
US9058512B1 (en) 2007-09-28 2015-06-16 United Services Automobile Association (Usaa) Systems and methods for digital signature detection
US20090099964A1 (en) * 2007-10-10 2009-04-16 Calderon Gonzalez Efren System and method for transferring funds to a beneficiary
US9892454B1 (en) * 2007-10-23 2018-02-13 United Services Automobile Association (Usaa) Systems and methods for obtaining an image of a check to be deposited
US9898778B1 (en) * 2007-10-23 2018-02-20 United Services Automobile Association (Usaa) Systems and methods for obtaining an image of a check to be deposited
US9159101B1 (en) 2007-10-23 2015-10-13 United Services Automobile Association (Usaa) Image processing
US8358826B1 (en) 2007-10-23 2013-01-22 United Services Automobile Association (Usaa) Systems and methods for receiving and orienting an image of one or more checks
US8290237B1 (en) 2007-10-31 2012-10-16 United Services Automobile Association (Usaa) Systems and methods to use a digital camera to remotely deposit a negotiable instrument
US8320657B1 (en) 2007-10-31 2012-11-27 United Services Automobile Association (Usaa) Systems and methods to use a digital camera to remotely deposit a negotiable instrument
US7900822B1 (en) 2007-11-06 2011-03-08 United Services Automobile Association (Usaa) Systems, methods, and apparatus for receiving images of one or more checks
US10380562B1 (en) 2008-02-07 2019-08-13 United Services Automobile Association (Usaa) Systems and methods for mobile deposit of negotiable instruments
CA2660418C (en) 2008-03-25 2018-08-07 Cummins-Allison Corp. Self service coin redemption card printer-dispenser
US20090259579A1 (en) * 2008-04-09 2009-10-15 International Business Marchines Corp System and method for transferring monetary value between currency documents
WO2009143084A1 (en) 2008-05-18 2009-11-26 Zetawire, Inc. Secured electronic transaction system
US8351678B1 (en) 2008-06-11 2013-01-08 United Services Automobile Association (Usaa) Duplicate check detection
US8422758B1 (en) 2008-09-02 2013-04-16 United Services Automobile Association (Usaa) Systems and methods of check re-presentment deterrent
US10504185B1 (en) 2008-09-08 2019-12-10 United Services Automobile Association (Usaa) Systems and methods for live video financial deposit
US8391599B1 (en) 2008-10-17 2013-03-05 United Services Automobile Association (Usaa) Systems and methods for adaptive binarization of an image
US20100100399A1 (en) * 2008-10-20 2010-04-22 Hartford Fire Insurance Company System and method for administering insurance accounts
US8452689B1 (en) 2009-02-18 2013-05-28 United Services Automobile Association (Usaa) Systems and methods of check detection
US10956728B1 (en) 2009-03-04 2021-03-23 United Services Automobile Association (Usaa) Systems and methods of check processing with background removal
US8346611B2 (en) * 2009-04-21 2013-01-01 First Data Corporation Systems and methods for pre-paid futures procurement
US8542921B1 (en) 2009-07-27 2013-09-24 United Services Automobile Association (Usaa) Systems and methods for remote deposit of negotiable instrument using brightness correction
US9779392B1 (en) 2009-08-19 2017-10-03 United Services Automobile Association (Usaa) Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments
US8977571B1 (en) 2009-08-21 2015-03-10 United Services Automobile Association (Usaa) Systems and methods for image monitoring of check during mobile deposit
US8699779B1 (en) 2009-08-28 2014-04-15 United Services Automobile Association (Usaa) Systems and methods for alignment of check during mobile deposit
GB2476065A (en) * 2009-12-09 2011-06-15 Pol Nisenblat A multi-currency cash deposit and exchange method and system
US20110231269A1 (en) * 2010-03-18 2011-09-22 Michael Joseph Mulhall Method for Recipient Orientated Financial Services
US9881336B2 (en) * 2010-03-25 2018-01-30 Leftovercash, Inc. Foreign currency exchange system and method
US9129340B1 (en) 2010-06-08 2015-09-08 United Services Automobile Association (Usaa) Apparatuses, methods and systems for remote deposit capture with enhanced image detection
CA2815428C (en) 2010-11-01 2019-09-24 Coinstar, Inc. Gift card exchange kiosks and associated methods of use
US8545295B2 (en) 2010-12-17 2013-10-01 Cummins-Allison Corp. Coin processing systems, methods and devices
US20120233073A1 (en) * 2011-01-11 2012-09-13 Diane Salmon Universal Value Exchange Apparatuses, Methods and Systems
BR112013021059A2 (en) 2011-02-16 2020-10-27 Visa International Service Association Snap mobile payment systems, methods and devices
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
BR112013021057A2 (en) 2011-02-22 2020-11-10 Visa International Service Association universal electronic payment devices, methods and systems
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
WO2013006725A2 (en) 2011-07-05 2013-01-10 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US8874467B2 (en) 2011-11-23 2014-10-28 Outerwall Inc Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same
US10380565B1 (en) 2012-01-05 2019-08-13 United Services Automobile Association (Usaa) System and method for storefront bank deposits
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
US9129294B2 (en) 2012-02-06 2015-09-08 Outerwall Inc. Coin counting machines having coupon capabilities, loyalty program capabilities, advertising capabilities, and the like
US10049402B1 (en) 2012-06-13 2018-08-14 Jpmorgan Chase Bank, N.A. ATM privacy system and method
US9092924B1 (en) 2012-08-31 2015-07-28 Cummins-Allison Corp. Disk-type coin processing unit with angled sorting head
US10552810B1 (en) 2012-12-19 2020-02-04 United Services Automobile Association (Usaa) System and method for remote deposit of financial instruments
US11138578B1 (en) 2013-09-09 2021-10-05 United Services Automobile Association (Usaa) Systems and methods for remote deposit of currency
US9286514B1 (en) 2013-10-17 2016-03-15 United Services Automobile Association (Usaa) Character count determination for a digital image
WO2015080725A1 (en) * 2013-11-27 2015-06-04 Hewlett-Packard Development Company, L.P. Method and system for facilitating multi-currency card payment transactions
US9223951B2 (en) 2014-02-07 2015-12-29 Bank Of America Corporation User authentication based on other applications
US9208301B2 (en) 2014-02-07 2015-12-08 Bank Of America Corporation Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location
US9286450B2 (en) 2014-02-07 2016-03-15 Bank Of America Corporation Self-selected user access based on specific authentication types
US9647999B2 (en) 2014-02-07 2017-05-09 Bank Of America Corporation Authentication level of function bucket based on circumstances
US9965606B2 (en) 2014-02-07 2018-05-08 Bank Of America Corporation Determining user authentication based on user/device interaction
US9406065B2 (en) 2014-03-04 2016-08-02 Bank Of America Corporation Customer token preferences interface
US9721248B2 (en) 2014-03-04 2017-08-01 Bank Of America Corporation ATM token cash withdrawal
US10002352B2 (en) 2014-03-04 2018-06-19 Bank Of America Corporation Digital wallet exposure reduction
US9424572B2 (en) 2014-03-04 2016-08-23 Bank Of America Corporation Online banking digital wallet management
US9600844B2 (en) * 2014-03-04 2017-03-21 Bank Of America Corporation Foreign cross-issued token
US9830597B2 (en) 2014-03-04 2017-11-28 Bank Of America Corporation Formation and funding of a shared token
US9721268B2 (en) 2014-03-04 2017-08-01 Bank Of America Corporation Providing offers associated with payment credentials authenticated in a specific digital wallet
US9600817B2 (en) * 2014-03-04 2017-03-21 Bank Of America Corporation Foreign exchange token
US9501885B1 (en) 2014-07-09 2016-11-22 Cummins-Allison Corp. Systems, methods and devices for processing coins utilizing near-normal and high-angle of incidence lighting
US9508208B1 (en) 2014-07-25 2016-11-29 Cummins Allison Corp. Systems, methods and devices for processing coins with linear array of coin imaging sensors
US10685523B1 (en) 2014-07-09 2020-06-16 Cummins-Allison Corp. Systems, methods and devices for processing batches of coins utilizing coin imaging sensor assemblies
US9916713B1 (en) 2014-07-09 2018-03-13 Cummins-Allison Corp. Systems, methods and devices for processing coins utilizing normal or near-normal and/or high-angle of incidence lighting
US9430893B1 (en) 2014-08-06 2016-08-30 Cummins-Allison Corp. Systems, methods and devices for managing rejected coins during coin processing
US10089812B1 (en) 2014-11-11 2018-10-02 Cummins-Allison Corp. Systems, methods and devices for processing coins utilizing a multi-material coin sorting disk
US10402790B1 (en) 2015-05-28 2019-09-03 United Services Automobile Association (Usaa) Composing a focused document image from multiple image captures or portions of multiple image captures
US9875593B1 (en) 2015-08-07 2018-01-23 Cummins-Allison Corp. Systems, methods and devices for coin processing and coin recycling
US9729536B2 (en) 2015-10-30 2017-08-08 Bank Of America Corporation Tiered identification federated authentication network system
US10346819B2 (en) 2015-11-19 2019-07-09 Coinstar Asset Holdings, Llc Mobile device applications, other applications and associated kiosk-based systems and methods for facilitating coin saving
US20170178229A1 (en) * 2015-12-18 2017-06-22 Richard Seoh Leng Koh System and method for administering a financial account
WO2017151373A1 (en) * 2016-02-29 2017-09-08 Blackhawk Network, Inc. System and method for facilitating a purchase transaction via a merchant's foreign website
US10460367B2 (en) 2016-04-29 2019-10-29 Bank Of America Corporation System for user authentication based on linking a randomly generated number to the user and a physical item
US10268635B2 (en) 2016-06-17 2019-04-23 Bank Of America Corporation System for data rotation through tokenization
US10181234B2 (en) 2016-10-18 2019-01-15 Cummins-Allison Corp. Coin sorting head and coin processing system using the same
US10679449B2 (en) 2016-10-18 2020-06-09 Cummins-Allison Corp. Coin sorting head and coin processing system using the same
US10511692B2 (en) 2017-06-22 2019-12-17 Bank Of America Corporation Data transmission to a networked resource based on contextual information
US10313480B2 (en) 2017-06-22 2019-06-04 Bank Of America Corporation Data transmission between networked resources
US10524165B2 (en) 2017-06-22 2019-12-31 Bank Of America Corporation Dynamic utilization of alternative resources based on token association
JP7036580B2 (en) * 2017-12-13 2022-03-15 グローリー株式会社 Money deposit machine and accounting system
US11030752B1 (en) 2018-04-27 2021-06-08 United Services Automobile Association (Usaa) System, computing device, and method for document detection
GB2613488B (en) 2019-01-04 2023-08-23 Cummins Allison Corp Coin pad for coin processing system
JP6689441B1 (en) 2019-11-01 2020-04-28 エヌ・ティ・ティ・コミュニケーションズ株式会社 Electronic money management system and electronic money management method
US11900755B1 (en) 2020-11-30 2024-02-13 United Services Automobile Association (Usaa) System, computing device, and method for document detection and deposit processing

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6032135A (en) * 1997-04-29 2000-02-29 Diebold, Incorporated Electronic purse card value system terminal programming system and method
US6119946A (en) * 1997-04-01 2000-09-19 Cardis Enterprise International N.V. Countable electronic monetary system and method
US6298336B1 (en) * 1997-12-19 2001-10-02 Visa International Service Association Card activation at point of distribution

Family Cites Families (757)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3230650A (en) 1963-09-18 1966-01-25 Henry E Orkin Interchangeable year tabs for identification cards
US3634669A (en) 1969-07-16 1972-01-11 Aero Flow Dynamics Inc Analog computation of insurance and investment quantities
US3713235A (en) 1970-11-09 1973-01-30 H Roberts Combination credit card
US4130881A (en) 1971-07-21 1978-12-19 Searle Medidata, Inc. System and technique for automated medical history taking
US3946206A (en) * 1974-08-21 1976-03-23 R. D. Products, Inc. Magnetic-type information card and method and apparatus for encoding and reading
SE399602B (en) * 1974-10-25 1978-02-20 Id Kort Ab IDENTITY, COMPETENCE OR CONTROL ACTION
US3938090A (en) 1975-02-13 1976-02-10 Bell Telephone Laboratories, Incorporated Terminal apparatus
US4058220A (en) 1976-05-12 1977-11-15 Borden, Inc. Display device with overlapping cards
USD248203S (en) 1976-09-24 1978-06-20 Henry Clifton Morse Beverage coaster
US4205780A (en) 1977-03-21 1980-06-03 Teknekron, Inc. Document processing system and method
US4123747A (en) 1977-05-20 1978-10-31 International Business Machines Corporation Identity verification method and apparatus
US4264808A (en) 1978-10-06 1981-04-28 Ncr Corporation Method and apparatus for electronic image processing of documents for accounting purposes
US4338587A (en) 1979-02-23 1982-07-06 Chiappetti Arthur B Toll collection system
US4321672A (en) 1979-11-26 1982-03-23 Braun Edward L Financial data processing system
FR2474270A1 (en) 1980-01-21 1981-07-24 Radiotechnique Compelec METHOD AND DEVICE FOR SIMULTANEOUSLY ASSEMBLING COMPONENTS ON A SUPPORT
SE425704B (en) 1981-03-18 1982-10-25 Loefberg Bo DATABERARE
US4453074A (en) 1981-10-19 1984-06-05 American Express Company Protection system for intelligent cards
US4454414A (en) 1982-06-16 1984-06-12 Vericard Corporation Funds transfer system using optically coupled, portable modules
US4545838A (en) * 1983-02-07 1985-10-08 Sealtran Corp. Lamination product and method employing temporary transfer film
US4650981A (en) 1984-01-26 1987-03-17 Foletta Wayne S Credit card with active electronics
US4575621A (en) 1984-03-07 1986-03-11 Corpra Research, Inc. Portable electronic transaction device and system therefor
US4754418A (en) 1984-03-27 1988-06-28 Casio Computer Co., Ltd. Combined electronic calculator and credit card
US4723212A (en) 1984-07-18 1988-02-02 Catalina Marketing Corp. Method and apparatus for dispensing discount coupons
US4910672A (en) 1984-07-18 1990-03-20 Catalina Marketing Corporation Method and apparatus for dispensing discount coupons
US5173851A (en) 1984-07-18 1992-12-22 Catalina Marketing International, Inc. Method and apparatus for dispensing discount coupons in response to the purchase of one or more products
US4746787A (en) 1984-07-20 1988-05-24 Oki Electric Industry Co., Ltd. IC card with display and card recording and reading device
JPH0670818B2 (en) 1984-09-07 1994-09-07 カシオ計算機株式会社 Verification card and its authentication method
US4669730A (en) 1984-11-05 1987-06-02 Small Maynard E Automated sweepstakes-type game
US4614861A (en) 1984-11-15 1986-09-30 Intellicard International, Inc. Unitary, self-contained card verification and validation system and method
US4882675A (en) 1984-11-26 1989-11-21 Steven Nichtberger Paperless system for distributing, redeeming and clearing merchandise coupons
US4634845A (en) 1984-12-24 1987-01-06 Ncr Corporation Portable personal terminal for use in a system for handling transactions
US4689478A (en) 1984-12-24 1987-08-25 Ncr Corporation System for handling transactions including a portable personal terminal
US4605844A (en) 1985-02-11 1986-08-12 At&T Technologies, Inc. Computerized transaction card with inductive data transfer
US4766539A (en) 1985-03-08 1988-08-23 Fox Henry L Method of determining the premium for and writing a policy insuring against specified weather conditions
GB8509135D0 (en) 1985-04-10 1985-05-15 Gen Electric Co Plc Transaction system
US4701601A (en) 1985-04-26 1987-10-20 Visa International Service Association Transaction card with magnetic stripe emulator
US4817949A (en) 1985-06-05 1989-04-04 Dittler Brothers, Inc. Automated teller machine transaction receipts with integral promotional game
US5218631A (en) 1985-07-10 1993-06-08 First Data Resources Inc. Telephonic-interface game control system
US5835576A (en) 1985-07-10 1998-11-10 Ronald A. Katz Technology Licensing, L.P. Telephonic-interface lottery device
US5349633A (en) 1985-07-10 1994-09-20 First Data Resources Inc. Telephonic-interface game control system
US5365575A (en) 1985-07-10 1994-11-15 First Data Resources Inc. Telephonic-interface lottery system
US4643452A (en) 1985-08-15 1987-02-17 Chang Kwei K Business card attaching strip
US4831242A (en) * 1985-09-12 1989-05-16 Bally Manufacturing Corporation Control system for health club facilities and equipment
US4700055A (en) 1985-10-15 1987-10-13 Kashkashian Jr Arsen Multiple credit card system
US4752676A (en) 1985-12-12 1988-06-21 Common Bond Associates Reliable secure, updatable "cash" card system
JPH0743748B2 (en) 1986-02-17 1995-05-15 株式会社オークネット Information transmission processing method of auction information transmission processing system
US4831526A (en) 1986-04-22 1989-05-16 The Chubb Corporation Computerized insurance premium quote request and policy issuance system
US4766293A (en) * 1986-06-26 1988-08-23 Visa International Service Association Portable financial transaction card capable of authorizing a transaction in foreign currencies
US4750119A (en) * 1986-10-10 1988-06-07 Tradevest, Inc. Purchasing system with rebate feature
US4822985A (en) 1987-01-06 1989-04-18 Visa International Service Association Transaction approval system
US4943707A (en) 1987-01-06 1990-07-24 Visa International Service Association Transaction approval system
US4870259A (en) 1987-01-06 1989-09-26 Visa International Service Association Transaction approval system
US4908521A (en) 1987-01-06 1990-03-13 Visa International Service Association Transaction approval system
JPS63231692A (en) 1987-03-20 1988-09-27 Mitsubishi Electric Corp Secret code writer
US4859837A (en) 1987-03-23 1989-08-22 Halpern John Wolfgang Portable data carrier incorporating manually presettable processing modes
US5852811A (en) 1987-04-15 1998-12-22 Proprietary Financial Products, Inc. Method for managing financial accounts by a preferred allocation of funds among accounts
US4953085A (en) 1987-04-15 1990-08-28 Proprietary Financial Products, Inc. System for the operation of a financial account
US5644727A (en) 1987-04-15 1997-07-01 Proprietary Financial Products, Inc. System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing
US4954985A (en) 1987-05-09 1990-09-04 Semiconductor Energy Laboratory Co., Ltd. Ferroelectric liquid crystal data storage card
US4868376A (en) 1987-05-15 1989-09-19 Smartcard International Inc. Intelligent portable interactive personal data system
GB8712057D0 (en) 1987-05-21 1987-06-24 British Petroleum Co Plc Optical modulators
US4897533A (en) * 1987-07-07 1990-01-30 National Business Systems, Inc. Credit card and method of making the same
US6195644B1 (en) 1987-07-08 2001-02-27 Stuart S. Bowie Computer program and system for credit card companies for recording and processing bonus credits issued to card users
US4968873A (en) * 1987-09-08 1990-11-06 Juergen Dethloff Smart card issuing and receiving apparatus
US4837422A (en) 1987-09-08 1989-06-06 Juergen Dethloff Multi-user card system
US5025372A (en) 1987-09-17 1991-06-18 Meridian Enterprises, Inc. System and method for administration of incentive award program through use of credit
USD305887S (en) 1987-09-25 1990-02-06 Canon Kabushiki Kaisha Optically stored data card
US5025139A (en) 1987-12-08 1991-06-18 Halliburton Jr W Ken Redeemable coupon disbursement control and reporting system
FR2627610B1 (en) 1988-02-22 1991-04-05 Cga Hbs FEEDING SYSTEM FOR TRANSPORT USERS
US5121945A (en) 1988-04-20 1992-06-16 Remittance Technology Corporation Financial data processing system
US4948174A (en) 1988-04-20 1990-08-14 Remittance Technology Corporation Financial data processing system
US4975840A (en) 1988-06-17 1990-12-04 Lincoln National Risk Management, Inc. Method and apparatus for evaluating a potentially insurable risk
US4961142A (en) 1988-06-29 1990-10-02 Mastercard International, Inc. Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer
JP2693514B2 (en) 1988-08-31 1997-12-24 株式会社東芝 Information recording medium
US4906826A (en) 1988-09-19 1990-03-06 Visa International Service Association Usage promotion method for payment card transaction system
JPH0622030B2 (en) 1988-10-03 1994-03-23 富士通株式会社 Transaction validity confirmation method
US5054096A (en) 1988-10-24 1991-10-01 Empire Blue Cross/Blue Shield Method and apparatus for converting documents into electronic data for transaction processing
US4941090A (en) 1989-01-27 1990-07-10 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5117355A (en) * 1989-01-27 1992-05-26 Mccarthy Patrick D Centralized consumer cash valve accumulation system for multiple merchants
US5202826A (en) 1989-01-27 1993-04-13 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5202286A (en) 1989-02-27 1993-04-13 Mitsubishi Denki Kabushiki Kaisha Method of forming three-dimensional features on substrates with adjacent insulating films
DE3906349A1 (en) 1989-03-01 1990-09-13 Hartmut Hennige METHOD AND DEVICE FOR SIMPLIFYING THE USE OF A VARIETY OF CREDIT CARDS AND THE LIKE
US4992940A (en) 1989-03-13 1991-02-12 H-Renee, Incorporated System and method for automated selection of equipment for purchase through input of user desired specifications
US4978401A (en) * 1989-03-14 1990-12-18 Bostec Systems, Inc. Card assembly method
US5080748A (en) 1989-03-14 1992-01-14 Bostec Systems, Inc. Card assembly apparatus
GB2229845B (en) 1989-04-01 1993-08-04 Avery Ltd W & T Transaction system
GB8909011D0 (en) 1989-04-20 1989-06-07 Friend Richard H Electroluminescent devices
US5201010A (en) 1989-05-01 1993-04-06 Credit Verification Corporation Method and system for building a database and performing marketing based upon prior shopping history
US5644723A (en) 1989-05-01 1997-07-01 Credit Verification Corporation Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5621812A (en) 1989-05-01 1997-04-15 Credit Verification Corporation Method and system for building a database for use with selective incentive marketing in response to customer shopping histories
US5649114A (en) 1989-05-01 1997-07-15 Credit Verification Corporation Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5305196A (en) 1989-05-01 1994-04-19 Credit Verification Corporation Check transaction processing, database building and marketing method and system utilizing automatic check reading
US5237620A (en) 1989-05-01 1993-08-17 Credit Verification Corporation Check reader method and system for reading check MICR code
US5790636A (en) 1989-05-31 1998-08-04 Marshall; Marvin E. Telephone travel card system under the control of its customers
US5206488A (en) 1989-06-07 1993-04-27 Mordechai Teicher Credit card system including a central unit and a plurality of local units for conducting low-cost transactions
US6044205A (en) 1996-02-29 2000-03-28 Intermind Corporation Communications system for transferring information between memories according to processes transferred with the information
US6003762A (en) 1989-09-06 1999-12-21 Fujitsu Limited Transaction terminal for an electronic cashless system
ZA907106B (en) * 1989-10-06 1991-09-25 Net 1 Products Pty Ltd Funds transfer system
US5095194A (en) * 1989-10-12 1992-03-10 Joseph Barbanell Holographic credit card with automatical authentication and verification
US5339239A (en) 1989-10-13 1994-08-16 Mitsubishi Plastics Industries Limited Information collecting and/or service furnishing systems by which a user can request information from a central data base using a portable personal terminal and an access terminal
US6045042A (en) 1989-10-24 2000-04-04 Mitsubishi Denki Kabushiki Kaisha Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption
US5122950A (en) 1989-11-02 1992-06-16 Moneyfax, Inc. Method of and system for electronic funds transfer via facsimile machines
US5185697A (en) 1989-11-14 1993-02-09 Electronic Warfare Associates, Inc. Apparatus and method for managing crisis situations
JP2724008B2 (en) 1989-12-01 1998-03-09 沖電気工業株式会社 Personal identification processing system and personal identification processing method
US5191522A (en) 1990-01-18 1993-03-02 Itt Corporation Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure
US5192947A (en) * 1990-02-02 1993-03-09 Simon Neustein Credit card pager apparatus
US5049728A (en) 1990-04-04 1991-09-17 Rovin George H IC card system with removable IC modules
US5623547A (en) * 1990-04-12 1997-04-22 Jonhig Limited Value transfer system
US5617474A (en) 1990-05-08 1997-04-01 The Goeken Group Corporation Telephone handset having a latch-receiving opening in an enlarged inlet opening of a card-receiving slot
FR2662007B1 (en) 1990-05-10 1992-07-10 Bull Sa PROCESS FOR OBTAINING A SECURE CLEAR ATTESTATION IN A DISTRIBUTED COMPUTER SYSTEM ENVIRONMENT.
JPH0424889A (en) 1990-05-21 1992-01-28 Toshiba Corp Ic card provided with personal identification function
US5072380A (en) 1990-06-12 1991-12-10 Exxon Research And Engineering Company Automatic vehicle recognition and customer billing system
US5287269A (en) 1990-07-09 1994-02-15 Boardwalk/Starcity Corporation Apparatus and method for accessing events, areas and activities
GB9018698D0 (en) 1990-08-24 1990-10-10 Lynxvale Ltd Semiconductive copolymers for use in electroluminescent devices
US5163098A (en) 1990-09-06 1992-11-10 Dahbura Abbud S System for preventing fraudulent use of credit card
US5177342A (en) 1990-11-09 1993-01-05 Visa International Service Association Transaction approval system
US5175682A (en) 1990-12-14 1992-12-29 Verifone, Inc. Check system and method including prioritizing checks for transmission to banks for processing
JPH06505582A (en) * 1991-03-05 1994-06-23 ザ・ギフト・サティフィケット・センター・インコーポレーテッド Gift certificate issuing method and device
US5206803A (en) 1991-03-15 1993-04-27 Vitagliano Francis M System for enhanced management of pension-backed credit
US5187750A (en) 1991-03-15 1993-02-16 Unisys Corporation Archival document image processing and printing system
US5257486A (en) 1991-04-23 1993-11-02 Adhesives Technology Corporation 1987 Nozzle for injecting a sealant into a crack
US5832457A (en) 1991-05-06 1998-11-03 Catalina Marketing International, Inc. Method and apparatus for selective distribution of discount coupons based on prior customer behavior
US5237159A (en) 1991-07-17 1993-08-17 J. D. Carreker And Associates Electronic check presentment system
US6289322B1 (en) 1998-03-03 2001-09-11 Checkfree Corporation Electronic bill processing
US5383113A (en) 1991-07-25 1995-01-17 Checkfree Corporation System and method for electronically providing customer services including payment of bills, financial analysis and loans
CA2076433C (en) * 1991-10-31 1998-08-18 Brenda B. Amarant Monitoring of charges debited to an account having an assigned limit
US5466920A (en) 1991-11-08 1995-11-14 Microbilt Corporation Real time decoding for card transaction terminal
US5413341A (en) 1991-11-12 1995-05-09 Lieberman; Leon D. Equipment for, and methods of playing, a prize drawing game of chance
US5453601A (en) 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
US5955961A (en) * 1991-12-09 1999-09-21 Wallerstein; Robert S. Programmable transaction card
US5585787A (en) * 1991-12-09 1996-12-17 Wallerstein; Robert S. Programmable credit card
US6009415A (en) 1991-12-16 1999-12-28 The Harrison Company, Llc Data processing technique for scoring bank customer relationships and awarding incentive rewards
US5297026A (en) 1992-01-03 1994-03-22 Frank Hoffman System for promoting account activity
US5334823A (en) 1992-01-10 1994-08-02 National Bancard Corporation Systems and methods for operating data card terminals for transaction chargeback protection
US5726884A (en) 1992-03-02 1998-03-10 Alternative Systems, Inc. Integrated hazardous substance tracking and compliance
US5774882A (en) 1992-03-12 1998-06-30 Keen; Regina D. Credit approval system
US5359183A (en) 1992-04-06 1994-10-25 Rafael Skodlar Payment card with display
US5928082A (en) 1992-05-06 1999-07-27 Clapper, Jr.; Ronald C. Voucher and game ticket combination and apparatus and method used therewith
US6292786B1 (en) 1992-05-19 2001-09-18 Incentech, Inc. Method and system for generating incentives based on substantially real-time product purchase information
US5970479A (en) 1992-05-29 1999-10-19 Swychco Infrastructure Services Pty. Ltd. Methods and apparatus relating to the formulation and trading of risk management contracts
US6134536A (en) 1992-05-29 2000-10-17 Swychco Infrastructure Services Pty Ltd. Methods and apparatus relating to the formulation and trading of risk management contracts
GB9215929D0 (en) 1992-07-27 1992-09-09 Cambridge Display Tech Ltd Electroluminescent devices
US5326959A (en) 1992-08-04 1994-07-05 Perazza Justin J Automated customer initiated entry remittance processing system
US5819226A (en) 1992-09-08 1998-10-06 Hnc Software Inc. Fraud detection using predictive modeling
US6076068A (en) 1992-09-17 2000-06-13 Ad Response Micromarketing Corporation Coupon delivery system
US5479494A (en) 1992-10-05 1995-12-26 At&T Corp. Virtual calling card system
US5504677A (en) 1992-10-15 1996-04-02 Pollin; Robert E. Automated payment system
EP0692119A1 (en) 1992-10-22 1996-01-17 American Express Travel Related Services Company, Inc. Automated billing consolidation system and method
ATE237854T1 (en) 1992-10-26 2003-05-15 Intellect Australia Pty Ltd HOST-USER TRANSACTION SYSTEM
US5361062A (en) 1992-11-25 1994-11-01 Security Dynamics Technologies, Inc. Personal security system
US5326960A (en) * 1992-11-25 1994-07-05 Tannenbaum David H Currency transfer system and method
US5350906A (en) 1992-11-25 1994-09-27 Brody Bill E Currency transfer system and method using fixed limit cards
GB9226475D0 (en) 1992-12-18 1993-02-10 Cambridge Display Tech Ltd Chromophoric polymeric compositions
US5351187A (en) 1992-12-30 1994-09-27 At/Comm Incorporated Automatic debiting parking meter system
US5450479A (en) 1992-12-30 1995-09-12 At&T Corp. Method and apparatus for facilitating the making of card calls
US5382784A (en) 1993-02-08 1995-01-17 Indala Corporation Hand-held dual technology identification tag reading head
US6876971B1 (en) 2000-07-05 2005-04-05 Every Penny Counts, Inc. Funds distribution system connected with point of sale transaction
US6112191A (en) 1993-02-18 2000-08-29 Every Penny Counts, Inc. Method and system to create and distribute excess funds from consumer spending transactions
GB2275654B (en) 1993-03-04 1996-11-13 Landis & Gyr Energy Management Smart card
US5311594A (en) 1993-03-26 1994-05-10 At&T Bell Laboratories Fraud protection for card transactions
US5466919A (en) 1993-04-02 1995-11-14 Hovakimian; Henry Credit/charge card system enabling purchasers to contribute to selected charities
JP3022053B2 (en) 1993-05-28 2000-03-15 富士通株式会社 POS terminal device
US6109525A (en) 1993-05-28 2000-08-29 Saab-Scania Combitech Akitiebolag Method and device for registering vehicles in a road toll facility
US5424524A (en) * 1993-06-24 1995-06-13 Ruppert; Jonathan P. Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers
US5794207A (en) 1996-09-04 1998-08-11 Walker Asset Management Limited Partnership Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers
FR2707408B1 (en) 1993-07-09 1995-08-18 Cga Hbs Method for the fast and secure transmission of data contained in a smart card during a remote transaction.
US5412192A (en) 1993-07-20 1995-05-02 American Express Company Radio frequency activated charge card
US5477215A (en) 1993-08-02 1995-12-19 At&T Corp. Arrangement for simultaneously interrogating a plurality of portable radio frequency communication devices
US5500890A (en) 1993-08-19 1996-03-19 Exxon Research And Engineering Company Point-of-sale system using multi-threaded transactions and interleaved file transfer
US5444794A (en) 1993-08-25 1995-08-22 Sqn Check image capture system
US5450491A (en) 1993-08-26 1995-09-12 At&T Corp. Authenticator card and system
EP0715740B1 (en) 1993-08-27 2001-07-04 Affinity Technology, Inc. Closed loop financial transaction method and apparatus
US5649118A (en) 1993-08-27 1997-07-15 Lucent Technologies Inc. Smart card with multiple charge accounts and product item tables designating the account to debit
US5940811A (en) 1993-08-27 1999-08-17 Affinity Technology Group, Inc. Closed loop financial transaction method and apparatus
US5544246A (en) 1993-09-17 1996-08-06 At&T Corp. Smartcard adapted for a plurality of service providers and for remote installation of same
US5608785A (en) 1993-09-23 1997-03-04 Lucent Technologies Inc. Method and apparatus for telephone prize opportunities
DE69432503T2 (en) 1993-10-08 2003-12-24 Ibm Information archiving system with object-dependent functionality
US5477038A (en) * 1993-10-25 1995-12-19 Visa International Method and apparatus for distributing currency
USRE36365E (en) 1993-10-25 1999-11-02 Visa International Service Association Method and apparatus for distributing currency
AU7512194A (en) 1993-10-26 1995-05-22 Radisson Hotels International, Inc. System and method for awarding credits to persons who book travel-related reservations
US5465206B1 (en) * 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US5920847A (en) 1993-11-01 1999-07-06 Visa International Service Association Electronic bill pay system
US5397881A (en) * 1993-11-22 1995-03-14 Mannik; Kallis H. Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner
JP3305843B2 (en) 1993-12-20 2002-07-24 株式会社東芝 Semiconductor device
US5530232A (en) * 1993-12-22 1996-06-25 Datamark Services, Inc. Multi-application data card
US5578808A (en) * 1993-12-22 1996-11-26 Datamark Services, Inc. Data card that can be used for transactions involving separate card issuers
US5550734A (en) 1993-12-23 1996-08-27 The Pharmacy Fund, Inc. Computerized healthcare accounts receivable purchasing collections securitization and management system
CA2136038A1 (en) 1993-12-28 1995-06-29 Marilyn A. Holda-Fleck System and method to automatically provide an electronic consumer rebate
US5826243A (en) 1994-01-03 1998-10-20 Merrill Lynch & Co., Inc. Integrated system for controlling master account and nested subaccount(s)
US5594493A (en) 1994-01-19 1997-01-14 Nemirofsky; Frank R. Television signal activated interactive smart card system
WO1995021428A1 (en) 1994-02-04 1995-08-10 Card One Development Company Method and system for allocating and redeeming incentive credits
USH1794H (en) 1994-02-08 1999-04-06 At&T Corp. Secure money transfer techniques using hierarchical arrangement of smart cards
US5715298A (en) 1996-05-16 1998-02-03 Telepay Automated interactive bill payment system using debit cards
WO1995022113A1 (en) 1994-02-14 1995-08-17 Telepay, Inc. Automated interactive bill payment system
US5870456A (en) 1997-01-22 1999-02-09 Telepay, Inc. Automated interactive bill payment system using debit cards
US5521363A (en) 1994-02-16 1996-05-28 Tannenbaum; David H. System and method for tracking memory card transactions
US5471669A (en) * 1994-03-17 1995-11-28 Alchemist And Company, Inc. Coupon savings account system
US5457305A (en) 1994-03-31 1995-10-10 Akel; William S. Distributed on-line money access card transaction processing system
WO1995027945A1 (en) 1994-04-06 1995-10-19 Morgan Stanley Group Inc. Data processing system and method for financial debt instruments
JP3600266B2 (en) 1994-04-08 2004-12-15 株式会社ルネサステクノロジ Contactless IC card interface device and communication system using the same
US5537314A (en) 1994-04-18 1996-07-16 First Marketrust Intl. Referral recognition system for an incentive award program
US5799087A (en) 1994-04-28 1998-08-25 Citibank, N.A. Electronic-monetary system
GB9408588D0 (en) 1994-04-29 1994-06-22 Disys Corp Passive transponder
US5477040A (en) 1994-05-23 1995-12-19 Lalonde; Michael G. Structure for a method of facilitating charge transactions
US5649117A (en) 1994-06-03 1997-07-15 Midwest Payment Systems System and method for paying bills and other obligations including selective payor and payee controls
US5577109A (en) * 1994-06-06 1996-11-19 Call Processing, Inc. Pre-paid card system and method
US5511114A (en) 1994-06-06 1996-04-23 Call Processing, Inc. Telephone pre-paid calling card system and method
US5459306A (en) 1994-06-15 1995-10-17 Blockbuster Entertainment Corporation Method and system for delivering on demand, individually targeted promotions
US5590038A (en) 1994-06-20 1996-12-31 Pitroda; Satyan G. Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
US5513102A (en) 1994-06-28 1996-04-30 Auriemma Consulting Group, Inc. Data processing methods of implementing an award to an authorized user of a credit card
US5583933A (en) 1994-08-05 1996-12-10 Mark; Andrew R. Method and apparatus for the secure communication of data
US5642279A (en) 1994-08-09 1997-06-24 New England Audio Company Technique for utilizing a computer system to provide price protection to retail customers
US5637845A (en) * 1994-12-12 1997-06-10 Usa Technologies, Inc. Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine
US5544086A (en) 1994-09-30 1996-08-06 Electronic Payment Services, Inc. Information consolidation within a transaction network
US5503891A (en) 1994-10-25 1996-04-02 Marflex International Inc. Flexible magnet attractant display mat
JPH08123919A (en) 1994-10-28 1996-05-17 Mitsubishi Electric Corp Noncontact ic card system and communication method thereof
US5581064A (en) 1994-11-01 1996-12-03 Pennsylvania Food Merchants Association Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon
US5805719A (en) 1994-11-28 1998-09-08 Smarttouch Tokenless identification of individuals
US5664110A (en) 1994-12-08 1997-09-02 Highpoint Systems, Inc. Remote ordering system
US5705798A (en) 1994-12-16 1998-01-06 Mastercard International Inc. System and method for processing a customized financial transaction card
US5857079A (en) * 1994-12-23 1999-01-05 Lucent Technologies Inc. Smart card for automatic financial records
US5745706A (en) 1994-12-30 1998-04-28 Wolfberg; Larry Computer system and related equipment for spending and investment account management
US5742775A (en) 1995-01-18 1998-04-21 King; Douglas L. Method and apparatus of creating financial instrument and administering an adjustable rate loan system
US5732136A (en) 1995-01-31 1998-03-24 Realsource Communications, Inc. Merchant specific debit card verification system
JPH08214281A (en) 1995-02-06 1996-08-20 Sony Corp Charging method and system
US5604542A (en) 1995-02-08 1997-02-18 Intel Corporation Using the vertical blanking interval for transporting electronic coupons
US5530235A (en) 1995-02-16 1996-06-25 Xerox Corporation Interactive contents revealing storage device
US5482139A (en) * 1995-02-16 1996-01-09 M.A. Rivalto Inc. Automated drive-up vending facility
US5890140A (en) 1995-02-22 1999-03-30 Citibank, N.A. System for communicating with an electronic delivery system that integrates global financial services
US5689650A (en) 1995-02-23 1997-11-18 Mcclelland; Glenn B. Community reinvestment act network
US5696907A (en) 1995-02-27 1997-12-09 General Electric Company System and method for performing risk and credit analysis of financial service applications
US5787403A (en) 1995-03-08 1998-07-28 Huntington Bancshares, Inc. Bank-centric service platform, network and system
US5689100A (en) 1995-03-21 1997-11-18 Martiz, Inc. Debit card system and method for implementing incentive award program
US5956695A (en) 1995-03-21 1999-09-21 Maritz, Inc. Filter processor and method for implementing a program
US6192113B1 (en) 1995-03-27 2001-02-20 At&T Corp Method and apparatus for phone card billing
US5659741A (en) 1995-03-29 1997-08-19 Stuart S. Bowie Computer system and method for storing medical histories using a carrying size card
US5715399A (en) 1995-03-30 1998-02-03 Amazon.Com, Inc. Secure method and system for communicating a list of credit card numbers over a non-secure network
US6002383A (en) 1995-03-30 1999-12-14 Dai Nippon Printing Co., Ltd. Polymer dispersed liquid crystal (PDLC) film using heat or an electric field to change state and the other to change back
US5489123A (en) 1995-03-31 1996-02-06 Attitude Measurement Corporation Packaging label including pre-approved incentive card
US5677955A (en) 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
US6321208B1 (en) 1995-04-19 2001-11-20 Brightstreet.Com, Inc. Method and system for electronic distribution of product redemption coupons
US5926800A (en) * 1995-04-24 1999-07-20 Minerva, L.P. System and method for providing a line of credit secured by an assignment of a life insurance policy
JP3047092B2 (en) 1995-05-02 2000-05-29 日本信販株式会社 Credit card system and method of using credit card using the system
US5734838A (en) 1995-05-04 1998-03-31 American Savings Bank, F.A. Database computer architecture for managing an incentive award program and checking float of funds at time of purchase
AU687312B2 (en) 1995-05-09 1998-02-19 Smartmove (Nz) Limited Card interface
JPH0935016A (en) 1995-05-15 1997-02-07 Ricoh Co Ltd Reversible information display method
US5708422A (en) 1995-05-31 1998-01-13 At&T Transaction authorization and alert system
US5684291A (en) 1995-06-01 1997-11-04 American Express Trs Refundable prepaid telephone card
US5727153A (en) 1995-06-06 1998-03-10 Powell; Ken R. Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards
US5835061A (en) 1995-06-06 1998-11-10 Wayport, Inc. Method and apparatus for geographic-based communications service
US5749075A (en) 1995-06-06 1998-05-05 Interactive Media Works, L.L.C. Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards
US5692132A (en) 1995-06-07 1997-11-25 Mastercard International, Inc. System and method for conducting cashless transactions on a computer network
EP0958672A4 (en) 1995-06-07 2002-05-22 Comm Inc E Low power telecommunication controller for a host computer server
US5789732A (en) 1995-06-08 1998-08-04 Mcmahon; Steven A. Portable data module and system for consumer transactions
US5740549A (en) 1995-06-12 1998-04-14 Pointcast, Inc. Information and advertising distribution system and method
US5710886A (en) * 1995-06-16 1998-01-20 Sellectsoft, L.C. Electric couponing method and apparatus
US5742845A (en) 1995-06-22 1998-04-21 Datascape, Inc. System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network
US5790677A (en) 1995-06-29 1998-08-04 Microsoft Corporation System and method for secure electronic commerce transactions
US5677521A (en) 1995-06-29 1997-10-14 Garrou; Elizabeth B. Personal identification and credit information system and method of performing transaction
US5703344A (en) * 1995-06-30 1997-12-30 Visa International Service Association Electronic funds confirmation at point of transaction
US6115458A (en) 1995-07-14 2000-09-05 American Express Travel Related Services Company, Inc. Method and apparatus for summaries of prepaid instrument transaction activity
US5745049A (en) 1995-07-20 1998-04-28 Yokogawa Electric Corporation Wireless equipment diagnosis system
US6345766B1 (en) 1995-08-02 2002-02-12 American Express Travel Related Services Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired
US5832090A (en) 1995-08-10 1998-11-03 Hid Corporation Radio frequency transponder stored value system employing a secure encryption protocol
US5857175A (en) 1995-08-11 1999-01-05 Micro Enhancement International System and method for offering targeted discounts to customers
US5852812A (en) 1995-08-23 1998-12-22 Microsoft Corporation Billing system for a network
US5765138A (en) 1995-08-23 1998-06-09 Bell Atlantic Network Services, Inc. Apparatus and method for providing interactive evaluation of potential vendors
JPH0962808A (en) 1995-08-25 1997-03-07 Mitsubishi Electric Corp Non-contact ic card and non-contact ic card system
US5710887A (en) 1995-08-29 1998-01-20 Broadvision Computer system and method for electronic commerce
US5864609A (en) 1995-09-11 1999-01-26 At&T Corp. Method for establishing customized billing arrangements for a calling card in a telecommunications network
US5621787A (en) 1995-09-13 1997-04-15 Bell Atlantic Network Services, Inc. Prepaid cash card
US5721781A (en) 1995-09-13 1998-02-24 Microsoft Corporation Authentication system and method for smart card transactions
US5806047A (en) 1995-09-25 1998-09-08 Metlife Life Insurance Company System for combined pool portfolio
US6076075A (en) * 1995-09-25 2000-06-13 Cardis Enterprise International N.V. Retail unit and a payment unit for serving a customer on a purchase and method for executing the same
US5859419A (en) 1995-09-28 1999-01-12 Sol H. Wynn Programmable multiple company credit card system
US5984191A (en) 1995-11-20 1999-11-16 International Card Technology Multiple magnetic stripe transaction cards and systems for the utilization thereof
US6138917A (en) 1995-10-02 2000-10-31 International Card Technology Multiple magnetic stripe transaction cards and systems for the utilization thereof
US5883377A (en) 1995-11-20 1999-03-16 International Card Technologies, Inc. Multiple magnetic stripe transaction cards and systems for the utilization thereof
US5765141A (en) * 1995-10-06 1998-06-09 Spector; Donald Computerized merchandising system
US5806042A (en) 1995-10-11 1998-09-08 Kelly; William Franklin System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option
US6036099A (en) * 1995-10-17 2000-03-14 Leighton; Keith Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom
DE19539355A1 (en) 1995-10-23 1997-04-24 Giesecke & Devrient Gmbh Method for checking the authenticity of a data carrier
US5699528A (en) 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US6186793B1 (en) 1995-11-07 2001-02-13 Randall E. Brubaker Process to convert cost and location of a number of actual contingent events within a region into a three dimensional surface over a map that provides for every location within the region its own estimate of expected cost for future contingent events
US5619558A (en) 1995-11-13 1997-04-08 Ncr Corporation ATM segment of one marketing method
US5787404A (en) * 1995-11-21 1998-07-28 Fernandez-Holmann; Ernesto Credit-card based retirement fund system and method
CH690048A5 (en) 1995-11-28 2000-03-31 C Sam S A En Formation C O Jue Safety device controlling access to a computer or a network terminal.
US5809478A (en) 1995-12-08 1998-09-15 Allstate Insurance Company Method for accessing and evaluating information for processing an application for insurance
US5907142A (en) 1995-12-12 1999-05-25 Kelsey; Craig E. Fraud resistant personally activated transaction card
US5774870A (en) 1995-12-14 1998-06-30 Netcentives, Inc. Fully integrated, on-line interactive frequency and award redemption program
US6016482A (en) 1996-01-11 2000-01-18 Merrill Lynch & Co., Inc. Enhanced collateralized funding processor
US5777903A (en) 1996-01-22 1998-07-07 Motorola, Inc. Solar cell powered smart card with integrated display and interface keypad
US6141666A (en) 1996-01-22 2000-10-31 Internet Consultants Llc Method and system for customizing marketing services on networks communicating with hypertext tagging conventions
US5777305A (en) * 1996-01-24 1998-07-07 Incomm Package assembly and method for activating prepaid debit cards
US5814796A (en) 1996-01-31 1998-09-29 Mag-Tek, Inc. Terminal for issuing and processing data-bearing documents
US5819237A (en) 1996-02-13 1998-10-06 Financial Engineering Associates, Inc. System and method for determination of incremental value at risk for securities trading
US5665953A (en) 1996-02-14 1997-09-09 Lobar Code Inc. Self-contained personal data collector for redeeming coupons
US5806044A (en) 1996-02-20 1998-09-08 Powell; Ken R. System and method for distributing coupons through a system of computer networks
US5870718A (en) * 1996-02-26 1999-02-09 Spector; Donald Computer-printer terminal for producing composite greeting and gift certificate card
EP0803832A3 (en) * 1996-02-28 2000-05-31 Hitachi, Ltd. Card holder-type balance display
AU1987097A (en) 1996-03-07 1997-09-22 American Express Travel Related Services Company, Inc. Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia
AU2068997A (en) 1996-03-15 1997-10-01 Citibank, N.A. A method and system for analysing and handling the customer files of a financial institution
US5937068A (en) 1996-03-22 1999-08-10 Activcard System and method for user authentication employing dynamic encryption variables
US5887065A (en) 1996-03-22 1999-03-23 Activcard System and method for user authentication having clock synchronization
US5737421A (en) 1996-03-22 1998-04-07 Activcard System for controlling access to a function having clock synchronization
US5802176A (en) 1996-03-22 1998-09-01 Activcard System for controlling access to a function, using a plurality of dynamic encryption variables
JPH09259239A (en) 1996-03-25 1997-10-03 Toshiba Corp Portable terminal equipment for ic card
US5728998A (en) 1996-03-29 1998-03-17 Motorola, Inc. Secure smart card reader with virtual image display and pull-down options
US6097292A (en) 1997-04-01 2000-08-01 Cubic Corporation Contactless proximity automated data collection system and method
JP2000508796A (en) * 1996-04-12 2000-07-11 シティバンク、エヌ・エイ Inside money
US6044360A (en) 1996-04-16 2000-03-28 Picciallo; Michael J. Third party credit card
US6014645A (en) 1996-04-19 2000-01-11 Block Financial Corporation Real-time financial card application system
US5815657A (en) 1996-04-26 1998-09-29 Verifone, Inc. System, method and article of manufacture for network electronic authorization utilizing an authorization instrument
US6048271A (en) 1996-05-07 2000-04-11 Barcelou; David M. Automated league and tournament device
US6014638A (en) 1996-05-29 2000-01-11 America Online, Inc. System for customizing computer displays in accordance with user preferences
US5704046A (en) 1996-05-30 1997-12-30 Mastercard International Inc. System and method for conducting cashless transactions
US6049782A (en) 1996-05-31 2000-04-11 Citibank, N.A. Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution
US20040039588A1 (en) 1996-06-10 2004-02-26 Libman Richard M. System, method, and computer program product for selecting and presenting financial products and services
US6076072A (en) 1996-06-10 2000-06-13 Libman; Richard Marc Method and apparatus for preparing client communications involving financial products and services
US6999938B1 (en) 1996-06-10 2006-02-14 Libman Richard M Automated reply generation direct marketing system
US7774230B2 (en) 1996-06-10 2010-08-10 Phoenix Licensing, Llc System, method, and computer program product for selecting and presenting financial products and services
US5987434A (en) 1996-06-10 1999-11-16 Libman; Richard Marc Apparatus and method for transacting marketing and sales of financial products
US5897621A (en) * 1996-06-14 1999-04-27 Cybercash, Inc. System and method for multi-currency transactions
FR2750274B1 (en) 1996-06-21 1998-07-24 Arditti David PROCEDURE FOR TAKING INTO ACCOUNT A REQUEST FOR THE USE OF A VIRTUAL PREPAID CARD ALLOWING THE REUSE OF ITS SERIAL NUMBER
US5845259A (en) 1996-06-27 1998-12-01 Electronic Consumer Concepts, L.L.C. Electronic coupon dispensing system
JPH1021551A (en) 1996-06-28 1998-01-23 Victor Co Of Japan Ltd Method for reproducing information recording medium
US5770843A (en) 1996-07-02 1998-06-23 Ncr Corporation Access card for multiple accounts
US6070147A (en) 1996-07-02 2000-05-30 Tecmark Services, Inc. Customer identification and marketing analysis systems
EP0976081B1 (en) 1996-07-09 2001-09-26 LDC Direct, Ltd. Co. Point-of-distribution pre-paid card vending system
US5890138A (en) 1996-08-26 1999-03-30 Bid.Com International Inc. Computer auction system
US5819234A (en) 1996-07-29 1998-10-06 The Chase Manhattan Bank Toll collection system
US6004681A (en) 1996-08-02 1999-12-21 The Ohio State University Research Foundation Light-emitting devices containing network electrode polymers in electron blocking layer
US5770849A (en) 1996-08-23 1998-06-23 Motorola, Inc. Smart card device with pager and visual image display
WO1998011477A2 (en) 1996-08-29 1998-03-19 Denis Fetherston An automated maintenance system
US5734154A (en) 1996-09-03 1998-03-31 Motorola, Inc. Smart card with Iintegrated reader and visual image display
US5897620A (en) 1997-07-08 1999-04-27 Priceline.Com Inc. Method and apparatus for the sale of airline-specified flight tickets
US5979757A (en) 1996-09-05 1999-11-09 Symbol Technologies, Inc. Method and system for presenting item information using a portable data terminal
JP3363454B2 (en) * 1996-09-13 2003-01-08 沖電気工業株式会社 Electronic trading system
US6032859A (en) 1996-09-18 2000-03-07 New View Technologies, Inc. Method for processing debit purchase transactions using a counter-top terminal system
US5789733A (en) 1996-09-20 1998-08-04 Motorola, Inc. Smart card with contactless optical interface
US5933817A (en) 1996-09-27 1999-08-03 Hucal; Stephen J. Tiered interest rate revolving credit system and method
US5953710A (en) 1996-10-09 1999-09-14 Fleming; Stephen S. Children's credit or debit card system
CA2267951C (en) 1996-10-09 2003-12-30 Visa International Service Association Electronic statement presentment system
US5839113A (en) 1996-10-30 1998-11-17 Okemos Agency, Inc. Method and apparatus for rating geographical areas using meteorological conditions
US5905246A (en) 1996-10-31 1999-05-18 Fajkowski; Peter W. Method and apparatus for coupon management and redemption
US5798950A (en) 1996-10-31 1998-08-25 International Business Machines Corporation Method and apparatus for estimating durations of activities in forming a current system, based on past durations of activities in forming past systems
EP0843292B1 (en) * 1996-11-14 2002-03-20 Fexco Transaction processing
US5796827A (en) 1996-11-14 1998-08-18 International Business Machines Corporation System and method for near-field human-body coupling for encrypted communication with identification cards
US5884274A (en) 1996-11-15 1999-03-16 Walker Asset Management Limited Partnership System and method for generating and executing insurance policies for foreign exchange losses
WO1998022872A1 (en) 1996-11-15 1998-05-28 Philips Electronics N.V. Data processing circuit with a self-timed instruction execution unit
US7080036B1 (en) 1996-11-27 2006-07-18 Diebold, Incorporated Automated banking machine development method
US20030217005A1 (en) 1996-11-27 2003-11-20 Diebold Self Service Systems, Division Of Diebold, Incorporated Automated banking machine system and method
US5923016A (en) 1996-12-03 1999-07-13 Carlson Companies, Inc. In-store points redemption system & method
US6076167A (en) 1996-12-04 2000-06-13 Dew Engineering And Development Limited Method and system for improving security in network applications
US6498861B1 (en) 1996-12-04 2002-12-24 Activcard Ireland Limited Biometric security encryption system
US5991748A (en) 1996-12-06 1999-11-23 American Express Travel Related Services Company, Inc. Methods and apparatus for regenerating a prepaid transaction account
US5760381A (en) 1996-12-16 1998-06-02 Moore Business Forms, Inc. Prepaid card
US5901303A (en) 1996-12-27 1999-05-04 Gemplus Card International Smart cards, systems using smart cards and methods of operating said cards in systems
US5961593A (en) 1997-01-22 1999-10-05 Lucent Technologies, Inc. System and method for providing anonymous personalized browsing by a proxy system in a network
US5884278A (en) 1997-02-11 1999-03-16 Powell; Ken R. Retail store and method employing multiple network interfaces at each cash register, and receiving signals from portable cards at each cash register
US5864830A (en) * 1997-02-13 1999-01-26 Armetta; David Data processing method of configuring and monitoring a satellite spending card linked to a host credit card
US6119932A (en) 1997-02-18 2000-09-19 Protech Video Security, Inc. Identification verification apparatus and method
US5857709A (en) * 1997-02-24 1999-01-12 Chock; Ernest P. Anticounterfeit documentation with see-through and write-able hologram
US5991736A (en) 1997-02-26 1999-11-23 Ferguson; Henry Patronage incentive award system incorporating retirement accounts and method thereof
US6561657B1 (en) 1997-02-27 2003-05-13 Douglas P. Schofield Credit card pocket mirror and miniature billboard
US6006205A (en) 1997-02-28 1999-12-21 Walker Asset Management Limited Partnership Credit card billing method and system
US5970478A (en) 1997-03-12 1999-10-19 Walker Asset Management Limited Partnership Method, apparatus, and program for customizing credit accounts
US5909486A (en) 1997-03-19 1999-06-01 Walker Asset Management Limited Partnership Method and apparatus for awarding and redeeming prepaid telephone time
US6278996B1 (en) 1997-03-31 2001-08-21 Brightware, Inc. System and method for message process and response
US6182059B1 (en) 1997-04-03 2001-01-30 Brightware, Inc. Automatic electronic message interpretation and routing system
US6243688B1 (en) * 1997-04-14 2001-06-05 Dyan T. Kalina Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle
US5970480A (en) 1997-04-14 1999-10-19 Kalina; Dyan T. Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle
US6014636A (en) 1997-05-06 2000-01-11 Lucent Technologies Inc. Point of sale method and system
US7039600B1 (en) 1998-11-27 2006-05-02 Diebold, Incorporated ATM customer marketing system
JP4212068B2 (en) 1997-05-19 2009-01-21 ローム株式会社 IC card and IC chip module
US6119103A (en) 1997-05-27 2000-09-12 Visa International Service Association Financial risk prediction systems and methods therefor
US6081893A (en) 1997-05-28 2000-06-27 Symantec Corporation System for supporting secured log-in of multiple users into a plurality of computers using combined presentation of memorized password and transportable passport record
US6278981B1 (en) 1997-05-29 2001-08-21 Algorithmics International Corporation Computer-implemented method and apparatus for portfolio compression
US5949044A (en) 1997-06-13 1999-09-07 Walker Asset Management Limited Partnership Method and apparatus for funds and credit line transfers
US20010047342A1 (en) 1997-06-16 2001-11-29 Vincent Cuervo Credit or debit cards of all kinds to be issued with a bank savings account attched
US20020174016A1 (en) 1997-06-16 2002-11-21 Vincent Cuervo Multiple accounts and purposes card method and system
US6405182B1 (en) 1998-08-03 2002-06-11 Vincent Cuervo System for dispensing prepaid debit cards through point-of-sale terminals
US6085976A (en) 1998-05-22 2000-07-11 Sehr; Richard P. Travel system and methods utilizing multi-application passenger cards
IL121192A0 (en) 1997-06-30 1997-11-20 Ultimus Ltd Processing system and method for a heterogeneous electronic cash environment
US5991743A (en) 1997-06-30 1999-11-23 General Electric Company System and method for proactively monitoring risk exposure
US6021189A (en) 1997-07-01 2000-02-01 Northern Telecom Limited System for controlling usage of phone debit cards
US6000608A (en) 1997-07-10 1999-12-14 Dorf; Robert E. Multifunction card system
US6295522B1 (en) 1997-07-11 2001-09-25 Cybercash, Inc. Stored-value card value acquisition method and apparatus
US6006988A (en) 1997-07-15 1999-12-28 Behrmann; Bry E. Non-cash media card and process of dispensing from automated teller
US6078888A (en) 1997-07-16 2000-06-20 Gilbarco Inc. Cryptography security for remote dispenser transactions
US6049463A (en) 1997-07-25 2000-04-11 Motorola, Inc. Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same
FR2767624B1 (en) 1997-08-21 2002-05-10 Activcard ELECTRONIC PORTABLE DEVICE FOR SECURE COMMUNICATION SYSTEM, AND METHOD FOR INITIALIZING ITS PARAMETERS
US6018718A (en) 1997-08-28 2000-01-25 Walker Asset Management Limited Partnership Method and system for processing customized reward offers
US6026370A (en) 1997-08-28 2000-02-15 Catalina Marketing International, Inc. Method and apparatus for generating purchase incentive mailing based on prior purchase history
US5974399A (en) 1997-08-29 1999-10-26 Catalina Marketing International, Inc. Method and apparatus for generating purchase incentives based on price differentials
US6029144A (en) 1997-08-29 2000-02-22 International Business Machines Corporation Compliance-to-policy detection method and system
US5960411A (en) 1997-09-12 1999-09-28 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
US5914472A (en) 1997-09-23 1999-06-22 At&T Corp Credit card spending authorization control system
US5883810A (en) 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US6000832A (en) 1997-09-24 1999-12-14 Microsoft Corporation Electronic online commerce card with customer generated transaction proxy number for online transactions
US6574603B1 (en) 1997-09-26 2003-06-03 Gilbarco Inc. In-vehicle ordering
US7225155B1 (en) 1997-09-30 2007-05-29 Acs State & Local Solutions, Inc. Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange
US6134309A (en) 1997-09-30 2000-10-17 Creative Games International, Inc. Pre-paid phone card system with promotional link
US5946669A (en) 1997-09-30 1999-08-31 Lockheed Martin Corporation Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange
US5984180A (en) 1997-10-06 1999-11-16 Albrecht; Jerry L. Method and system for gift credit card
CA2306052A1 (en) 1997-10-09 1999-04-22 Walker Digital, Llc Point-of-sale system and method for the management of group rewards
US6128599A (en) 1997-10-09 2000-10-03 Walker Asset Management Limited Partnership Method and apparatus for processing customized group reward offers
US6049773A (en) 1997-10-14 2000-04-11 Reclaim Technology And Services Limited Automated method for identification of reinsurance claims
US6422459B1 (en) 1997-10-15 2002-07-23 Citicorp Development Center, Inc. Method and system for off-line loading of stored value cards using a batch-load terminal
US6895386B1 (en) 1997-10-15 2005-05-17 Citibank, N.A. Stock credit card
US6061660A (en) 1997-10-20 2000-05-09 York Eggleston System and method for incentive programs and award fulfillment
EP1023692B1 (en) 1997-10-22 2002-08-28 Cambridge Consultants Limited Portable ic card
US5991750A (en) * 1997-10-24 1999-11-23 Ge Capital System and method for pre-authorization of individual account transactions
US6070067A (en) 1997-10-31 2000-05-30 Telefonaktiebolaget Lm Ericsson Prepayment method utilizing credit information stored in mobile terminals for accessing wireless telecommunication networks
US6047268A (en) 1997-11-04 2000-04-04 A.T.&T. Corporation Method and apparatus for billing for transactions conducted over the internet
US6038292A (en) 1997-11-07 2000-03-14 American Express Travel Related Services Company, Inc. Methods and apparatus for language registration of prepaid, remote entry customer account
US6009411A (en) 1997-11-14 1999-12-28 Concept Shopping, Inc. Method and system for distributing and reconciling electronic promotions
US6070153A (en) 1997-11-21 2000-05-30 Simpson; Mark S. System and method for automatically investing a portion of a credit card interest charged amount in an investment account
US6078891A (en) 1997-11-24 2000-06-20 Riordan; John Method and system for collecting and processing marketing data
US6119097A (en) 1997-11-26 2000-09-12 Executing The Numbers, Inc. System and method for quantification of human performance factors
EP1038233A4 (en) 1997-12-02 2001-11-07 Technologies Inc Cash Multi-transactional network architecture
US20010014868A1 (en) 1997-12-05 2001-08-16 Frederick Herz System for the automatic determination of customized prices and promotions
US6038552A (en) * 1997-12-10 2000-03-14 The Chase Manhattan Bank Method and apparatus to process combined credit and debit card transactions
US6092057A (en) 1997-12-12 2000-07-18 Commstar, Inc. Unattended POS system for automatic control of bank system rejections
US6105006A (en) 1997-12-22 2000-08-15 Motorola Inc Transaction authentication for 1-way wireless financial messaging units
US6188309B1 (en) 1998-01-07 2001-02-13 At&T Corp Method and apparatus for minimizing credit card fraud
US6064985A (en) 1998-01-21 2000-05-16 Assured Equities, Inc. Automated portfolio management system with internet datafeed
US6202053B1 (en) 1998-01-23 2001-03-13 First Usa Bank, Na Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants
US6068183A (en) 1998-04-17 2000-05-30 Viztec Inc. Chip card system
US6019284A (en) 1998-01-27 2000-02-01 Viztec Inc. Flexible chip card with display
US6098053A (en) 1998-01-28 2000-08-01 Citibank, N.A. System and method for performing an electronic financial transaction
US6029139A (en) 1998-01-28 2000-02-22 Ncr Corporation Method and apparatus for optimizing promotional sale of products based upon historical data
US6889198B2 (en) 1998-01-30 2005-05-03 Citicorp Development Center, Inc. Method and system for tracking smart card loyalty points
US6095416A (en) 1998-02-24 2000-08-01 Privicom, Inc. Method and device for preventing unauthorized use of credit cards
US6173267B1 (en) 1998-02-24 2001-01-09 Laurie Cairns Method for product promotion
US5999596A (en) 1998-03-06 1999-12-07 Walker Asset Management Limited Method and system for controlling authorization of credit card transactions
US6105011A (en) 1998-03-19 2000-08-15 First Union Corporation Security system and method for business transactions with customers
US6260758B1 (en) 1998-03-25 2001-07-17 Compuscan Technologies Inc. Promotional financial transaction machine method
US6422462B1 (en) 1998-03-30 2002-07-23 Morris E. Cohen Apparatus and methods for improved credit cards and credit card transactions
US20010011227A1 (en) 1998-04-03 2001-08-02 Lawrence E. Ashery Method and apparatus for collecting information associated with movement between locations
US6315195B1 (en) 1998-04-17 2001-11-13 Diebold, Incorporated Transaction apparatus and method
US6796490B1 (en) 2000-10-04 2004-09-28 Diebold, Incorporated Automated banking machine system and method
US6450407B1 (en) 1998-04-17 2002-09-17 Viztec, Inc. Chip card rebate system
US7076465B1 (en) 1998-04-24 2006-07-11 First Data Corporation Methods for processing a group of accounts corresponding to different products
US6160903A (en) 1998-04-24 2000-12-12 Dew Engineering And Development Limited Method of providing secure user access
US6463039B1 (en) 1998-04-24 2002-10-08 Intelligent Ideation, Inc. Method and apparatus for full duplex sideband communication
US20040049452A1 (en) 2002-09-09 2004-03-11 First Data Corporation Multiple credit line presentation instrument
US6385594B1 (en) 1998-05-08 2002-05-07 Lendingtree, Inc. Method and computer network for co-ordinating a loan over the internet
US20020046089A1 (en) 1998-05-08 2002-04-18 Zorn Richard C. Targeted advertising brochure and method for its use
US6567821B1 (en) 1998-05-15 2003-05-20 Acs State & Local Solutions, Inc. Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information
US6206283B1 (en) * 1998-12-23 2001-03-27 At&T Corp. Method and apparatus for transferring money via a telephone call
US6148297A (en) 1998-06-01 2000-11-14 Surgical Safety Products, Inc. Health care information and data tracking system and method
US6129274A (en) 1998-06-09 2000-10-10 Fujitsu Limited System and method for updating shopping transaction history using electronic personal digital shopping assistant
US6029890A (en) 1998-06-22 2000-02-29 Austin; Frank User-Specified credit card system
US6615189B1 (en) 1998-06-22 2003-09-02 Bank One, Delaware, National Association Debit purchasing of stored value card for use by and/or delivery to others
GB2377071B (en) 1998-06-22 2003-02-12 First Usa Bank Debit purchasing of stored value card for use by and/or delivery to others
US5931764A (en) 1998-06-24 1999-08-03 Viztec, Inc. Wearable device with flexible display
US7216091B1 (en) 1998-06-26 2007-05-08 American Express Travel Related Services Company, Inc. Stored value transaction system including an integrated database server
US6349290B1 (en) 1998-06-30 2002-02-19 Citibank, N.A. Automated system and method for customized and personalized presentation of products and services of a financial institution
US6122623A (en) 1998-07-02 2000-09-19 Financial Engineering Associates, Inc. Watershed method for controlling cashflow mapping in value at risk determination
US6105865A (en) 1998-07-17 2000-08-22 Hardesty; Laurence Daniel Financial transaction system with retirement saving benefit
US6615183B1 (en) * 1998-07-20 2003-09-02 Usa Technologies, Inc. Method of warehousing user data entered at an electronic commerce terminal
DE19834515C1 (en) 1998-07-31 2000-03-16 Deutsche Telekom Ag Electronic dog tag
US6129572A (en) 1998-08-03 2000-10-10 3M Innovative Properties Company Electrical connector with latch to retain IC card
US6163770A (en) 1998-08-25 2000-12-19 Financial Growth Resources, Inc. Computer apparatus and method for generating documentation using a computed value for a claims cost affected by at least one concurrent, different insurance policy for the same insured
US6343279B1 (en) 1998-08-26 2002-01-29 American Management Systems, Inc. System integrating credit card transactions into a financial management system
US6315193B1 (en) 1998-08-31 2001-11-13 Mastercard International Incorporated Financial transaction card with installment loan feature
US6223143B1 (en) 1998-08-31 2001-04-24 The United States Government As Represented By The Administrator Of The National Aeronautics And Space Administration Quantitative risk assessment system (QRAS)
US6222914B1 (en) 1998-09-02 2001-04-24 Mcmullin John L. System and method for administration of an incentive award system having a delayed award payment using a credit instrument
AU5809099A (en) 1998-09-11 2000-04-03 Motorola, Inc. Radio frequency identification tag apparatus and related method
US6601761B1 (en) 1998-09-15 2003-08-05 Citibank, N.A. Method and system for co-branding an electronic payment platform such as an electronic wallet
US6089284A (en) 1998-09-24 2000-07-18 Marconi Commerce Systems Inc. Preconditioning a fuel dispensing system using a transponder
JP2000113334A (en) 1998-09-30 2000-04-21 Ncr Internatl Inc Method and device for displaying advertisement message for customer by using sales management terminal equipment
US6609111B1 (en) 1998-10-22 2003-08-19 Lawrence L. Bell Method and apparatus for modeling and executing deferred award instrument plan
US6161096A (en) 1998-10-22 2000-12-12 Bell; Lawrence L. Method and apparatus for modeling and executing deferred award instrument plan
US6644696B2 (en) 1998-10-23 2003-11-11 Coinstar, Inc. Coin-discriminator voucher anti-counterfeiting method and apparatus
DE69942864D1 (en) 1998-10-23 2010-11-25 Coinstar Inc METHOD AND DEVICE FOR THE PROTECTION OF GUARANTEES OF ILLNESSMENT ISSUED BY COIN CHECKS
US6473500B1 (en) 1998-10-28 2002-10-29 Mastercard International Incorporated System and method for using a prepaid card
US6999569B2 (en) 1998-10-28 2006-02-14 Mastercard International Incorporated System and method for using a prepaid card
US6182894B1 (en) 1998-10-28 2001-02-06 American Express Travel Related Services Company, Inc. Systems and methods for authorizing a transaction card
US6249769B1 (en) 1998-11-02 2001-06-19 International Business Machines Corporation Method, system and program product for evaluating the business requirements of an enterprise for generating business solution deliverables
US6405181B2 (en) 1998-11-03 2002-06-11 Nextcard, Inc. Method and apparatus for real time on line credit approval
US6324524B1 (en) 1998-11-03 2001-11-27 Nextcard, Inc. Method and apparatus for an account level offer of credit and real time balance transfer
US6567791B2 (en) 1998-11-03 2003-05-20 Nextcard, Inc. Method and apparatus for a verifiable on line rejection of an application for credit
US6164533A (en) 1998-11-12 2000-12-26 Barton; Blain Point of sale automatic savings program contribution system
WO2000029971A2 (en) 1998-11-13 2000-05-25 The Chase Manhattan Bank A system and method for managing information retrievals from distributed archives
US6032136A (en) 1998-11-17 2000-02-29 First Usa Bank, N.A. Customer activated multi-value (CAM) card
US6182048B1 (en) 1998-11-23 2001-01-30 General Electric Company System and method for automated risk-based pricing of a vehicle warranty insurance policy
US20010044293A1 (en) 1998-11-30 2001-11-22 Joseph La Mance Morgan System and method for global real-time account tracking
US6167385A (en) 1998-11-30 2000-12-26 The Chase Manhattan Bank Supply chain financing system and method
US6560578B2 (en) 1999-03-12 2003-05-06 Expanse Networks, Inc. Advertisement selection system supporting discretionary target market characteristics
US6055573A (en) 1998-12-30 2000-04-25 Supermarkets Online, Inc. Communicating with a computer based on an updated purchase behavior classification of a particular consumer
US6327573B1 (en) 1998-12-31 2001-12-04 Walker Digital, Llc Multiple party reward system utilizing single account
US6324526B1 (en) 1999-01-15 2001-11-27 D'agostino John System and method for performing secure credit card purchases
US6263316B1 (en) 1999-02-02 2001-07-17 Momente, Llc Automated process for retailing to a vehicle occupant
US6513019B2 (en) 1999-02-16 2003-01-28 Financial Technologies International, Inc. Financial consolidation and communication platform
US6467684B2 (en) 1999-03-02 2002-10-22 Netvisions, Inc. Pre-paid card system for purchasing products or services
JP3633843B2 (en) 1999-03-10 2005-03-30 セイコーエプソン株式会社 POS system, advertising information processing method, and computer-readable recording medium
US20020059139A1 (en) 1999-03-12 2002-05-16 Scott Evans System and method for debt presentment and resolution
US6625582B2 (en) 1999-03-12 2003-09-23 Richman/Singer Venture Method and system for converting a designated portion of future social security and other retirement payments to current benefits
US6373969B1 (en) 1999-03-15 2002-04-16 Activcard Ireland, Limited Corrective optical component
US6484144B2 (en) 1999-03-23 2002-11-19 Dental Medicine International L.L.C. Method and system for healthcare treatment planning and assessment
US20020194081A1 (en) 1999-04-21 2002-12-19 Perkowski Thomas J. Internet-based consumer service brand marketing communication system which enables service-providers, retailers, and their respective agents and consumers to carry out service-related functions along the demand side of the retail chain in an integrated manner
US7392224B1 (en) 1999-04-23 2008-06-24 Jpmorgan Chase Bank, N.A. System and method of operating a debit card reward program
US6327575B1 (en) 1999-04-26 2001-12-04 Ronald Craig Katz Point of sale terminal for the visually impaired
US6145741A (en) 1999-04-27 2000-11-14 Wisdom; Juanita J. Universal pre-paid gasoline and travel card
US6609113B1 (en) 1999-05-03 2003-08-19 The Chase Manhattan Bank Method and system for processing internet payments using the electronic funds transfer network
US6227447B1 (en) 1999-05-10 2001-05-08 First Usa Bank, Na Cardless payment system
US6385591B1 (en) 1999-05-11 2002-05-07 Jeffrey W. Mankoff Method and system for electronic organization of coupons
US6345261B1 (en) 1999-09-21 2002-02-05 Stockback Holdings, Inc. Customer loyalty investment program
US7089202B1 (en) 1999-05-27 2006-08-08 Cathleen Noland Method and system for internet banking and financial services
AU5377900A (en) 1999-06-02 2000-12-28 Algorithmics International Corp. Risk management system, distributed framework and method
US6454647B1 (en) 1999-06-22 2002-09-24 Fleetboston Financial Corporation Method and system for automated collect and win sweepstakes for ATM transactions
US7716080B2 (en) 1999-06-23 2010-05-11 Signature Systems, Llc Method and system for using multi-function cards for storing, managing and aggregating reward points
US6397202B1 (en) 1999-07-01 2002-05-28 The United States Of America As Represented By The Secretary Of The Navy System and method for monitoring risk in a system development program
US6687222B1 (en) 1999-07-02 2004-02-03 Cisco Technology, Inc. Backup service managers for providing reliable network services in a distributed environment
US20020026418A1 (en) 1999-07-02 2002-02-28 Adam Koppel Method for providing pre-paid anonymous electronic debit card compatible with existing network of credit cards
US20050075932A1 (en) 1999-07-07 2005-04-07 Mankoff Jeffrey W. Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means
US7593862B2 (en) 1999-07-07 2009-09-22 Jeffrey W. Mankoff Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means
US20050071230A1 (en) 1999-07-07 2005-03-31 Mankoff Jeffrey W. Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means
US20020120627A1 (en) 1999-07-07 2002-08-29 Mankoff Jeffrey W. Virtual document organizer system and method
US6868426B1 (en) 1999-07-07 2005-03-15 Jeffrey W. Mankoff Virtual document organizer system and method
US20030105672A1 (en) 1999-07-09 2003-06-05 Epstein John B. Method and apparatus to facilitate payment over a computer network
US6553113B1 (en) 1999-07-09 2003-04-22 First Usa Bank, Na System and methods for call decisioning in a virtual call center integrating telephony with computers
US6386444B1 (en) 1999-07-30 2002-05-14 First Usa Bank, N.A. System and methods for card payment instrument with rebate applied to an insurance premium
US6505168B1 (en) 1999-08-16 2003-01-07 First Usa Bank, Na System and method for gathering and standardizing customer purchase information for target marketing
US7093761B2 (en) 2001-09-24 2006-08-22 E2Interactive, Inc. System and method for distributing stored-value cards
US6757660B2 (en) 1999-08-26 2004-06-29 Blane, Canada Ltd. Method for analyzing information to provide an objective assessment of a predefined subject
US7239226B2 (en) 2001-07-10 2007-07-03 American Express Travel Related Services Company, Inc. System and method for payment using radio frequency identification in contact and contactless transactions
US6581839B1 (en) 1999-09-07 2003-06-24 American Express Travel Related Services Company, Inc. Transaction card
US6567786B1 (en) 1999-09-16 2003-05-20 International Business Machines Corporation System and method for increasing the effectiveness of customer contact strategies
US6557766B1 (en) 1999-10-01 2003-05-06 Keith R. Leighton Hot lamination method for a hybrid radio frequency optical memory card converting sheets into a web process
DE19950524A1 (en) 1999-10-20 2001-04-26 Philips Corp Intellectual Pty Smart card
US6814282B2 (en) 1999-10-26 2004-11-09 First Data Corporation Systems and methods of introducing and receiving information across a computer network
KR20010000053A (en) 1999-11-30 2001-01-05 류창완 Payment system for using multi prepaid cards and method of selling the cards
US6529880B1 (en) 1999-12-01 2003-03-04 Intermec Ip Corp. Automatic payment system for a plurality of remote merchants
US7231327B1 (en) 1999-12-03 2007-06-12 Digital Sandbox Method and apparatus for risk management
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
GB9929364D0 (en) 1999-12-10 2000-02-02 Microbar Security Limited Improvements in or relating to coding techniques
WO2001045012A2 (en) 1999-12-15 2001-06-21 E-Scoring, Inc. Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants
US6429927B1 (en) 1999-12-23 2002-08-06 Activcard Ireland, Limited Imaging device, especially for optical fingerprinting
US6970830B1 (en) 1999-12-29 2005-11-29 General Electric Capital Corporation Methods and systems for analyzing marketing campaigns
US6490568B1 (en) 1999-12-29 2002-12-03 First Data Corporation Automated system and method for monitoring financial transactions
US6856973B1 (en) 1999-12-29 2005-02-15 General Electric Capital Corporation Methods and systems for assessing creditworthiness of a country
US6912502B1 (en) 1999-12-30 2005-06-28 Genworth Financial, Inc., System and method for compliance management
US6742704B2 (en) 2000-01-21 2004-06-01 American Express Travel Related Services Company, Inc. Multiple-service card system
US6349291B1 (en) 2000-01-21 2002-02-19 Attractor Holdings Llc Method and system for analysis, display and dissemination of financial information using resampled statistical methods
US7172112B2 (en) 2000-01-21 2007-02-06 American Express Travel Related Services Company, Inc. Public/private dual card system and method
US20010034647A1 (en) 2000-02-03 2001-10-25 Marks Michael B. Providing benefits by the internet to minimally identified users
US6615190B1 (en) 2000-02-09 2003-09-02 Bank One, Delaware, National Association Sponsor funded stored value card
US6484428B1 (en) 2000-02-11 2002-11-26 A.W. Faber-Castel U.S.A. Double-sided magnet with graphical image on each side
US7822656B2 (en) 2000-02-15 2010-10-26 Jpmorgan Chase Bank, N.A. International banking system and method
WO2001061659A1 (en) 2000-02-16 2001-08-23 Mastercard International Incorporated System and method for conducting electronic commerce with a remote wallet server
US7181420B2 (en) 2000-02-18 2007-02-20 Oracle International Corporation Methods and systems for online self-service receivables management and automated online receivables dispute resolution
US6484148B1 (en) 2000-02-19 2002-11-19 John E. Boyd Electronic advertising device and method of using the same
US20010034663A1 (en) 2000-02-23 2001-10-25 Eugene Teveler Electronic contract broker and contract market maker infrastructure
US6941279B1 (en) 2000-02-23 2005-09-06 Banke One Corporation Mutual fund card method and system
US20020165771A1 (en) 2001-05-07 2002-11-07 Walker Jay S. Method and apparatus for establishing prices for a plurality of products
US20010032312A1 (en) 2000-03-06 2001-10-18 Davor Runje System and method for secure electronic digital rights management, secure transaction management and content distribution
WO2001067355A2 (en) 2000-03-07 2001-09-13 American Express Travel Related Services Company, Inc. System for facilitating a transaction
US6999943B1 (en) 2000-03-10 2006-02-14 Doublecredit.Com, Inc. Routing methods and systems for increasing payment transaction volume and profitability
WO2001071569A1 (en) 2000-03-23 2001-09-27 Ali Habib Unified communications and commerce systems and methods, and device therefore
US6671673B1 (en) 2000-03-24 2003-12-30 International Business Machines Corporation Method for integrated supply chain and financial management
US20020091572A1 (en) 2000-03-31 2002-07-11 Carol Anderson Prepaid service interface system and method
WO2001075734A1 (en) 2000-03-31 2001-10-11 Softcoin, Inc. Facilitating transactions between merchant, associate, and user
US6901372B1 (en) 2000-04-05 2005-05-31 Ford Motor Company Quality operating system
US7006992B1 (en) 2000-04-06 2006-02-28 Union State Bank Risk assessment and management system
US7113914B1 (en) 2000-04-07 2006-09-26 Jpmorgan Chase Bank, N.A. Method and system for managing risks
US8046256B2 (en) 2000-04-14 2011-10-25 American Express Travel Related Services Company, Inc. System and method for using loyalty rewards as currency
GB2379064A (en) 2000-04-14 2003-02-26 Vantage Internat Inc E Method and system for delivering foreign exchange risk management advisory solutions to a designated market
US7827102B2 (en) 2000-04-21 2010-11-02 Microsoft Corporation System and method for secure distribution of information via email
US20030004828A1 (en) 2000-04-27 2003-01-02 S/B Exchange Enterprises, Inc. Prepaid card authorization and security system
US20030195808A1 (en) 2000-04-28 2003-10-16 Brown Michael Wayne Managing retailer product disbursement
US7356504B2 (en) 2000-05-01 2008-04-08 The Olsen Group Methods for determining value at risk
US7280984B2 (en) 2000-05-08 2007-10-09 Phelan Iii Frank Money card system, method and apparatus
US6805288B2 (en) 2000-05-15 2004-10-19 Larry Routhenstein Method for generating customer secure card numbers subject to use restrictions by an electronic card
US6609654B1 (en) 2000-05-15 2003-08-26 Privasys, Inc. Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions
US6592044B1 (en) 2000-05-15 2003-07-15 Jacob Y. Wong Anonymous electronic card for generating personal coupons useful in commercial and security transactions
US8175965B2 (en) 2000-06-01 2012-05-08 Verizon Business Global Llc System and method for providing prepaid services via an internet protocol network system
US10185936B2 (en) 2000-06-22 2019-01-22 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments
AU2001276885A1 (en) 2000-07-12 2002-01-21 Cachestream Corporation Credit system
US20020065720A1 (en) 2000-07-18 2002-05-30 Carswell Rufus H. Online promotion redemption control
US6409593B1 (en) 2000-07-24 2002-06-25 Anthony Petrecca Drawing for winners over the internet
US20020032609A1 (en) 2000-07-27 2002-03-14 Wilkman Michael Allen Calendar transaction manager agent, systems and methods
US20030018613A1 (en) 2000-07-31 2003-01-23 Engin Oytac Privacy-protecting user tracking and targeted marketing
CA2418018A1 (en) 2000-08-04 2002-02-14 Nicholas Frattalone Method and system for implementing a combined investment
US6978369B2 (en) 2000-08-04 2005-12-20 First Data Corporation Person-centric account-based digital signature system
US6647374B2 (en) 2000-08-24 2003-11-11 Namita Kansal System and method of assessing and rating vendor risk and pricing of technology delivery insurance
KR20030024896A (en) 2000-08-25 2003-03-26 아메리칸 익스프레스 트레블 릴레이티드 서비스즈 컴퍼니, 아이엔씨. System and method for account reconciliation
US6641049B2 (en) 2000-08-31 2003-11-04 Pacusma Company, Ltd. Integrated circuit card with multiple integral electronic modules
AU2002211357A1 (en) 2000-10-02 2002-04-15 Computer Sciences Corporation Computerized method and system of liability assessment for an accident
US6754640B2 (en) 2000-10-30 2004-06-22 William O. Bozeman Universal positive pay match, authentication, authorization, settlement and clearing system
US8015592B2 (en) 2002-03-28 2011-09-06 Innovation Connection Corporation System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe
US7398226B2 (en) 2000-11-06 2008-07-08 American Express Travel Related Services Company, Inc. System and method for networked loyalty program
US6366220B1 (en) 2000-11-08 2002-04-02 Bbnt Solutions Llc RF tag based system and method for drive-through applications
JP2002157423A (en) 2000-11-20 2002-05-31 Internatl Scient:Kk E financial gift card
US7092905B2 (en) 2000-11-21 2006-08-15 Citibank, N.A. Systems and methods for the processing of financial transactions
US20020099586A1 (en) 2000-11-22 2002-07-25 National Britannia Group Ltd. Method, system, and computer program product for risk assessment and risk management
US7266524B1 (en) 2000-11-28 2007-09-04 Goldman Sachs & Co. Method, software program, and system for isolating risk in a financial transaction
US6631849B2 (en) 2000-12-06 2003-10-14 Bank One, Delaware, National Association Selectable multi-purpose card
US7433829B2 (en) 2000-12-12 2008-10-07 Jpmorgan Chase Bank, N.A. System and method for managing global risk
WO2002048846A2 (en) 2000-12-14 2002-06-20 Quizid Technologies Limited An authentication system
US7295999B1 (en) 2000-12-20 2007-11-13 Jpmorgan Chase Bank, N.A. System and method for determining eligibility and enrolling members in various programs
US20020082990A1 (en) 2000-12-22 2002-06-27 J.J. & Associates Inc. Method of invoice presentation and payment
USD462477S1 (en) 2001-01-08 2002-09-03 Special Efx Limited Night light holder
US20020095365A1 (en) 2001-01-16 2002-07-18 The Chase Manhattan Bank Corporate products trading marketplace
US20020103852A1 (en) 2001-01-26 2002-08-01 Pushka Wayne L. System for optimizing investment performance
US20020111916A1 (en) 2001-02-12 2002-08-15 Coronna Mark S. Payment management
US7689502B2 (en) 2001-02-12 2010-03-30 Capital One Financial Corporation System and method for providing extra lines of credit
US20020116330A1 (en) 2001-02-21 2002-08-22 Hed Aharon Zeev Wireless communicating credit card
US6820802B2 (en) 2001-02-27 2004-11-23 American Express Travel Related Services Company, Inc. Online card activation system and method
CN1308866C (en) 2001-03-19 2007-04-04 迪布尔特有限公司 Automated banking machine processing system and method
US7778920B2 (en) 2001-03-20 2010-08-17 American Express Travel Related Services Company, Inc. Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account
US6505095B1 (en) 2001-06-19 2003-01-07 Usa Technologies, Inc. System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine
US20020143703A1 (en) 2001-03-28 2002-10-03 Ahmad Razvan Internet cash card
WO2002079907A2 (en) 2001-03-29 2002-10-10 Accenture Llp Overall risk in a system
US7096205B2 (en) 2001-03-31 2006-08-22 First Data Corporation Systems and methods for enrolling consumers in goods and services
US7165052B2 (en) 2001-03-31 2007-01-16 First Data Corporation Payment service method and system
US7089503B1 (en) 2001-04-04 2006-08-08 Fannie Mae Mortgage loan customization system and process
US7392221B2 (en) 2001-04-06 2008-06-24 General Electric Capital Corporation Methods and systems for identifying early terminating loan customers
US7082416B2 (en) 2001-04-06 2006-07-25 Karyn Elaine Anderson Method of using prepaid cash card for making purchases on the world wide web
US20020145039A1 (en) 2001-04-10 2002-10-10 Seamus Carroll Apparatus and method for selling lottery tickets at fuel dispensers
US7104443B1 (en) 2001-04-23 2006-09-12 Debitman Card, Inc. Method and system for facilitating electronic funds transactions
US20020165820A1 (en) 2001-05-04 2002-11-07 Anvekar Dinesh Kashinath Prepaid electronic cash system with pin vending machines
WO2002093518A1 (en) 2001-05-11 2002-11-21 Europrint Holdings Limited Games of chance using a cash till roll
US20030154125A1 (en) 2001-05-23 2003-08-14 International Business Machines Corporation Pesonalisation of promotional offers
ITVI20010122A1 (en) 2001-05-28 2002-11-28 Ferro Bortolo Giulio Dal SCRAPER CLEANER FOR CONVEYOR BELTS
US7249092B2 (en) 2001-05-29 2007-07-24 American Express Travel Related Services Company, Inc. System and method for facilitating a subsidiary card account with controlled spending capability
US6675127B2 (en) 2001-06-15 2004-01-06 General Electric Company Computerized systems and methods for managing project issues and risks
US20040103431A1 (en) 2001-06-21 2004-05-27 Crisis Technologies, Inc. Method and system for emergency planning and management of a facility
US7783566B2 (en) 2001-06-27 2010-08-24 American Express Travel Related Services Company, Inc. Consolidated payment account system and method
US7440916B2 (en) 2001-06-29 2008-10-21 Goldman Sachs & Co. Method and system for simulating implied volatility surfaces for basket option pricing
US6481125B1 (en) 2001-06-29 2002-11-19 Lawrence N. Pokrasoff Combination postcard and peel-off sticker
US7154375B2 (en) 2001-07-10 2006-12-26 American Express Travel Related Services Company, Inc. Biometric safeguard method with a fob
US7312707B1 (en) 2001-07-10 2007-12-25 American Express Travel Related Services Company, Inc. System and method for authenticating a RF transaction using a transaction account routing number
US7121471B2 (en) 2001-07-10 2006-10-17 American Express Travel Related Services Company, Inc. Method and system for DNA recognition biometrics on a fob
US7503480B2 (en) 2001-07-10 2009-03-17 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US20040239481A1 (en) 2001-07-10 2004-12-02 American Express Travel Related Services Company, Inc. Method and system for facial recognition biometrics on a fob
US7228155B2 (en) 2001-07-10 2007-06-05 American Express Travel Related Services Company, Inc. System and method for remotely initializing a RF transaction
US7059531B2 (en) 2001-07-10 2006-06-13 American Express Travel Related Services Company, Inc. Method and system for smellprint recognition biometrics on a fob
US7493288B2 (en) 2001-07-10 2009-02-17 Xatra Fund Mx, Llc RF payment via a mobile device
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US7996324B2 (en) 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US7119659B2 (en) 2001-07-10 2006-10-10 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device for use in a private label transaction
WO2003010701A1 (en) 2001-07-24 2003-02-06 First Usa Bank, N.A. Multiple account card and transaction routing
US7809641B2 (en) 2001-07-26 2010-10-05 Jpmorgan Chase Bank, National Association System and method for funding a collective account
US20030040959A1 (en) 2001-08-10 2003-02-27 Fei Calvin H. Method and apparatus for conducting transactions on an automated teller machine
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US7311244B1 (en) 2001-08-13 2007-12-25 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US6945453B1 (en) 2001-08-13 2005-09-20 Bank One Delaware N.A. System and method for funding a collective account by use of an electronic tag
JP2003067839A (en) 2001-08-27 2003-03-07 Fujitsu Ltd System, device, method and program for managing change, cash paying machine and computer readable recording medium recorded with change management program
US20030046249A1 (en) 2001-08-31 2003-03-06 Robert Wu Prepaid card terminal and method for implementing prepaid cards
USD468789S1 (en) 2001-09-07 2003-01-14 Lenny Arnold Wheeled body board
US6607127B2 (en) 2001-09-18 2003-08-19 Jacob Y. Wong Magnetic stripe bridge
US7195154B2 (en) 2001-09-21 2007-03-27 Privasys, Inc. Method for generating customer secure card numbers
US20030074290A1 (en) 2001-10-17 2003-04-17 Capital One Financial Corporation Methods, systems and articles of manufacture for managing delinquent financial accounts
US20070156530A1 (en) 2001-11-01 2007-07-05 Jpmorgan Chase Bank, N.A. System and Method for Dynamically Identifying, Prioritizing and Offering Reward Categories
US20070078719A1 (en) 2001-11-01 2007-04-05 Jp Morgan Chase Bank S/M for offering reward programs
US6641050B2 (en) 2001-11-06 2003-11-04 International Business Machines Corporation Secure credit card
US20050167488A1 (en) 2001-11-06 2005-08-04 Higgins John B. Gaming system using an automated teller machine
USD476681S1 (en) 2001-11-13 2003-07-01 Moosa Easa Moosa Al Amri Bank check
US7587354B2 (en) 2001-11-27 2009-09-08 State Street Corporation Verification of net asset values
US6505780B1 (en) 2001-12-05 2003-01-14 Koninklijke Philips Electronics N.V. Personalize vehicle settings using RF tags
US20030110111A1 (en) 2001-12-07 2003-06-12 Nalebuff Barry J. Home equity insurance financial product
US7051932B2 (en) 2001-12-26 2006-05-30 Vivotech, Inc. Adaptor for magnetic stripe card reader
WO2003058391A2 (en) 2001-12-26 2003-07-17 Vivotech, Inc. Wireless network micropayment financial transaction processing
US7028897B2 (en) 2001-12-26 2006-04-18 Vivotech, Inc. Adaptor for magnetic stripe card reader
US20040159700A1 (en) 2001-12-26 2004-08-19 Vivotech, Inc. Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device
USD477359S1 (en) 2002-01-09 2003-07-15 Temtec, Inc. Security pass
USD467272S1 (en) 2002-01-09 2002-12-17 Temtec, Inc. Security pass
USD467271S1 (en) 2002-01-09 2002-12-17 Temtec, Inc. Security pass
USD466929S1 (en) 2002-01-09 2002-12-10 Temtec, Inc. Security pass
USD474235S1 (en) 2002-01-09 2003-05-06 Temtec, Inc. Security pass
US20030144935A1 (en) 2002-01-30 2003-07-31 Sobek Michael F. Methods and systems for processing, accounting, and administration of stored value cards
US20030163403A1 (en) 2002-02-01 2003-08-28 Ubs Painewebber Inc. Method and system for providing a weighted average aggregated accounts report
US7890393B2 (en) 2002-02-07 2011-02-15 Ebay, Inc. Method and system for completing a transaction between a customer and a merchant
US6732919B2 (en) 2002-02-19 2004-05-11 Hewlett-Packard Development Company, L.P. System and method for using a multiple-use credit card
JP2003248780A (en) 2002-02-25 2003-09-05 Fujitsu Ltd Purchase information management system, purchase information anonymization server, and purchase information management method
US7389275B2 (en) 2002-03-05 2008-06-17 Visa U.S.A. Inc. System for personal authorization control for card transactions
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US6557750B1 (en) 2002-03-27 2003-05-06 Xtreme Traffic Builders, Inc. Promotional mailing device
AU2003220603A1 (en) 2002-03-28 2003-10-13 Transact Technologies Incorporated Methods and apparatus for creating customized messages for printing on a transaction slip
US7666078B2 (en) 2002-05-07 2010-02-23 Future Logic, Inc. Financial transaction printer with promotional printing capabilities
AU2003230751A1 (en) 2002-03-29 2003-10-13 Bank One, Delaware, N.A. System and process for performing purchase transaction using tokens
US20030204421A1 (en) 2002-04-29 2003-10-30 Value Benefits Insurance Agency, Inc. Integrated system and method for insurance products
US7904327B2 (en) 2002-04-30 2011-03-08 Sas Institute Inc. Marketing optimization system
US6945464B2 (en) 2002-05-14 2005-09-20 Imagine Pass L.L.C. Method of issuing tickets to events
USD476683S1 (en) 2002-06-06 2003-07-01 Nancy S. Kilburn Combined bookmark and photograph holder
US7853468B2 (en) 2002-06-10 2010-12-14 Bank Of America Corporation System and methods for integrated compliance monitoring
ES2269866T3 (en) 2002-06-10 2007-04-01 Seiko Epson Corporation POINT OF SALE SYSTEM (POS), NETWORK SYSTEM, METHOD FOR GENERATING PRINTING DATA FOR A POINT OF SALE SYSTEM (POS), AND METHOD FOR MANAGING SALES AND ADVERTISING INFORMATION IN A NETWORK SYSTEM.
US6942569B2 (en) 2002-06-11 2005-09-13 Anthony Petracca Drawing for winners over the internet using receipts and zipcodes
US7346567B2 (en) 2002-06-21 2008-03-18 Reit Contact, Llc Conditional fee ownership home financing system and business method
US20050091138A1 (en) 2002-06-28 2005-04-28 Fujitsu Limited Method and apparatus for processing reward point, and computer product therefor
US20040215507A1 (en) 2002-07-03 2004-10-28 Levitt Roger A. Fully funded reward program
US7475045B2 (en) 2002-07-04 2009-01-06 Fujitsu Limited Transaction system and transaction terminal equipment
US20030167218A1 (en) 2002-08-09 2003-09-04 Field Michelle D. Modular financial service instrument
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
US20040064402A1 (en) 2002-09-27 2004-04-01 Wells Fargo Home Mortgage, Inc. Method of refinancing a mortgage loan and a closing package for same
USD491953S1 (en) 2002-10-10 2004-06-22 Vivotech, Inc. Proximity interface with advertising insert for transaction acceptance systems
US20040122736A1 (en) 2002-10-11 2004-06-24 Bank One, Delaware, N.A. System and method for granting promotional rewards to credit account holders
USD490840S1 (en) 2002-10-30 2004-06-01 Vivotech, Inc. Proximity interface for transaction acceptance systems
US20040098351A1 (en) 2002-11-15 2004-05-20 Ibgc Corporation Interest bearing gift card and related methods and systems
USD491186S1 (en) 2002-11-27 2004-06-08 Vivotech, Inc. Magnetic stripe simulacrum for transaction acceptance systems
US6685088B1 (en) 2002-12-13 2004-02-03 American Express Travel Related Services Company, Inc. System and method for selecting an account
USD498236S1 (en) 2003-01-24 2004-11-09 Vivotech, Inc. Coreless inductor magnetic stripe simulacrum for transaction acceptance systems
US20050027649A1 (en) 2003-02-27 2005-02-03 Richard Cech Event typer
USD506998S1 (en) 2003-02-28 2005-07-05 Vivotech, Inc. Coreless inductor magnetic stripe simulacrum for right angle transaction acceptance systems
USD485573S1 (en) 2003-03-13 2004-01-20 Robert Shu Keung Li Combined business card with bar code, laser punched holes and radio frequency IC
US20040251679A1 (en) 2003-04-14 2004-12-16 Brignull Kim B. Cards and kits for use in alerting others that animals are in need of care
USD495736S1 (en) 2003-05-19 2004-09-07 David R. Scharf Postcard form for maintaining privacy of information contained thereon
USD505450S1 (en) 2003-07-22 2005-05-24 Target Brands, Inc. Credit or stored value card with wood layer
US20050021353A1 (en) 2003-07-25 2005-01-27 American Express Travel Related Services Company, Inc. Donation system and method
US20050021457A1 (en) 2003-07-25 2005-01-27 Johnson A. Wayne Financial account up-front incentives management system and method
WO2005024577A2 (en) 2003-09-03 2005-03-17 Allcard Financial Services, Lp Method for depositing funds to a stored value card
US8239323B2 (en) 2003-09-23 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
WO2005048145A1 (en) 2003-10-13 2005-05-26 Starbucks Corporation D/B/A Starbucks Coffee Company Dual card
US20060085334A1 (en) 2004-10-14 2006-04-20 Murphy Kevin M Dynamic financial liability management
NZ536007A (en) 2003-10-16 2006-07-28 Universal Integrity Pty Ltd Mortgage brokering method
US20070203825A1 (en) 2003-10-24 2007-08-30 Hanifin James C Systems and methods for enabling charitable contributions from property
US8190893B2 (en) 2003-10-27 2012-05-29 Jp Morgan Chase Bank Portable security transaction protocol
IL158694A (en) 2003-10-30 2014-11-30 Verifone Israel Ltd Prepaid debit card processing
US7720757B2 (en) 2003-11-12 2010-05-18 Compucredit Intellectual Property Holdings Corp. Ii System and method for providing a credit account for debt recovery
JP4385740B2 (en) 2003-11-25 2009-12-16 富士通株式会社 Information providing method and information providing apparatus
US7543739B2 (en) 2003-12-17 2009-06-09 Qsecure, Inc. Automated payment card fraud detection and location
US20050179251A1 (en) 2004-01-23 2005-08-18 Paper Systems Incorporated Distribution of sporting or event schedules with business machine receipt paper
MY143206A (en) 2004-02-03 2011-03-31 Pfizer Italia Srl 1h-thieno 2,3-c pyrazole derivatives useful as kinase i inhibitors
US7243839B2 (en) 2004-03-12 2007-07-17 American Express Travel Related Services Company, Inc. Systems, methods, and devices for selling transaction instruments
US7584153B2 (en) 2004-03-15 2009-09-01 Qsecure, Inc. Financial transactions with dynamic card verification values
US7580898B2 (en) 2004-03-15 2009-08-25 Qsecure, Inc. Financial transactions with dynamic personal account numbers
US7420456B2 (en) 2004-03-19 2008-09-02 Sentri Lock, Inc. Electronic lock box with multiple modes and security states
USD533220S1 (en) 2004-05-07 2006-12-05 E2Interactive, Inc. Card assembly with vertical magnetic stripes
WO2005114523A2 (en) 2004-05-18 2005-12-01 Air-Bank Llc A multiple-network system and method for loading, transferring and redeeming value through stored value accounts
US20060041540A1 (en) 2004-06-20 2006-02-23 Marvin Shannon System and Method Relating to Dynamically Constructed Addresses in Electronic Messages
US7363504B2 (en) 2004-07-01 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for keystroke scan recognition biometrics on a smartcard
US7324976B2 (en) 2004-07-19 2008-01-29 Amazon Technologies, Inc. Automatic authorization of programmatic transactions
US7752063B2 (en) 2004-07-29 2010-07-06 Swiss Reinsurance Company Method and system for securitizing mortality risk
US7392222B1 (en) 2004-08-03 2008-06-24 Jpmorgan Chase Bank, N.A. System and method for providing promotional pricing
WO2006026692A1 (en) 2004-08-26 2006-03-09 True Resources, Llc Coupon and sweepstakes dispensing system and method of use
US20060047589A1 (en) 2004-08-30 2006-03-02 Mr. Edward Grau Investment program contribution system
US20060074794A1 (en) 2004-09-29 2006-04-06 Freddie Mac Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments
US7051929B2 (en) 2004-10-18 2006-05-30 Gongling Li Secure credit card having daily changed security number
US20060106696A1 (en) 2004-11-12 2006-05-18 International Business Machines Corporation Account transfer using a single financial account
US20060116903A1 (en) 2004-11-30 2006-06-01 Assurant Solutions Systems and methods for providing insurance coverage to a customer
US8001024B2 (en) 2004-12-08 2011-08-16 Corelogic Information Solutions, Inc. Method and apparatus for testing automated valuation models
US20060224480A1 (en) 2005-03-29 2006-10-05 Reserve Solutions, Inc. Systems and methods for loan management with variable security arrangements
US20060242057A1 (en) 2005-04-20 2006-10-26 Carlo Velarde Method and loan for financing a property expense increase associated with rising property value
WO2006116772A2 (en) 2005-04-27 2006-11-02 Privasys, Inc. Electronic cards and methods for making same
US7351012B2 (en) 2005-05-03 2008-04-01 9031-1671 Quebec Inc. Rotational drive apparatus for screw pilings
USD538349S1 (en) 2005-05-20 2007-03-13 Licensys Pty Ltd Number plate
US7401731B1 (en) 2005-05-27 2008-07-22 Jpmorgan Chase Bank, Na Method and system for implementing a card product with multiple customized relationships
USD528977S1 (en) 2005-06-15 2006-09-26 Matsushita Electric Industrial Co., Ltd. Energy storage device
USD551705S1 (en) 2006-02-03 2007-09-25 Mershon Randolph J Magnetic, sandwich-type bookmark
AU2007248585A1 (en) 2006-05-04 2007-11-15 Jpmorgan Chase Bank, N.A. System and method for restricted party screening and resolution services
US20080177659A1 (en) 2007-01-19 2008-07-24 Timothy Douglas Lacey Systems and methods for providing financial processing in conjunction with instant messaging and other communications
USD582977S1 (en) 2008-02-21 2008-12-16 Jpmorgan Chase Bank, N.A. Transaction device
USD582476S1 (en) 2008-02-21 2008-12-09 Jpmorgan Chase Bank, N.A. Pivoting transaction device

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6119946A (en) * 1997-04-01 2000-09-19 Cardis Enterprise International N.V. Countable electronic monetary system and method
US6032135A (en) * 1997-04-29 2000-02-29 Diebold, Incorporated Electronic purse card value system terminal programming system and method
US6298336B1 (en) * 1997-12-19 2001-10-02 Visa International Service Association Card activation at point of distribution

Also Published As

Publication number Publication date
CA2447945A1 (en) 2002-11-28
US7801816B2 (en) 2010-09-21
US20030105714A1 (en) 2003-06-05
WO2002095540A2 (en) 2002-11-28
PL374399A1 (en) 2005-10-17
CA2447945C (en) 2016-09-13
MXPA03010650A (en) 2005-07-25
US7313546B2 (en) 2007-12-25
US20040153406A1 (en) 2004-08-05
AU2002305679A1 (en) 2002-12-03

Similar Documents

Publication Publication Date Title
WO2002095540A3 (en) System and method for currency selectable stored value instrument
CA2505646C (en) Card assembly with vertical magnetic stripe
US7328850B2 (en) Financial and similar identification cards and methods relating thereto
NO973856D0 (en) Electronic Transfer System and Procedure for Electronic Transfer of Capital Using an Automated Cashier to Deliver Transferred Capital
WO2001059727A3 (en) Method and system for making anonymous electronic payments on the world wide web
US20110178928A1 (en) Multi Application Smartcard with Currency Exchange, Location, Tracking and Personal Identification Capabilities
WO2002013134A3 (en) A smart card for and method of executing transactions
WO2005086593A3 (en) Inter-operable, multi-operator, multi-bank, multi-merchant mobile payment method and a system therefor
US6581845B2 (en) Chip-base plastic currency with cash amount loading function
WO2000073934A9 (en) Method and apparatus for surrogate control of network-based electronic transactions
US20080120509A1 (en) Biometrics-secured transaction card
EP1367521A3 (en) A method and apparatus for distributing currency
WO2002077756A3 (en) Provision of transparent proxy services to a user of a client device
EP0829832A3 (en) Self-service newspaper vending machine
EP0854460A3 (en) Electronic transaction processing system and method for operating same
AU2006283508A1 (en) Presentation instrument display and activation systems and methods
EP1148454A3 (en) Self-service terminal
SE8904126D0 (en) DEVICE AT ATM
US20100216543A1 (en) Gaming machine and method for validating a voucher
WO2002047040A3 (en) Aging of electronic payment units
ES2204984T3 (en) DEVICE AND PROCEDURE FOR DATA PROTECTED TRANSFER.
ATE269566T1 (en) ELECTRONIC CASH DISPENSER
NL1020382C1 (en) Bank card, designed to be inserted into ATM in order to check that slot is not filled with glue
NL1021797C2 (en) Device for the controlled provision of products as well as a programming device and payment means for use therewith.
KR100200036B1 (en) Automatic transaction device

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NO NZ OM PH PL PT RO RU SD SE SG SI SK SL TJ TM TR TT TZ UA UG UZ VN YU ZA ZW

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
WWE Wipo information: entry into national phase

Ref document number: 1-2003-501168

Country of ref document: PH

WWE Wipo information: entry into national phase

Ref document number: 2447945

Country of ref document: CA

WWE Wipo information: entry into national phase

Ref document number: PA/a/2003/010650

Country of ref document: MX

Ref document number: 374399

Country of ref document: PL

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase

Ref country code: JP

WWW Wipo information: withdrawn in national office

Country of ref document: JP