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WO/1998/019265A1 |
A method and system automatically harmonizes access to a given software application program via different access devices. By receiving information from the user via the user's access device (10), including information identifying the typ...
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WO/1998/019278A2 |
A delivery system (12) and method allows a financial institution to provide financial services to a plurality of remote devices (24), such as personal computers (PCs) (18), personal data assistants (PDAs) (20), and screen phone (14). In ...
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WO/1998/018095A1 |
A method of transferring funds electronically, is performed by a group of N computers X(1) thru X(N) which are intercoupled to each other, and to another computer Y, by a communication channel. Each computer of the group includes multipl...
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WO/1998/015924A2 |
The system provides means and method for having a customer register with a computer system a PIN, one or more registration biometric samples, and one or more of the customer's financial accounts. During an initiation step, the customer i...
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WO/1998/014915A2 |
A method of assembling and programming a secure personal identification number entry device is disclosed whereby the secure personal identification number entry device is programmed with security software including an encryption algorith...
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WO/1998/013792A1 |
A coin dispensing apparatus comprises a magazine (25) for storing rolls of coin (1), a lifting conveyor (2) having a plurality of hods (3) which are driven by the lifting conveyor (2) and interact with the outlet of the magazine (25) to ...
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WO/1998/012648A1 |
A player feeds a general purpose charge card (24), such as a VISA, MasterCard or AMERICAN EXPRESS card, or an account identification to a reader (26) at a gaming machine (10) or enters on a keyboard (20) or other input device, informatio...
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WO/1998/011515A1 |
A system, and corresponding method for its use, for performing various monetary transactions in a vehicle such as an aircraft, including exchanging one currency for another, obtaining currency using traveler's checks or a credit or debit...
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WO/1998/011714A2 |
The present invention discloses a security system for monitoring an Automated Teller Machine (ATM 302, 304). The system includes a plurality of cameras (310, 314) at the ATM arranged to capture at least one image of a person initiating a...
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WO/1998/008174A1 |
An automated bank teller machine is provided which is characteristically easy to configure, regardless of whether a replenishment from the front (20) configuration or a replenish from the rear (12') configuration is chosen. In particular...
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WO/1998/007119A2 |
Bills are paid electronically or checks may be dispensed from an automated teller machine (100). Identification information is received from the user of the ATM. A bill (500) is scanned to obtain any of a bill identification number, a bi...
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WO/1998/003942A1 |
A method for payment means handling comprising receipt of payment means and registering of money value of payment means. The method is especially characterized in that at least the payment means (1) are destroyed when their money value h...
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WO/1998/002795A1 |
An apparatus and method for accepting a request of processing a transaction with a bank or an order for goods through use of speech, e.g., by telephone. There has been no apparatus by which a database of the contents of a request of proc...
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WO/1998/001838A1 |
A video surveillance system includes clients coupled to servers using a network. The clients generate digital files that may include data, video, and audio. Using the network, the clients communicate the digital files to the servers for ...
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WO/1997/043677A1 |
A compact image steering and focusing device has a generally rectangular frame containing a pan/tilt mirror and at least one lens. There is a tilt plane bisecting the frame. A mirror drive motor is attached to the frame on one side of th...
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WO/1997/043734A1 |
A currency processing machine for receiving and dispensing cash and substantially immediately furnishing an associated cash accounting system with data, including the value of the currency processed, for each transaction. The machine inc...
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WO/1997/041539A1 |
Secure transmission of data is provided between a plurality of computer systems over a public communication system, such as the Internet. Secure transmission of data is provided from a customer computer system to a merchant computer syst...
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WO/1997/041498A2 |
The Home Services Delivery System will provide multi-function financial services, such as Account Information, Transfer, Customer Service, Payment, Payee List, Direct Debit, and Mutual Funds, to a user accessible through a Personal Compu...
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WO/1997/034068A1 |
A secure enclosure (10) for an automated banking machine includes a door (30). A bolt (38) is slidably mounted on the door and is movable responsive to the condition of a lock. The bolt includes front portions (56) and back portions (58)...
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WO/1997/034267A1 |
This invention refers to an electronic cash dispenser (10) by means of which a user possessing a bank card (43 or 44) may withdraw cash after keying in a personal identification number and the amount to be withdrawn on a keyboard (31). T...
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WO/1997/029499A1 |
The invention concerns an arrangement for detecting an object covering the surface of a keyboard. The keyboard contains a sound source which emits a signal into the space above the keyboard surface. A sound receiver is disposed opposite ...
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WO/1997/029444A1 |
An automated banking machine (10) includes an enclosure (12). The enclosure has an interior area (14) in which serviceable components (48, 52, 64, 68) are positioned on rollout trays (46, 50, 62, 66). The enclosure has a rear opening (18...
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WO/1997/026614A1 |
A system and method for allowing telephone-based interactive performance of financial transactions in multiple languages. The system (20) prompts the customer (16) of a financial institution in various languages until the customer's lang...
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WO/1997/022958A1 |
Systems which comprise (a) an automated transaction machine which includes one or more customer interacting means such as, in the case of an integrated circuit card terminal, at least an integrated circuit card reader; (b) infrared commu...
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WO/1997/021199A1 |
A system for transacting fuel purchases. A plurality of fuel dispensing pumps are interconnected to an island transaction terminal through a central master terminal. Each fuel dispensing pump comprises an independant fuel dispensing nozz...
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WO/1997/020119A1 |
The invention relates to a protective housing which is designed to hold cash dispensers (10) and can be accessed by way of a window opening (8) from outside and by way of an entrance (7) from inside the protective housing. Housing which ...
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WO/1997/019427A2 |
A realtime multilateral foreign exchange settlement system having a computer implemented netting system, a processor-based multilateral settlement coordinator (MSC) having a first money module and a first host application, where the firs...
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WO/1997/019549A1 |
There is provided a method of dispensing telephone cards (10) from automatic teller machines (ATM) and card constructions (figure 5) used therewith. Telephone time is apportioned to a number of sheetlets (10) printed with random numbers ...
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WO/1997/018653A1 |
A financial information and transaction system utilizes wireless communication (20) in connection with portable terminals. In this system, a terminal (150) is connected to the financial institution via a wireless (102) or cellular teleph...
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WO/1997/014122A2 |
An information access booth (1) has a display unit (9) for displaying information and an input device (11, 12, 13) for inputting information. The booth (1) has an entrance, the orientation of the entrance, the display unit (9) and the in...
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WO/1997/014124A1 |
The invention relates to a system (1) for electronic orders and payments by means of a communication network (6), such as a telephone network. A facilitating unit (2) comprising a voice response system (21) and a communication server (22...
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WO/1997/013225A1 |
An automatic money dispenser and receiver has a bank note receiving station (20), bank note checking and recognising means, at least one temporary storage of received bank notes, a bank note dispensing station (22), a plurality of storag...
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WO/1997/005584A1 |
A telematic and satellitic multimedial system for financial, economic and fiscal transactions and confirmations, between users and Bank and Institutional Services, for connecting in a network a user (5) and his own Bank for formalizing a...
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WO/1997/005582A1 |
A system and device allowing for an inexpensive smartcard terminal is disclosed, particularly where more than one scheme is required to be supported. Remote terminals (20) receive smartcards (10) and establish a communication link (30) w...
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WO/1997/004411A1 |
A system (20) and method for allowing funds to be transferred (28) instantly to an account (30) so that the funds are available to the beneficiary at the time they are sent, based on customer information (24) which can be automatically a...
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WO/1996/041293A1 |
A method and system (50) for providing integrated financial services including brokerage services through an ATM network permits trading of securities, portfolio evaluation, security price evaluation and brokerage account inquiries. The ...
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WO/1996/036947A1 |
A value transfer system for transferring value in transactions between electronic purses as electronic cash has a transaction failure recovery procedure whereby a pending log stores transaction messages after they are sent. On detection ...
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WO/1996/036933A1 |
An apparatus for currency discrimination comprises first and second stationary scanheads (18a, 18b), disposed on opposite sides of a bill transport path, for scanning respective first and second opposing surfaces of a bill (17) traveling...
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WO/1996/032701A1 |
A method using an open communication network (10) to which retailer server stations (20) and customer stations (30) are connected. According to the method, a retailer server station generates a payment slip for the planned purchase trans...
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WO/1996/032687A1 |
An automated teller system comprising a user identification card (30) unique to each user and having stored thereon customized transaction information predefined by the user of the card, a transaction terminal (10) comprising a card read...
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WO/1996/025724A1 |
An integrated circuit controlled transaction management system using an interpreter which deals with the execution of an application, either on an ICC, or on a terminal or on both, is particularly able to execute an application between t...
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WO/1996/023283A2 |
The present invention provides a card apparatus (17, 17') for executing financial transactions, comprising: processor means for executing authorization routines and certain financial transactions, at least including prepaid transactions ...
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WO/1996/018979A1 |
The present invention provides for a system and method of performing financial transactions which include a financial card that stores pre-selected transaction instructions corresponding to one or more fiancial transactions, such as cash...
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WO/1996/015616A2 |
The invention relates to a method and a system for charging of a user of a telenetwork, especially a computer equipment offering chargeable services. In order to achieve a simple and reliable charging method: A) the identification number...
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WO/1996/015511A1 |
Apparatus is described for handling sheets, such as bank notes or other value sheets. An inserted note is transported to an intermediate position in which the note can either be rejected or encashed without affecting notes already stored...
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WO/1996/014705A1 |
A system for conducting banking transactions using a remote terminal (1) with access to an ATM host computer (7) through a remote terminal (1) which includes a communication protocol of an ATM machine, a host computer (7) for the ATM, an...
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WO/1996/011449A1 |
A method of streamlining, simplifying and inducing the giving of contributions or gifts by prospective contributors or gift givers, receiving and immediately capturing thereof upon receipt is provided. The method comprises the steps of p...
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WO/1996/010800A1 |
A currency counting and discrimination device (10) for receiving a stack of currency bills, rapidly counting and discriminating the bills in the stack (20), and then re-stacking the bills. The device comprises an input receptacle (209) f...
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WO/1996/010682A1 |
An envelope dispenser (50) for use in an automated teller machine includes a lockable access door (14). The door includes a slot (20), integral with its first face (16). The door is locked by the engagement of a first member (36) in a fi...
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WO/1996/008797A1 |
A system of remotely distributed machines (10) is provided for paying bills (40) issued by each of several different remote issuers, such as telephone, gas, and electric utilities. Each machine (10) preferably has its own computer (80), ...
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