The invention relates generally to a system and method for initiating a deposit transaction, where the depositor is a banking customer located at a remote location, where the item is to be deposited without physical transport of the item to a bank and where the item to be deposited is a financial instrument, e.g. a paper check, from a third party (i.e., other than the bank customer or the paying bank), payable to the depositor, where the banking customer has or creates a digital image of the financial instrument.
As used herein, a “bank” may be a bank or other financial institution, and a “financial instrument” may be any financial instrument, including paper-based financial instruments such as checks or other negotiable instruments, now known or later developed.
Methods and systems for initiating electronic financial transactions from remote locations are increasingly common. Examples are the use of Automated Teller Machines (ATMs) to withdraw cash, and the use of telephonic systems and personal computers to initiate a transfer of funds between banking customer accounts, or to pay bills. Such transactions are commonly referred to as Electronic Funds Transfer (EFT).
Two principal advantages of EFT, from the perspective of the banking customer, are convenience and speed. They are convenient to the extent that they do not require banking customers to physically visit the bank in order to initiate a financial transaction. Electronic transactions are also completed more quickly than those involving paper instruments and/or documents that must be physically routed to different locations in order to complete the transaction. A significant disadvantage of present EFT systems, however, is that they are not equipped to accept certain financial instruments, such as paper checks, as part of the transaction. Since it is estimated that paper check volume in the United States exceeds sixty billion annually, this is a significant drawback.
Some approaches have been disclosed for converting paper checks to electronic transactions. Using an approach commonly known as Electronic Check Presentment (ECP), a bank of first deposit (the bank first receiving a paper check for deposit, hereinafter BOFD) will capture an electronic image of the check or otherwise convert the check to an electronic transaction for processing through a clearing house and the paying bank. The image of the check and/or check data essentially take the place in the settlement process of the paper check for the purposes of payment. For a general description of the ECP process, see U.S. Pat. No. 5,237,159. While the ECP method may speed transaction time, it offers no improvement in convenience for the banking customer who must still initiate the transaction by physically delivering the paper check to the bank.
A related approach allows a banking customer to write a paper check for purchases at the point-of-sale, typically a retail store, where the transaction is then converted into either an EFT or ECP transaction. Under this method, however, the banking customer is the payor. No provision is made for the deposit of checks by a payee.
Existing systems that perform electronic banking transactions are either not equipped to handle certain financial instruments such as paper checks, are configured only for bank-to-bank transactions, or do not accept third party checks for deposit. The resulting lack of convenience, and other drawbacks, limits the utility of such systems for bank customers.
It is one object of the invention to provide a system and method for allowing banking customers to deposit financial instruments, including third-party checks, from remote locations without physically transporting the financial instruments to the bank.
It is another object of the invention to provide a system and method that would allow banking customers to initiate such deposit transactions at home, providing convenience and a level of independence for banking customers who are confined to their homes.
It is another object of the invention to provide a method that would allow banking customers to deposit financial instruments, such as third party checks, at ATM machines. Most ATMs simply provide a means for holding paper checks until they are collected for processing. The present invention would make ATMs more useful by providing for electronic deposit of financial instruments, such as third party checks.
It is another object of the invention to provide alternative methods for the BOFD system to process such transactions. By identifying a system and method for deposit that is compatible with ECP, EFT and reconstructed check processing, banks will have practical alternatives in the implementation of this new approach. Further, banks can execute such deposit transactions without having to physically receive and/or process the physical financial instrument.
To achieve these and other objects of the invention, a payee would deposit a financial instrument, such as a third party paper check, using a Remote Customer Terminal (RCT) that can communicate with a BOFD system. The payee may prepare, or receive from a third party, a digital image of the financial instrument that is to be deposited. Software and/or hardware accessible at or through the RCT can “recognize” data in or on the digital image of the financial instrument. Such data could include data contained in the MICR line, RTN, account number, amount of financial instrument, date of financial instrument or any other characters present in or on the digital image of the financial instrument. Recognition can be made of such data, whether in human-visible or machine readable form. Alternatively or additionally, the banking customer can input data taken from the financial instrument, or the digital image of the financial instrument, directly into the RCT. In general terms, the RCT may be equipped to “accept” digital images and data regarding the financial instrument. The digital image of the financial instrument and/or data recognized from the financial instrument or inputted into the RCT by the banking customer is transmitted from the RCT to the BOFD system. The BOFD system can process the deposit transaction in several different fashions.
In one embodiment of the invention, the RCT is located at home, and comprises a digital camera, or a personal computer or wireless handheld device, such as a Blackberry® or Palm Treo®, having digital imaging capabilities such as an attached image scanner or a digital camera. To initiate the transaction, the banking customer uses an Internet-based application loaded on the RCT to access the BOFD system. A pre-assigned Personal Identification Number (PIN) or other password or secret, including a biometric, may be required to allow the banking customer access to the BOFD system. Either when prompted or prior to accessing the BOFD system, the banking customer captures the digital image of the financial instrument by the scanner or the digital camera and prepares a file storing the digital image. Upon prompting by the BOFD system, the banking customer forwards the digital image to the BOFD system along with the data that was either “recognized” from the digital image of the financial instrument or was input into the RCT by the banking customer. Alternatively, the customer may input data regarding the financial instrument directly into the BOFD system.
The automated system can provide immediate provisional credit from the BOFD system to the banking customer, and forward the digital image of the financial instrument and other data to a clearing house in the form of an ECP transaction. Once the transaction has cleared the paying bank, the BOFD system issues a permanent credit to the banking customer. Accordingly, the banking customer has initiated deposit of a financial instrument from a third party, such as a paper check, from the convenience of his/her own home using a digital image of the financial instrument and without having to physically present the financial instrument to the BOFD system, with the speed of an electronic transaction.
Certain actions can be taken to prevent redeposit of the same financial instrument. For example, if the banking customer is in possession of the physical financial instrument, the financial instrument may be marked at the RCT by a printer using human- or machine-readable ink to prevent redeposit. Alternatively, the RCT may further comprise a storage vault, and the financial instrument may be physically “captured” thus preventing redeposit. Another embodiment comprises checking identification information of the financial instrument, such as serial number and any other identifying information, against a database to see if the financial instrument has been previously deposited. If it is determined that the financial instrument has been previously deposited, redeposit can be denied by the BOFD system.
The following drawings and descriptions further describe the invention, including several different embodiments of the major system components and processes. The construction of such a system, implementation of such a process, and advantages will be clear to a person skilled in the art of automated financial transactions.
Purposes and advantages of the exemplary embodiments will be apparent to those of ordinary skill in the art from the following detailed description in conjunction with the appended drawings in which like reference characters are used to indicate like elements, and in which:
These and other embodiments and advantages will become apparent from the following detailed description, taken in conjunction with the accompanying drawings, illustrating by way of example the principles of the various exemplary embodiments.
As indicated above, the invention is directed to a system and method for the deposit of financial instruments, such as third party checks, using a digital image of the financial instrument from remote locations by banking customers.
Overview of the System
The RCT 100 may be a telephone, digital camera, fax machine, personal computer, ATM, cell phone, PDA or any other computer, apparatus, wireless handheld device such as a Blackberry® or Palm Treo® or system capable of collecting data and communicating with BOFD system 110. For instance, the RCT 100 may comprise a workstation or other device running the Microsoft Windows™ NT™, Windows™ 2000, Windows Vista™, Windows XP™, Windows Mobile™, Unix, Linux, Xenix, IBM AIX, Hewlett-Packard UX, Novell Netware™, Sun Microsystems Solaris™, OS/2™, BeOS™, Mach, Apache, OpenStep™, Mac OS X™, GAME BOY™, PXP™ or any other operating system or platform now known or later developed. RCT 100 may also comprise two or more such devices.
Additionally, the RCT 100 may comprise certain input devices 101, output devices 102, Central Processing Unit (CPU) 103, and machine-readable electronic memory 104.
The RCT input devices 101 may comprise a keypad, a keyboard, a microphone, a Magnetic Ink Character Reader (MICR), a Digital Image Scanner (DIS), a digital camera, any other digital imaging capabilities now known or later developed, a bar code scanner, a mouse, a touch screen, a voice reader, a voice recognizer, a dialogue screen, a menu box, a list, a checkbox, a toggle switch, a pushbutton or any other device that allows a user to receive information regarding the operation of the processing machine as it processes a set of instructions and/or provide the CPU 103 with information. The information provided to the CPU 103 may be in the form of a command, a selection of data, or some other input, for example.
The RCT output devices 102 may comprise a speaker, a display unit, a paper printer, or any other output device that can communicate a message to a human or a machine.
The RCT memory 104 may comprise a database that might use any desired arrangement of files such as a flat file arrangement or a relational database arrangement, for example. RCT memory 104 may be contained on any of a wide variety of media or medium utilized to hold instructions and/or data used in the invention and may take on any of a variety of physical forms or transmissions. RCT memory 104, for example, may be in the form of paper, paper transparencies, a compact disk, a DVD, an integrated circuit, a hard disk, a floppy disk, an optical disk, a magnetic tape, a RAM, a ROM, a PROM, an EPROM, a wire, a cable, a fiber, communications channel, a satellite transmission or other remote transmission.
Certain instructions may also be stored in RCT memory 104 and executed by the CPU 103, for example, to assist in communication and data collection functions. For example, optical character recognition software may be used in conjunction with the DIS or the digital camera to convert machine printed characters on the financial instrument or the digital image of the financial instrument to electronic text. Likewise, intelligent character recognition software may be used to convert handwritten characters on the financial instrument or on the digital image of the financial instrument to electronic text. Additionally, any browser, such as Netscape Navigator™, Internet Explorer™ or Mozilla Firefox™, may be used for Internet communications.
Software may also be stored in RCT memory 104 and executed by CPU 103 that is capable of “recognizing” machine-readable data in or on the digital image of the financial instrument. Such data could include data included in the MICR line or data that may be included in a financial instrument in, for example, a bar code.
Alternatively or additionally, the banking customer can input data from the financial instrument, or the digital image of the financial instrument, directly into the RCT 100 using input devices 101 such as keypad, keyboard or microphone.
The digital image of the financial instrument, along with data input into the RCT 100 from the financial instrument, can be stored in a file in RCT memory 104 or on other memory now known or later developed.
The BOFD system 110 may comprise a telephone, a cellular phone, a facsimile machine, a personal computer, a mainframe computer, a personal digital assistant (PDA), a wireless handheld device such as a Blackberry® or Palm Treo® or any other computer, apparatus, or system capable of receiving data from the RCT 100, and initiating a deposit transaction. Like RCT 100, BOFD system 110 may comprise a workstation running the Microsoft Windows™ NT™, Windows™ 2000, Windows Vista™, Windows XP™, Windows Mobile®, Unix, Linux, Xenix, IBM AIX, Hewlett-Packard UX, Novell Netware™, Sun Microsystems Solaris™, OS/2™, BeOS™, Mach, Apache, OpenStep™, Mac OS X™, GAME BOY™, PXP™ or any other operating system or platform now known or later developed. Also like the RCT 100, the BOFD system 110 may comprise input devices 111, output devices 112, CPU 113, and electronic memory 114. The BOFD system 110 may further comprise an attended operator terminal with or without display, or it may be fully automated comprising a VRU in conjunction with CTI.
Additionally, the BOFD system 110 is broadly defined to include such network servers or other devices necessary to perform functions such as communication, data collection, and preparation of electronic transactions. Data collection, for example, may be implemented by hosting a World Wide Web site on an Internet server. Further, reference to singular components, such as CPU 113 and electronic memory 114, is not intended to be limiting and BOFD system 110 may comprise a plurality of CPUs 113 and electronic memories 114, whether located in a single physical location or located in different physical locations.
The RCT 100 and BOFD system 110 communicate with each other via a communication link 120. The link may operate through a network, such as by direct dial connection to the Internet over a telephone network. It may be accomplished via point-to-point communication, such as with a dedicated line or via the Internet, an intranet, a PAN (Personal Area Network), a LAN (Local Area Network), a WAN (Wide Area Network) or a MAN (Metropolitan Area Network), a frame relay connection, an Advanced Intelligent Network (AIN) connection, a synchronous optical network (SONET) connection, a digital T1, T3 or E1 line, Digital Data Service (DDS) connection, DSL (Digital Subscriber Line) connection, an Ethernet connection, an ISDN (Integrated Services Digital Network) line, a dial-up port such as a V.90, V.34 or V.34bis analog modem connection, a cable modem, an ATM (Asynchronous Transfer Mode) connection, or FDDN (Fiber Distributed Data Networks) or CDDI (Copper Distributed Data Interface) connections. Communications link 120 may furthermore be, include or access any one or more of a WAP (Wireless Application Protocol) link, a GPRS (General Packet Radio Service) link, a GSM (Global System for Mobile Communication) link, a CDMA (Code Division Multiple Access) or TDMA (Time Division Multiple Access) link such as a cellular phone channel, a GPS (Global Positioning System) link, CDPD (cellular digital packet data), a RIM (Research in Motion, Limited) duplex paging type device, a Bluetooth™ radio link, or an IEEE 802.11-based radio frequency link. Communications link 120 may yet further be, include or access any one or more of an RS-232 serial connection, an IEEE-1394 (Firewire) connection, an IrDA (infrared) port, a SCSI (Small Computer Serial Interface) connection, a USB (Universal Serial Bus) connection or other wired or wireless, digital or analog interface or connection. Any type of communication link that is capable of transmitting data, by wired or wireless methods, between RCT 100 and BOFD system 110 is suitable for use in the invention, whether now known or later developed.
Communications over communication link 120 may be secure to safeguard against theft of transmitted data. For example, communications along communications link 120 may be encrypted using any method of encryption now known or later developed, including but not limited to symmetric key encryption such as DES, IDEA or AES, asymmetric or public key encryption, checksums, cyclic redundancy checks, message authentication codes, digital signatures, or combinations or variations of the foregoing.
Additionally, the BOFD system 110 may be connected to one or more check clearing systems 130 via a communication link 140. The check clearing systems may comprise for-profit clearing houses 131, Federal Reserve banks 132, and local paying banks 134. The clearing houses 131 and Federal Reserve banks 132 may in turn have means for communication with non-local paying banks 133.
Further, the BOFD system 110 may include or be connected via a communication link 160 to one or more databases 150 that include information on financial instruments that have been previously deposited.
As with link 120, links 140 and 160 may be accomplished through any number of schemes for networked or point-to-point communications. Communications along links 140 and 160 may also be encrypted as for link 120 for security of information that is transmitted along those links.
The next two sections provide a description of a method for depositing financial instruments as provided by the invention.
Overview of the Information Flow from the Customer Perspective
The process begins when the banking customer receives a financial instrument payable to him/her 200. The financial instrument may be drawn on the banking customer's bank, a local bank, a non-local bank in the United States, or a foreign bank. Alternatively, the banking customer may receive a digital image of a financial instrument payable to him/her.
The banking customer may then “log on” to the BOFD system 110 from a RCT 100 using a Personal Identification Number (PIN), password, secret and/or other means of identification 210. Any means of verifying the banking customer's identification may be used, including biometrics such as retinal scan, fingerprint, voice recognition, DNA, handprint recognition or handwriting recognition (alone or in combination), or any other identification means now known or later developed. The banking customer may then select “deposit” from a menu of transaction options 220 as presented by the BOFD system 110.
In step 230, the banking customer may respond to prompts for each item of data needed to deposit the financial instrument. In one embodiment, the banking customer may enter a predetermined set of data all at once, for example where all data input fields are visible on the display screen of the RCT 100. The banking customer may be prompted to supply additional information in step 240 if the BOFD system 110 requests information not entered previously by the banking customer.
In another embodiment, either before logging on to the BOFD system 110 or during a session initiated by logging in, the banking customer may prepare a digital image of the financial instrument using DIS or a digital camera, or any other method of preparing a digital image now known or later developed. Additionally or alternatively, the banking customer may receive a digital image of the financial instrument from the payor. The banking customer may store the digital image of the financial instrument in the RCT memory 104.
Additionally, the banking customer may access software stored in the RCT memory 104 that can “recognize” data in or on the digital image of the financial instrument and store that data in the RCT memory 104. This data may be stored in the same file as the digital image of the financial instrument, or it may be stored in a different memory location. If stored in different locations, the files storing the digital image and the data may be linked. In another embodiment, in addition or alternatively, the banking customer may enter data into the RCT memory 104 using RCT input devices 101 such as the keypad, keyboard or microphone for storage. Further, the digital image of the financial instrument may be stored in RCT memory 104 either before the session initiated by logging on to the BOFD system 110, or during the session.
Data may comprise customer identification, customer account number, name of payor, name and routing number of payor's bank, the amount of the financial instrument, an image of the financial instrument, along with other information.
Upon prompting by the BOFD system 110 during the session, the banking customer may submit the data taken from the financial instrument, along with the digital image of the financial instrument, to the BOFD system 110 for processing 250, and may receive acknowledgement from the BOFD system 110 that the transaction is being processed 260. Alternatively, the banking customer may upload the digital image of the financial instrument and the data from the financial instrument directly to the BOFD system 110 from other storage or using input devices without storing that digital image and data into RCT memory 104. For example, memory devices such as “thumb” drives, non-persistent memory devices or any other method of storing a digital image and data that can be accessed for uploading to the BOFD system 110 are suitable.
In another embodiment, two or more devices may comprise the RCT 110. For example, the banking customer may prepare a digital image of the financial instrument and/or enter data taken from the financial instrument into a device such as a digital camera, a cell phone or a PDA, transmit that information to a workstation such as a personal computer and then log into the BOFD system 110 from the workstation. In yet another embodiment, the banking customer may prepare a digital image of the financial instrument with a device such as a digital camera, a cell phone or a PDA, transmit the digital image to a workstation such as a personal computer, enter data taken from the financial instrument into an input device in communication with the workstation and then log into the BOFD system 110 from the workstation. Any combination of devices and input devices may comprise the RCT 100.
The banking customer may receive a response 270 indicating, for example, that immediate provisional credit for the deposit of the financial instrument has been given, that full credit has been awarded, or that the transaction request has been denied, according to bank procedures.
If credit was issued, the financial instrument may be subjected to certain actions 280 in order to prevent re-deposit of the same financial instrument. One possible action is that the financial instrument is marked, for example, by human or machine readable ink. Alternatively, the financial instrument may be physically captured by the RCT 100, for example, via deposit into an ATM vault.
In one embodiment, the banking customer may log onto BOFD system 110 and check the status of a deposit transaction. In another embodiment, the BOFD system 110 may notify the banking customer that there is missing or erroneous information or data regarding the financial instrument or deposit transaction request, or there are outstanding questions regarding the deposit transaction request, in which case the banking customer may log onto the BOFD system 110 and input missing or erroneous information or data or provide answers to outstanding questions. In another embodiment, the banking customer may access BOFD system 110 and access previously inputted data to check for correctness, to correct erroneous inputted data or to make other alterations to the deposit transaction request. For example, the banking customer may request that the deposit be placed in a different account than was originally requested, that some of the deposit amount be credited to an outstanding account such as a loan or a credit account or that some of the deposit amount be placed in a stored value account.
Overview of the Information Flow from the Bank Perspective
The process may begin with a logon request 300 from the banking customer. A security function 305 may terminate the process for any unauthorized user 310. Once the banking customer has been authorized to access the BOFD system 110, the authorized user may be promoted to a data collection step, where data regarding the banking customer and the financial instrument is received 315, and an acknowledgement of receipt is sent to the customer 320.
The BOFD system 110 may review the identity of the paying bank 325. If the BOFD is the paying bank, the BOFD system 110 may issue immediate full credit to the account of the payee banking customer 330. Otherwise, the BOFD system 110 may issue “provisional” credit to the banking customer 335. Regardless of the type of credit issued, the BOFD system 110 may initiate certain actions 340 to prevent redeposit of the same financial instrument (see discussion of step 280 above). This may end the interactive session with the banking customer.
Next, the BOFD system 110 may make a decision concerning the method for “clearing” the financial instrument through another bank 345. If the transaction will be converted to an Electronic Funds Transfer (EFT), the BOFD system 110 may have to obtain a payor authorization 350 to support preparation of the EFT transaction 355 using the financial instrument data that was transmitted from the RCT 100 to the BOFD system 110. Alternatively, the BOFD system 110 may format the transaction for Electronic Check Presentment (ECP) 360 using the financial instrument data that was transmitted from the RCT 100 to the BOFD system 110, according to certain pre-established agreements with the paying bank. If, however, the BOFD system 110 does not have either the payor's authorization for an EFT, or an agreement with the paying bank for ECP, then the BOFD may print a reconstructed check 365 using the financial instrument data that was transmitted from the RCT 100 to the BOFD system 110. In any of these alternatives, the deposit of the financial instrument can be “cleared” without physical receipt of the financial instrument by the BOFD system 110.
In the case of “clearing” using a reconstructed check 370, the clearing process 375 is the traditional method for physically routing a paper financial instrument to the paying bank for payment. In an EFT or ECP transaction, the clearing process 375 may be accomplished by automated systems. The BOFD system 110 may submit the electronic transactions individually, or in batch. The clearing process 375 may involve data transfer directly to a local paying bank, or it may involve transfer of data to a clearing house or Federal Reserve bank for ultimate credit by the paying bank.
The paying bank may issue credit for the financial instrument 380. If credit is given, the BOFD system 110 may change the banking customer's credit from “provisional” to “full” 385. If however, the paying bank fails to pay the financial instrument, the BOFD system 110 may retract the “provisional” credit issued earlier 390.
The specification and examples provided above should be considered exemplary only. It will be evident that various modifications and changes may be made thereto, and additional embodiments may be implemented, without departing from the broader scope of the disclosure. The specification and drawings are accordingly to be regarded in an illustrative rather than restrictive sense.
This application is a continuation of U.S. patent application Ser. No. 11/890,605, filed Aug. 7, 2007, which is a continuation-in-part of U.S. patent application Ser. No. 09/506,434, filed Feb. 18, 2000, the disclosures of each of which are hereby incorporated in their entirety.
Number | Name | Date | Kind |
---|---|---|---|
3653480 | Yamamoto et al. | Apr 1972 | A |
3833885 | Gentile | Sep 1974 | A |
4050375 | Orleans | Sep 1977 | A |
4141078 | Bridges et al. | Feb 1979 | A |
4205780 | Burns et al. | Jun 1980 | A |
4264808 | Owens et al. | Apr 1981 | A |
4321672 | Braun et al. | Mar 1982 | A |
4396985 | Ohara | Aug 1983 | A |
RE31692 | Tyburski et al. | Oct 1984 | E |
4495018 | Vohrer | Jan 1985 | A |
4536647 | Atalla | Aug 1985 | A |
4617457 | Myers | Oct 1986 | A |
4672377 | Murphy | Jun 1987 | A |
4694397 | Grant et al. | Sep 1987 | A |
4700055 | Kashkashian, Jr. | Oct 1987 | A |
4713761 | Sharpe et al. | Dec 1987 | A |
4752877 | Roberts et al. | Jun 1988 | A |
4797913 | Kaplan | Jan 1989 | A |
4799156 | Shavit | Jan 1989 | A |
4807177 | Ward | Feb 1989 | A |
4812628 | Boston et al. | Mar 1989 | A |
4823264 | Deming | Apr 1989 | A |
4893333 | Baran et al. | Jan 1990 | A |
4931793 | Fuhrmann et al. | Jun 1990 | A |
4939674 | Price et al. | Jul 1990 | A |
4948174 | Thomson et al. | Aug 1990 | A |
4974878 | Josephson | Dec 1990 | A |
4975841 | Kehnemuyi et al. | Dec 1990 | A |
4988849 | Sasaki | Jan 1991 | A |
4992646 | Collin | Feb 1991 | A |
4992940 | Dworkin | Feb 1991 | A |
5023904 | Kaplan | Jun 1991 | A |
5053607 | Carlson | Oct 1991 | A |
5054096 | Beizer | Oct 1991 | A |
5080748 | Bonomi | Jan 1992 | A |
5111395 | Smith | May 1992 | A |
5115374 | Hongoh | May 1992 | A |
5121945 | Thomson et al. | Jun 1992 | A |
5122950 | Mee | Jun 1992 | A |
5136502 | Van Remortel et al. | Aug 1992 | A |
5175682 | Higashiyama | Dec 1992 | A |
5187750 | Behera | Feb 1993 | A |
5198975 | Baker et al. | Mar 1993 | A |
5220501 | Lawlor | Jun 1993 | A |
5225978 | Peterson | Jul 1993 | A |
5237159 | Stephens | Aug 1993 | A |
5265007 | Barnhard, Jr. et al. | Nov 1993 | A |
5283829 | Anderson | Feb 1994 | A |
5287269 | Dorrough et al. | Feb 1994 | A |
5311594 | Penzias | May 1994 | A |
5315508 | Bain et al. | May 1994 | A |
5321238 | Watanabe | Jun 1994 | A |
5326959 | Perazza | Jul 1994 | A |
5336870 | Hughes | Aug 1994 | A |
5349170 | Kern | Sep 1994 | A |
5350906 | Brody et al. | Sep 1994 | A |
5367581 | VanHorn | Nov 1994 | A |
5373550 | Campbell | Dec 1994 | A |
5396417 | Burks et al. | Mar 1995 | A |
5402474 | Miller | Mar 1995 | A |
5412190 | Kopesec | May 1995 | A |
5424938 | Wagner | Jun 1995 | A |
5430644 | Deaton et al. | Jul 1995 | A |
5432506 | Chapman | Jul 1995 | A |
5444794 | Uhland | Aug 1995 | A |
5444841 | Glasser et al. | Aug 1995 | A |
5446740 | Yien | Aug 1995 | A |
5448471 | Deaton et al. | Sep 1995 | A |
5459482 | Orlen | Oct 1995 | A |
5465206 | Hilt et al. | Nov 1995 | A |
5477040 | Lalonde | Dec 1995 | A |
5479494 | Clitherow | Dec 1995 | A |
5483445 | Pickering | Jan 1996 | A |
5484988 | Hills | Jan 1996 | A |
5502576 | Ramsay et al. | Mar 1996 | A |
5504677 | Pollin | Apr 1996 | A |
5506691 | Bednar et al. | Apr 1996 | A |
5508731 | Kohorn | Apr 1996 | A |
5513250 | McAllister | Apr 1996 | A |
5532464 | Josephson et al. | Jul 1996 | A |
5544043 | Miki et al. | Aug 1996 | A |
5544046 | Niwa | Aug 1996 | A |
5550734 | Tater | Aug 1996 | A |
5551021 | Harada | Aug 1996 | A |
5557515 | Abbruzzese et al. | Sep 1996 | A |
5563400 | Le Roux | Oct 1996 | A |
5566330 | Sheffield | Oct 1996 | A |
5568489 | Yien | Oct 1996 | A |
5570465 | Tsakanikas | Oct 1996 | A |
5572004 | Raimann | Nov 1996 | A |
5583759 | Geer | Dec 1996 | A |
5583760 | Klesse | Dec 1996 | A |
5590196 | Moreau | Dec 1996 | A |
5590197 | Chen | Dec 1996 | A |
5592377 | Lipkin | Jan 1997 | A |
5592378 | Cameron | Jan 1997 | A |
5599528 | Igaki | Feb 1997 | A |
5603025 | Tabb | Feb 1997 | A |
5615109 | Eder | Mar 1997 | A |
5621201 | Langhans | Apr 1997 | A |
5640577 | Scharmer | Jun 1997 | A |
5642419 | Rosen | Jun 1997 | A |
5649117 | Landry | Jul 1997 | A |
5652786 | Rogers | Jul 1997 | A |
5659165 | Jennings | Aug 1997 | A |
5659469 | Deaton et al. | Aug 1997 | A |
5659741 | Eberhardt | Aug 1997 | A |
5666493 | Wojcik et al. | Sep 1997 | A |
5677955 | Doggett | Oct 1997 | A |
5679938 | Templeton | Oct 1997 | A |
5679940 | Templeton | Oct 1997 | A |
5687250 | Curley et al. | Nov 1997 | A |
5692132 | Hogan | Nov 1997 | A |
5699528 | Hogan | Dec 1997 | A |
5703344 | Bezy et al. | Dec 1997 | A |
5704044 | Tarter et al. | Dec 1997 | A |
5708422 | Blonder et al. | Jan 1998 | A |
5715298 | Rogers | Feb 1998 | A |
5715314 | Payne | Feb 1998 | A |
5715399 | Bezos | Feb 1998 | A |
5717989 | Tozzoli et al. | Feb 1998 | A |
5724424 | Gifford | Mar 1998 | A |
5727153 | Powell | Mar 1998 | A |
5748780 | Stolfo | May 1998 | A |
5751842 | Eccles | May 1998 | A |
5757917 | Rose et al. | May 1998 | A |
5770843 | Rose et al. | Jun 1998 | A |
5774553 | Rosen | Jun 1998 | A |
5783808 | Josephson | Jul 1998 | A |
5784696 | Melnikof | Jul 1998 | A |
5793861 | Haigh | Aug 1998 | A |
5794221 | Egendorf | Aug 1998 | A |
5802498 | Comesanas | Sep 1998 | A |
5802499 | Sampson et al. | Sep 1998 | A |
5819236 | Josephson | Oct 1998 | A |
5819238 | Fernholz | Oct 1998 | A |
5826241 | Stein | Oct 1998 | A |
5826245 | Sandberg-Diment | Oct 1998 | A |
5832447 | Rieker | Nov 1998 | A |
5832460 | Bednar | Nov 1998 | A |
5832464 | Houvener et al. | Nov 1998 | A |
5832488 | Eberhardt | Nov 1998 | A |
5835580 | Fraser | Nov 1998 | A |
5835603 | Coutts | Nov 1998 | A |
5835899 | Rose et al. | Nov 1998 | A |
5852812 | Reeder | Dec 1998 | A |
5859419 | Wynn | Jan 1999 | A |
5864609 | Cross et al. | Jan 1999 | A |
5870456 | Rogers | Feb 1999 | A |
5870721 | Norris | Feb 1999 | A |
5870723 | Pare | Feb 1999 | A |
5870725 | Bellinger et al. | Feb 1999 | A |
5873072 | Kight | Feb 1999 | A |
5878141 | Daly et al. | Mar 1999 | A |
5883810 | Franklin et al. | Mar 1999 | A |
5884288 | Chang | Mar 1999 | A |
5884290 | Smorodinsky et al. | Mar 1999 | A |
5897625 | Gustin | Apr 1999 | A |
5898157 | Mangili et al. | Apr 1999 | A |
5903881 | Schrader | May 1999 | A |
5910896 | Hahn-Carlson | Jun 1999 | A |
5910988 | Ballard | Jun 1999 | A |
5915246 | Patterson et al. | Jun 1999 | A |
5917965 | Cahill et al. | Jun 1999 | A |
5920847 | Kolling et al. | Jul 1999 | A |
5930778 | Geer | Jul 1999 | A |
5940811 | Norris | Aug 1999 | A |
5940844 | Cahill et al. | Aug 1999 | A |
5943656 | Crooks | Aug 1999 | A |
5945653 | Walker et al. | Aug 1999 | A |
5956700 | Landry | Sep 1999 | A |
5963659 | Cahill et al. | Oct 1999 | A |
5963925 | Kolling et al. | Oct 1999 | A |
5966698 | Pollin | Oct 1999 | A |
5978780 | Watson | Nov 1999 | A |
5987435 | Weiss et al. | Nov 1999 | A |
5987436 | Halbrook | Nov 1999 | A |
5987439 | Gustin et al. | Nov 1999 | A |
5991750 | Watson | Nov 1999 | A |
6000832 | Franklin et al. | Dec 1999 | A |
6003762 | Hayashida | Dec 1999 | A |
6006208 | Forst et al. | Dec 1999 | A |
6009442 | Chen et al. | Dec 1999 | A |
6014636 | Reeder | Jan 2000 | A |
6016482 | Molinari et al. | Jan 2000 | A |
6016484 | Williams et al. | Jan 2000 | A |
6018718 | Walker et al. | Jan 2000 | A |
6021202 | Anderson et al. | Feb 2000 | A |
6026388 | Liddy et al. | Feb 2000 | A |
6029139 | Cunningham et al. | Feb 2000 | A |
6032133 | Hilt et al. | Feb 2000 | A |
6032137 | Hallard | Feb 2000 | A |
6035281 | Crosskey et al. | Mar 2000 | A |
6035285 | Schlect et al. | Mar 2000 | A |
6035287 | Stallaert et al. | Mar 2000 | A |
6038553 | Hyde, Jr. | Mar 2000 | A |
6041312 | Bickerton et al. | Mar 2000 | A |
6041315 | Pollin | Mar 2000 | A |
6044362 | Neely | Mar 2000 | A |
6045039 | Stinson et al. | Apr 2000 | A |
6047261 | Siefert | Apr 2000 | A |
6052674 | Zervides et al. | Apr 2000 | A |
6058380 | Anderson et al. | May 2000 | A |
6058381 | Nelson | May 2000 | A |
6061665 | Bahreman | May 2000 | A |
6064764 | Bhaskaran et al. | May 2000 | A |
6064987 | Walker et al. | May 2000 | A |
6065675 | Teicher | May 2000 | A |
6067524 | Byerly et al. | May 2000 | A |
6070150 | Remington et al. | May 2000 | A |
6070798 | Nethery | Jun 2000 | A |
6073104 | Field | Jun 2000 | A |
6073113 | Guinan | Jun 2000 | A |
6076072 | Libman | Jun 2000 | A |
6078907 | Lamm | Jun 2000 | A |
6081790 | Rosen | Jun 2000 | A |
6085168 | Mori et al. | Jul 2000 | A |
6088683 | Jalili | Jul 2000 | A |
6088685 | Kiron et al. | Jul 2000 | A |
6088686 | Walker et al. | Jul 2000 | A |
6092056 | Tull, Jr. et al. | Jul 2000 | A |
6098053 | Slater | Aug 2000 | A |
6098070 | Maxwell | Aug 2000 | A |
6105011 | Morrison, Jr. | Aug 2000 | A |
6108639 | Walker et al. | Aug 2000 | A |
6110044 | Stern | Aug 2000 | A |
6111858 | Greaves et al. | Aug 2000 | A |
6115690 | Wong | Sep 2000 | A |
6119106 | Mersky et al. | Sep 2000 | A |
6119107 | Polk | Sep 2000 | A |
6125354 | MacFarlane et al. | Sep 2000 | A |
6128602 | Northington et al. | Oct 2000 | A |
6128603 | Dent et al. | Oct 2000 | A |
6129273 | Shah | Oct 2000 | A |
6138118 | Koppstein et al. | Oct 2000 | A |
6144946 | Iwamura | Nov 2000 | A |
6148293 | King | Nov 2000 | A |
6149055 | Gatto | Nov 2000 | A |
6149056 | Stinson et al. | Nov 2000 | A |
6173272 | Thomas et al. | Jan 2001 | B1 |
6181837 | Cahill et al. | Jan 2001 | B1 |
6185544 | Sakamoto et al. | Feb 2001 | B1 |
6189785 | Lowery | Feb 2001 | B1 |
6202054 | Lawlor et al. | Mar 2001 | B1 |
6205433 | Boesch et al. | Mar 2001 | B1 |
6213391 | Lewis | Apr 2001 | B1 |
6227447 | Campisano | May 2001 | B1 |
6233565 | Lewis et al. | May 2001 | B1 |
6233566 | Levine et al. | May 2001 | B1 |
6236972 | Shkedy | May 2001 | B1 |
6240444 | Fin et al. | May 2001 | B1 |
6243689 | Norton | Jun 2001 | B1 |
6278981 | Dembo et al. | Aug 2001 | B1 |
6289322 | Kitchen et al. | Sep 2001 | B1 |
6292789 | Schutzer | Sep 2001 | B1 |
6301379 | Thompson et al. | Oct 2001 | B1 |
6301567 | Leong et al. | Oct 2001 | B1 |
6304858 | Mosler et al. | Oct 2001 | B1 |
6321212 | Lange | Nov 2001 | B1 |
6324524 | Lent et al. | Nov 2001 | B1 |
6334003 | Yokota | Dec 2001 | B1 |
6338047 | Wallman | Jan 2002 | B1 |
6338049 | Walker et al. | Jan 2002 | B1 |
6343279 | Bissonette et al. | Jan 2002 | B1 |
6363164 | Jones et al. | Mar 2002 | B1 |
6363364 | Nel | Mar 2002 | B1 |
6363365 | Kou | Mar 2002 | B1 |
6366967 | Wagner | Apr 2002 | B1 |
6374235 | Chen et al. | Apr 2002 | B1 |
6390362 | Martin | May 2002 | B1 |
6393409 | Young et al. | May 2002 | B2 |
6405173 | Honarvar et al. | Jun 2002 | B1 |
6415259 | Wolfinger et al. | Jul 2002 | B1 |
6418419 | Nieboer et al. | Jul 2002 | B1 |
6418420 | DiGiorgio et al. | Jul 2002 | B1 |
6418430 | DeFazio et al. | Jul 2002 | B1 |
6434159 | Woodward et al. | Aug 2002 | B1 |
6446072 | Schulze et al. | Sep 2002 | B1 |
6460020 | Pool et al. | Oct 2002 | B1 |
6490568 | Omara et al. | Dec 2002 | B1 |
6493685 | Ensel et al. | Dec 2002 | B1 |
6535896 | Britton et al. | Mar 2003 | B2 |
6536663 | Lozier et al. | Mar 2003 | B1 |
6554185 | Montross et al. | Apr 2003 | B1 |
6574350 | Rhoads et al. | Jun 2003 | B1 |
6574377 | Cahill et al. | Jun 2003 | B1 |
6578000 | Dodrill et al. | Jun 2003 | B1 |
6578015 | Haseltine et al. | Jun 2003 | B1 |
6609113 | O'Leary et al. | Aug 2003 | B1 |
6609125 | Layne et al. | Aug 2003 | B1 |
6629081 | Cornelius et al. | Sep 2003 | B1 |
6636615 | Rhoads et al. | Oct 2003 | B1 |
6658393 | Basch et al. | Dec 2003 | B1 |
6661910 | Jones et al. | Dec 2003 | B2 |
6704714 | O'Leary et al. | Mar 2004 | B1 |
6721715 | Nemzow | Apr 2004 | B2 |
6728397 | McNeal | Apr 2004 | B2 |
6796488 | Saffarian | Sep 2004 | B1 |
6820058 | Wood et al. | Nov 2004 | B2 |
6825940 | Wu et al. | Nov 2004 | B1 |
6860375 | Hallowell et al. | Mar 2005 | B2 |
6954896 | Dodrill et al. | Oct 2005 | B1 |
6965882 | Lapstun et al. | Nov 2005 | B1 |
6970259 | Lunt et al. | Nov 2005 | B1 |
6970855 | Das et al. | Nov 2005 | B2 |
RE38957 | Laussermair et al. | Jan 2006 | E |
7004382 | Sandru | Feb 2006 | B2 |
7062456 | Riehl et al. | Jun 2006 | B1 |
7068832 | Price et al. | Jun 2006 | B1 |
7090122 | Warren et al. | Aug 2006 | B1 |
7104443 | Paul et al. | Sep 2006 | B1 |
7133846 | Ginter et al. | Nov 2006 | B1 |
7177836 | German et al. | Feb 2007 | B1 |
7200255 | Jones et al. | Apr 2007 | B2 |
7313543 | Crane et al. | Dec 2007 | B1 |
7317823 | Price et al. | Jan 2008 | B1 |
7337148 | Xie et al. | Feb 2008 | B2 |
7349884 | Odom | Mar 2008 | B1 |
7380707 | Fredman | Jun 2008 | B1 |
7401048 | Rosedale et al. | Jul 2008 | B2 |
7624050 | Drummond | Nov 2009 | B1 |
20010011222 | McLauchlin et al. | Aug 2001 | A1 |
20010018666 | Sugiyama et al. | Aug 2001 | A1 |
20010018739 | Anderson et al. | Aug 2001 | A1 |
20010032139 | Debonnet, Jr. | Oct 2001 | A1 |
20010037300 | Miyazaki et al. | Nov 2001 | A1 |
20010037309 | Vrain | Nov 2001 | A1 |
20010047334 | Nappe et al. | Nov 2001 | A1 |
20010047489 | Ito et al. | Nov 2001 | A1 |
20010051533 | Wietzke et al. | Dec 2001 | A1 |
20020012445 | Perry | Jan 2002 | A1 |
20020013728 | Wilkman | Jan 2002 | A1 |
20020023055 | Antognini et al. | Feb 2002 | A1 |
20020026394 | Savage et al. | Feb 2002 | A1 |
20020038363 | MacLean | Mar 2002 | A1 |
20020046169 | Keresman et al. | Apr 2002 | A1 |
20020050526 | Swartz et al. | May 2002 | A1 |
20020052842 | Schuba et al. | May 2002 | A1 |
20020055907 | Pater et al. | May 2002 | A1 |
20020069134 | Solomon | Jun 2002 | A1 |
20020072976 | Virtanen et al. | Jun 2002 | A1 |
20020077978 | O'Leary et al. | Jun 2002 | A1 |
20020082985 | MacKay | Jun 2002 | A1 |
20020084321 | Martens et al. | Jul 2002 | A1 |
20020087415 | Allen et al. | Jul 2002 | A1 |
20020087468 | Ganesan et al. | Jul 2002 | A1 |
20020087469 | Ganesan et al. | Jul 2002 | A1 |
20020091635 | Dilip et al. | Jul 2002 | A1 |
20020100803 | Sehr | Aug 2002 | A1 |
20020107770 | Meyer et al. | Aug 2002 | A1 |
20020107788 | Cunningham | Aug 2002 | A1 |
20020111837 | Aupperle | Aug 2002 | A1 |
20020128981 | Kawan et al. | Sep 2002 | A1 |
20020138398 | Kalin et al. | Sep 2002 | A1 |
20020169658 | Adler | Nov 2002 | A1 |
20020170966 | Hannigan et al. | Nov 2002 | A1 |
20020178071 | Walker et al. | Nov 2002 | A1 |
20020184151 | Maloney | Dec 2002 | A1 |
20020194096 | Falcone et al. | Dec 2002 | A1 |
20020198817 | Dhir | Dec 2002 | A1 |
20020199182 | Whitehead | Dec 2002 | A1 |
20030018557 | Gilbert et al. | Jan 2003 | A1 |
20030037002 | Higgins et al. | Feb 2003 | A1 |
20030040959 | Fei et al. | Feb 2003 | A1 |
20030046218 | Albanese et al. | Mar 2003 | A1 |
20030055675 | Klein Twennaar | Mar 2003 | A1 |
20030055756 | Allan | Mar 2003 | A1 |
20030069780 | Hailwood et al. | Apr 2003 | A1 |
20030097335 | Muskowitz et al. | May 2003 | A1 |
20030105641 | Lewis | Jun 2003 | A1 |
20030110442 | Battle | Jun 2003 | A1 |
20030120686 | Kim et al. | Jun 2003 | A1 |
20030130945 | Force et al. | Jul 2003 | A1 |
20030130952 | Bell et al. | Jul 2003 | A1 |
20030144942 | Sobek | Jul 2003 | A1 |
20030187789 | Karas et al. | Oct 2003 | A1 |
20030191710 | Green et al. | Oct 2003 | A1 |
20030200107 | Allen et al. | Oct 2003 | A1 |
20030208421 | Vicknair et al. | Nov 2003 | A1 |
20030208441 | Poplawski et al. | Nov 2003 | A1 |
20030225663 | Horan et al. | Dec 2003 | A1 |
20030233305 | Solomon | Dec 2003 | A1 |
20030237046 | Parker et al. | Dec 2003 | A1 |
20040064409 | Kight et al. | Apr 2004 | A1 |
20040078328 | Talbert et al. | Apr 2004 | A1 |
20040133516 | Buchanan et al. | Jul 2004 | A1 |
20040201735 | Baron | Oct 2004 | A1 |
20040228514 | Houle et al. | Nov 2004 | A1 |
20050021466 | Buchanan et al. | Jan 2005 | A1 |
20050033690 | Antognini et al. | Feb 2005 | A1 |
20050055254 | Schmidtberg et al. | Mar 2005 | A1 |
20050086178 | Xie et al. | Apr 2005 | A1 |
20050091156 | Hailwood et al. | Apr 2005 | A1 |
20050097046 | Singfield | May 2005 | A1 |
20050097050 | Orcutt | May 2005 | A1 |
20050144059 | Schuessler | Jun 2005 | A1 |
20050177480 | Huang | Aug 2005 | A1 |
20050209954 | Asher et al. | Sep 2005 | A1 |
20050261955 | Humble et al. | Nov 2005 | A1 |
20060103893 | Azimi | May 2006 | A1 |
20060106650 | Bush | May 2006 | A1 |
20060106717 | Randle et al. | May 2006 | A1 |
20060136335 | Ferguson | Jun 2006 | A1 |
20060161501 | Waserstein et al. | Jul 2006 | A1 |
20060178986 | Giordano et al. | Aug 2006 | A1 |
20060206427 | Love et al. | Sep 2006 | A1 |
20060282389 | Gupte | Dec 2006 | A1 |
20060287953 | Chauhan | Dec 2006 | A1 |
20070138255 | Carreon et al. | Jun 2007 | A1 |
20070266130 | Mazur | Nov 2007 | A1 |
20080193008 | Mount et al. | Aug 2008 | A1 |
Number | Date | Country |
---|---|---|
421808 | Apr 1991 | EP |
1014318 | Jun 2000 | EP |
02311059 | Dec 1990 | JP |
WO 9116691 | Oct 1991 | WO |
WO 9308545 | Apr 1993 | WO |
WO 9428497 | Dec 1994 | WO |
WO 9608783 | Mar 1996 | WO |
WO 9612242 | Apr 1996 | WO |
WO 9714108 | Apr 1997 | WO |
WO 9745796 | Dec 1997 | WO |
WO 9745814 | Dec 1997 | WO |
WO 9809260 | Mar 1998 | WO |
WO 9910823 | Mar 1999 | WO |
WO 0039979 | Jul 2000 | WO |
WO 0175730 | Oct 2001 | WO |
WO 02063432 | Aug 2002 | WO |
WO 2004079603 | Sep 2004 | WO |
Entry |
---|
A microprocessor-based optical character recognition check reader by Chin, F. 1 ; Wu; Proceedings of the Third International Conference on Document Analysis and Recognition : 982-5 vol. 2;2 vol. xxvi+1188. IEEE Comput. Soc. Press. (1995) (Year: 1995). |
Hunt, Robert M., An Introduction to the Economics of Payment Card Networks. |
Annual Report Pursuant to Sectin 13 or 15(d) of the Securities Exchange Act of 1934, Form 10-K, Intelidata Technologies Corporation, Fiscal Year Ended Dec. 31, 2001. |
Blockbuster running test of a stored value card, The American Banker, Sep. 1, 1995. |
CES/NaBANCO introduces stored value card technology blockbuster video is first merchant partner, Business Wire, Inc., Jan. 15, 1996. |
Card Flash Daily Payment Card News, www.cardweb.com, printed Sep. 23, 2004. |
Anonymous, Chase Manhattan introduces new FEDI payables product, ProQuest document ID: 7806951, ISSN/ISBN: 02686635, May 1995. |
Bills, Chase Pact Done, What's Next for Web Vendors?, The American Banker, Technology Section, Jun. 3, 2002, p. 23. |
Reinbach, Chase steps up treasury system, ProQuest documednt ID 8723558, ISSN/ISBN: 10459472, Nov. 1995. |
Anonymous, Chasing the global trend, Cash Management News, proQuest document ID 9319923, ISSN/ISBN: 02686635, Dec. 1995. |
Malhotra, Clearing House Enumerates e-Payments IIIs, The American Banker, vol. 167, No. 154, Aug. 23, 2002. |
Marjanovic, Corporate Services: Chase Gears Up Global Payments System Series: 16, The American Banker, vol. 160, Issue 174, Sep. 11, 1995, p. 41. |
Gluck, Creating a Global Cash-Management Game Plan, Bank Systems & Technology, Feb. 1997, p. 28. |
Lamond, Credit Card Transactions Real World and Online, Paying by Credit Card—Real World and Online, http://www.virtualschool.edu/mon/ElectronicProperty/klamond/credit, printed Jul. 8, 2005, 17 pages. |
Lamond, Keith, Credit Card Transactions Real World and Online, http://www.virtualschool.edu/mon/ElectronicProperty/klamond/credit_card.htm, pp. 1-17, printed Jul. 8, 2005. |
Dialog file 20, #10279554; Offer: Book Yourself Free Cassettes; Mar. 25, 2000; Birmingham Post, p. 16. |
Du Pont's Electronic Payments, Corporate EFT Report, v9, n1, Dialog file 636, Accession No. 01066902, Jan. 11, 1989. |
Carreker, Electronic check presentment: Capturing new technology, http://proquest.umi.com, Banking Management, Rolling Meadows: vol. 71, Issue 2, Mar./Apr. 1995, p. 32, 5 pages. |
Fidelity Helps Fund Sellers Trim the Taxes They'll Owe, The Wall Street Journal, Nov. 7, 2002. |
First Data markets stored-value cards, Cards International, Jan. 30, 1996, p. 5. |
Norris, First data unit develops blockbuster cash card, Omaha World Hearld Sunrise Edition, Business Section, Jan. 19, 1996, p. 16. |
Harsh Truth: Your Investments Likely Won't Make Any Money. |
Money, Initial Launch to 200 Credit Unions, USA Today.com, Jun. 27, 2002. |
Decovny, Net Scope, Banking Technology, May 1997. |
Nokia Announces the World's First NFC Enabled Mobile Product for Contactless Payment and Ticketing, PRNewswire, Feb. 9, 2005. |
Armstrong, Douglas, Norwest eases difficulty of Interstate banking Bank's customers may use the same account number at any branch. |
Goode, on Profit, Loss and the Mysteries of the Mind, The New York Times, Nov. 5, 2002. |
Anonymous, Operating in a multi-currency environment, ProQuest document ID 9215937, ISSN/ISBN 09589309, Oct. 1995. |
Maher and Troutman, Payor's Prescription for Painless Migration to Electronic Healthcare Payments and Remittance Advices, PNC Bank, Dec. 2001. |
Maturi, Richard, Personal Finance; When you Need to Send Cash in a Flash. |
Press Release, Mar. 5, 2004, Payment Data Systems Files Patent on Debit Card Payment Solution, American City Business Journals, Inc., Mar. 5, 2004. |
Maher and Troutman, Provider's Prescription for Painless Migration to Receipt of Electronic Healthcare Payments and Remittance Advices, PNC Bank, Dec. 2001. |
Anonymous, Systems spell change for foreign exchange, Global Investor, ProQuest document ID 1056152B, ISSN/ISBN: 09513604, Nov. 1996. |
French, Tech Stocks: Market Movers, Investors Worry CheckFree Being Chased from Its Own Game, http://www.thestreet.com, Jun. 20, 2002. |
Technology, In Brief Wachovia-InteliData Deal, May 7, 2002. |
Zuckerman, The Hedge-Fund Craze, The Wall Street Journal, Jun. 12, 2002. |
McDonald, The Stars in the Sky Flicker, and Fund Stars Do the Same, The Wall Street Journal, Jan. 15, 2003. |
Anonymous, Visa & Carnegie Mellon Plan Online Payment Scheme, Newsbyte News Network, Feb. 15, 1995. |
Financial News, Wells Fargo Rolls Out Nationwide Lockbox Check Conversion, PR Newswire Association, Apr. 22, 2003. |
Terrie Miller and Henry Yan, When Custody Governs, Benefits Canada, Toronto, Feb. 1998, vol. 22, Issue 2, p. 33, 5 pages. |
Joachim, David S., “Sparing Paper Checks That Last Trip to the Bank,” The New York Times, (Nov. 9, 2006), p. C.6. |
Brink's Selects NetDeposit as Remote Capture Partner, Today, (Oct. 2004), vol. 26, Iss. 5, p. 8. |
First Union Division Offers Check Processing at POS by Bob Curly; Bank Systems & Technology; May 1999; 36, 5; Proquest; p. 40; 1 page. |
Number | Date | Country | |
---|---|---|---|
Parent | 11890605 | Aug 2007 | US |
Child | 14265506 | US |
Number | Date | Country | |
---|---|---|---|
Parent | 09506434 | Feb 2000 | US |
Child | 11890605 | US |