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Data Processing: Financial, Business Practice, Management, Or Cost/price Determination > Automated Electrical Financial Or Business Practice Or Management Arrangement > Finance (e.g., Banking, Investment Or Credit) > Including Funds Transfer Or Credit Transaction > Remote Banking (e.g., Home Banking) Remote Banking (e.g., Home Banking)Remote Banking (e.g., Home Banking) patent applications listed are from June 2005 to current and include Date, Patent Application Number, Patent Title, Patent Abstract summary and are linked to the corresponding patent application page.10/26/06 - 20060242063 - Remote check deposit In accordance with the principles of the present invention, a system is provided for capturing a customer deposit at their place of business, converting the Magnetic Ink Character Recognition (MICR) data encoded documents into an image with an associated data file, and electronically transmit the data to a financial institution. ... 10/26/06 - 20060242062 - Remote check deposit In accordance with the principles of the present invention, a system is provided for capturing a customer deposit at their place of business, converting the Magnetic Ink Character Recognition (MICR) data encoded documents into an image with an associated data file, and electronically transmit the data to a financial institution. ... 08/10/06 - 20060178991 - Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card An apparatus of the invention comprises an operation inputting element for designating one of a plurality of functions; a function executing element for executing the function designated by the operating inputting element; a measuring element for measuring the time during which each of the functions has been executed by the ... 08/10/06 - 20060178990 - Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card An apparatus of the invention comprises an operation inputting element for designating one of a plurality of functions; a function executing element for executing the function designated by the operating inputting element; a measuring element for measuring the time during which each of the functions has been executed by the ... 07/27/06 - 20060167798 - Currency transfer computerized card A currency transfer computerized card comprises memory means, including, for example, an electronic microchip, for memorizing data including at least an identification code and at least a currency amount, the card being designed for being purchased at an agreed selling point and to be used for performing purchasing or cash ... 07/13/06 - 20060155644 - Pre-funding system and method A method for pre-funding is disclosed. The method includes sending a plurality of pre-fund authorization requests to a buyer financial institution, and then receiving a plurality of responses to the pre-fund authorization requests from the buyer financial institution, where each response either accepts or declines a pre-fund authorization request. A ... 07/06/06 - 20060149672 - Data processing system for managing and configuring an electronic transmission of a deposit A data processing system for managing and configuring an electronic transmission of a deposit with the steps of: computer processor for processing data, storage for storing data on a storage medium, transmit data for sending data, network for connecting computers and computer processors for sharing data, signaling check processing structure ... 06/01/06 - 20060116961 - Method and apparatus for processing checks into an electronic funds transfer system A method of processing a check in an electronic funds transfer system, includes storing financial information, such as a routing number and an account number, obtained from at least one financial institution at predetermined times per year, in a database; receiving check information from a first financial institution; comparing the ... 05/25/06 - 20060112011 - Electronic banking system An automated electronic banking system for initiating and automatically processing monetary transactions, includes initiating means for maintaining a transaction record and permitting a remotely located customer of a bank to selectively initiate a monetary transaction request for automated processing, a bank host server adapted for automatically receiving and processing the ... 05/04/06 - 20060095374 - System and method for supply chain financing A system and method for providing supply chain financing is provided. The system comprises an invoice system for processing at least one invoice received from a buyer, the invoice system comprising: an invoice reception module for receiving the at least one invoice from the buyer, and an invoice validation module ... 04/20/06 - 20060085340 - Methods and systems for managing consumer transactional accounts Computer-implemented methods and systems for managing consumer transactional accounts provides a temporary line of credit with an installment option that a consumer can use for specific occasions or life events. The account remains open for only a limited period of time during which interest does not accrue. Thereafter, the account ... 04/13/06 - 20060080251 - Systems and methods for offering credit line products Computer implemented methods and systems for offering a credit line product to customers of a financial institution in which client household level files are created for financial institution customers, particular ones of which are then selected for a credit-line product offering based on client level and account level selection parameters, ... 04/13/06 - 20060080250 - System and method for providing a hedge fund structured products platform In one aspect, the present invention comprises a computer system for providing an infrastructure platform. That computer system preferably comprises a bank computer operable to communicate via a computer network with a fund manager computer operated by a fund manager managing a fund, wherein the bank computer is operated by ... 04/13/06 - 20060080249 - Controlling electronic withdrawals by a drawee Controlling electronic withdrawals by a drawee including receiving in the drawee from a withdrawal device a withdrawal request, where the withdrawal request includes a withdrawal device identifier, a drawer identifier, and a withdrawal amount; retrieving from storage in computer memory of the drawee data representing limitations on electronic withdrawals for ... 04/13/06 - 20060080248 - Controlling electronic withdrawals by a withdrawal device Controlling electronic withdrawals by a withdrawal device including creating in the withdrawal device a data structure representing a withdrawal request, where the data structure includes fields for a withdrawal device identifier, a drawer identifier, a drawee identifier, and a withdrawal amount; transmitting from the withdrawal device to a drawee a ... 04/13/06 - 20060080247 - Controlling electronic withdrawals by a transaction processor Controlling electronic withdrawals by a transaction processor including receiving in the transaction processor from a withdrawal device a withdrawal request, where the withdrawal request includes a withdrawal device identifier, a drawer identifier, a drawee identifier, and a withdrawal amount; transmitting from the transaction processor to a drawee a request for ... 04/06/06 - 20060074804 - Systems, methods, and computer readable media for managing interest-bearing financial accounts Methods for managing a financial account is provided. A plurality of tiers are created within the financial account, the plurality of tiers including at least a first tier and a second tier. Funds held in the second tier are subjected to more favorable terms than funds held in the first ... 03/30/06 - 20060069643 - Contingency network access for accounts or information The invention teaches an improved security system for accounts or information accessed over a local or wide area network, where the account holder is provided with an alternate security code, usually related to a PIN. During an assault, kidnapping, intimidation or other adverse event, the alternate security or access code/identifier ... 03/23/06 - 20060064379 - Methods and systems for exchanging and/or transferring various forms of valve Methods and systems for exchanging various forms of value, including coins, currency, credit, debit, and/or bank account funds, for prepaid cash cards, credit cards, phone cards, and the like. In one embodiment, a value exchange machine includes a coin input region, a coin sorting/counting apparatus, a card reader, and a ... 02/23/06 - 20060041506 - Validating negotiable documents using public document validation profiles A system and method that allows a business or financial institution accepting negotiable documents such as checks as payments or receiving such documents in deposits to determine whether those documents are valid by comparing a set of document and maker characteristics extracted from an image of the document to the ... 01/12/06 - 20060010071 - Document processing system using full image scanning A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill processed. The currency identification characteristic information permits the unique identification of each bill processed. The system further comprises a customer identification means and means ... 12/08/05 - 20050273431 - System and method for consumer control over card-based transactions A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary which is accessible to the consumer ... 12/08/05 - 20050273430 - Systems and methods for scoring bank customers direct deposit account transaction activity to match financial behavior to specific acqusition, performance and risk events defined by the bank using a decision tree and stochastic process A financial scoring system for forecasting the financial behavior of a bank customer holding a direct-deposit-account, commonly referred to as a checking account, to forecast the probability of being a cross sell or up sell acquisition candidate, a default candidate on a loan repayment account, a default candidate on a ... 12/01/05 - 20050267843 - System and method for electronic deposit of third-party checks by non-commercial banking customers from remote locations A system and method for initiating a deposit transaction, where the depositor is a non-commercial banking customer located at a remote location, and where the item to be deposited is a paper check from a third party, payable to the depositor. The enabling system features a Remote Customer Terminal (RCT) ... 11/10/05 - 20050251479 - Banking system, automated teller machine, financial transaction method, and a recording medium recording a financial transaction program readable by computer The present invention is a banking system comprises a borrowing application section, a borrowing information acquiring section that acquires information about the borrowing money permitted by a cashing service dealer, a transaction instruction inputting section that inputs an instruction to carry out a transaction relevant to the financial institution using ... 11/03/05 - 20050246277 - Transaction processing system This invention provides a transaction processing system (10) which includes a first network interface (12) connectable to a mobile communications network (20). The interface (12) is configured to receive a data message request originating from a telecommunications data message sent by a requester from a mobile telephone (28). The data ... 09/29/05 - 20050216407 - Currency fund An exchange trade fund comprising: an amount of currency, wherein the currency is deposited with one or more custodians in exchange for one or more creation units; wherein each creation unit represents a plurality of shares of the fund; and wherein each creation unit is redeemable for an amount of ... 09/29/05 - 20050216406 - International bank cash system (business method) The International Bank Cash System is an Internet-based business method that enables its users to directly withdraw money from their bank accounts or any other accounts from their personal computers and electronically transfer the amount (value) withdrawn onto new financial instruments called “Bank Cash” currencies which can be downloaded and ... 09/15/05 - 20050203846 - Self-service deposit equipment for banking The present invention relates to a self-service banking apparatus featuring among its modules a depositary module (1), including simultaneously, within itself, the following sub-modules: a bar code reader (6), a magnetic character reader (CMC7) (7); a scanner for image capture (8); a printer for deposited documents (9); a deposited documents ... 08/25/05 - 20050187876 - System for cash handling A system for the processing of orders for cash handling, wherein a central entity by a central computer via data lines can exchange data with different institutions, in particular with one or more commercial banks, one or more central banks and one or more cash centers, and wherein the central ... 07/21/05 - 20050160038 - Prompted automatic online payments A system, method and computer program product are disclosed for providing automatic recurring online payments. According to the method, an automatic recurring online payment configuration is received from a user. A notification is sent to the user of a pending automatic payment based on the automatic recurring online payment configuration, ... 06/30/05 - 20050144131 - Method for electronically exchanging checks between financial institutions and an improved process for clearing checks A method for electronically transmitting or transferring checks between financial institution(s) particularly between an Originating Depository Financial Institution (ODFI) and a receiving banking financial institution (RDFI) comprising scanning each of the check(s) to electromagnetically read “MICR” line information printed on each check; capturing an image of the front and back ... 06/23/05 - 20050137979 - Apparatus and method for amount verification of paper checks for electronic redeposit A verification system for electronic redeposit of paper checks determines with a merchant terminal whether a paper check meets criteria for electronic redeposit. In an embodiment of the invention, the electronic redeposit verification system verifies with a terminal that the amount of the check is less than a predetermined threshold. ... 06/16/05 - 20050131821 - System for controlling cash transactions with customers within banking institutes System for Controlling Cash Transactions With Customers Within Banking Institutes. According to one embodiment, a system is provided for carrying out cash transactions with customers within financial institutions, their branches and the like. The system can include a customer identification device designed to record customer-specific information. In addition, the system ... 06/16/05 - 20050131820 - E-check and e-commerce Methods, systems, and media for processing and clearing a check are disclosed. Embodiments include hardware and/or software for generating an e-check in response to receipt of a paper check, by which a merchant performs the manual data entry for the merchant, the merchant's bank, the Federal Reserve Bank, and the ... 06/09/05 - 20050125351 - Systems and methods for assessing the risk of a financial transaction using authenticating marks Systems and methods are described for better assessing risk associated with cashing second-party checks and other negotiable instruments. The systems and methods make use of information about authenticating marks, such as watermarks, bar codes, insignia, background patterns, and the like, from a check in order to better assess the legitimacy ... 06/09/05 - 20050125350 - Systems and methods for assessing the risk of financial transaction using geographic-related information Systems and methods are described for better assessing risk associated with cashing second-party checks and other negotiable instruments. The systems and methods make use of location-related information about an issuer of a second-party check being presented for cashing in order to better assess the legitimacy and cashability of the check. ... 06/09/05 - 20050125349 - Channel services method and system for an electronic real property conveyancing marketplace A communications channeling method and system (140) for channeling communications relating to the electronic conveyancing of property selectably presents on-line consumer layer property conveyancing software applications (238) using a messaging hub web browser (142) associated with a gateway (140). The web browser (142) allows tailored access to the plurality of ... ### FreshPatents.com Support |