Abstract: A system and method for authenticating a smart card user at a reader device makes use of an application on a smart card microprocessor on which information fields relating to biometric information for the user and a table of pre-defined probability of occurrence values for user authentication is stored. The smart card and a biometric sample for the user is presented to the reader device, and an application associated with the reader device automatically authenticates the user based on a match level between the stored biometric information and the presented biometric sample according to a desired probability of occurrence value from the stored table. Alternatively, the user is automatically authenticated by an application on the smart card microprocessor.

Abstract: A method and system is provided for making a database stored upon a computer readable medium for use as a computerized multilingual phrase database in a runtime application environment. A database of all application phrases is created in one language with variable place holders reserved in the application phrases for each variable in the phrases. Translations of the created application phrases are created and stored in at least a second phrase database. The first and second phrase databases are exported in a form that can be used in a runtime environment by an application for which the first database and the second database were created.

Abstract: A system and method for preparing and integrating operational data received from nodes on a network prior to loading the data onto a data warehouse. Operational data received from nodes on a network is transformed to produce an output file of integrated data records which are audited to ensure data contained in the records has not already been loaded to the data warehouse in a previous operation. Data previously loaded onto the data warehouse is compared with current operational data to be loaded to determine whether the status of any nodes in the network has changed. The audited integrated operational data and data indicating which nodes, if any, have changed status since the previous upload of data are provided with unique identification numbers and uploaded to the data warehouse. In a preferred embodiment, the data concerns transactions occurring on, and the status of, components in customer activated terminals or transactions occurring on home banking servers.

Abstract: The present invention provides a device, method, and system for secure viewing and use of banking and other electronic access devices. The present invention comprises a computer/video display system that includes a computer with a conventional screen that displays a polarized screen image and a polarized partition that allows viewing of the screen by the user positioned in front of the display, while preventing viewing by secondary observers. The present invention operates in conjunction with a standard liquid crystal display (LCD), using the intact polarizer of the LCD. The present invention is intended to be used in conjunction with an automatic teller machine/customer access terminal (ATM/CAT) or personal computer (PC) to allow privacy of information displayed to the ATM/CAT or PC user, without preventing observation of the ATM/CAT or PC user.

Abstract: The present invention pertains to a system and method for assisting a visually impaired individual in performing a financial transaction at an automated teller machine, comprising initiating a visually impaired transaction session through a preset event at the automated teller machine; wherein the automated teller machine comprises a touch screen display for displaying operation instructions to a customer and for receiving input from a customer; an output jack for providing signals which can be converted to audible sounds by means of a headset; a bill dispensing mechanism for dispensing a bank not corresponding to a specified amount; a receipt issuing unit for printing a transaction content and for issuing a receipt on which the transaction content is printed; and a controller connected to the card reader, the touch screen display, the output jack, the bill dispensing unit, and the receipt issuing unit, the controller providing signals to the output jack corresponding to information provided on the touch scre

Abstract: The present invention discloses a system and method enabling value stored in an advanced technology memory on a transaction card to be utilized in a magnetic stripe transaction with the card. The invention provides a special transaction number that is encrypted and recorded on the magnetic stripe of the card. The special transaction number comprises the value to be transferred or transaction amount, a personal identification number (“PIN”), and an account number. The special transaction number is recorded in a non-discretionary data field. Further, an indicator character may also be recorded on the magnetic stripe to alert a host system of a financial institution of the existence of the special transaction number. Thus, the special transaction number is read during a magnetic stripe transaction and the value represented by the special transaction number may be utilized to perform the transaction.

Abstract: An enhanced-security automated bank teller machine/customer activated teller (ATM/CAT). The ATM/CAT includes a multi-level security system. The first line of defense is access control to the service area behind the ATM/CAT through the use of an electronic lock on the service area door with an emergency override, which is only operable during non-curfew hours. The second line of defense is a passive infrared (PIR) detector in the service area, and lights and a loudspeaker to deter theft. The third line of defense is an impact sensor panel covering the security chest, which can be cheaply replaced. The fourth line of defense is the steel or composite material security chest and boltwork, which locks so that the door cannot open if the hinge is removed. Furthermore, the location of the lock, the latching bars, and the hinges cannot be ascertained from the outside of the security chest. The fifth line of defense is a glass plate to jam the boltwork closed if an attacker drills through the chest door.

Abstract: A device, system and method for extracting deposited items from a secure enclosure, such as the envelope bin of an ATM/CAT safe, makes use, for example, of computer hardware and software applications, as well as one or more secure access devices, card devices, transponder devices, input devices, control mechanisms, transport bins, and transport devices, to modify or field retrofit an existing ATM/CAT to enable removal of items without opening the safe door. The modified ATM/CAT enables a service person, for example, to enter a retrieval request, which is received by a control device, and the control device automatically opens an access port of shutter of the ATM/CAT safe and automatically activates a transport mechanism to transport items out of the safe to be received by the service person or a secured access bin docked, for example, with the access port.

Abstract: The present invention pertains to a system and method for assisting a visually impaired individual in performing a financial transaction at an automated teller machine, comprising initiating a visually impaired transaction session through a preset event at the automated teller machine; wherein the automated teller machine comprises a touch screen display for displaying operation instructions to a customer and for receiving input from a customer; an output jack for providing signals which can be converted to audible sounds by means of a headset; a bill dispensing mechanism for dispensing a bank not corresponding to a specified amount; a receipt issuing unit for printing a transaction content and for issuing a receipt on which the transaction content is printed; and a controller connected to the card reader, the touch screen display, the output jack, the bill dispensing unit, and the receipt issuing unit, the controller providing signals to the output jack corresponding to information provided on the touch scre

Abstract: A method and system is provided for making a database stored upon a computer readable medium for use as a computerized multilingual phrase database in a runtime application environment. A database of all application phrases is created in one language with variable place holders reserved in the application phrases for each variable in the phrases. Translations of the created application phrases are created and stored in at least a second phrase database. The first and second phrase databases are exported in a form that can be used in a runtime environment by an application for which the first database and the second database were created.

Abstract: A method and system for batch loading a stored value application of a microprocessor based stored value card includes a stored value card reader/writer connected to a local computer device and a batch-load application running on the same computer device which securely stores load key information and emulates the remote functions of an on-line load transaction. The computer also has a security module for storing load key information and an encryption device. Communication is initiated on the card reader at the local computer device between the stored value application and the batch-load application, and an off-line batch-load transaction is performed in which the load key information is validated and a funding source is also validated. An authorizing message is sent by the batch-load application to the stored value application with data representing a pre-selected monetary value.

Abstract: A system and method for controlling the transmission of information known as “cookies” stored on electronic media to Internet websites accessed by PC users utilizes a “cookie jar” in a server-based virtual wallet for the user. When a website server sends a “cookie” to the user's PC, the virtual wallet stores the cookie only after requesting and receiving the user's permission. When the user accesses the website server again, and the server requests return of the cookie, the virtual wallet sends the cookie only after requesting and receiving the user's permission. Alternatively, the user can preconfigure the virtual wallet with predefined parameters for withholding or sending the cookie when requested by the website server.

Abstract: A method and system of user interface for a full function computer centered, for example, in a user's living room automatically displays a screen for a control center application folder, for a plurality of bundled applications, from which the user selects an application, such as a home banking application. The system automatically displays a function selection screen for the selected application, from which the user selects an application function, and the system automatically implements the selected function.

Abstract: A depositor accommodating substantially thicker deposits than was possible with prior systems. A pair of plates each having a transport mechanism disposed as part thereof are coupled to a housing so as to abut each other, one above the other, in a rest position. A drive shaft for the transport mechanisms of the upper and lower plates are rotatably coupled to the housing and define an axis of rotation for each plate. The drive shaft for the top plate is disposed at an opposite end from the drive shaft of the bottom plate. A free end of each plate, the end opposite the drive shaft, is elastically coupled to the housing. This allows a substantially thicker deposit envelope to be accepted than was possible with prior systems.

Abstract: A security enclosure with an electronic lock, a concealed hinge door and lock wheel which operates a lock internal to the security enclosure. The electronic lock operates by a key pad into which a required security code may be entered. When the correct code is entered, a solenoid within the enclosure retracts moving a pin which allows the lock wheel to rotate. When the lock wheel is rotated, strike bolts extending into the top and bottom of the enclosure and left and right strike bars extending to the sides of the enclosure are retracted enabling the door to be pulled open. The door construction is such that there are no external hinges which may be drilled out, and the door itself is recessed so that it cannot be pried open. Attempts to turn the lock wheel when the solenoid is engaged have no effect because the wheel cannot be turned without breaking.

Abstract: A financial information and transaction system comprising a host financial computer system, which host system maintains records of user account information; at least one terminal providing a user interface for accessing the host financial computer system, the at least one terminal including a means for transmitting and receiving data corresponding to the user account information, and a smart card interface device; wherein access to the records of user account information are organized in a hierarchy of three or more levels, which hierarchy comprises an initial level, a final level, and one or more intervening levels; wherein the records of user account information are accessed by passing through the hierarchy of three or more levels; and wherein means are provided for allowing access to the final level in the hierarchy by an automated task without passing through the one or more intervening levels is described.

Abstract: An automated bank teller machine (ATM) is provided which is characteristically easy to configure, regardless of whether a replenish-from-the-front (RFTF) configuration or a replenish-from-the-rear (RFTR) configuration is chosen. In particular, the ATM according to the present invention includes a security chest module, a top module, and an interface module. These components are common to both configurations can be built and stored in advance, and can be thereafter configured as desired. In another embodiment, an ATM is provided that permits more than one customer to use the ATM at the same time.

Abstract: This invention generally relates to a banking facility layout and a method and system for networked customer and other user interaction with a variety of functions. These functions include access to networks, such as the internet, email capability, options to view information on banking capabilities, access to home banking, and other electronically-related user functions. The invention incorporates a purpose-designed environment that can be integrated into a branch or other banking institution facility. The invention also includes a video wall feature that allows interaction by networked users; users may take control of portions of the wall and add selected information to these portions.