Abstract: A system includes persistent storage containing data used by software applications, and a server application configured to perform operations, including identifying a subset of the data, where the subset is used to generate a full offline payload for a particular software application and that includes user interface (UI) components selected for the particular software application based on the subset of the data. The operations also include monitoring the subset of the data to identify a modification to particular data and, based on identifying the modification, generating a partial offline payload based on the particular data as modified, where the partial offline payload includes a subset of the UI components, and where each UI component of the subset is updated based on the particular data as modified. The operations further include receiving a request for the partial offline payload and, based on receiving the request, transmitting the partial offline payload.

Abstract: One embodiment of the present invention provides a means of securitization of life settlement contracts using a method of stripping the death benefit asset from the premium liabilities by producing a Stripped Collateralized Life Settlement Obligation. Another embodiment of the present invention provides a means of securitizing life insurance contracts using a method of stripping the death benefit asset from the premium liabilities by producing a Stripped Collateralized Life Insurance Obligation.

Abstract: The present invention relates to a sending method of pay contents in a communication system which carry out communication through predetermined communication network (e.g., radiotelephone network or the like) using a predetermined first communication scheme (e.g., CDMA scheme or the like). The sending method includes radio terminals which carry out peer-to-peer communication using a predetermined second communication scheme (e.g., infrared communication, communication adhering to Bluetooth standards), and a carrier which carries out communication using the first communication scheme with each of the terminals. When pay contents possessed by a first radio terminal are transferred to a second radio terminal, first, permission of transfer of the pay contents to the second radio terminal is received from a carrier and then, the pay contents are transferred. After the pay contents are transferred to the second radio terminal, the carrier is informed of completion of transfer operation.

Abstract: Method for transferring an electronic sum of money from a credit memory associated with a money sender to an account or to a credit memory associated with a money receiver via a telecommunications and data network in real time, the necessary connections being set up via a transaction server.

Abstract: An automated banking machine (10) includes a lockable first fascia portion (20) which when unlocked enables access to a chest lock input device (104), inputs to which enable opening a chest door (18) of the machine. Opening the first fascia portion also enables access to an actuator (116) which enables moving a second fascia portion (22) for conducting service activities. A controller (72) in the machine selectively illuminates light emitting devices (118, 126) for purposes of facilitating user operation of the machine. Sensing devices (128) adjacent a card reader slot (28) on the machine enables the controller to detect the presence of unauthorized card reading devices. Servicing the machine is facilitated through use of a portable diagnostic article (98) which enables the controller to access diagnostic data stored in memory and which provides data indicative of the significance of the diagnostic data.

Abstract: A diagnostic server software component for an automated banking machine is provided. The diagnostic server is operative to periodically retrieve diagnostic messages from a nonvolatile memory of the machine and store the diagnostic messages on the hard drive of the machine. The software is further operative responsive to communication from an external computing device to send diagnostic messages stored on the hard drive to an external computing device. The software may further be operative to route transaction diagnostic messages between the machine and a remote host banking system. The software may retrieve the diagnostic messages directly from a specified memory address of the nonvolatile memory. The software may periodically communicate with terminal control software of the machine to cause the terminal control software to retrieve the diagnostic messages from the nonvolatile memory.

Abstract: This invention relates to the electronic distribution of business card information. There is provided a method and apparatus for distributing smart card information comprising the steps of: acquiring electronic information from a first smart card; acquiring an electronic address from a second smart card; and sending the information from the first smart card to the electronic address of the second card. This allows electronic information from one smart card to be sent to an e-mail location contained on another smart card without the e-mail location of the second smart card being manually entered by the card carrier.

Abstract: An enhanced network monitor system (30) processes event messages and command response messages from automated banking machines such as ATM terminals (36). Both message types are assigned a single transaction code. The system includes an application program (34) in which the event messages and command response messages are processed in a host computer by parallel message processing regions (52, 54, 56). A modified VTAM communications protocol enables the application to control sequencing of messages generated by the ATM terminals. This enables both event messages and command response messages to be run in a response mode. The transaction processing limit for the parallel message processing regions may be set to a maximum value. The parallel message processing regions run the single transaction repeatedly without reloading which increases the rate at which messages are handled.

Abstract: A fueling system for conducting a transaction with a prepaid remote communication unit. The system includes wireless communication electronics for communicating with a remote communication unit, a dispenser and customer interface for conducting a transaction and accepting payment, and a control system. The control system is adapted to determine a value correlating to payment made by a customer, effect storage of the value in association with the remote communication unit, communicate with the remote communications unit subsequent to effecting storage of the value and deduct the value of an amount of a transaction associated with the communications unit to effect payment.

Abstract: A method for implementing an electronic cash system with a surveillance institution, in which a user sends a request for the issuance of electronic cash of a face value X to a bank together with user information U and a user signature verification key N.sub.U, and the bank stores a pair of data X and N.sub.U in the user database in correspondence with the user information U and sends the pair of data to the surveillance institution, while at the same time the bank generates and sends a signature S.sub.B (X,N.sub.U) for the data (X,N.sub.U) to the user. The surveillance institution registers the data (X,N.sub.U) in a surveillance database in correspondence with the total amount of payments Y. The user sends to a shop the amount of payment y, the face value X, the signature verification key N.sub.U and the signature S.sub.B (X,N.sub.U), along with a signature S.sub.U (e,y) for challenge information e received from the shop. The shop verifies the signatures S.sub.B (X,N.sub.U) and S.sub.

Abstract: An unattended banking machine such as an ATM machine has a payment acceptor for accepting payment from the machine user and for determining the amount of payment from the user. A calculator determines the transactional difference between the amount of the transaction and the payment by the user. In ATM machines service fees may be charged to the ATM user for issuing a money order or for a wire transfer that are not in even multiples of the smallest denomination of the currency being dispensed by the ATM machine. The preferred cash dispenser has only bills of different denominations and no coins. To pay the transactional difference without the use of very small denomination currency and/or coins the transactional difference is divided into a cash payment portion which is dispensed in bills from the machine's cash dispenser.

Abstract: A credit inquiry service system for inquiring about the credit standing of a check or credit card uses subscriber lines of a public communication network. The system includes credit inquiry terminals connected to the subscriber lines for generating and transmitting an inquiry request message requesting information regarding the credit standing of the check or credit card. The credit inquiry terminals also receive an inquiry result message corresponding to the inquiry request message via the subscriber lines. The system further includes a line multiplex device for one by one serially selecting the subscriber lines connected to the credit inquiry terminals, receiving the inquiry request message from one of the credit inquiry terminals connected to a selected subscriber line, and transmitting the inquiry result message corresponding to the inquiry request message to the corresponding credit inquiry terminal.

Abstract: A remote dial-up ATM system having a host emulator located proximate to an ATM and directly connected thereto, separated by a dial-up telephone connection, from an ATM emulator located proximate to the host and directly connected thereto. The host emulator maintains the on-line status of the ATM at the ATM site. The ATM emulator maintains the on-line status of the host. This configuration creates a virtual dedicated circuit linking the ATM and the host via a dial-up telephone connection.

Abstract: A system and process for providing financial services via video in real time to a customer at one of a plurality of remote locations from one of a plurality of personal bankers at a central location via a video self-service device.

Abstract: A hardware device known as a RICH coupler which works between an IC card and its corresponding terminal system. The function of the RICH coupler depends upon its position. Between the card level and the system level there is a third independent level, the coupler. The card level and the system level are involved in the specific card application. The coupler level is application independent. The present invention provides an application independent RICH coupler which works like a supervisor between the applications on the card level and the applications on the system level.

Abstract: A data transmission arrangement for a portable data storage medium, in which messages are transmitted between an external device and a portable data storage medium at a plurality of times in response to one readout command output from the external device. When malfunction occurs during the processing in the portable data storage medium, the portable data storage medium outputs an abnormality response to the external device, and then receives a continuous data demand command from the external device. Thereafter, a status data different from the status data included in the first message is sent from the portable data storage medium to the external device. The external device recognizes this sent status data. Thereafter, the data transmission started in response to one readout command is not discontinued and additional data continuous to be transmitted.

Abstract: A credit authorization terminal (CAT), when communication processing is performed between the CAT and a host computer to perform settlement processing for one customer, performs input processing of information concerning settlement for the next customer in parallel with the communication processing. The CAT can continuously perform input processing of information concerning settlement for a plurality of customers. The CAT continues to perform communication processing to perform settlement processing for one customer without hanging up a line between the CAT and the host computer, when communication processing is terminated for the previous customer.

Abstract: A check processing device is particularly adapted for retailer/customer use at the point-of-sale through use of a MICR read head means, printer means and keypad means which feed information into a CPU which communicates, through an existing telecommunication system, with the customer's bank and the retailer's bank in order to transfer funds from the account of the customer to the account of the retailer.

Abstract: A card authorization terminal in which a plurality of CATs (card authorization terminals) are connected to a data transmission line. At least one of the CATs comprises: a memory from/into which data can be read out and written; a data transmitting circuit to transmit and receive the data through the data transmission line; a transmission instructing device through which an operator instructs transmission of data to another designated CAT; and a controller for reading out the storage data from the memory in response to an output of the transmission instructing device, and for transmitting the read out data to the designated CAT by the transmitting circuit. The designated CAT includes a controller for storing the reception data into the memory in response to the reception of the data transmitted from the one CAT.

Abstract: A point-of-sale credit card verifier for checking the validity of cards, such as credit cards, comprises means for non-destructively storing information on invalid credit cards for comparison with information which is read from a card presented for use. The information on invalid credit cards is transmitted by signals embedded in a VHF stereo radio broadcast from a broadcast station which is received by a VHF receiver/demodulator. A credit card sensor and control maintains the verifier switched off unless a credit card is to be read. The verifier is switched on when information is about to be broadcast from a broadcast station. The verifier operates quickly and independently of telecommunications networks.