Abstract: An apparatus that operates to cause financial transfers responsive to data read from data bearing records includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a touch screen display. The processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Data corresponding to a user input alphanumeric characters is resolved by the processor responsive to contact with an input surface of the touch screen display. The area of contact may not include any visible output indicia that corresponds to the possible input characters prior to contact.

Abstract: According to one embodiment of the present invention, a system accesses transaction documents. A unique code is generated for each transaction for one or more products, wherein the unique code is associated with a transaction document including transaction information and each product is associated with a product code. The system stores the unique code and corresponding one or more product codes associated with each transaction, and accesses one or more transaction documents based on an identifier of at least one product associated with a corresponding transaction of the one or more transaction documents. Embodiments of the present invention further include a method and computer program product for accessing transaction documents in substantially the same manners described above.

Abstract: A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable of communicating information to a magnetic stripe reader. Information used in validating a financial transaction is encrypted based on time such that a validating server requires receipt of the appropriate encrypted information for a period of time to validate a transaction for that period of time. Such dynamic information may be communicated using such an emulator such that a card may be swiped through a magnetic stripe reader—yet communicate different information based on time. An emulator may receive information as well as communicate information to a variety of receivers (e.g., an RFID receiver).

Abstract: A method and apparatus of reducing heat loss and cooling loss from a bank building caused by automatic teller machines, night drop vaults, and cash deal drawers. The abstract of the disclosure is submitted herewith as required by 37 C.F.R. §1.72(b). As stated in 37 C.F.R. §1.72(b): A brief abstract of the technical disclosure in the specification must commence on a separate sheet, preferably following the claims, under the heading “Abstract of the Disclosure.” The purpose of the abstract is to enable the Patent and Trademark Office and the public generally to determine quickly from a cursory inspection the nature and gist of the technical disclosure. The abstract shall not be used for interpreting the scope of the claims. Therefore, any statements made relating to the abstract are not intended to limit the claims in any manner and should not be interpreted as limiting the claims in any manner.

Abstract: A reconfigurable electronic payment device allows for the capture and transmission of customer transaction information captured from the “swipe” of an electronic payment tool, such as a credit or debit card or any such tool that includes a magnetic stripe upon which information can be stored and read from. The device provides a second housing with a reader head guide assembly, including a magnetic card reader adapter, which can be repositioned about a first housing of the electronic payment device. This repositioning capability can enhance the ease of use of the device and efficiency by which the swipe of a credit or debit card can be performed. The repositioning capability further promotes the mounting of the electronic payment device upon many different surfaces.

Abstract: A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.

Abstract: A traveler habitation language setting system, including a plurality of habitations, each habitation having at least one smart device having an active language, for use by a traveler having a native language and carrying a personal electronic device. Initially the system associates the personal electronic device of the traveler with one of the habitations. The system determines the native language of the traveler by contacting the personal electronic device and sets the active language of the smart device(s) for that habitation. Example habitations illustrated in the present disclosure include airplane seating locations that have seat back infotainment systems, and hotel rooms having television infotainment devices.

Abstract: Provided is an image recording system for recording an image on a thermally reversible recording medium held by a conveyed article conveyed on a predetermined conveying path in a predetermined conveying direction, including: a recording device provided on at least one side of the conveying path in a direction perpendicular to the conveying direction and configured to record an image on the thermally reversible recording medium of the conveyed article conveyed to a position facing the recording device by heating the thermally reversible recording medium. The image includes a scan image to be read by a reading device when the conveyed article is conveyed downstream in the conveying direction from the position facing the recording device. The recording device records the scan image on the thermally reversible recording medium within a former half of a recording time of the image.

Abstract: A coordination server of a contactless payment system may receive a total bill of purchases for a customer from a merchant point-of-sale terminal, associate the total bill of purchases with a unique identifier of an RFID tag of a check presenter, and receive notification that payment of the total bill of purchases is authorized. The coordination server may receive the unique identifier and payment information from a contactless-enabled device, and transmit the payment information and the total bill to the merchant point-of-sale terminal for transmittal to a merchant acquirer for completion of the transaction under business as usual standards. In one embodiment, the coordination server transmits the payment information and the total bill to a merchant acquirer, which then routes the payment request to an appropriate payment network. In another embodiment, the coordination server transmits the payment information and the total bill directly to the appropriate payment network.

Abstract: A system and method for providing a personalized shopping experience with a portable computing device (“PCD”) are described. The system and method may include checking-in PCD consumers upon entering an establishment of a merchant. The checking-in of the PCD consumer may include verifying credentials for gaining access to a central mobile payment controller and receiving a merchant identifier corresponding to a merchant from a computer communication's network. Next, a scan of a machine-readable code associated with at least one of a good and a service may be received. Information associated with the machine-readable code may be retrieved from a database. Subsequently, a personalized price for the at least one good or service may be determined by applying one or more rules. The personalized price may be transmitted over a computer communications network to the portable computing device for display to the PCD consumer.

Abstract: An apparatus for use in decoding a bar code symbol may include an image sensor integrated circuit having a plurality of pixels, timing and control circuitry for controlling an image sensor, gain circuitry for controlling gain, and analog to digital conversion circuitry for conversion of an analog signal to a digital signal. The apparatus may also include a PCB for mounting the image sensor integrated circuit and light source bank. The connection between the image sensor integrated circuit and/or light source bank and the PCB characterized by a plurality of wires connecting a plurality of bond pads and a plurality of contact pads, where the wires, bond pads, and contact pads provide electrical input/output and mechanical connections between the image sensor integrated circuit and the PCB. The apparatus may be operative for processing image signals generated by the image sensor integrated circuit for attempting to decode the bar code symbol.

Abstract: According to some embodiments, a business bar code application may execute at a mobile user device associated with a user. The user may initiate a capture of an image of a bar code, and responsive to said capturing, information about the user may be automatically fetched. Information associated with the bar code may be transmitted to a remote business bar code server. The business bar code server may automatically determine a business model associated with the received bar code information and interact with an enterprise system to execute a business process workflow for the user in accordance with the determined business model.

Abstract: In accordance with some embodiments, a method includes receiving, in a proximity coupling system, holder consent to provide a human understandable indication of an account balance associated with a payment account; and providing a human understandable indication of the account balance associated with the payment account via an output device, in response at least in part to the consent; wherein receiving holder consent comprises receiving holder consent provided via a proximity payment device associated with the payment account. In accordance with some embodiments, a method includes storing account data and preference data in a proximity payment device, the preference data indicative of a preferred method to provide a human understandable indication of an account balance.

Abstract: Systems and methods for reducing problems and disadvantages associated with providing a user-accessible card slot are provided. A removable card carrier a configured to mechanically interface an information handling system may include a body and a cover. The body may be adapted to hold a card. The cover may be movably coupled to the body such that exterior surfaces of the cover and the information handling system are substantially flush with each other when card carrier is disposed in the information handling system.

Abstract: The present invention is directed to a system and method for authorizing entry into a country using an inflight immigration card in conjunction with a remote card reader connected to a computer, wherein the card reader is configured for reading the inflight immigration card for accessing a user interface for processing inflight or at-sea while the traveler is en-route, the traveler's customs information and pre-determining the traveler's authorized entry status prior to the traveler's arrival at the port of entry, such that the holder of the inflight immigration card and his/her luggage are pre-approved and cleared prior to landing.

Abstract: Information handling systems personalized by addition of a physical component, such as lid having an emblem that attaches to a portable information handling system, have software associated with the physical component automatically applied by interacting with an entitlement network location. An identifier associated with the physical component is automatically read by the information handling system and sent to the entitlement network location to retrieve entitlements for the use of software at the information handling system.

Abstract: A card is provided, such as a credit card or security card, that may transmit information to a magnetic stripe reader via a magnetic emulator. The emulator may transmit the information serially in order to reduce the amount of circuitry needed to emulate a particular block of information. Additionally, for example, a serial encoder may send any amount of information through a single emulation segment. Such a magnetic emulator may be provided on a credit card. A dynamic credit card number may be provided by, for example, coding a number with a different coding scheme for different periods of time. The magnetic emulator may be utilized to transmit a particular coded number for a particular period of time. In this manner, a dynamic credit card number may be provided such that to help secure, and progress, a payment transaction.

Abstract: A method and system for providing a user of a wireless communication device (WCD) with vending service. The WCD may present the user with data indicating items available for purchase from a vendor. The WCD may then receive the user's directive to order an item from the vendor. In response, the WCD may obtain data stored at a transponder in proximity to the WCD that indicates a location of the WCD. In one example, the transponder may be at a fixed location, such as by being affixed to a fixed object at a venue (e.g., a stadium seat), in which case the stored data may indicate the fixed location. The WCD may then send an order for the item and the obtained data to the vendor. In turn, the vendor may use the data to determine a location of the WCD and then deliver the item to the determined location.

Abstract: A method and system is provided for facilitating ticket exchange by validating ticket authenticity. Images of the barcodes of tickets are captured and decoded so that the encoded ticket information may be analyzed. Encoded ticket information is compared to event ticket information stored in a ticketing database, and the result is transmitted to prospective buyers to ensure authenticity and establish confidence in the sale. Tickets may also be pre-validated by ticket holders or designated sellers of ticketing companies, who are located near the event venue. Buyers interested in purchasing tickets may locate pre-validated tickets using GPS.

Abstract: Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is communicatively coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computer's display, or may display the value to the user using the computer's display.