Abstract: A system and method for processing transactions using a multi-account transaction device. The method comprises the steps of: receiving at least one transaction particular relating to a transaction conducted with a multi-account transaction device; determining at least one first desired account associated with the multi-account transaction device to which the transaction will be posted; posting the transaction to the at least one first desired account; receiving at least one second desired account to which at least a portion of the transaction should be posted; posting the at least a portion of the transaction to the at least one second desired account; and reconciling the at least one first desired account.

Abstract: A card comprises a body with a precut microcircuit card, characterized in that a token is also precut in the body of the card, adjacent to the microcircuit card.

Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or placing holds on deposit items.

Abstract: A method for combating counterfeiting and gray market is provided, the method including the steps of accessing a web platform comprising a network-connected server on which software that provides functionalities for the method executes, generating a unique identifier (“UID”) for every product unit being produced by a manufacturer, saving the UID in a database that is part of the web platform, communicating the UID to the manufacturer, associating the UID with a product unit such that the UID is hidden; verifying the authenticity of the UID, and, sending a message from the web platform indicating whether or not the verified UID is authentic.

Abstract: A security device is removably affixable to an article. The security device includes a housing having a securing pad, a locking element and a strap. The locking element is disposed within the housing. The strap includes a first end having a latching region that is insertable into the housing and a second end having a securing region. The strap is slidingly movable between an open position and a locked position. The locking element engages with the latching region of the strap. An eccentrically mounted wheel may be mounted on one of the securing region of the strap and the securing pad. When in the locked position, the eccentrically mounted wheel secures the article between the securing pad and the securing region of the strap.

Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.

Abstract: An automated banking machine operates to cause financial transfers responsive to data bearing records. The automated banking machine includes a card reader that is operative to read data from user cards corresponding to a financial account. The automated banking machine further includes a sheet accepting device that is operative to receive at least one of notes and checks. A note acceptor includes at least one validator that includes at least one ultrasonic detector. The at least one validator is operative to identify suspect counterfeit notes produced by assembling pieces of genuine notes by identifying seams or other fastening features in the notes where such pieces are joined. The note validator may further include image sensors and/or radiation transmission sensors which are further usable to identify the presence of seams or other fastening features that can distinguish valid and suspect counterfeit notes.

Abstract: Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.

Abstract: An apparatus and methods securely activate a credit or debit card for a single purchase, a predetermined amount of time, or a predetermined amount of purchases in a predetermined amount of time, while utilizing a portable phone, especially a cell phone, having a card reader. Only transactions using the electronic telephone number and electronic serial number of the cell phone being used, along with preselected information identifying the owner of a swiped card will be authorized to perform credit and debit card transactions, thus providing secured transactions. Current card magnetic strips and possibly magnetic or other type of strips that are smaller in size and closer to the edge of the credit or debit card are serviced.

Abstract: A barcode reading apparatus and method in which the spectrum of a probe light is first Fourier-transformed into space, directed upon a barcode, and then Fourier-transformed converting the spectrally encoded barcode pattern to a time domain waveform. In one implementation, the Fourier transformation from the spectrum domain into a spatial domain is performed by a dispersive element, while the Fourier transformation from the spectrally encoded barcode pattern to a time domain waveform is performed by group-velocity dispersion (GVD). The temporally encoded barcode pattern is detected by a photodetector, digitized by a digitizer, and analyzed by a digital signal processor. The invention is applicable to a number of fields which involve the reading of one- and two-dimensional barcodes, displacement sensing, surface measurements, measurement of width and gap, flow cytometry, reading of optical media, presence or absence detection, and other related fields.

Abstract: A chip card module including a substrate with a first side and an opposite second side. Contact areas are arranged on the first side, and a first conductor structure is arranged on the second side, the first conductor structure runs from one contact region to one of a another contact region and a second conductor structure, which is connected to the contact areas by means of a through connection in the substrate, so that the first conductor structure runs at least partly in a central region. The chip card module also includes a chip with connections which are arranged over the central region on the second side of the substrate, one of the connections being connected to the one contact region.

Abstract: A transaction product includes an enclosure, an account identifier and an electrical circuit. The enclosure defines an aperture. The account identifier is at least one of connected to or enclosed within the enclosure and links the transaction product to an account or record. The account identifier is machine readable. The electrical circuit includes a flexible circuit member, wherein the flexible circuit member extends through the aperture defined by the enclosure such that a first portion of the flexible circuit member is coupled to an outside surface of the enclosure and a second portion of the flexible circuit member is positioned inside the enclosure. Other cards, products, assemblies and methods of using such cards, products and assemblies are also disclosed.

Abstract: The present invention relates to a method of enhancing document security for documents of the type each comprising a print medium on which is printed personalizing information, this printed medium being laminated between two laminates that are at least partially transparent, this method rendering any forging of these documents by ungluing the laminates ineffective, and it is characterized in that at least one additional phantom personalizing image is printed on at least one of the laminates.

Abstract: A verifier imaging unit structured with a movably mounted imaging device, housed within a housing of the imaging unit, such that the orientation of the imaging device may be altered so that the imaging device may be placed in one of a number of available and pre-established imaging orientations. Each available imaging orientation has an associated imaging window, and a support surface provided about or proximate to the imaging window. The imaging window and support surface enable the placing, distancing, and generally proper locating of a data carrying graphical symbol for subsequent imaging and data collection activities. This abstract is provided to comply with rules requiring abstracts, and is submitted with the intention that it will not be used to interpret or limit the scope and meaning of the claims.

Abstract: Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is 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 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.

Abstract: A display unit displays information in a fitting room. An operation input unit receives operation input of information in the fitting room. An RFID reader writer performs radio communication with an RFID tag, which is attached to a commodity and stores data of a commodity ID for identifying the commodity, and sets a radio communication range in the inside of the fitting room.

Abstract: Embodiments relate to a tag device, a reader device, and a radio frequency identification (RFID) system. The Q embodiment provides a tag device comprising: a reception module converting a received high frequency signal into a scale level, and Q converting the converted scale level into a digital signal to output the same; a transmission module modulating a transmission signal M to output the same; and a controller controlling the reception module and the transmission module. The tag device communicates with the reader device through wireless short distance communication.

Abstract: An automated banking machine (10) operates responsive to data bearing records. Users of the machine may deliver and receive records including individual sheets and stacks of sheets to and from the machine such as notes, checks, or other documents. Notes assessed by the machine as being of questionable validity may be marked with a removable mark or otherwise identified.

Abstract: In general, the invention relates to a system that includes a smart phone and a smart card. The smart phone includes a web browser and a display for displaying a web page, where the web page includes at least one selectable entry. The smart card includes at least one proactive logic entity, where the at least one proactive logic entity is configured to respond to selection of the at least one selectable on the web page.

Abstract: A method of decoding a two-dimensional enhanced-density barcode. A first and a second barcode are encoded in the enhanced-density barcode. The enhanced-density barcode includes a set of blocks. Each block includes a predefined number of sub-pixels. The blocks of the enhanced-density barcode being arranged relatively to each other in a geometrical lattice having a first and a second lattice direction. The method includes the steps of distorting of the enhanced-density barcode in the first lattice direction, resulting in a first distorted barcode, distorting of the enhanced-density barcode in the second lattice direction, resulting in a second distorted barcode, reconstructing the first barcode by low-pass filtering the first distorted barcode, reconstructing the second barcode by low-pass filtering the second distorted barcode.