Abstract: A system and method for providing banking services associated with a plurality of financial institutions through a network of shared outlets branded with each participating financial institution, wherein each shared outlet comprising a plurality of shared self service terminals for providing the branded and proprietary services including the unique and specific services of each participating financial institution, wherein each shared self service terminal is adapted or adaptable to provide equal services for each participating financial institution. The invention offers each participating financial institution to expand its branded service delivery outlets to deliver its branded services including the routine and non-routine services at shared cost.

Abstract: A system generates and verifies signatures on hardcopy documents. A signor key is associated with a signor of a hardcopy document. A document signature is generated using the signor key to encode data selected from document data required to be on the hardcopy document. The document signature is then associated with the hardcopy document. A data indicator is also associated with the hardcopy document and indicates which of the document data is used to generate the document signature. A verification section receives the hardcopy document having the document data thereon, and also receives the document signature and the associated data indicator. The verification section performs a comparison to determine whether the document signature was generated using the signor key and the document data indicated by the data indicator.

Abstract: A system and method for performing transactions using transaction codes is described. An issuer apparatus issues transaction codes which are unique for particular types of transactions to a customer and stores the issued transaction codes in a database. A transaction apparatus selects a transaction code from the issued transaction codes and associates the transaction code with a document to perform a transaction. The transaction apparatus then performs the transaction using the document with the associated transaction code. A verification means of the issuer apparatus verifies the transaction by performing a comparison between the issued transaction code stored in the database and the transaction code associated with the document. The issuer apparatus modifies the transaction code in the database after positive verification of the transaction.

Abstract: A system and method for approving credit or debit card transactions is provided. Transaction data such as an amount of money to be settled is obtained by a cardholder. A digital signature of the cardholder is generated based on the transaction data, wherein the transaction data can additionally include a cardholder's reference number. The generated digital signature is included in the request for approval message. Accordingly, the received digital signature is verified by the card issuer to either approve or disapprove the transaction.

Abstract: A system generates and verifies signatures on hardcopy documents. A signor key is associated with a signor of a hardcopy document. A document signature is generated using the signor key to encode data selected from document data required to be on the hardcopy document. The document signature is then associated with the hardcopy document. A data indicator is also associated with the hardcopy document and indicates which of the document data is used to generate the document signature. A verification section receives the hardcopy document having the document data thereon, and also receives the document signature and the associated data indicator. The verification section performs a comparison to determine whether the document signature was generated using the signor key and the document data indicated by the data indicator.