Abstract: A handicap-accessible ATM is provided. An ATM including a display screen and at least one lifting mechanism. In certain embodiments of the invention, the lifting mechanism operates to change the vertical height of the display screen relative to the user eyes.

Abstract: Embodiments of the invention relate to apparatuses, methods, and computer program products for collecting and managing receipts arising out of financial transactions. More particularly, embodiments of the present invention relate to apparatuses, methods, and computer program products for collecting electronic receipts by receiving an electronic indication of a transaction between a vendor and a consumer, receiving an electronic indication from the consumer that the consumer desires to have an electronic receipt resulting from the transaction electronically transmitted to a financial institution, and permitting electronic transmission of the electronic receipt to the financial institution.

Abstract: Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction.