Banking Patents (Class 283/57)
  • Patent number: 10302577
    Abstract: The present invention relates to the use of non-deactivatable security compositions comprising the combination of at least two types of particles of oxide materials, where said particles have a different size and/or morphology, and where the inorganic oxide materials have at least one transition metal or one lanthanide element, and radiofrequency wave absorption properties. The invention also relates to security articles, documents or elements incorporating these compositions, as well as to a method and to a system for detection thereof.
    Type: Grant
    Filed: January 12, 2017
    Date of Patent: May 28, 2019
    Assignees: FABRICA NACIONAL DE MONEDA Y TIMBRE-REAL CASA DE LA MONEDA, CONSEJO SUPERIOR DE INVESTIGACIONES CIENTIFICAS, C.S.I.C.
    Inventors: Vicente Garcia Juez, Jose Francisco Fernandez Lozano, Javier Gamo Aranda, Miguel Angel Rodriguez Barbero, Juan Jose Romero Fanego
  • Patent number: 10049057
    Abstract: A processor includes a front end to receive an encrypted instruction sequence. The processor also includes a decoder including logic to identify a encrypted command from a packet in the encrypted instruction sequence, logic to identify a key index from the packet, logic to determine an encrypted opcode lookup table with the key index, logic to look up a decoded opcode from the encrypted opcode lookup table based upon the key index, and logic to forward the decoded opcode for execution.
    Type: Grant
    Filed: December 18, 2015
    Date of Patent: August 14, 2018
    Assignee: Intel Corporation
    Inventors: Imran Desai, Elmoustapha Ould-Ahmed-Vall
  • Patent number: 9937743
    Abstract: A document and an Anti-counterfeiting method for use in such documents are described. Said document and Anti-counterfeiting method include introducing a plurality of raised nanoscopic to microscopic structures, here referred to as reconfigurable structures, formed over a polymer substrate to induce optical changes, such as structural color and/or optical fuzziness. Dynamic changes using liquids provide the anti-counterfeiting measures.
    Type: Grant
    Filed: May 31, 2013
    Date of Patent: April 10, 2018
    Assignee: President and Fellows of Harvard College
    Inventors: Joanna Aizenberg, Tak Sing Wong, Sung Hoon Kang, Ximin He
  • Patent number: 9581557
    Abstract: The present invention relates to the use of non-deactivatable security compositions comprising the combination of at least two types of particles of oxide materials, where said particles have a different size and/or morphology, and where the inorganic oxide materials have at least one transition metal or one lanthanide element, and radiofrequency wave absorption properties. The invention also relates to security articles, documents or elements incorporating these compositions, as well as to a method and to a system for detection thereof.
    Type: Grant
    Filed: March 30, 2012
    Date of Patent: February 28, 2017
    Assignees: Fabrica Nacional De Moneda Y Timbre-Real Casa De La Moneda, Consejo Superior De Investigaciones Cientificas, C.S.I.C.
    Inventors: Vicente Garcia Juez, Jose Francisco Fernandez Lozano, Javier Gamo Aranda, Miguel Angel Rodriguez Barbero, Juan José Romero Fanego
  • Patent number: 9498947
    Abstract: A method for creating a tamper-evident label is described. Embodiments of the method or process typically include four steps. In a first step, an ultraviolet cured ink mask can be printed onto a substrate by an inkjet printer. In a second step, once the printing is done and the mask has been formed, the substrate can be anodized in a weakened anodizing bath. In a third step, the ultraviolet cured ink can be removed from the substrate leaving a portion of the substrate unanodized. To remove the ultraviolet cured ink, the substrate can be heated to an elevated temperature and a cleaning solution and/or solvent can be applied to the ultraviolet cured ink mask. In a fourth step, the substrate can be anodized for a second time.
    Type: Grant
    Filed: August 17, 2015
    Date of Patent: November 22, 2016
    Inventor: Robert C. Jordan
  • Patent number: 9256866
    Abstract: A method for enabling a driver's license to be used as a credit account, including: accessing data from a scanned bar code of a driver's license; comparing the accessed data from the scanned bar code to a store of information comprising a stored set of profile information; based on the comparing, determining if a match between the accessed data and a stored set of profile information exists, and identifying a matched stored set of profile information; identifying a customer credit account, of the customer credit account information, linked to the matched stored set of profile information; generating an credit verification for the customer, such that, as to the customer, a particular transactional activity is allowed to be processed using the identified customer credit account.
    Type: Grant
    Filed: March 3, 2015
    Date of Patent: February 9, 2016
    Assignee: Comenity LLC
    Inventor: Tim Pontious
  • Patent number: 8896501
    Abstract: The invention relates to a security element for the identification of a security document, in particular a banknote, a valuable paper or a paper document, comprising at least one electrically controllable display element and at least one piezoelectric energy source which controls the at least one display element. The security element is formed by a flexible multilayered film body comprising the at least one electrically controllable display element containing a display layer having liquid crystals that can be oriented in an electric field, and comprising the at least one piezoelectric energy source which controls the at least one display element and has at least one layer composed of piezoelectric material, wherein the security element has a thickness of at most 70 ?m in a direction perpendicular to the plane of the film body.
    Type: Grant
    Filed: September 16, 2008
    Date of Patent: November 25, 2014
    Assignee: Poly IC GmbH & Co. KG
    Inventors: Rainer Stahl, Gerrit Hackl, Steffen Weiss, Klaus Ludwig, Johannes Schad
  • Patent number: 8743425
    Abstract: A method for using void pantographs involves generating a test sheet including multiple void pantographs, where each of the multiple void pantographs includes a pantograph foreground and a pantograph background. The test sheet is printed, and from the printed test sheet, at least one of the multiple void pantographs having a covert or semi-covert pantograph foreground and background is identified. The printed test sheet is scanned, and from the scanned test sheet, at least one of the multiple void pantographs having an overt pantograph foreground is identified. A workflow is developed for the at least one of the multiple void pantographs having both i) the covert or semi-covert pantograph foreground and background after printing, and ii) the overt pantograph foreground after scanning.
    Type: Grant
    Filed: February 26, 2009
    Date of Patent: June 3, 2014
    Assignee: Hewlett-Packard Development Company, L.P.
    Inventors: Steven J. Simske, Malgorzata M. Sturgill, Jason S. Aronoff
  • Patent number: 8738452
    Abstract: A method, system, and medium are provided for processing multiple items for retail sale via a single retailer action. Upon scanning a machine-readable marking that is associated with multiple items provided by various vendors, a marking identifier associated with the machine-readable marking is recognized. The marking identifier corresponds with each price of the multiple items. Each price of the multiple items is presented to a consumer for payment that can be disbursed to the appropriate vendors.
    Type: Grant
    Filed: November 30, 2010
    Date of Patent: May 27, 2014
    Assignee: Hallmark Cards, Incorporated
    Inventor: Susan L. Fowler
  • Patent number: 8684417
    Abstract: The invention relates to a security element comprising a carrier substrate comprising a transparent or translucent area carrying at least one digitised mark made of at least one set of dots appearing as a three dimensional mark when viewed in transmitted light. The invention relates to a security support or document or article comprising the said security element and to the method of identification and/or authentication of this security support or document or article.
    Type: Grant
    Filed: December 22, 2005
    Date of Patent: April 1, 2014
    Assignees: Arjowiggins Security, Hueck Follien Gesellschaft m.b.H
    Inventors: Stephane Mallol, Nathalie Vast, Eveline Wagner, Matthias Muller
  • Publication number: 20140083473
    Abstract: Self-cleaning banknotes are provided using coatings, inks and additives which are photo-active and catalytic to reactions which are effective in breaking up organic contaminants or dirt to allow for the self-cleaning of banknotes by ambient light exposure as well as the cleaning of processed banknotes using equipment with more intense optical excitation, thus increasing their usable life. The invention is usable with all substrates and particularly polymeric substrates such as biaxially-oriented polypropylene (BOPP). The invention further discloses a system which allows a certain class of fitness parameters to cause these banknotes to be redirected to a cleaning module, be reevaluated, and then either returned to circulation or rejected and/or destroyed. In addition, inks which are photo-catalytic can be used for extending the life of the banknotes in printed regions.
    Type: Application
    Filed: September 24, 2012
    Publication date: March 27, 2014
    Applicant: Spectra Systems Corporation
    Inventor: Nabil Lawandy
  • Patent number: 8682772
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive risk assessments, evaluations, and/or financial metrics associated with a candidate insurable risk.
    Type: Grant
    Filed: October 12, 2010
    Date of Patent: March 25, 2014
    Assignee: Insight Catastrophe Group, LLC
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 8675261
    Abstract: Methods of manufacturing a security element for a security document include: a first portion of the security document, the first portion of the security document having at least one aperture therethrough, the or each aperture being defined by an internal surface of the first portion of the document; and either printing through the first portion of the security document such that ink is deposited onto at least a part of the internal surface of the at least one aperture, or printing through the first portion of the security document onto a second portion of the security document provided behind the first portion of the security document, such that ink is deposited onto at least a part of the second portion of the security document aligned with the at least one aperture.
    Type: Grant
    Filed: August 3, 2009
    Date of Patent: March 18, 2014
    Assignee: De La Rue International Limited
    Inventor: Stephen Banister Green
  • Patent number: 8672360
    Abstract: A tactile orientation indicator is positioned along the periphery of a bill, and a tactile denomination indicator is positioned elsewhere along the periphery of the bill. The user of the bill may then use their tactile senses to feel along the edges of the bill to orient the bill to a pre-determined orientation based on the location of the orientation indicator. The user then feels along the periphery of the bill to locate the denomination indicator. Using a predetermined system associating the location of the denomination indicator with a particular bill denomination, the user may then identify the denomination of the bill even if blind or otherwise visually impaired.
    Type: Grant
    Filed: December 21, 2009
    Date of Patent: March 18, 2014
    Inventor: George Fracek
  • Patent number: 8658273
    Abstract: The invention relates to a coated sheet of security paper which includes security elements and has a high print rendition and a high resistance to circulation, which sheet is characterized in that at least one of its sides is coated with a transparent or translucent coating comprising at least one colloidal silica and at least one transparent or translucent elastomeric binder. In particular, the binder is a polyurethane. The invention also relates to the process for manufacturing the said sheet and to a banknote obtained from this sheet.
    Type: Grant
    Filed: September 10, 2001
    Date of Patent: February 25, 2014
    Assignee: Arjowiggins Security
    Inventor: Henri Rosset
  • Patent number: 8635140
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive a quote indicative of a price for binding an insurance policy to the candidate risk.
    Type: Grant
    Filed: September 29, 2010
    Date of Patent: January 21, 2014
    Assignee: Insight Catastrophe Group, LLC
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 8573651
    Abstract: The invention provides a thread and counterfeit preventive paper satisfying the conditions that, when the micro-character of the thread is viewed from one side and opposite side of the paper or printed material, the image of micro-character can be recognized in the same direction from any side, not in opposite direction to each other, and that, when viewed from the opposite side, the image of the corresponding micro-character is not visible. The counterfeit preventive paper and counterfeit preventive printed material have a structure in which a thread having metal deposition layers formed in a pattern of micro-character and colored printed layers formed thereon provided on both sides of a strip-like and light permeable substrate is inserted between paper layers.
    Type: Grant
    Filed: January 11, 2008
    Date of Patent: November 5, 2013
    Assignee: Toppan Printing Co., Ltd.
    Inventors: Kanako Seki, Makoto Maehira, Toru Murakami, Takashi Shimamura
  • Patent number: 8557368
    Abstract: A document comprising a substrate with a surface having cellulose hydroxy groups, an adhesion promoter present on at least a first portion of the substrate surface, and a magnetic ink image formed over the first portion of the substrate surface. The adhesion promoter comprises a silane component including at least one amino functional group and at least one of a second type of functional group that is configured to bond with cellulose hydroxyl groups in the substrate. The magnetic ink image has a magnetic signal strength of at least 80%. A corresponding printing system and a method of printing also are disclosed.
    Type: Grant
    Filed: November 2, 2007
    Date of Patent: October 15, 2013
    Assignee: Xerox Corporation
    Inventors: Kurt I. Halfyard, T. Brian McAneney, Xan-Xing Hu, Edward Zwartz, GuiQin Song, Santokh Singh Badesha, Gordon Sisler
  • Patent number: 8540813
    Abstract: An ink for the engraved copperplate intaglio printing inks is disclosed, which comprises high-molecular-weight dendritic polymer as a binder component. Inks comprising such polymer can be formulated so as to contain a significantly reduced amount of organic solvent (volatile organic components, VOC) while still being in the appropriate viscosity range required by the intaglio printing process. The printed and cured intaglio ink of the present invention has improved chemical and mechanical resistance properties.
    Type: Grant
    Filed: June 23, 2009
    Date of Patent: September 24, 2013
    Assignee: Sicpa Holding SA
    Inventors: Anne Grosset, Olivier Lefèbvre, Christophe Schaller, Nicolas Trachsel, Patrick Magnin, Patrick Veya
  • Patent number: 8538853
    Abstract: A method of settling trades includes the steps of obtaining an authenticated delivery instrument, wherein the authenticated delivery instrument is authenticated by a first exchange and may be used to settle a trade undertaken on the first exchange. An electronic proxy is issued for the delivery instrument, wherein the electronic proxy may be exchanged for the authenticated delivery instrument and where the electronic proxy is used to settle a trade undertaken on a second exchange.
    Type: Grant
    Filed: January 8, 2013
    Date of Patent: September 17, 2013
    Assignee: Chicago Mercantile Exchange Inc.
    Inventor: Joseph E. Hawrysz
  • Patent number: 8538868
    Abstract: A system and method of preparing a transfer document for a client to transfer services provided by counterparties that require recurring transactions using a first account to use a second account is provided. A cashflow analysis for the first account and a cashflow analysis for the second account are performed to determine for each counterparty and each service the desired date to effect the transfer to avoid undesirable cashflow spikes or interruptions in both accounts. A transfer document for transferring services requiring recurring transactions for each counterparty is electronically generated via at least one computer. Each transfer document identifies at least the service to be transferred, the client, the second account, the desired date for the transfer and proof of authorization from the client. A replica of an account document selected according to the service being transferred and the second account is included on the transfer document.
    Type: Grant
    Filed: November 14, 2011
    Date of Patent: September 17, 2013
    Assignee: D+H Limited Partnership
    Inventors: Serge Rivest, Michael King, Richard Clark
  • Patent number: 8523235
    Abstract: A cash and check automatic depositing apparatus is capable of automatically depositing a bundle of cashes and checks inserted at once. The apparatus includes a bundle insertion opening for allowing a user to deposit or receive therethrough a bundle of cashes and checks, and a bundle separator for separating the banknotes inserted through the bundle insertion opening one by one. The separated banknotes are automatically transferred one by one and verified to check authenticity or abnormality thereof. Further, the banknotes are transferred onto an authentic check transfer path and an authentic cash transfer path to be separately stored in storage cassettes.
    Type: Grant
    Filed: October 27, 2006
    Date of Patent: September 3, 2013
    Assignee: Nautilus Hyosung Inc.
    Inventors: Jae Hoon Kwak, Woo Ho Lee
  • Patent number: 8442893
    Abstract: The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk evaluation product builder, which allows users to manipulate visual tools to generate a data-structure comprising an embodiment of a risk rating scheme and insurance quoting product.
    Type: Grant
    Filed: September 27, 2010
    Date of Patent: May 14, 2013
    Assignee: Insight Catastrophe Solutions, LLC
    Inventors: Richard Ziade, Terrence McLean
  • Patent number: 8409705
    Abstract: Fibers having a plurality of colored regions printed on front and rear sides of said fiber are disclosed, wherein the colors are visible only under ultra-violet light. The regions may be in the form of stripes or may be arranged in a pseudo-random pattern. The regions may be differently colored. Such fibers can be incorporated into paper products as a form of counterfeit protection.
    Type: Grant
    Filed: January 17, 2012
    Date of Patent: April 2, 2013
    Assignee: D.W. Spinks (Embossing) Ltd.
    Inventor: Gary D Spinks
  • Patent number: 8382163
    Abstract: The invention relates to documents of value, such as bank notes, checks, passports, ID cards or the like, with increased fitness for circulation, to a security paper for producing them, and to a method for producing said security paper and such documents of value.
    Type: Grant
    Filed: September 26, 2002
    Date of Patent: February 26, 2013
    Assignee: Giesecke & Devrient GmbH
    Inventors: Michael Boehm, Reinhard Plaschka, Friedrich Kretschmar
  • Patent number: 8370246
    Abstract: A method of settling trades includes the steps of obtaining an authenticated delivery instrument, wherein the authenticated delivery instrument is authenticated by a first exchange and may be used to settle a trade undertaken on the first exchange. An electronic proxy is issued for the delivery instrument, wherein the electronic proxy may be exchanged for the authenticated delivery instrument and where the electronic proxy is used to settle a trade undertaken on a second exchange.
    Type: Grant
    Filed: November 17, 2011
    Date of Patent: February 5, 2013
    Assignee: Chicago Mercantile Exchange Inc.
    Inventor: Joseph E. Hawrysz
  • Patent number: 8333870
    Abstract: The invention relates to a security paper for producing value documents, such as bank notes or the like, which includes a creasable, multilayer substrate having at least one paper layer and at least one film, and to a method for producing such a security paper.
    Type: Grant
    Filed: September 18, 2003
    Date of Patent: December 18, 2012
    Assignee: Giesecke & Devrient GmbH
    Inventors: Theo Burchard, Mario Keller, Reinhard Tauber, Rudolf Seidler
  • Patent number: 8329777
    Abstract: A value document, such as a banknote, is printed using a printing ink or varnish comprising an aqueous dispersion of a preferably aliphatic polycarbonate polyurethane and/or a polyether or polyester polycarbonate polyurethane copolymer having a particle size range from 10 to 400 nm and an acid value no greater than 10 mg KOH/g.
    Type: Grant
    Filed: February 5, 2009
    Date of Patent: December 11, 2012
    Assignee: Sun Chemical B.V.
    Inventor: Clive Edward Lawrence
  • Publication number: 20120299286
    Abstract: Method for increasing at least one of the solubility and dispersibility of a quaterrylene and/or terrylene dye in a liquid medium, including binding the quaterrylene or terrylene dye to a polymer which is soluble in the liquid medium. Various aspects relate without limitation to polymer-bonded quaterrylene or terrylene dyes, processes, markings, security features, articles and dye-doped polymers.
    Type: Application
    Filed: May 24, 2012
    Publication date: November 29, 2012
    Applicant: SICPA HOLDING SA
    Inventors: Thomas TILLER, Cécile PASQUIER, Aurélien Georges Jean COMMEUREUC
  • Patent number: 8199913
    Abstract: An authenticatable object comprises a surface having a latent hidden image embossed therein. The latent image is an encoded version of an authentication image and comprises a plurality of elements applied to the surface with a predetermined frequency. The latent hidden image is configured for optical decoding by a decoder having a decoder frequency corresponding to the predetermined frequency.
    Type: Grant
    Filed: March 10, 2006
    Date of Patent: June 12, 2012
    Assignee: Graphic Security Systems Corp.
    Inventors: Alfred V. Alasia, Alfred J. Alasia, Thomas C. Alasia
  • Patent number: 8196817
    Abstract: A financial transaction card associated with an account of a cardholder is provided. The financial transaction card includes a front side, a back side, a signature block, and a validation code. The signature block includes a substrate having a bottom face and a top face wherein the bottom face is coupled to at least one of the sides of the card. The top face is substantially planar and includes a first data field and a second data field. The first data field and the second data field are non-overlapping. The validation code is associated with the account and is displayed within the second data field.
    Type: Grant
    Filed: November 7, 2008
    Date of Patent: June 12, 2012
    Assignee: MasterCard International Incorporated
    Inventors: Fernando Augusto Marques Lourenco, Jeremy King
  • Publication number: 20120141746
    Abstract: A method of visualizing a latent image includes: preparing a latent image composed of a plurality of paramagnetic seeds immobilized on a base in the form of an image, and a dispersion liquid of paramagnetic colloidal particles; immersing the latent image in the dispersion liquid of paramagnetic colloidal particles; and applying a magnetic field to the latent image and the dispersion liquid of paramagnetic colloidal particles.
    Type: Application
    Filed: February 8, 2012
    Publication date: June 7, 2012
    Inventor: Adarsh Sandhu
  • Publication number: 20120091701
    Abstract: The invention discloses an ink for the engraved steel die printing process, having a viscosity at 40° C. between 3 Pa.s to 15 Pa.s, preferably 5 to 10 Pa.s, and comprising a polymeric organic binder and magnetic pigment particle, characterized in that said magnetic pigment particles comprises a magnetic core material which is surrounded by at least one layer of another material. The surrounding layers, single or in combination, confer the pigment particle particular optical properties in the visible and/or in the near IR, chosen from high specular or diffuse reflectance, spectrally selective absorption or reflection, and angle-dependent absorption or reflection, and allow for the formulation of inks having a large gamut of color and other optical functionalities.
    Type: Application
    Filed: April 9, 2010
    Publication date: April 19, 2012
    Applicants: BANK OF CANADA, SICPA HOLDING SA
    Inventors: Jessica Krueger, Pierre Degott, Claude-Alain Despland, Christine Reinhard, Andrea V. Firth
  • Patent number: 8158253
    Abstract: Fibers (2, 14) having a plurality of colored regions printed on front and rear sides of said fiber are disclosed, wherein the colors are visible only under ultra-violet light. The regions may be in the form of stripes (4, 6, 8, 10 and 12) or may be arranged is a pseudo-random pattern (16, 18, 20, 22, 24). The regions may be differently colored. Such fibers can be incorporated into paper products as a form of counterfeit protection.
    Type: Grant
    Filed: August 28, 2003
    Date of Patent: April 17, 2012
    Assignee: D W Spinks (Embossing) Ltd.
    Inventor: Gary D. Spinks
  • Patent number: 8086515
    Abstract: A method of settling trades includes the steps of obtaining an authenticated delivery instrument, wherein the authenticated delivery instrument is authenticated by a first exchange and may be used to settle a trade undertaken on the first exchange. An electronic proxy is issued for the delivery instrument, wherein the electronic proxy may be exchanged for the authenticated delivery instrument and where the electronic proxy is used to settle a trade undertaken on a second exchange.
    Type: Grant
    Filed: April 7, 2010
    Date of Patent: December 27, 2011
    Assignee: Board of Trade of the City of Chicago, Inc.
    Inventor: Joseph E. Hawrysz
  • Patent number: 8080307
    Abstract: Pasty ink for the engraved steel die printing process, having a viscosity value above 3 Pa·s, preferably above 5 Pa·s at 40° C., and comprising an infrared absorbing material, wherein said infrared absorbing material is a transition element compound whose IR-absorption is a consequence of electronic transitions within the d-shell of transition element atoms or ions.
    Type: Grant
    Filed: November 16, 2006
    Date of Patent: December 20, 2011
    Assignee: SICPA Holding SA
    Inventors: Marlyse Demartin Maeder, Claude-Alain Despland, Edgar Mueller, Pierre Degott
  • Patent number: 8070186
    Abstract: The invention relates to reflective features formed from multiple inks. In one embodiment, the reflective feature includes a substrate having a first region and a second region, the first and second regions having different surface characteristics; a first reflective element disposed on the first region; and a second reflective element disposed on the second region, wherein the first reflective element is more adherent than the second reflective element to the first region. In another embodiment, the reflective feature includes multiple layers formed from different inks exhibiting enhanced reflectivity and/or durability. The invention is also to processes for forming these features, preferably through a direct write printing process.
    Type: Grant
    Filed: May 31, 2006
    Date of Patent: December 6, 2011
    Assignee: Cabot Corporation
    Inventors: Richard A. Einhorn, Mark J. Hampden-Smith, Scott T. Haubrich, Rimple Bhatia
  • Publication number: 20110290129
    Abstract: There is described a device and method for magnetically transferring indicia to a coating composition, such as an ink or varnish, applied to at least a part of the surface of a substrate, the coating composition comprising at least one type of magnetic or magnetizable particles. The device comprises a body subjected to a magnetic field generated by appropriate electromagnetic means, which body carries determined indicia in the form of engravings on a surface of the body, which engravings influence orientation of field lines of the magnetic field. The body comprises at least one layer of material of high magnetic permeability in which the engravings are formed. In unengraved regions of the layer of material of high magnetic permeability, the field lines of the magnetic field extend substantially parallel to the surface of the body inside said layer of material of high magnetic permeability.
    Type: Application
    Filed: May 7, 2008
    Publication date: December 1, 2011
    Applicant: KBS-GIORI S.A.
    Inventors: Matthias Gygi, Alain Würsch, Fabienne Meichtry, Alain Jufer
  • Patent number: 8060439
    Abstract: A system and method of providing a client with cashflow monitoring during a transfer of services (e.g. pre-authorized debits and credits) from a first account to a second account, the method comprising the steps of: (i) determining an effective date for the transfer of each service, said effective dates creating a transfer window; (ii) determining cashflows for said first account and said second account during said transfer window; (iii) adjusting effective dates for transfer of each services to avoid cashflow interruptions in said first and said second accounts; and (iv) providing a cashflow analysis to the client that lists all the effective dates for each service transfer and predicted cashflows for said first and said second account during said transfer window.
    Type: Grant
    Filed: September 18, 2009
    Date of Patent: November 15, 2011
    Assignee: D+H Limited Partnership
    Inventors: Serge Rivest, Michael King, Richard Clark
  • Patent number: 8046301
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: October 25, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 8001051
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 16, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7996315
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7996314
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7996316
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7989055
    Abstract: The invention relates to a security element for security papers, bank notes, ID cards or the like, having at least one plastic layer on which at least two metal layers of different color are so disposed side by side and on the same side of the plastic layer that the different colors are visually checkable.
    Type: Grant
    Filed: December 1, 2008
    Date of Patent: August 2, 2011
    Assignee: Giesecke & Devrient GmbH
    Inventors: Mario Keller, Theo Burchard, Lars Hoffmann
  • Patent number: 7984926
    Abstract: The present invention relates to a security document and/or document of value comprising: at least one information vector; and at least one masking element in the form of a strip having at least one semi-reflecting region covering the information vector at least in part, the masking element being of a width that is less than the width of the document.
    Type: Grant
    Filed: June 6, 2005
    Date of Patent: July 26, 2011
    Assignee: Arjowiggins Security
    Inventors: Stephane Mallol, Ivan Thierry
  • Patent number: 7982917
    Abstract: A document comprising a latent security image that is visible when the document is reproduced after being scanned by a standard commercial bank scanner. The security image comprises a plurality of lines, dots, or spots having a frequency and a density such that the image is reproduced after being scanned by the standard commercial bank scanner. A method of making a reproducible document comprising a security device comprises generating the document by creating an original containing the security device, scanning the original to a digital computer using a conventional scanner, and converting the scanned original to a digital image file which is printable via a digital press, a color copier, etc. A document comprises a security image that is not visible under ordinary light, and is visible when the document is exposed to a predetermined type of light. The security image is printed with an ink visible under one of UV light, infrared light, X-rays, of Gamma rays.
    Type: Grant
    Filed: March 7, 2007
    Date of Patent: July 19, 2011
    Assignee: Document Security Systems, Inc.
    Inventor: Thomas M. Wicker
  • Patent number: 7975906
    Abstract: There is described a process for numbering substrates having security prints printed thereon, each of the substrates comprising a plurality of security prints which are arranged in k columns and n rows on the substrate, wherein product k*n is an integer multiple of ten or of twenty-five.
    Type: Grant
    Filed: May 24, 2006
    Date of Patent: July 12, 2011
    Assignee: KBA-Giori S.A.
    Inventors: Johannes Georg Schade, Hartmut Karl Sauer
  • Patent number: 7968173
    Abstract: The present invention relates to printable security paper that includes a region capable of receiving printed indicia on the front side and on the reverse side which are observable in reflected light and form an image observable in transmitted light, as security element protecting against two-sided copying, characterized in that such region is a screened region having an average overall opacity less than the opacity of the vellum part of the rest of the paper, said screened region being made up from alternations of vellum miniregions, having an approximately constant thickness equal to that of the vellum part of the rest of the paper, and of miniregions of reduced opacity because of their smaller thickness compared with the vellum miniregions. The invention also relates to the security document obtained with this paper.
    Type: Grant
    Filed: December 23, 2003
    Date of Patent: June 28, 2011
    Assignee: Arjowiggins Security
    Inventors: Nathalie Vast, Yvan Thierry, Stephane Mallol
  • Publication number: 20110133442
    Abstract: A method for increasing adhesion between a security element (e.g., a security strip or band) and a fibrous sheet material such as paper is provided. Also provided by way of this invention is a security element laminated to one or more activatable adhesive films, a fibrous sheet material having such a laminated structure contained on or within a surface thereof, or at least partially embedded therein, and a document (e.g., a security document such as a banknote) made from such a fibrous sheet material.
    Type: Application
    Filed: June 11, 2009
    Publication date: June 9, 2011
    Inventors: Douglas A. Crane, Giles D. Prett