Abstract: Methods and devices provide flexible demarcation points in order to determine whether access to individual stackers, rollers or areas in a cash handling device should be allowed. A plurality of stackers may be provided in a cash handling device and may store different denominations of currency. An input means may receive user input to request access to one or more of the stackers. One or more variables stored in memory may indicate whether user access is authorized for a given stacker. One or more electromechanical locks may secure one or more of the stackers. Computer-executable instructions executing on a processor may access the variable(s) in order to determine whether to allow user access to a requested stacker and may unlock the lock if access is authorized.

Abstract: A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.

Abstract: A system for using a watermark embedded in an audio signal to remotely control a device. Various devices such as toys, computers, and appliances, equipped with an appropriate detector, detect the hidden signals, which can trigger an action, or change a state of the device. The watermarks can be used with a “time gate” device, where detection of the watermark opens a time interval within which a user is allowed to perform an action, such as pressing a button, typing in an answer, turning a key in a lock, etc.

Abstract: Embodiments of the invention provide a system for generating an Interactive Voice Response (IVR) database. The system comprises a processor; and a memory coupled to the processor. The memory comprises a list of telephone numbers associated with one or more destinations implementing IVR, wherein the destinations are grouped based on at least one category; instructions executable by the processor for automatically communicating with at least one user; and instructions executable by the processor for at least one personal record from the at least one user and for storing the at least one personal record in the IVR database.

Abstract: There is provided an electronic wallet device including a holding section to hold a plurality of non-contact type IC cards, an external communication antenna to perform non-contact communication with an external unit, a card communication antenna to perform non-contact communication with the IC cards held in the holding section, a card selecting section to select at least one IC card by narrowing down candidates for an IC card to be used for communication with the external unit from the plurality of IC cards based on a plurality of different card selection criteria, and a communication control section to connect the selected IC card with the external unit via the external communication antenna and the card communication antenna so that the selected non-contact type IC card and the external unit communicate with each other.

Abstract: Methods and devices provide for lock interaction with software in order to facilitate access to a vault in a cash handling device and display of a transportation utility interface. A user may access an electromechanical lock on a cash handling device. The lock may determine whether the user is authorized. If unlocked, access may be provided to a transportation utility interface and to a vault that may contain currency in order to facilitate removal and transportation of the currency. If desired, stackers in the cash handling device may automatically transfer the currency to a container in the vault after the lock is unlocked. The vault may be subsequently closed, access to the transportation utility interface may be disabled, and the lock may be re-locked.

Abstract: The present invention provides systems and methods for authorizing access to one or more financial accounts. In some cases, the methods include providing an authorization document that incorporates a passcode. A request to authorize access to an account is received from an owner of the account. As part of the request, the passcode is provided. Based at least in part on the passcode, access to the account is authorized. In other cases, authorization can be provided via a representative of the account owner.

Abstract: Various switchable RFID devices are disclosed. These switchable RFID devices may include one or more RFID tags and one or more switches. Some of these one or more switches are optionally wireless. In various embodiments, the switchable RFID devices include identity devices, financial devices, remote controls, and the like. In some embodiments, switches are configured to enter data into a switchable RFID device, for example to select a financial account.

Abstract: A system allows consumers the ability to remotely transmit order and/or payment preference data to a vendor to facilitate sales transactions. A personal transmitter or key fob functions to transmit a signal to the vendor when the customer approaches the vendor, which signal comprises preferred order information for vendor processing. The vendor may acknowledge order receipt, generate the order, and automatically submit the transaction for payment through a secure connection. A web site acknowledges receipt of the payment request, retrieves specific transaction information for the target vendor, and processes the payments electronically. Customer information, vendor preferences and encrypted Customer payment specific pointers are downloaded to the personal transmitter on an ongoing basis and stored as encrypted data. If multiple vendors are within the proximity of the consumer, the transmitter will signal an error and list the vendors to the consumer, from which list the target vendor may be selected.

Abstract: An information apparatus switches a display at a predetermined area which includes at least a part of a portion where an electromagnetic-wave emitting unit used for data communications with a data storage device is disposed, according to data communication processing with the data storage device, and emits sound generated according to the processing at corresponding timing.

Abstract: Electronic Credit Card (ECC) is an electronic device that enables transmission/reception of data and/or digital information to/from a host computer via a Terminal Station (TS). TS includes Teller Machines in supermarkets/shopping complex, Automatic Teller Machines (ATM), EFTPOS devices and proprietary transceiver devices developed by Creative On-Line Technologies Limited for PC interface. It provides latest financial information including balances on its display unit. Keypads (1) enable PIN (personal identification number) entries so that an ECC is operational. Information Display Unit (2) including an LCD (liquid crystal display) screen or other display screens provides visual information. ENTER key (3) confirms a transaction. It is also used to activate an ECC when a PIN is keyed. Audio Transducer (4) confirms entries made on keypads (1). Audio Transducer is also used to activate a financial transaction via a telephone.

Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.

Abstract: A system for displaying an information package which achieves improved accuracy in the delivery of an advertising campaign. The system includes a remotely readable identification tag for holding an identifier, an interrogator for selectively remotely interrogating the tag to read the identifier, a processor responsive to the identifier read from the tag for obtaining, from a database, segment information that is associated with the identifier, and also responsive to the obtained segment information for designating the information package, and an information display unit for displaying the information package is also provided.

Abstract: The invention relates to a near field presence detection device provided to monitor an area (11) around a mouth (2) of a reading member, in particular a card reading member (1). The device comprises a presence detector (3) including a transmitter (4) and a receiver (5), said detector is provided to detect a change of field impedance due to a foreign object in the area (11). The device is further provided to generate a preliminary alarm signal and an effective alarm signal if preliminary alarm signal subsists within a predetermined time period.

Abstract: An apparatus including a memory device for storing a limitation or restriction on an account use received via the Internet and/or World Wide Web and a processing device for determining whether a transaction on the account or a use of a wireless or cellular communication device is authorized, allowed, or disallowed. An apparatus including a processing device for processing information regarding a banking transaction or use of a wireless or cellular communication device and generating a signal containing information regarding the transaction or device use and a transmitter for transmitting the signal to a communication device. An apparatus including a processing device for processing transaction information and generating a signal containing transaction information, and a transmitter for transmitting the signal to a communication device via the Internet and/or World Wide Web independently of transaction processing by a central transaction processing computer.

Abstract: An information apparatus switches a display at a predetermined area which includes at least a part of a portion where an electromagnetic-wave emitting unit used for data communications with a data storage device is disposed, according to data communication processing with the data storage device, and emits sound generated according to the processing at corresponding timing.

Abstract: A radio frequency identification (RFID) tag comprises RFID circuitry, an antenna, and a detector responsive to electromagnetic radiation of a predetermined frequency and for controlling cooperation between the RFID circuitry and the antenna when electromagnetic radiation of the predetermined frequency is detected. The detector may be responsive to light of the predetermined frequency to enable cooperation between the RFID circuitry and the antenna when light of the predetermined frequency is detected. Alternatively, the detector may be responsive to light of the predetermined frequency to disable cooperation between the RFID circuitry and the antenna when light of the predetermined frequency is detected.

Abstract: The automated system of the present invention uses the Federal, State, local and professional regulations and requirements and implementing instructions to generate a plurality of tasks which can be used to control and drive the process of handling a mortgage loan application to completion and settlement in accordance with these regulations. Loan requestors may specify that the system will generate the plurality of required tasks, including tasks required by applicable federal and/or state law, provide the plurality of required tasks to the requester for his execution, and monitor the completion of all required tasks so as to provide a completion certificate to the requestor.

Abstract: In a motor vehicle sharing system for managing motor vehicles parked in a parking area and renting the motor vehicles to users, the motor vehicle is provided with a detector for detecting the start and end of motor vehicle rental, and a usage data measuring section for starting and completing measurements for motor vehicle usage data. The detector contains a position detector for detecting the parking area. The motor vehicle is further provided with a membership list in which user information is recorded, a charge list, a rentability judging section for judging whether the motor vehicle is rentable, and a charging data generating section for making charging data by referring to the motor vehicle usage data measured by the usage data measuring section and the charge list Thus, it is possible to perform the rental and return operation without relying on a control center.

Abstract: A system and method for selectively allowing the passage of a guest through a region within at a coverage area. The system includes a turnstile system having an RFID reader, a network interface, an entry mechanism and a processor, and a central server having a network interface, a non-volatile memory, and a processor. An RFID reader reads a tag identifier from an RFID tag worn by a guest. The tag identifier is transmitted from the turnstile system to the central server. The central server processor access a guest data object using the tag identifier and reads a data field containing information related to the guest. Based on this information, the central server transmits a control signal to the turnstile system to activate its entry mechanism, thereby allowing the guest to pass through. The information may relate to monetary credits of the guest, statistical information of the guest, and restrictions, disabilities, health conditions and special access of the guest.

Abstract: A computerized password verification system and associated method is disclosed for discreet recognition and reporting of a duress transaction being imposed upon a user at an ATM or other remote cash-dispensing terminal. The inventive system utilizes conventional ATM hardware including a card reader, keypad and display together with its associated operating and communications software required for transaction processing, and further comprises the programmed generation and display screen of a list of transaction acceptance passwords (TAPs) with a prompt to the user for a TAP selection to confirm the validity of the immediate transaction. The prompted display of the TAP list appears following the initial acceptance of the user's personal identification number (PIN) and requires the ATM user to select the TAP from the list that is currently registered to the user.

Abstract: A wireless security module (20) adapted to authenticate a mobile device (16), such as a mobile telephone, thereby to allow communication between the mobile device and a terminal (12), such as a self-service terminal. The wireless security module (20) is paired with the mobile device (16) and is adapted to send an authentication signal to the mobile device (16) or the terminal (12) using a wireless communication path, such as a telecommunications network or an IR link or a Bluetooth connection.

Abstract: A short message transaction system has a computer that communicates in an online Internet protocol that forms active sessions. A wireless device communicates in a protocol that transmits and receives messages that have a maximum size limit of a predetermined number of alphanumeric characters substantially smaller than the number of alphanumeric characters transmitted in a communication of the computer. A database is also provided. A surrogate communicates with the wireless device and the computer. The surrogate collects data from a plurality of messages from the wireless device and provides the data for storage in the database. The computer then runs online sessions using the stored data.

Abstract: The present invention is a wireless device, such as a pager, that has an identity, such as a frequency and a capcode. The wireless device is provided for notifying a user of a message, such as a telephone number, directed specifically to the identity of the wireless device. The wireless device includes a housing, a display attached to the housing, a driver connected to the display for causing indicia to appear on the display, a controller, such as a microprocessor, connected to the driver for sending to the display a signal comprising indicia to appear on the display, a memory, and a receiver connected to the controller for receiving a page signal directed specifically to the identity of the wireless device and for communicating the page signal to the controller. When the controller receives the page signal received by the receiver, the controller sends to the driver a signal comprising the advertising indicia for causing the display to display the advertising indicia.

Abstract: The invention relates to a device for validating authenticity features on documents of value and security documents, especially bank notes, personal documents, plastic cards and similar. The device consists of an automatic testing apparatus into which the bank notes for testing are fed and hereby run through a detector device. The detector device is suitable for detecting and evaluating the electroluminescent properties of the authenticity features.

Abstract: In an identification system for the user of a vehicle having a mobile transponder which contains a memory for an authorization code and a transmitting-receiving device for transmitting the authorization code to a vehicle-fixed receiver, the transponder is arranged in a user's wristwatch.

Abstract: An apparatus and a control system to communicate with a portable wireless communication device to act as an electronic account book. The system comprises: an information providing dealer to provide a personal bank savings; an information transmission dealer to define the mailbox of a wireless receiving device and to transmit service information from the information providing dealer; a wireless receiving device, such as an electronic account book, to receive formatted information from different information providing dealers, and for checking the authority by its own machine code. When the user of the wireless receiving device asks for a function service, the information providing dealer will communicate with the information transmission dealer and store the related data of the wireless receiving device.

Abstract: A vehicle remote control system includes a common carrier paging receiver and an adapted remote transmitter coupled to the paging receiver to communicate with the system function controller. The system preferably includes a plurality of transmitters including at least one first transmitter for being carried by a user, and a first receiver positioned at the vehicle for receiving signals from the transmitters. The function controller is connected to wiring at the vehicle and to the first receiver. The system also preferably includes the second or paging receiver positioned at the vehicle for receiving signals via the common carrier paging network and for generating output control signals responsive to received signals from the common carrier paging network. In addition, the transmitters preferably further include a slightly modified remote transmitter connected to the second paging receiver for communicating output control signals to the controller and via the first receiver.

Abstract: Apparatus for fraud detection for an account includes a plurality of N statistical estimators which estimate the likelihood of a transaction being fraudulent from data about a transaction on the account and transaction history of the account. A statistical estimator is provided which computes an estimate of the likelihood of a particular signature being that of a person authorized to sign on the account from an exemplar of the signature and a history of previous signatures. A combiner produces a combined probability estimate from the plurality of N statistical estimators and the statistical estimator.

Abstract: A system operates to receive status messages from banking machines (12) operating in a network (14). The messages are received by an event management system (20) operating at least one computer (54) in operative connection with a data store (52). The data store includes information representative of the banking machines in the network, status messages generated by the banking machines and actions to be taken including entities to be notified of conditions which cause status messages to be sent by the various banking machines. A device status processing program (36) in the computer resolves an action to be taken responsive to the status message. Responsive to the action resolved by the device status processing program the computer causes a notification message to be dispatched by a multimedia reporter to an entity who is to be notified of the condition at the banking machine which caused the status message.