Abstract: A method and apparatus for processing a check in an automatic teller machine in a data processing system. A check is received in the automatic teller machine. The check is scanned within the automatic teller machine to generate an image. Optical character recognition is performed on the image to generate data. A markup language is created, which is a representation of the check using the data.

Abstract: A method, apparatus and computer implemented instructions for processing checks in a data processing system. A customer check issued by a customer is received at the automatic teller machine. An amount for the customer check is identified. A new check for the amount is created in which the funds for the amount are guaranteed by a financial institution.

Abstract: The invention concerns a method an a system enabling a centre managing telephone calls (30) to different suppliers of services (40), to identify safely and rapidly the customers (11) of the service suppliers calling the management centre by means of a telephone equipment (16) connected to a communication network (15).

Abstract: A PC card has, in addition to the normal plug-and-socket interface, a standard or modified chip card interface analogous to ISO 7816 ff and is personalized therewith. The PC card can be used in standard PC applications, but also personalized and used as chip cards.

Abstract: A portable electronic device has contacting and noncontacting interfaces and an inhibiting section. The contacting interface including a plurality of contact terminals for exchanging driving power and data. The noncontacting interface for generating driving power and demodulating received data from a signal received via an antenna. The inhibiting section for inhibiting an operation of the other one of the contacting and noncontacting interfaces while the portable electronic device is driven via one of the contacting and noncontacting interfaces.

Abstract: In an electronic money storing apparatus in an electronic money transaction system for transmitting and receiving electronic money between electronic money cards holding electronic money, IC cards are loaded to each of a plurality of IC card read/write unit connected to a controller. Each of the IC cards holds electronic money and transmits and receives electronic money with another IC card in the electronic money transaction system. The controller reads and writes the electronic money of the IC cards loaded to a selected IC card read/write unit and transmits and receives the electronic money between that IC card and an electronic money storing media external of the electronic money storing apparatus.

Abstract: A value charging apparatus for writing value data to an electronic storage device includes an apparatus main body having a processor, a cash inserting portion for accepting cash, and an interface through which the value charging apparatus communicates with an electronic storage device and a count unit, the count unit being removably attached to the apparatus main body for storing therein upper limit value data representing an upper limit of an amount which can be charged in value information stored in the electronic storage device. The processor of the apparatus main body executes, in accordance with the result of comparison of an amount which a user intends to charge in the count unit with the upper limit value data, when it is judges that charging amount is within the range of the upper limit value data, the processing of adding the charging value data to value information of the electronic storage device.

Abstract: A smart card is provided having a removable integrated circuit. The integrated circuit is mounted on a semiconductor chip assembly which is locked within the smart card. The semiconductor chip assembly is configured so that once it is locked in place, it may only be removed with a special tool. The special tool allows the locking mechanisms holding the semiconductor chip assembly within the smart card to be disengaged. Attempts to remove the semiconductor chip assembly without the special tool may result in damage to one or both of the semiconductor chip assembly and the smart card. The semiconductor chip assembly may be mounted through the side of the smart card or through one of the faces. A security label applied to the smart card and the semiconductor chip assembly provides additional security with a visual indication of tampering with the semiconductor chip assembly.

Abstract: A processor 29 automatically sets a direction of transferring electronic money information depending on the existence of IC cards 1a, 1b connected to IC card connecting portions 11a, 11b, and the existence of an external device connected to an external device connecting terminal 8, thus making instructing operations for transferring electronic money information easier.

Abstract: A portable terminal device for electronic money IC cards containing monetary data therein, comprises in a main body (10), a card slot opening (12, 13) into which a plurality of electronic money IC cards (100, 110, 120) are inserted, electric contact terminals (16, 17, 18) for reading and writing the monetary data from and into the electronic money IC cards which are inserted into card slot opening, a display (80) for displaying money amount for the monetary data which is read out from the inserted electronic money IC cards or which is to be written into the inserted electronic money IC cards; and a button (82) for manipulating the reading and writing operations the monetary data from and into the electronic money IC cards which are inserted into the card slot opening. The card slot opening (12, 13) is so configured that the plurality of the electronic into and positioned with being closely piled up with each other and shifted to each other in a direction parallel to main surface thereof.

Abstract: The object of the present invention is to enable to prevent an erroneous erase of a data stored or writing another data on the data as well as to enable to easily switch an erroneous erase prevention switch. A command generator, upon reception of a register instruction for checking a state of a memory card received via an S/P & P/S sequencer, sets a state of an erroneous erase prevention switch in a register and transmits this register content via the S/P & P/S sequencer to a host computer. According to the register content from the memory card, the host computer decides whether a write protect is ON and executes a write inhibit processing when the write protect is ON.

Abstract: A system for enabling a service user to perform one or more transactions with the same or different service providers, while providing a high level of security for the performance of the transactions both with respect to the service provider and the service user, using an intelligent device. The system includes an intelligent device including a microcomputer having an input/output communication port, and microcomputer store including nonvolatile memory and random access memory. An interface device is associated with a memory for storing data and a coupler via which communications may be effected with the intelligent device. The store is arranged such that one part thereof has an operating system which can be run for performing basic functions of the device, the operating system being programmed in native code of the microcomputer.

Abstract: The disclosed apparatus is a stand alone integrated smart card circuit chip card vending machine. It accepts bills in $1, $5, $10, $20 and $50 denominations and/or credit cards and issues stored value smart cards for the value requested. It can also telephone a center to validate credit card transactions or send diagnostic and statistical reports. This invention has the capability to read and write to a card while it is in the dispenser stack, therefore the card has no value while in the dispenser and is not released until payment is received, that is, the cards are encoded in real time before they are issued.

Abstract: A computer starter and starting method for an ATX computer system which provides a standby voltage when the computer system is shut down. The computer starter takes the standby signal as its power supply and includes a smart card interface, a clock generator, a non-volatile memory, a micro-controller and a power control circuit. The smart card interface generates an enable signal upon insertion of a smart card. The clock generator generates a reference clock in response to the enable signal. The non-volatile memory stores a computer identification signal. The micro-controller resets the smart card, reads a user identification signal stored in the smart card, and generates a verification signal when the computer identification signal stored in the non-volatile memory matches the user identification signal stored in the smart card. The power control circuit generates a start signal in response to the verification signal so as to start the computer system.

Abstract: A smart card payment system using stored value in the form of serialized electronic coins and electronic bills, which provides efficient security monitoring without the need for full centralized accounting of each transaction. Central monitoring of the system-level security includes statistical sampling techniques coupled with efficient tracing of the transaction path of an electronic coin back to its source. Only small amounts of data storage and transmission are utilized, eliminating the need for large centralized databases of transaction records. Consumer privacy as well as flexibility in making card-to-card monetary transfers are thereby enhanced, while allowing verification of system-wide security as well as rapid detection and tracing of security breaches. Multiple editions of electronic coins permit transparent and periodic renewal of the system and re-establishment of a security baseline, and also provide for the regular reclamation of stored value lost or abandoned by consumers.

Abstract: A method of executing a transaction on a smartcard of the type including a processor, a memory for storing a system program, an application programs and for storing data and an interface enabling communication with an external processor in a local terminal adapted to access related data is disclosed. The method comprises the steps of: determining from the data stored on the smartcard in a pre-transaction state if the transaction can be executed validly by the smartcard (102); determining from the related data stored in a pre-transaction state and accessible by said external processor if the transaction can be executed validly by the external processor (102); in response to said determining steps being affirmative, executing said transaction on said smartcard and by said external processor (105); and in response to said smartcard or said external processor failing to execute said transaction, restoring said data and said related data to the or each pre-transaction state (108).

Abstract: An optical recording medium includes an integrated circuit (IC) module whose exposed surface is masked so as not to be visually recognized. The optical recording medium can be efficiently manufactured without degrading the essential function thereof. The optical recording medium includes a transparent substrate, an optical recording layer and a protective layer provided in this sequence. The IC module is buried in the optical recording medium so that one surface of the IC module is exposed on the protective layer. The optical recording medium also includes a hardened surface layer, transparent to a light beam for reproducing information recorded in the optical recording layer, or for reproducing information recorded in the optical recording layer and recording information in the optical recording layer, provided on a surface of the transparent substrate where the light beam is projected, and a masking layer provided in a region behind the IC module on the external surface of the hardened surface layer.

Abstract: Communication units used by a communications terminal are measured, and an economic efficiency associated with use of the terminal is determined from the measured communication units and a stored critical value of a tariff of a communications system that is stored in smart card that is coupled to the terminal. Measures to control communications unit usage by the terminal are initiated based on the determined economic efficiency. The measures to control usage may include providing an indication, e.g., a visual or audible indication, of the determined economic efficiency to a user of the terminal. According to one aspect, a first indication of economic efficiency is provided to the user, e.g., a first icon is displayed, if the measured communication units are less than the stored critical value, and a second indication of economic efficiency is provided to the user, e.g., a second icon is displayed, if the measured communication units are greater than the stored critical value.

Abstract: A host and user transaction system comprising a self contained portable intelligent device (13) for use by a service user, and an interface device (11) for use by a service provider. The intelligent device (13) is in the form of an integrated circuit (IC) card incorporating a single chip microcomputer having an input/output communication port (15), nonvolatile memory (17, 19) and random access memory (21). The interface device (11) has its own memory for storing data and a coupler (14) to connect to the IC card for communicating therewith. The nonvolatile memory (17, 19) has in one part an operating system mask programmed in native code for performing basic functions and in a second part data files with different access restriction levels. The random access memory (21) is available for use by the operating system and stores data received from or ready for transmission via the communication port (15).

Abstract: According to a first aspect of the present invention, cryptography without a dedicated microprocessor on the smart card is employed to provide authentication of both the smart card and the smart card reader, and wherein the cryptography provides only a preselected number of attempts at authentication, if not reset, before access to the smart card is denied permanently. According to a second aspect of the present invention, access to each the memory zones of the smart card may be individually provided by cryptography, passwords or both.

Abstract: A fueling system for conducting a transaction with a prepaid remote communication unit. The system includes wireless communication electronics for communicating with a remote communication unit, a dispenser and customer interface for conducting a transaction and accepting payment, and a control system. The control system is adapted to determine a value correlating to payment made by a customer, effect storage of the value in association with the remote communication unit, communicate with the remote communications unit subsequent to effecting storage of the value and deduct the value of an amount of a transaction associated with the communications unit to effect payment.

Abstract: The present invention provides new cash registers which are suitable for use in catering companies and retail businesses. The cash registers can be easily adapted to the ergonomic requirements of a standing or seated operator. Various devices can optionally be installed in a wall located underneath a keypad surface and are covered by a front region of the keypad surface. The keypad surface can pivot to allow access to the various devices.

Abstract: A heterogeneous stored-value system which offers interoperability among a number of proprietary payment card brands with differing fee structures. The system makes use of existing settlement practices and fee structures to increase the amount of commerce while imposing minimal changes. The benefits of the interoperability among different proprietary brands include reduced operating costs, since a single electronic cash pool can serve many different payment card brands. Although the electronic cash of the system is generic and is shared among the different payment card brands, the flow of electronic cash is prescribed in such a manner as to maintain an association between electronic cash (over the course of circulation) and the specific brand of payment card through which it was acquired by the customer. In this way, a transaction involving electronic cash represents a small piece of a much larger charge or debit transaction and carries its proportional share of the fees of the charge or debit transaction.

Abstract: A digital cash safe for storing a monetary value corresponding to an amount of digital cash. The digital cash safe includes a circuit board on which a plurality of storage devices are mounted each of the storage device storing a monetary value and a controller to select one of the storage devices and transfer a monetary value from or into the selected storage device. The circuit board and the controller are secured by a case having a door and a door lock for controlling access thereto.

Abstract: Card reader for game machine with a memory (42) which contains a minimum credit value and receives the credit value available from a card. At each stage of the game, the available credit value varies. The available credit value is compared, on each transaction, with the minimum value. When the available credit value is less than the minimum value, a circuit (47) triggers seizure of the card. A reader of this type can operate by performing all transactions in a memory within the reader, only reading the card memory when the card is inserted into the reader and updating it when the card is ejected.

Abstract: A data medium in the form of a check card is known. Such check cards include a memory in which at least one amount of money is stored. If the user wishes to purchase or use a product or service, the amount of money is debited by the vendor. If the vendor intents to defraud the user, or simply makes an unintentional error, too much money may be debited from the data medium by a vendor terminal without the user noticing immediately that this has occurred. This type of fraud or error may also occur when using other data mediums, including credit cards, debit cards, special purpose cards such as telephone cards and transportation cards, and the like. In order to avoid such fraud or error, further memories are provided in the data medium according to the present invention, wherein one internal memory serves solely for the purpose of accepting amounts of money from outside. The amount needed for a purchase is input by a vendor terminal into a special input memory on the medium.

Abstract: A prepaid card with elements for preventing useful fraudulent alteration, comprising, on a supporting element, at least one electrically rewritable permanent register, at least one temporary register and at least one control element for comparison between a usable value that is present in the at least one permanent register and a new value which is temporarily provided in the at least one temporary register. The control element is suitable to allow to write the new value in the permanent register in replacement of the usable value only if the new value is smaller than the usable value.

Abstract: An electronic-monetary system having (1) banks or financial institutions that are coupled to a money generator device for generating and issuing to subscribing customers electronic money including electronic currency backed by demand deposits and electronic credit authorizations; (2) correspondent banks that accept and distribute the electronic money; (3) a plurality of transaction devices that are used by subscribers for storing electronic money, for performing money transactions with the on-line systems of the participating banks or for exchanging electronic money with other like transaction devices in off-line transactions; (4) teller devices, associated with the issuing and correspondent banks, for process handling and interfacing the transaction devices to the issuing and correspondent banks, and for interfacing between the issuing and correspondent banks themselves; (5) a clearing bank for balancing the electronic money accounts of the different issuing banks; (6) a data communications network for provi

Abstract: In an electronic money storing apparatus in an electronic money transaction system for transmitting and receiving electronic money between electronic money cards holding electronic money, IC cards are loaded to each of a plurality of IC card read/write unit connected to a controller. Each of the IC cards holds electronic money and transmits and receives electronic money with another IC card in the electronic money transaction system. The controller reads and writes the electronic money of the IC cards loaded to a selected IC card read/write unit and transmits and receives the electronic money between that IC card and an electronic money storing media the external of the electronic money storing apparatus.

Abstract: A double-ended transaction terminal with a clerk operated portion on one end, a customer operated portion on the other end and a card reader portion in the middle. The card reader portion has a housing extending above the base of the terminal to provide a mutual shield of the displays on customer and clerk operated terminal portions.

Abstract: A terminal 2 held by the user with a radio transmitter and receiver 3. Electronic money information is transferred via the radio transmitter and received. By using a portable telephone, it is unnecessary to directly insert an IC card 1 into service supply equipment 17. In addition to the service supply equipment 17, a device 9 for storing electronic money information in a lump is provided. Since the electronic money information is transferred into the device 9 for storing the electronic money information in a lump, it is unnecessary to collect the electronic money information stored in terminals one by one.

Abstract: A microprocessor-based device having a memory unit and a processing unit operatively coupled to the memory unit. The memory unit has one or more risk parameters stored therein, and the processing unit is capable of performing real-time risk management analysis of transactions performed by the IC card using the risk parameters. Preferably, the microprocessor-based device is an IC card.

Abstract: A card transaction system and method which includes the card medium, an accepting apparatus for the card medium, and a host computer of a card medium issuer connected to the accepting apparatus via a communication line, comprises, an approving function for causing the host computer to answer one credit inquiry from the issuer so that the host computer approves right of use for the card medium within a predetermined amount of money without a necessity of performing a credit inquiry, a supply function for causing the accepting apparatus to supply information of the right of use to the card medium when the approving function approves the right of use, and a function for causing information of the right of use to be stored in a storage region of the card medium so as to realize a plurality of transactions with the card medium within the predetermined range of the amount of money without the necessity of performing the credit inquiry.

Abstract: A portable terminal device for electronic money IC cards containing monetary data therein, includes in a main body (10): a card slot opening (12, or 12 and 13) into which a plurality of electronic money IC cards (100 and 110, or 100, 110 and 120) are inserted; electric contact terminals (16 and 17, or 16, 17 and 18 ) for reading and writing the monetary data from and into the electronic money IC cards which are inserted into the card slot opening; a display (80) for displaying money amount of the monetary data which is read out from inserted electronic money IC cards or which is to be written into the inserted electronic money IC cards; and a button (82) for manipulating the reading and writing operations of the monetary data from and into the electronic money IC cards which are inserted into the card slot opening; wherein the card slot opening (12, or 12 and 13) is so configured that the plurality of electronic money IC cards (100 and 110, or 100, 110 and 120) are inserted into and positioned while being clo

Abstract: A microcircuit with two contact and non-contact operating modes, including communication device (2) specific for the non-contact operating mode, communication device (3) specific for the contact operating mode, electronic circuit (4) common to both operating modes, a coil (L) for receiving an AC voltage (Va) by induction, a rectifier circuit (Pd) for rectifying the AC voltage (Va) to give a first microcircuit power supply voltage (Vcc1), at least one power supply contact (p1) for receiving a second microcircuit power supply voltage (Vcc2) a distribution line (5) for distributing the first (Vcc1), or second (Vcc2) power supply voltages, a switch circuit (6, 13) between the power supply contact (P1) and the distribution line (5), and controller (7, 8) for controlling the switch circuit, which controller (7, 8) are arranged to sense the AC voltage (Va) across the terminals of the coil (L), and close the switch circuit (6, 13) when the second power supply voltage (Vcc2) is present on the power supply contact, or

Abstract: A method of securely storing and retrieving monetary values, such as electronic checks and electronic coins. In an interactive protocol between an issuer (e.g., a bank terminal) and a recipient (e.g., a smart card) of electronic money, authentication values (A, B, . . .) are produced by the issuer and are stored in an external storage device (e.g., an electronic wallet). At a later stage, the protocol is repeated between the recipient and the storage to securely retrieve the stored authentication values.

Abstract: A process for dispensing individual chip cards to a plurality of individual chip card users employs a chip card dispensing station (1) with at least one storage container (2). Chip cards are stored in the chip card dispensing station (1). The chip cards are capable for use in external read-write stations and contain electronic components requested by a card user for implementing chip card applications. A remotely located verification or monitoring station (5) is linked to the chip card dispensing station (1) via a cable-linked and/or radio-linked active data connection (4) for entering personal data into the chip card dispensing station via a user menu (3). A loaded chip card is issued to the card user operating the user menu. The loaded chip card is selected from the chip cards stored the chip card dispensing station (1).

Abstract: A point of service (POS) terminal having an integral field replaceable printer for printing a customer receipt and a method for replacing the integral printer. The POS terminal comprises a single, unitary housing which houses the various components typically associated with a POS terminal, but which is also configured to accommodate an integral printer within the terminal housing. The integral print module may be easily accessed, removed and replaced by a merchant without the use of tools or special training and instruction. A moveable access panel associated with the terminal housing provides access to the removable, replaceable printer cartridge and allows the printer cartridge to be removed from the POS terminal and replaced without having to disassemble the POS terminal.

Abstract: A pass card having a card body with a cavity therein, a module with a semiconductor chip implanted permanently in the cavity of the card body, and a micro-encapsulated adhesive for fixing a nonconductive plastic substrate of the module in the card body.

Abstract: Microprocessor-based cards use application programs contained in a non-volatile user memory (MU), under the control of an operating system in a read-only memory (MSYS). To provide flexibility and security of access to the various memory zones without using a specific rigidly fixed circuitry, it is proposed that the memory access instructions of the application programs (PG1, PG2, PG3) should be interpreted and not performed directly. The interpreter is in the read-only memory (MSYS) or in the user memory and it carries out an access instruction as follows: it explores a reserved zone (ZR) of the user memory to find out if the requested access (access for reading, writing or performance) is cleared for the requested address. It performs the instruction only if the clearance is present. The reserved zone (ZR) which contains these clearances is updated during the writing, in the user memory, of a new application program. The updating can be done only by the operating system.

Abstract: An electronic-monetary system having (1) banks or financial institutions that are coupled to a money generator device for generating and issuing to subscribing customers electronic money including electronic currency backed by demand deposits and electronic credit authorizations; (2) correspondent banks that accept and distribute the electronic money; (3) a plurality of transaction devices that are used by subscribers for storing electronic money, for performing money transactions with the on-line systems of the participating banks or for exchanging electronic money with other like transaction devices in off-line transactions; (4) teller devices, associated with the issuing and correspondent banks, for process handling and interfacing the transaction devices to the issuing and correspondent banks, and for interfacing between the issuing and correspondent banks themselves; (5) a clearing bank for balancing the electronic money accounts of the different issuing banks; (6) a data communications network for provi

Abstract: An electronic-money card is used for carrying out transactions such as depositing, drawing, cash exchanging and transfers of electronic money in an automatic teller machine. A plurality of menus showing a variety of transactions are displayed so that the user to select one of the menus. If the deposit menu is selected, menus for cash and electronic money are displayed to request the user to select whether the money to be deposited is cash or electronic money. If the user selects the electronic-money deposit menu, the user is requested to enter a cash card and a password number. Once the password number is entered, the validity of the user is verified. After the validity of the user has been verified, the user is requested to enter an IC card and to specify the amount of electronic money to be deposited.

Abstract: The mouse of the computer is equipped with a reader of an access code located in one or a set of chipcards for users. The reader is connected to an antenna equipping the mouse so that the user has only to present his card to the mouse inside the influence zone of the antenna for obtaining that the access code is transmitted to the computer and that the security device rendering the computer inoperant is unlocked.

Abstract: A technique for representing behavioral patterns indicating fraudulent electronic cash transactions through micro-dynamic simulation of an electronic cash transaction system implementable using smart cards with embedded microcomputers. The electronic cash transaction system is stochastically modeled by four categories of agents corresponding to the participants in an electronic cash transaction economy. Some categories of agents are further subdivided into segments that have different characteristics, including the circle of other agents with whom they regularly conduct electronic cash transactions. Agents with counterfeit or fraudulent smart cards may form a segment in the simulation to allow the effects of the counterfeit or fraudulent electronic cash transactions in the complete system to be observed.

Abstract: Smart IC cards are ones which themselves control performance of their transactions, in order to avoid an IC card reader having to be specialized in particular transaction types. A smart IC card system includes at least one IC card reader (1) and an IC card (4) which stores a transaction management program in a memory thereof. The reader (1) controls exchange cycles by alternately and repetitively sending to the IC card (4), on the one hand a request for provision of a packet of instructions and data, this being referred to as the "card message" and, on the other hand, a report declaration associated with a report message regarding the execution by the reader (1) of instructions previously received in card messages. The IC card (4) controls processing cycles synchronous with exchange cycles by virtue of a device for executing a transaction management program, developing instructions and data of the card messages at a rate of card-message provision requests and report declarations sent by the reader (1).

Abstract: Upper and lower exterior members are coupled together without using ultrasonic welding process. Upper and lower metal panels are brought into electrical conduction therebetween with simple construction. In an IC card having an assembly structure wherein an upper exterior member is formed by integrating an upper frame with an upper metal panel, while a lower exterior member is formed by integrating a lower frame with a lower metal panel; and wherein an electric circuit board with specified electronic components incorporated therein and a connector to be connected to the electric circuit board are provided, in which the arrangement of the upper exterior member and the lower exterior member are coupled with each other, by which the IC card is assembled.

Abstract: The integration of multiple application programs on one chip card is described, whereby the application programs stored on it do not have access to each other, which is achieved through a separation and de-coupling of the individual programs from one another. A first embodiment has several mutually-independent units, consisting respectively of a processor unit and a memory unit. Communication of these independent units with the external world and also with each other takes place through a control unit. A communication of the independent units with each other can only take place through the respective processor units, so that the linked memory units may not be accessed by circumvention of the processor unit. In a further embodiment, the separation of different applications on a chip card with only one processor takes place through the insertion of a separation of the application segments in the memory area of the chip card.

Abstract: An apparatus for performing processing on an integrated circuit medium includes a mechanism for performing transfer to and from the integrated circuit medium held therein, and a controller adapted to supply a power supply voltage to the integrated circuit medium after a predetermined condition has been satisfied with the integrated circuit medium set in the apparatus and to stop the supply of the power supply voltage when predetermined processing is completed on the integrated circuit medium.

Abstract: An IC card reading/writing apparatus has an IC card reading/writing control unit having an intelligent function to control read-out/write-in processing for an IC card by an application unit in the IC card reading/writing apparatus. The IC card reading/writing control unit has, in addition to the intelligent function, a pass-through function to control read-out/write-in processing for the IC card by an application unit in a host for the IC card reading/writing apparatus by receiving a pass-through command from the host. With this arrangement, the IC card reading/writing apparatus can execute readout/write-in processing for the IC card with either the intelligent function or the pass-through function, thereby minimizing the cost required to configure an IC card system.

Abstract: A software product, computer implemented method, and system provide an integrated user interface having three simultaneously displayed items of information, including a list of transaction instructions, a list of uncleared transactions, and a list of cleared transactions. The simultaneous display, and interaction between the lists, provides for integration of various tasks separately associated with personal finance software products and with online banking products. Two account balances are also simultaneously displayed, a balance for cleared transactions, and a separate balance based on both cleared and uncleared transactions. The two balances provide the user with a complete view of the status of their account and available funds. The software product and system supports online bill payment, electronic funds transfer, and checkbook transactions, without requiring navigation through multiple, separate user interfaces for different modules of the product.