. . "ov 9, 1990Jan 5, 1993Visa International Service AssociationTransaction approval systemUS5220501Dec 8, 1989Jun 15, 1993Online Resources, Ltd.Method and system for remote delivery of retail banking servicesUS5224173Oct 29, 1991Jun 29, 1993Kuhns Roger JMethod of reducing fraud in connection with employment, public license applications, social security, food stamps, welfare or other government benefit" . . . .