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Class Information
Number: 705/39
Name: Data processing: financial, business practice, management, or cost/price determination > Automated electrical financial or business practice or management arrangement > Finance (e.g., banking, investment or credit) > Including funds transfer or credit transaction
Description: Subject matter drawn to a computerized arrangement for transferring funds by debiting one account and crediting another by the same amount.


Sub-classes under this class:

Class Number Class Name Patents
705/40 Bill distribution or payment 737
705/41 Having programming of a portable memory device (e.g., ic card, "electronic purse") 411
705/42 Remote banking (e.g., home banking) 311
705/44 Requiring authorization or authentication 555
705/45 With paper check handling 223


Patents under this class:
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

Patent Number Title Of Patent Date Issued
6205435 Self-contained payment system with circulating digital vouchers Mar. 20, 2001
6205437 Open network payment system for providing for real-time authorization of payment and purchase transactions Mar. 20, 2001
6202053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants Mar. 13, 2001
6202054 Method and system for remote delivery of retail banking services Mar. 13, 2001
6199046 Method system and article of manufacture for performing real time currency conversion Mar. 6, 2001
6199051 Digital active advertising Mar. 6, 2001
6199055 System and method for providing fault tolerant transcriptions over an unsecured communication channel Mar. 6, 2001
6195649 Digital active advertising Feb. 27, 2001
6190256 Gaming device and method of operation thereof Feb. 20, 2001
6185544 Processing system for charge request data Feb. 6, 2001
6178409 System, method and article of manufacture for multiple-entry point virtual point of sale architecture Jan. 23, 2001
6173269 Method and apparatus for executing electronic commercial transactions with minors Jan. 9, 2001
6169974 Method for closed loop processing of transactions utilizing bank card association Jan. 2, 2001
6169975 Point-of-distribution pre-paid card vending system Jan. 2, 2001
6167385 Supply chain financing system and method Dec. 26, 2000
6167387 Cashless card revalue system Dec. 26, 2000
6163771 Method and device for generating a single-use financial account number Dec. 19, 2000
6155484 Electronic money system of token and value mixed type Dec. 5, 2000
6154732 System for providing investment advice and management of pension assets Nov. 28, 2000
6154879 Tokenless biometric ATM access system Nov. 28, 2000
6151588 Full service trade system Nov. 21, 2000
6138907 Electronic transaction processing system and method for operating same Oct. 31, 2000
6141651 Funding and settlement integrated suspense processing system Oct. 31, 2000
6138107 Method and apparatus for providing electronic accounts over a public network Oct. 24, 2000
6134593 Automated method for electronic software distribution Oct. 17, 2000
6129271 Electronic funds transfer network test system Oct. 10, 2000
6128599 Method and apparatus for processing customized group reward offers Oct. 3, 2000
6125356 Portable sales presentation system with selective scripted seller prompts Sep. 26, 2000
6122625 Apparatus and method for secure transacting Sep. 19, 2000
6119105 System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture Sep. 12, 2000
6112191 Method and system to create and distribute excess funds from consumer spending transactions Aug. 29, 2000
6105862 Method for performing a double-signature secure electronic transaction Aug. 22, 2000
6108640 System for calculating occasion dates and converting between different calendar systems, and intelligent agent for using same Aug. 22, 2000
6105001 Non-cash transaction incentive and commission distribution system Aug. 15, 2000
6105006 Transaction authentication for 1-way wireless financial messaging units Aug. 15, 2000
6105007 Automatic financial account processing system Aug. 15, 2000
6105009 Automated teller machine dispenser of debit cards Aug. 15, 2000
6105010 Biometric certifying authorities Aug. 15, 2000
6094643 System for detecting counterfeit financial card fraud Jul. 25, 2000
6092053 System and method for merchant invoked electronic commerce Jul. 18, 2000
6088686 System and method to performing on-line credit reviews and approvals Jul. 11, 2000
6085168 Electronic commerce settlement system Jul. 4, 2000
6085171 Order entry system for changing communication service Jul. 4, 2000
6081790 System and method for secure presentment and payment over open networks Jun. 27, 2000
6081791 Enhanced ATM for facilitating telephony access Jun. 27, 2000
6078902 System for transaction over communication network Jun. 20, 2000
6076073 Method of debiting an electronic payment means Jun. 13, 2000
6076075 Retail unit and a payment unit for serving a customer on a purchase and method for executing the same Jun. 13, 2000
6072870 System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture Jun. 6, 2000
6073113 Compatibility checking between instruments, operations and protocols in electronic commerce Jun. 6, 2000

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