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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 747
705/41 Having programming of a portable memory device (e.g., ic card, "electronic purse") 414
705/42 Remote banking (e.g., home banking) 311
705/44 Requiring authorization or authentication 560
705/45 With paper check handling 225


Patents under this class:
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Patent Number Title Of Patent Date Issued
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
6073118 Method for performing secure financial transactions using facsimile transmissions Jun. 6, 2000
6070141 System and method of assessing the quality of an identification transaction using an identificaion quality score May. 30, 2000
6070153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account May. 30, 2000
6070154 Internet credit card security May. 30, 2000
6064987 Method and apparatus for providing and processing installment plans at a terminal May. 16, 2000
6064990 System for electronic notification of account activity May. 16, 2000
6061664 System for facilitating the ordering and paying of services by means of a communication network May. 9, 2000
6058381 Many-to-many payments system for network content materials May. 2, 2000
6058382 Electronic money holding device utilizing an automatic payment method May. 2, 2000
6058383 Computationally efficient method for trusted and dynamic digital objects dissemination May. 2, 2000
6052675 Method and apparatus for preauthorizing credit card type transactions Apr. 18, 2000
6049782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution Apr. 11, 2000
6049784 Method for creating and managing a lease agreement Apr. 11, 2000
6049785 Open network payment system for providing for authentication of payment orders based on a confirmation electronic mail message Apr. 11, 2000
6049787 Electronic business transaction system with notarization database and means for conducting a notarization procedure Apr. 11, 2000
6047269 Self-contained payment system with circulating digital vouchers Apr. 4, 2000
6041314 Multiple account portable wireless financial messaging unit Mar. 21, 2000
6036344 Secure check processing system and method Mar. 14, 2000
6038549 Portable 1-way wireless financial messaging unit Mar. 14, 2000
6032134 Credit card billing system for identifying expenditures on a credit card account Feb. 29, 2000
6032135 Electronic purse card value system terminal programming system and method Feb. 29, 2000
6032136 Customer activated multi-value (CAM) card Feb. 29, 2000
6029150 Payment and transactions in electronic commerce system Feb. 22, 2000
6029151 Method and system for performing electronic money transactions Feb. 22, 2000
6029154 Method and system for detecting fraud in a credit card transaction over the internet Feb. 22, 2000
6026374 System and method for generating trusted descriptions of information products Feb. 15, 2000
6026379 System, method and article of manufacture for managing transactions in a high availability system Feb. 15, 2000
6023686 Method for conducting an on-line bidding session with bid pooling Feb. 8, 2000
6023687 Method for creating and managing a lease agreement Feb. 8, 2000
6021399 Space efficient method of verifying electronic payments Feb. 1, 2000
6018723 Method and apparatus for pattern generation Jan. 25, 2000
6018724 Method and apparatus for authenticating on-line transaction data Jan. 25, 2000
6016482 Enhanced collateralized funding processor Jan. 18, 2000
6016484 System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment Jan. 18, 2000
6014635 System and method for providing a discount credit transaction network Jan. 11, 2000
6014646 Process for making a payment using an account manager Jan. 11, 2000
6014647 Customer interaction tracking Jan. 11, 2000
6012048 Automated banking system for dispensing money orders, wire transfer and bill payment Jan. 4, 2000

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