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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 743
705/41 Having programming of a portable memory device (e.g., ic card, "electronic purse") 413
705/42 Remote banking (e.g., home banking) 311
705/44 Requiring authorization or authentication 558
705/45 With paper check handling 224


Patents under this class:
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Patent Number Title Of Patent Date Issued
5999967 Electronic mail filtering by electronic stamp Dec. 7, 1999
5993047 Apparatus and method for requesting and dispensing negotiable instruments Nov. 30, 1999
5995626 Electronic shopping method, electronic shopping system and document authenticating method relating thereto Nov. 30, 1999
5991380 Universal telecommunications services account Nov. 23, 1999
5991411 Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like Nov. 23, 1999
5991412 Method for protectedly debiting an electronic payment means Nov. 23, 1999
5991736 Patronage incentive award system incorporating retirement accounts and method thereof Nov. 23, 1999
5991747 Electronic purse loan system Nov. 23, 1999
5991748 Methods and apparatus for regenerating a prepaid transaction account Nov. 23, 1999
5991749 Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities Nov. 23, 1999
5987132 System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture Nov. 16, 1999
5987140 System, method and article of manufacture for secure network electronic payment and credit collection Nov. 16, 1999
5987434 Apparatus and method for transacting marketing and sales of financial products Nov. 16, 1999
5987437 Method of improving assistance to an operator to balance an out-of-proof transaction and an apparatus therefor Nov. 16, 1999
5987440 Personal information security and exchange tool Nov. 16, 1999
5983200 Intelligent agent for executing delegated tasks Nov. 9, 1999
5983207 Electronic cash eliminating payment risk Nov. 9, 1999
5978485 Foreign exchange transaction system Nov. 2, 1999
5978780 Integrated bill consolidation, payment aggregation, and settlement system Nov. 2, 1999
5970150 System for producing verifiable kiosk receipts and records Oct. 19, 1999
5970478 Method, apparatus, and program for customizing credit accounts Oct. 19, 1999
5963625 Method for providing called service provider control of caller access to pay services Oct. 5, 1999
5963647 Method and system for transferring funds from an account to an individual Oct. 5, 1999
5963925 Electronic statement presentment system Oct. 5, 1999
5960407 Automated market price analysis system Sep. 28, 1999
5956695 Filter processor and method for implementing a program Sep. 21, 1999
5956699 System for secured credit card transactions on the internet Sep. 21, 1999
5956700 System and method for paying bills and other obligations including selective payor and payee controls Sep. 21, 1999
5953710 Children's credit or debit card system Sep. 14, 1999
5949044 Method and apparatus for funds and credit line transfers Sep. 7, 1999
5949876 Systems and methods for secure transaction management and electronic rights protection Sep. 7, 1999
5949880 Transfer of valuable information between a secure module and another module Sep. 7, 1999
5950174 Affiliation-based arrangement for billing Sep. 7, 1999
5946669 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange Aug. 31, 1999
5940811 Closed loop financial transaction method and apparatus Aug. 17, 1999
5937394 System and method for pseudo cash transactions with credit back Aug. 10, 1999
5937396 System for ATM/ATM transfers Aug. 10, 1999
5933817 Tiered interest rate revolving credit system and method Aug. 3, 1999
5930363 Card charging systems Jul. 27, 1999
5926548 Method and apparatus for implementing hierarchical electronic cash Jul. 20, 1999
5924084 Method for tracing payment data in an anonymous payment system Jul. 13, 1999
5918215 Content sales price accounting system and accounting method thereof Jun. 29, 1999
5918216 Automatic recognition of periods for financial transactions Jun. 29, 1999
5915023 Automatic portable account controller for remotely arranging for transfer of value to a recipient Jun. 22, 1999
5913203 System and method for pseudo cash transactions Jun. 15, 1999
5910896 Shipment transaction system and an arrangement thereof Jun. 8, 1999
5911137 Method and apparatus for sharing a communication system Jun. 8, 1999
5909492 Network sales system Jun. 1, 1999
5907832 Method of debiting an electronic payment means May. 25, 1999
5905976 System of secured payment by the transfer of electronic money through an interbank network May. 18, 1999

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