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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
5902983 Preset amount electronic funds transfer system for gaming machines May. 11, 1999
5903879 Method of managing a loan for funding a pension May. 11, 1999
5903880 Self-contained payment system with circulating digital vouchers May. 11, 1999
5897621 System and method for multi-currency transactions Apr. 27, 1999
5895456 Onboard currency and value card exchanger Apr. 20, 1999
5893080 Disbursement system and method Apr. 6, 1999
5889862 Method and apparatus for implementing traceable electronic cash Mar. 30, 1999
5889863 System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture Mar. 30, 1999
5890140 System for communicating with an electronic delivery system that integrates global financial services Mar. 30, 1999
5887273 Method and system for interactive contributions solicitation and donation Mar. 23, 1999
5883810 Electronic online commerce card with transactionproxy number for online transactions Mar. 16, 1999
5884280 System for and method of distributing proceeds from contents Mar. 16, 1999
5884288 Method and system for electronic bill payment Mar. 16, 1999
5884290 Method of transferring funds employing a three-node real-time electronic interlock Mar. 16, 1999
5880446 Electronic transaction method and system Mar. 9, 1999
5878233 System, method, and computer program product for reviewing and creating advisories for data located on a content server Mar. 2, 1999
5878405 Pension planning and liquidity management system Mar. 2, 1999
5875435 Automated accounting system Feb. 23, 1999
5872844 System and method for detecting fraudulent expenditure of transferable electronic assets Feb. 16, 1999
5870476 Process for pledging data for a secure data exchange protocol Feb. 9, 1999
5870721 System and method for real time loan approval Feb. 9, 1999
5870722 Apparatus and method for batch processing of wireless financial transactions Feb. 9, 1999
5870723 Tokenless biometric transaction authorization method and system Feb. 9, 1999
5867153 Method and system for automatically harmonizing access to a software application program via different access devices Feb. 2, 1999
5864828 Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation Jan. 26, 1999
5864829 Network charge method and system Jan. 26, 1999
5864830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card Jan. 26, 1999
5857023 Space efficient method of redeeming electronic payments Jan. 5, 1999
5852812 Billing system for a network Dec. 22, 1998
5839119 Method of electronic payments that prevents double-spending Nov. 17, 1998
5835603 Financial transaction system Nov. 10, 1998
5832089 Off-line compatible electronic cash method and system Nov. 3, 1998
5832463 Automated system and method for checkless check transaction Nov. 3, 1998
5826243 Integrated system for controlling master account and nested subaccount(s) Oct. 20, 1998
5826245 Providing verification information for a transaction Oct. 20, 1998
5819092 Online service development tool with fee setting capabilities Oct. 6, 1998
5819230 System and method for tracking and funding asset purchase and insurance policy Oct. 6, 1998
5812765 Multi-media remote data access terminals and system Sep. 22, 1998
5809480 Automated, secure inter authority settlement method and system for electronic toll collection Sep. 15, 1998
5794219 Method of conducting an on-line auction with bid pooling Aug. 11, 1998
5787402 Method and system for performing automated financial transactions involving foreign currencies Jul. 28, 1998
5787403 Bank-centric service platform, network and system Jul. 28, 1998
5787404 Credit-card based retirement fund system and method Jul. 28, 1998
5778067 Value transfer system Jul. 7, 1998
5774553 Foreign exchange transaction system Jun. 30, 1998
5761308 System for refunding payment for software Jun. 2, 1998
5757917 Computerized payment system for purchasing goods and services on the internet May. 26, 1998
5754656 Electronic shopping method, electronic shopping system and document authenticating method relating thereto May. 19, 1998
5748737 Multimedia electronic wallet with generic card May. 5, 1998
5745886 Trusted agents for open distribution of electronic money Apr. 28, 1998

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