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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
5734838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase Mar. 31, 1998
5727163 Secure method for communicating credit card data when placing an order on a non-secure network Mar. 10, 1998
5724523 Electronic income tax refund system utilizing the tax refund to underwrite issuance of a secured credit card Mar. 3, 1998
5717868 Electronic payment interchange concentrator Feb. 10, 1998
5717989 Full service trade system Feb. 10, 1998
5715399 Secure method and system for communicating a list of credit card numbers over a non-secure network Feb. 3, 1998
5710889 Interface device for electronically integrating global financial services Jan. 20, 1998
5704046 System and method for conducting cashless transactions Dec. 30, 1997
5696908 Telephone debit card dispenser and method Dec. 9, 1997
5691915 Data transmission device Nov. 25, 1997
5687323 Dual currency debit card Nov. 11, 1997
5678010 Automated routing of messages over a network Oct. 14, 1997
5671364 Method and system for commodity-based currency for payment of accounts and elimination of payment risk Sep. 23, 1997
5634012 System for controlling the distribution and use of digital works having a fee reporting mechanism May. 27, 1997
5592379 Method and apparatus for pooling and distributing bond dividends Jan. 7, 1997
5555497 Charitable contribution centralization system and apparatus Sep. 10, 1996
5546303 Method of and system for correlating charitable contributions Aug. 13, 1996
5535407 Data processing system for locally updating customer data distributed by a host computer to a remote facility and for returning the updated customer data to the host computer Jul. 9, 1996
5485370 Home services delivery system with intelligent terminal emulator Jan. 16, 1996
5475585 Transactional processing system Dec. 12, 1995
5466919 Credit/charge card system enabling purchasers to contribute to selected charities Nov. 14, 1995
5466919 Credit/charge card system enabling purchasers to contribute to selected charities Nov. 14, 1995
5424938 Method and apparatus for providing access to a plurality of payment networks Jun. 13, 1995
5326959 Automated customer initiated entry remittance processing system Jul. 5, 1994
5303149 System for eliminating duplicate entries from a mailing list Apr. 12, 1994
5287268 Centralized consumer cash value accumulation system for multiple merchants Feb. 15, 1994
5287269 Apparatus and method for accessing events, areas and activities Feb. 15, 1994
5227966 Data processing apparatus for sales transactions Jul. 13, 1993
5202826 Centralized consumer cash value accumulation system for multiple merchants Apr. 13, 1993
5193057 Electronic income tax refund early payment system with means for creating of a new deposit account for receipt of an electronically transferred refund from the IRS Mar. 9, 1993
5138549 Automated tax deposit processing system Aug. 11, 1992
5120944 Image-based document processing system providing enhanced workstation balancing Jun. 9, 1992
5117355 Centralized consumer cash valve accumulation system for multiple merchants May. 26, 1992
5111395 Automated fund collection system including means to eliminate duplicate entries from a mailing list May. 5, 1992
5021967 Apparatus for dispensing money orders Jun. 4, 1991
5010485 Apparatus, system and method for creating credit vouchers usable at point of purchase stations Apr. 23, 1991
4985833 Extended coverage monetary regulation system Jan. 15, 1991
4972463 In-store multiple device communications unit and centralized data system utilizing same Nov. 20, 1990
4960981 Method of and system for electronic funds transfer via facsimile machines Oct. 2, 1990
4947479 Method of processing data in a banking terminal employing the total-first handling technique Aug. 7, 1990
4941090 Centralized consumer cash value accumulation system for multiple merchants Jul. 10, 1990
4926325 Apparatus for carrying out financial transactions via a facsimile machine May. 15, 1990
4905186 Portable data terminal Feb. 27, 1990
4890228 Electronic income tax refund early payment system Dec. 26, 1989
4858121 Medical payment system Aug. 15, 1989
RE32985 Credit transaction processing system Jul. 11, 1989
4845636 Remote transaction system Jul. 4, 1989
4823264 Electronic funds transfer system Apr. 18, 1989
4799156 Interactive market management system Jan. 17, 1989
4794530 Credit settlement and ticketing terminal system Dec. 27, 1988

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