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| Number | Title | Issue Date |
| 5825003 | Customer-directed, automated process for transferring funds between accounts using a holding account and local processing A system and method for allowing funds to be transferred instantly to an account so that the funds are available to the beneficiary at the time they are sent, based on customer information which can be automatically accessed by the system, rather than nee... | 10/20/1998 |
| 5659165 | Customer-directed, automated process for transferring funds between accounts via a communications network A system and method for allowing funds to be transferred instantly to an account so that the funds are available to the beneficiary at the time they are sent, based on customer information which can be automatically accessed by the system, rather than nee... | 08/19/1997 |
