ELECTRONIC FUNDS TRANSFER ELECTRONIC

Brand	Owner (click to sort)	Address	Description
E-PAYCARD	Electronic Paycheck	5638 Hollister Avenue, Suite 100 Goleta CA 93117	electronic funds transfer and electronic debit transaction services;E PAY CARD;
ELECTRONIC PAYCARD	Electronic Paycheck	5638 Hollister Avenue, Suite 100 Goleta CA 93117	electronic funds transfer and electronic debit transaction services;ELECTRONIC PAY CARD;
ELECTRONIC PAYCHECK	Electronic Paycheck	5638 Hollister Avenue, Suite 100 Goleta CA 93117	Electronic funds transfer and electronic debit transaction services;
EP.	Electronic Paycheck	5638 Hollister Avenue, Suite 100 Goleta CA 93117	Electronic funds transfer and electronic debit transaction services;
EP. PAY TO THE ORDER OF ELECTRONIC PAYCHECK $ DOLLARS 2001-91	Electronic Paycheck	5638 Hollister Avenue, Suite 100 Goleta CA 93117	Electronic funds transfer and electronic debit transaction services;

EPACIFIC.COM	EPACIFIC.COM	5638 Hollister Ave Goleta CA 93117	electronic funds transfer and electronic debit transaction services;E PACIFIC;
FICS	BANKAMERICA CORPORATION	San Francisco CA	electronic funds transfer and electronic reporting of financial information;
INTEGRITY PAYMENT SYSTEMS	INTEGRITY PAYMENT SYSTEMS	1700 Higgins Rd. Suite 690 Des Plaines IL 60018	ELECTRONIC FUNDS TRANSFER AND ELECTRONIC PAYMENT, NAMELY, ELECTRONIC PROCESSING AND TRANSMISSION OF BILL PAYMENT DATA FOR MERCHANTS AND BANKS;PAYMENT SYSTEMS;
MICROEBANK	SyncroNet, Inc.	225 Lafayette Street, Suite 206 New York NY 10012	ELECTRONIC FUNDS TRANSFER AND ELECTRONIC CASH TRANSACTIONS PROVIDED BY MEANS OF A GLOBAL COMPUTER NETWORK AND WIRELESS DEVICES;MICRO E BANK;
PAYCARD PLUS	EPACIFIC.COM INCORPORATED	5638 HOLLISTER AVE. GOLETA CA 93117	electronic funds transfer and electronic debit transaction services;PAYCARD;
REFIMAGIC	DOUGLAS-MICHAELS COMPANY, L.P.	6564 Loisdale Court Suite 500 Springfield VA 22150	Electronic funds transfer and electronic debit and credit transaction services;
	Where the owner name is not linked, that owner no longer owns the brand

Technical Examples

An on-line payment system comprises a computer system which can maintain accounts in a database for a plurality of users. The system is enrolled as a payee in a bill payment system so that users can transfer funds from their bank accounts to electronic cash accounts in the system by making a bill payment to the system. The bill payment is deposited in a bank account maintained by the operator of the system. The system includes a double-entry, net zero accounting system which ensures that electronic cash in the accounts on the system is supported by actual cash on deposit in the bank account of the system. Users can spend electronic cash before the system actually receives funds via the bill payment system. Electronic cash spent during this period is marked uncleared by the system. The system includes reconciliation software which matches payments received to uncleared electronic cash and marks the electronic cash as being cleared. After the electronic cash has been cleared it can be converted into regular cash. The electronic cash of the system is recyclable, anonymous, and secure.