An apparatus and method of transferring a value from a transferor to a transferee in a transaction executed through a public service telephone network. The method includes the step of exchanging essential information between the transferor and transferee through a connection established through the public...http://www.google.com/patents/US5915023?utm_source=gb-gplus-sharePatent US5915023 - Automatic portable account controller for remotely arranging for transfer of value to a recipient
