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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 728
705/41 Having programming of a portable memory device (e.g., ic card, "electronic purse") 407
705/42 Remote banking (e.g., home banking) 307
705/44 Requiring authorization or authentication 551
705/45 With paper check handling 220


Patents under this class:
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Patent Number Title Of Patent Date Issued
7613655 Value transfer systems and methods Nov. 3, 2009
7611045 Enclosure for automated banking machine Nov. 3, 2009
7611046 Point of sale devices for converting promissory transactions into debit transactions Nov. 3, 2009
7613632 System and method for performing automated testing of a merchant message Nov. 3, 2009
7613653 Money order debit from stored value fund Nov. 3, 2009
7613654 Use of electronic devices for money transfer Nov. 3, 2009
7613656 Coupon payment system Nov. 3, 2009
7610040 Method and system for detecting possible frauds in payment transactions Oct. 27, 2009
7610257 Computer-implemented risk evaluation systems and methods Oct. 27, 2009
7606763 Systems and methods for improving auction liquidity Oct. 20, 2009
7606762 System and method for providing a distributed decisioning environment for processing of financial transactions Oct. 20, 2009
7606761 Data output control apparatus Oct. 20, 2009
7606760 Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account Oct. 20, 2009
7606746 Like kind exchange system and method Oct. 20, 2009
7606408 Magnetic ink character reading method and program Oct. 20, 2009
7606162 Tracking of process-related communication Oct. 20, 2009
7606764 Installment purchase card and related systems and methods for making informed consumer purchases Oct. 20, 2009
7603315 Self-service terminal Oct. 13, 2009
7603313 Charging system and charging method Oct. 13, 2009
7603312 Altering card-issuer interchange categories Oct. 13, 2009
7603311 Process and device for conducting electronic transactions Oct. 13, 2009
7603302 Automated banking machine system with multiple entity interface Oct. 13, 2009
7600680 Time delimited multiple admission method and system Oct. 13, 2009
7597249 Automated banking machine system with multiple browsers Oct. 6, 2009
7599884 Programmable joint payment guarantee financial instrument set Oct. 6, 2009
7599885 Many-to-many correspondence: methods and systems for replacing interbank funds transfers Oct. 6, 2009
7599886 System and method for allocating mortgage repayment funds Oct. 6, 2009
7599887 Method and system for prepaid roaming minutes Oct. 6, 2009
7594606 Transaction card system and approach Sep. 29, 2009
7596529 Buttons for person to person payments Sep. 29, 2009
7593894 Method, software program, and system for structuring risk in a financial transaction Sep. 22, 2009
7593896 Credit card system and method Sep. 22, 2009
7593897 Wireless system for communicating cashless vending transaction data and vending machine audit data to remote locations Sep. 22, 2009
7593898 Method and system for payment transactions and shipment tracking over the internet Sep. 22, 2009
7593901 System and method for improving reliability of distributed electronic transactions Sep. 22, 2009
7593875 Financial system for isolated economic environment Sep. 22, 2009
7590575 Method and apparatus for converting, formatting, and displaying currency values Sep. 15, 2009
7587367 Method and system to provide feedback data within a distributed e-commerce system Sep. 8, 2009
7587348 System and method of detecting mortgage related fraud Sep. 8, 2009
7587359 Method and system for harvesting feedback and comments regarding multiple items from users of a network-based transaction facility Sep. 8, 2009
7587361 Methods and apparatus for electronic reporting of mortgage delinquency Sep. 8, 2009
7587362 Data processing system for managing and processing foreign exchange transactions Sep. 8, 2009
7587363 System and method for optimized funding of electronic transactions Sep. 8, 2009
7584147 System for identifying an individual and managing an account Sep. 1, 2009
7584109 Long term disability overpayment recovery service with provision of medical services and medical products Sep. 1, 2009
7581674 Financial transaction system and method Sep. 1, 2009
7584126 System and method for managing dedicated use of a credit account Sep. 1, 2009
7580890 System and method for supervising account management operations Aug. 25, 2009
7580887 Method and apparatus for facilitating purchase transactions across a network Aug. 25, 2009
7580886 Managing foreign payments in an international ACH Aug. 25, 2009

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