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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 571
705/41 Having programming of a portable memory device (e.g., ic card, "electronic purse") 348
705/42 Remote banking (e.g., home banking) 254
705/44 Requiring authorization or authentication 463
705/45 With paper check handling 183


Patents under this class:
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

Patent Number Title Of Patent Date Issued
7403922 Method and apparatus for evaluating fraud risk in an electronic commerce transaction Jul. 22, 2008
7401051 Automated teller machine system and method relay center Jul. 15, 2008
7401050 Method to improve debt collection practices Jul. 15, 2008
7401049 System and method for a prepaid card issued by a foreign financial institution Jul. 15, 2008
7401039 Analytical tools for a community of investors having investment portfolios Jul. 15, 2008
7398919 Transaction card system and approach Jul. 15, 2008
7398918 Systems and method for risk triggering values Jul. 15, 2008
7398236 Method and medium for budgeting Jul. 8, 2008
7398246 Method and system for managing a mortgage rebate transaction card account Jul. 8, 2008
7398247 Secure tax meter and certified service provider center for collecting sales and/or use taxes on sales that are made via the internet and/or catalog Jul. 8, 2008
7398248 System and method for using cards for sponsored programs Jul. 8, 2008
7398250 Method and system for restricting the usage of payment accounts Jul. 8, 2008
7398249 ACH debit blocking method and system Jul. 8, 2008
7395958 Conducting monetary transactions with minimal coin transfer Jul. 8, 2008
7395239 System and method for automatically processing loan applications Jul. 1, 2008
7395243 Technique for presenting matched billers to a consumer Jul. 1, 2008
7392935 Method and apparatus for accepting check deposits via the internet using browser-based technology Jul. 1, 2008
7395240 Financial product and collaborative system and method for providing and monitoring a financial product Jul. 1, 2008
7395241 Consumer-directed financial transfers using automated clearinghouse networks Jul. 1, 2008
7395242 Method and system for restricting the usage of payment accounts Jul. 1, 2008
7392210 Workflow management system and method Jun. 24, 2008
7392222 System and method for providing promotional pricing Jun. 24, 2008
7392223 Electronic billing with updateable electronic bill summary Jun. 24, 2008
7389268 Trading tools for electronic trading Jun. 17, 2008
7389267 Electronic verification system and method Jun. 17, 2008
7389266 Systems and methods for managing credit account products with adjustable credit limits Jun. 17, 2008
7389259 On-line interactive system and method for transacting business Jun. 17, 2008
7386520 Cost-based method for dynamically pricing and prioritizing an e-mail Jun. 10, 2008
7386509 Apparatus and methods for correlating magnetic indicia data with database records Jun. 10, 2008
7386508 Method and apparatus for facilitating a transaction between a buyer and one seller Jun. 10, 2008
7386506 Fraud score calculating program, method of calculating fraud score, and fraud score calculating system for credit cards Jun. 10, 2008
7386502 Method, software program, and system for structuring risk in a financial transaction Jun. 10, 2008
7386499 Stock trading limit order coupled link (Lock) Jun. 10, 2008
7386494 Method and apparatus for receiving a subscription for a security Jun. 10, 2008
7383225 Module for the interconnectivity of independent software applications Jun. 3, 2008
7383224 Systems and methods for processing credit card transactions that exceed a credit limit Jun. 3, 2008
7383223 Method and apparatus for managing multiple accounts Jun. 3, 2008
7383213 Apparatus and method for maintaining a children's automated bank account Jun. 3, 2008
7383252 Advanced search algorithm with integrated business intelligence Jun. 3, 2008
7377427 Method, apparatus and POS system for processing credit card transactions associated with POS sales May. 27, 2008
7379901 Accessing a vendor web site using personal account information retrieved from a credit card company web site May. 27, 2008
7379913 Anonymous transaction system May. 27, 2008
7379916 System and method for private secure financial transactions May. 27, 2008
7379972 System and method for granting deposit-contingent e-mailing rights May. 27, 2008
7376628 Methods and systems for carrying out contingency-dependent payments via secure electronic bank drafts supported by online letters of credit and/or online performance bonds May. 20, 2008
7376618 Detecting and measuring risk with predictive models using content mining May. 20, 2008
7376613 Business method for comparison shopping with dynamic pricing over a network May. 20, 2008
7376592 System and method for using a unique identifier to integrate an offline experience with an online experience May. 20, 2008
7373322 Two-way wireless communication system for financial industry transactions May. 13, 2008
7373328 Method, software program, and system for managing debt May. 13, 2008

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