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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 2,144
705/41 Having programming of a portable memory device (e.g., ic card, "electronic purse") 934
705/42 Remote banking (e.g., home banking) 793
705/44 Requiring authorization or authentication 1,451
705/45 With paper check handling 509


Patents under this class:
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Next

Patent Number Title Of Patent Date Issued
8463702 Global compliance processing system for a money transfer system Jun. 11, 2013
8463700 Payment and revenue systems Jun. 11, 2013
8463698 Systems and methods to select a credit migration path for a consumer Jun. 11, 2013
8463674 System and method for distributing mobile gift cards Jun. 11, 2013
8459562 System and method for processing transactions using a multi-account transactions device Jun. 11, 2013
8459545 Image-based point-of-sale mobile settlement system Jun. 11, 2013
8458099 System and method for online content licensing and distribution Jun. 4, 2013
8458095 Location-based rules for a financial account Jun. 4, 2013
8458093 Systems and methods of transferring credit card charge to line of credit Jun. 4, 2013
8458090 Detecting fraudulent mobile money transactions Jun. 4, 2013
8458089 System, method and program product for administering fund movements using depository institution groups Jun. 4, 2013
8458088 Money transfer smart phone methods and systems Jun. 4, 2013
8458087 Methods, devices and bank computers for consumers using communicators to wire funds to sellers and vending machines Jun. 4, 2013
8458086 Allocating partial payment of a transaction amount using an allocation rule Jun. 4, 2013
8458068 Monitoring in an automated clearing house processing environment Jun. 4, 2013
8458064 System and method for transferring electronic account information Jun. 4, 2013
8458063 System and method for profiling consumers and creating a recommended or custom card Jun. 4, 2013
8458058 System and method for determining tax liability in response to a mobility Jun. 4, 2013
8453068 Visualization tools for reviewing credibility and stateful hierarchical access to credibility May. 28, 2013
8452708 Universal payment processing May. 28, 2013
8452704 Method and system for on-line payments May. 28, 2013
8452703 Method and system for processing internet payments using the electronic funds transfer network May. 28, 2013
8452702 System, method and program product for minimizing fund movements May. 28, 2013
8452701 Methods, devices and bank computers for consumers using communicators to wire funds to sellers and vending machines May. 28, 2013
8452700 Systems and methods for implementing an interest-bearing instrument May. 28, 2013
8452699 Systems and methods for making structured reference credit decisions May. 28, 2013
8452689 Systems and methods of check detection May. 28, 2013
8452683 System and method for making a synthetic cash advance using a purchase payment exchange May. 28, 2013
8452662 System, program product, and associated methods to autodraw for micro-credit attached to prepaid card May. 28, 2013
8452661 Metered electrical charging station with integrated expense tracking and invoice capabilities May. 28, 2013
8447694 Commodity Futures Index and methods and systems of trading in futures contracts that minimize turnover and transactions costs May. 21, 2013
8447692 Personal financial network May. 21, 2013
8447691 Systems and methods for NACHA compliant ACH transfers using an automated voice response system May. 21, 2013
8447681 System and method for administering a destination fund having an associated guarantee May. 21, 2013
8447677 Transaction range comparison for financial investigation May. 21, 2013
8447672 Universal payment protection May. 21, 2013
8447670 Universal payment protection May. 21, 2013
8447666 System and method for associating financial transaction data with user's project data using a portable electronic device May. 21, 2013
8447658 Electronic bearer bond online transaction system May. 21, 2013
8447638 Automation of auditing claims May. 21, 2013
8447635 System and method for managing investment risk in satellite operator companies May. 21, 2013
8447632 Automation of auditing claims May. 21, 2013
8444481 Method and apparatus for providing electronic credits at a gaming device without first requiring payment therefor May. 21, 2013
8442911 Systems and methods for a prepaid interest credit card account May. 14, 2013
8442910 Systems and methods for using verified information cards in a communications network May. 14, 2013
8442909 Transaction processing entity device support of an integrated offer network May. 14, 2013
8442907 Method, software program, and system for ranking relative risk of a plurality of transactions May. 14, 2013
8442867 Providing an announcement about transactions of a target merchant to a consumer May. 14, 2013
8439746 Managing limitation rules for wagering accounts May. 14, 2013
8438106 Medical savings accounts with investment and loan-account access May. 7, 2013

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