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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 743
705/41 Having programming of a portable memory device (e.g., ic card, "electronic purse") 413
705/42 Remote banking (e.g., home banking) 311
705/44 Requiring authorization or authentication 558
705/45 With paper check handling 224


Patents under this class:
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Patent Number Title Of Patent Date Issued
6993507 Bar coded bill payment system and method Jan. 31, 2006
6988658 System and method for facilitating a transaction between a merchant and a consumer Jan. 24, 2006
6990467 Method, apparatus and program for pricing, transferring, buying, selling and exercising of freight cargo options on the World Wide Web Jan. 24, 2006
6988085 System and method for real-time electronic inquiry, delivery, and reporting of credit information Jan. 17, 2006
6983882 Personal biometric authentication and authorization device Jan. 10, 2006
6985873 System and method for administering a brokerage rebate card program Jan. 10, 2006
6985879 Systems and methods for facilitating group rewards Jan. 10, 2006
6983259 Anonymous trading system Jan. 3, 2006
6983261 System and method for causing multiple parties to be paid from a single credit card transaction Jan. 3, 2006
6980968 Method and apparatus for providing and processing installment plans at a terminal Dec. 27, 2005
6980969 Methods and apparatus for allowing internet based purchases based on a temporary credit card number Dec. 27, 2005
6980970 Secure networked transaction system Dec. 27, 2005
6978250 System and method for automated electronic scrip transactions Dec. 20, 2005
6970837 Methods and apparatus wherein a buyer arranges to purchase a first product using a communication network and subsequently takes possession of a substitute product at a retailer Nov. 29, 2005
6970843 Financial management system Nov. 29, 2005
6970844 Flow designer for establishing and maintaining assignment and strategy process maps Nov. 29, 2005
6970845 Automated banking machine apparatus and system Nov. 29, 2005
6968317 Method and apparatus for new accounts program Nov. 22, 2005
6968319 Electronic bill presentment and payment system with bill dispute capabilities Nov. 22, 2005
6963636 Valuable cipher information issuing system and issuing method, telephone charge settlement system and telephone charge settlement method, and charge settlement system and charge settlement met Nov. 8, 2005
6963857 Network-accessible account system Nov. 8, 2005
6963866 Method of obtaining an electronically stored financial document Nov. 8, 2005
6955294 Apparatus and method for preventing credit card fraud Oct. 18, 2005
6955295 Card issuing system Oct. 18, 2005
6957185 Method and apparatus for the secure identification of the owner of a portable device Oct. 18, 2005
6957191 Automated financial scenario modeling and analysis tool having an intelligent graphical user interface Oct. 18, 2005
6957192 System and method for automated credit matching Oct. 18, 2005
6950805 System for funding, analyzing and managing life insurance policies funded with annuities Sep. 27, 2005
6947906 Method for conducting a computerized government auction Sep. 20, 2005
6944512 Device and method for carrying out the decentralized production of desired products from different starting materials, and an automated process system Sep. 13, 2005
6944595 Apparatus and method for performing conversion between different units of currency using an encapsulated conversion path of exchange rates Sep. 13, 2005
6941274 Automated transaction machine Sep. 6, 2005
6941279 Mutual fund card method and system Sep. 6, 2005
6941280 Determining intra-day net asset value of an actively managed exchange traded fund Sep. 6, 2005
6941281 Automated payment Sep. 6, 2005
6937990 System for syndication of insurance Aug. 30, 2005
6938013 Money-transfer techniques Aug. 30, 2005
6938016 Digital coin-based postage meter Aug. 30, 2005
6932268 Dual mode credit card based payment technique Aug. 23, 2005
6934692 On-line interactive system and method for transacting business Aug. 23, 2005
6931527 Method and system for ensuring the security of fax transmission using an identifying card Aug. 16, 2005
6928420 Automated transaction apparatus Aug. 9, 2005
6925450 Method and system for payment of permit mail Aug. 2, 2005
6918537 System and method for managing stored-value card data Jul. 19, 2005
6920435 Tokenless biometric electronic transactions using an audio signature to identify the transaction processor Jul. 19, 2005
6920611 Method and system for implementing a loyalty merchant component Jul. 19, 2005
6915277 Method for dual credit card system Jul. 5, 2005
6915279 System and method for conducting secure payment transactions Jul. 5, 2005
6911133 Automated system for issuing and managing offence tickets Jun. 28, 2005
6910023 Method of conducting secure transactions containing confidential, financial, payment, credit, or other information over a network Jun. 21, 2005

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