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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
8407142 Managing a universal payment account Mar. 26, 2013
8407141 System and method for processing multiple methods of payment Mar. 26, 2013
8407140 Global remittance platform Mar. 26, 2013
8407139 Credit risk evaluation with responsibility factors Mar. 26, 2013
8407088 Rebate card system Mar. 26, 2013
8403209 Dynamic hold decisioning using adjusted deposit amount Mar. 26, 2013
8401974 Method, system, and graphic user interface for enabling a customer to access a media file Mar. 19, 2013
8401969 Virtual traveler's check Mar. 19, 2013
8401967 Method and system for using reward points to liquidate products Mar. 19, 2013
8401966 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities Mar. 19, 2013
8401964 Apparatus, method, and computer program product for encoding enhanced issuer information in a card Mar. 19, 2013
8401963 Secure authentication and payment system Mar. 19, 2013
8401962 Systems and methods for providing enhanced account management services for multiple banks Mar. 19, 2013
8401961 Method for structuring a supplemental interest mortgage Mar. 19, 2013
8401906 Financial transaction authentication servers, methods, and computer program products for facilitating financial transactions between buyers and sellers Mar. 19, 2013
8396799 Media device payments remote control personalization and protection Mar. 12, 2013
8396795 Method and software application and system for automated bill processing Mar. 12, 2013
8396794 Method and system for processing a financial transaction Mar. 12, 2013
8396793 Payment card based remittance methods and system Mar. 12, 2013
8396792 Dynamically specifying a merchant identifier in an electronic financial transaction Mar. 12, 2013
8396790 System and method for financing commercial transactions Mar. 12, 2013
8396782 Client-oriented, on-demand trading system Mar. 12, 2013
8396777 Prediction market database, related methods, devices and systems Mar. 12, 2013
8396767 Displaying values specified in a number of offers for a number of offer variables with respect to price Mar. 12, 2013
8392329 Method and apparatus for facilitating purchase transactions across a network Mar. 5, 2013
8392328 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions Mar. 5, 2013
8392327 Mortgage matching system and method Mar. 5, 2013
8392326 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange Mar. 5, 2013
8392325 Method and system for tagging and tracking donation transactions Mar. 5, 2013
8392324 Method and system for charging correlation Mar. 5, 2013
8392306 Transfer instrument Mar. 5, 2013
8392305 System for automatically transferring account information, such as information regarding a financial services account Mar. 5, 2013
8392304 Method, system and computer program product for managing funds in custodial deposit accounts Mar. 5, 2013
8392301 Financial system for isolated economic environment Mar. 5, 2013
8392300 Method and system for transferring bill payment data Mar. 5, 2013
8392275 Identifier-based charge on delivery transaction Mar. 5, 2013
8386775 Tolerant key verification method Feb. 26, 2013
8386384 System and method for facilitating large scale payment transactions Feb. 26, 2013
8386382 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts Feb. 26, 2013
8386381 Method and system for detecting, monitoring and addressing data compromises Feb. 26, 2013
8386380 Products and processes for revenue sharing and delivery Feb. 26, 2013
8386379 Consumer behaviors at lender level Feb. 26, 2013
8386376 System and method using enhanced authorization data to reduce travel-related transaction fraud Feb. 26, 2013
8386353 Systems and methods to process transactions based on social networking Feb. 26, 2013
8386351 Optimized reservation for multi-session and/or multi-unit types Feb. 26, 2013
8386349 Verification of a portable consumer device in an offline environment Feb. 26, 2013
8385532 Real-time detective Feb. 26, 2013
8381120 Visualization tools for reviewing credibility and stateful hierarchical access to credibility Feb. 19, 2013
8380629 Seeding challenges for payment transactions Feb. 19, 2013
8380626 Processing images associated with the remote capture of multiple deposit items Feb. 19, 2013

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