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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:
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Patent Number Title Of Patent Date Issued
8380624 Person-to-person payments: contextual spending Feb. 19, 2013
8380623 Systems and methods for enabling financial savings Feb. 19, 2013
8380622 Secure electronic payment messaging system with reconcilable finality Feb. 19, 2013
8380621 Systems, methods and program products for swap processing for uninsured accounts Feb. 19, 2013
8380595 Prediction market roll up Feb. 19, 2013
8380591 System and method for providing warning and protection for bill payments Feb. 19, 2013
8380590 Method and system for detecting recurring income from financial transaction data Feb. 19, 2013
8380576 Value determination for mobile transactions Feb. 19, 2013
8380563 Using previous user search query to target advertisements Feb. 19, 2013
8380545 Systems and methods for determining concentrations of exposure Feb. 19, 2013
8380129 Contactless reader for mobile phone for online electronic transaction Feb. 19, 2013
8376225 Secure card Feb. 19, 2013
8374964 Methods and systems for processing stranded payments and lockbox payments at the same designated payment location Feb. 12, 2013
8374963 Method and system for electronic checking Feb. 12, 2013
8374962 Stored value payouts Feb. 12, 2013
8374961 On-line payments facility Feb. 12, 2013
8374957 Systems and methods for automated payment processing Feb. 12, 2013
8374936 Method and system for integrating savings and credits with different interest rates Feb. 12, 2013
8374932 Payment entity device transaction processing using multiple payment methods Feb. 12, 2013
8374929 System and method for billing for hosted services Feb. 12, 2013
8370521 Reliable data message exchange Feb. 5, 2013
8370263 Providing trusted services management using a hybrid service model Feb. 5, 2013
8370262 System and method for performing secure online transactions Feb. 5, 2013
8370259 Verifying the source of electronically exchanged value Feb. 5, 2013
8370258 Apparatus, method, and computer program product for recovering torn smart payment device transactions Feb. 5, 2013
8370256 Method and apparatus for dynamic financial liability management Feb. 5, 2013
8370255 System and method for providing extra lines of credit Feb. 5, 2013
8370254 Enhanced vehicle identification card Feb. 5, 2013
8370232 System and method for back office processing of banking transactions using electronic files Feb. 5, 2013
8370230 System and method for expedited release of held items Feb. 5, 2013
8369841 Invoke facility service and its applications to compound wireless mobile communication services Feb. 5, 2013
8369828 Mobile-to-mobile payment system and method Feb. 5, 2013
8364793 Communication terminal, user data transferring system and user data transferring method Jan. 29, 2013
8364591 Track data mapping system for processing of payment transaction data Jan. 29, 2013
8364590 Motion based payment confirmation Jan. 29, 2013
8364589 Method and system for performing a cash transaction with a self-service financial transaction terminal Jan. 29, 2013
8364588 System and method for automated detection of never-pay data sets Jan. 29, 2013
8364587 Systems and methods for financial account access for a mobile device via a gateway Jan. 29, 2013
8364586 Systems and methods for implementing intelligent banking account system Jan. 29, 2013
8364585 Same-day settlement of financial transactions Jan. 29, 2013
8364584 Dynamic currency conversion system and method Jan. 29, 2013
8364583 Method and apparatus for processing a cardholder's inquiry or dispute about a credit/charge card Jan. 29, 2013
8364576 Tradable investment unit Jan. 29, 2013
8364567 Secure platforms for financial transaction applications Jan. 29, 2013
8364566 Method for managing group finances via an electronic network Jan. 29, 2013
8364544 Comprehensive online bidding and sales management system for merchant processing services Jan. 29, 2013
8364515 Method and system for facility location optimization Jan. 29, 2013
8359274 Systems and methods to provide messages in real-time with transaction processing Jan. 22, 2013
8359267 System and method for investing public deposits Jan. 22, 2013
8359266 Method and system for an inter-financial institution transactional network Jan. 22, 2013

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