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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
8332317 Verification of a financial instrument allowing rules-based pre-acceptance use of the financial instrument Dec. 11, 2012
8332316 System and method for transferring a line of credit balance to a cash account Dec. 11, 2012
8332315 Payment message routing using geo-location Dec. 11, 2012
8332314 Text authorization for mobile payments Dec. 11, 2012
8332313 Methods and systems for exchanging and/or transferring various forms of value Dec. 11, 2012
8332311 Hybrid account Dec. 11, 2012
8332277 Method, system and computer readable medium for facilitating a transaction between a customer, a merchant and an associate Dec. 11, 2012
8332273 System and method for associating financial transaction data with a user's project data Dec. 11, 2012
8328086 Method of authorizing automated banking machine use responsive to user data read from data bearing records Dec. 11, 2012
8326766 System and method for linked account having sweep feature Dec. 4, 2012
8326758 Proxy card representing many monetary sources from a plurality of vendors Dec. 4, 2012
8326753 Method for facilitating financial and non financial transactions between customers, retailers and suppliers Dec. 4, 2012
8326752 Community gift system, information processing method, and information processing program Dec. 4, 2012
8326751 Apparatuses,methods and systems for a trackable virtual currencies platform Dec. 4, 2012
8326748 Automated loan approval system Dec. 4, 2012
8326720 Systems and methods for securitizing a commodity Dec. 4, 2012
8326015 Methods for mobile image capture and processing of documents Dec. 4, 2012
8321517 Method and system for processing emails Nov. 27, 2012
8321345 Trusted internal interface Nov. 27, 2012
8321341 Online fraud prevention using genetic algorithm solution Nov. 27, 2012
8321340 Adjustable mounting apparatus for a peripheral device of a self-service retail item checkout station Nov. 27, 2012
8321339 System and method for resolving transactions with variable offer parameter selection capabilities Nov. 27, 2012
8321338 Electronic network access device Nov. 27, 2012
8321337 Internet-connected devices Nov. 27, 2012
8321335 Customized consumer loan search and optimized loan pricing Nov. 27, 2012
8321310 Interactive account management system and method Nov. 27, 2012
8321291 Method, system and computer readable medium for facilitating a transaction between a customer, a merchant and an associate Nov. 27, 2012
8316101 Resource management system for hosting of user solutions Nov. 20, 2012
8315946 Systems and methods for processing benefits Nov. 20, 2012
8315945 Transferring money using a mobile electronic device Nov. 20, 2012
8315944 Apparatuses, methods and systems for a trackable virtual currencies platform Nov. 20, 2012
8315937 Apparatus, article, and method for a hedged specified event bond Nov. 20, 2012
8315932 News induced automated electronic securities transactions Nov. 20, 2012
8315929 Online incremental payment method Nov. 20, 2012
8311944 System and method of currency conversion in financial transaction process Nov. 13, 2012
8311943 Recurring transaction processing Nov. 13, 2012
8311940 Conditional balance management for non-issuer debit instruments Nov. 13, 2012
8311939 Method and system for allocating deposits over a plurality of depository institutions Nov. 13, 2012
8311938 Provider relationship management system that facilitates interaction between an individual and organizations Nov. 13, 2012
8311937 Client supported multiple payment methods system Nov. 13, 2012
8311913 Payment entity account set up for multiple payment methods Nov. 13, 2012
8306916 Method and system for digital document management on a mobile device Nov. 6, 2012
8306915 Method and system for authenticating software license Nov. 6, 2012
8306912 Private label promotion card system, program product, and associated computer-implemented methods Nov. 6, 2012
8306910 Systems and methods for electronically circulating a currency Nov. 6, 2012
8306907 System and method for offering risk-based interest rates in a credit instrument Nov. 6, 2012
8306889 System and method for presenting fraud detection information Nov. 6, 2012
8306882 Method and system for differential billing based on access system Nov. 6, 2012
8306879 Electronic settlement system, electronic settlement server, mobile communications terminal, and electronic settlement method Nov. 6, 2012
8301566 System and method for providing a financial transaction instrument with user-definable authorization criteria Oct. 30, 2012

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