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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
8301560 Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits Oct. 30, 2012
8301559 Determination of interchange categories Oct. 30, 2012
8301558 Loan management tool Oct. 30, 2012
8301557 System, program product, and method to authorized draw for retailer optimization Oct. 30, 2012
8301530 Automatic savings program Oct. 30, 2012
8301529 Method and system for implementing effective governance of transactions between trading partners Oct. 30, 2012
8301525 Method and system for managing communication of information Oct. 30, 2012
8301519 Methods and apparatus for analyzing revenue cycles of a facility Oct. 30, 2012
8296232 Systems and methods for screening payment transactions Oct. 23, 2012
8296231 Network accessible funds transfer system Oct. 23, 2012
8296230 System and method for remote deposit system Oct. 23, 2012
8296229 Method and system for associating consumers with purchase transactions Oct. 23, 2012
8296228 Dual transaction authorization system and method Oct. 23, 2012
8296204 System and method for reducing RIKS associated with accepting a financial instrument Oct. 23, 2012
8295805 Real-time replenishment with electronic confirmation for sale of prepaid long distance Oct. 23, 2012
8291085 Value information transfer system and value information transfer method Oct. 16, 2012
8290870 Method and device for exchanging values between personal portable electronic entities Oct. 16, 2012
8290869 Automated teller machine system and method and relay center Oct. 16, 2012
8290865 Push payment system and method including billing file exchange Oct. 16, 2012
8290863 Method and system for expediting payment delivery Oct. 16, 2012
8290862 Method and system for expediting payment delivery Oct. 16, 2012
8290861 Systems and methods for providing enhanced account management services for multiple banks Oct. 16, 2012
8290860 Systems and methods for providing enhanced account management services for multiple banks Oct. 16, 2012
8290859 Systems and methods for providing enhanced account management services for multiple banks Oct. 16, 2012
8290858 Method for issuing and managing debit gift cards Oct. 16, 2012
8290856 Method for determining insurance benefits and premiums from credit information Oct. 16, 2012
8290433 Method and system for securing transactions made through a mobile communication device Oct. 16, 2012
8285641 System and method for selectable funding of electronic transactions Oct. 9, 2012
8285640 System and methods for facilitating fund transfers over a network Oct. 9, 2012
8285639 Location based authentication system Oct. 9, 2012
8285638 Attribute enhancement in virtual world environments Oct. 9, 2012
8285637 Authorization request for financial transactions Oct. 9, 2012
8285631 Method and system for structuring the ownership of an investment Oct. 9, 2012
8285610 System and method of determining the quality of enhanced transaction data Oct. 9, 2012
8285601 Method and system for computer-based auctioning of basic generation services Oct. 9, 2012
8285592 Methods and systems for providing enhanced data for co-brand payment card transactions Oct. 9, 2012
8281991 Transaction secured in an untrusted environment Oct. 9, 2012
8280811 Method and apparatus for increasing charitable donations by providing instantaneous donor recognition Oct. 2, 2012
8280810 Method and system for automatically harmonizing access to a software application program via different access devices Oct. 2, 2012
8280809 Linking a financial card with a merchant account Oct. 2, 2012
8280808 Multiple rate loan Oct. 2, 2012
8280807 System of transferring and utilising reusable credit Oct. 2, 2012
8280794 Price earnings derivative financial product Oct. 2, 2012
8280793 Prepaid calling card accounts linked to credit card accounts, with methods for creating and managing the same Oct. 2, 2012
8280790 System and method for billing for hosted services Oct. 2, 2012
8280788 Peer-to-peer and group financial management systems and methods Oct. 2, 2012
8280761 Method of facilitating contact between a consumer and a requesting entity Oct. 2, 2012
8276813 Systems and methods for risk triggering values Oct. 2, 2012
8275715 Apparatuses, methods and systems for a deposit process manager decisioning engine Sep. 25, 2012
8275714 Method for performing a digital cash transaction Sep. 25, 2012

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