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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:

Patent Number Title Of Patent Date Issued
8191775 Gift card account system and methods of a merchant processing a gift card Jun. 5, 2012
8191766 Methods and systems for managing merchant identifiers Jun. 5, 2012
8190526 Using payment mode rankings responsive to item attributes May. 29, 2012
8190522 System and method for providing borrowing schemes May. 29, 2012
8190521 Method for processing internet point of sale payment using automated teller machine switch settlement May. 29, 2012
8190520 Auditing and reconciling custodial accounts May. 29, 2012
8190519 Electronic gifting May. 29, 2012
8190518 Method and system for performing monetary transactions from multiple source accounts May. 29, 2012
8190517 System and method for transferring a line of credit balance to a cash account May. 29, 2012
8190514 Systems and methods for transaction processing based upon an overdraft scenario May. 29, 2012
8190513 Method of billing a purchase made over a computer network May. 29, 2012
8190484 Electronic commerce system and electronic commerce method May. 29, 2012
8190472 Multiple use rebate card May. 29, 2012
8190471 Rebate card system May. 29, 2012
8190470 Non pre-approved channel filtering for card acquisition May. 29, 2012
8186576 Automated banking machine that operates responsive to data bearing records May. 29, 2012
8185470 Systems and methods for processing benefits May. 22, 2012
8185457 Transaction risk analyzer May. 22, 2012
8185443 Method and apparatus for authorizing a payment via a remote device May. 22, 2012
8185439 Patronage incentive saving system and method for retail businesses May. 22, 2012
8181861 Electronic transaction security system and method May. 22, 2012
8181859 Method of authorizing automated banking machine use responsive to user data read from data bearing records May. 22, 2012
8181854 Cash handling device having integrated wireless modem May. 22, 2012
8180706 Systems and methods for maximizing a rewards accumulation strategy during transaction processing May. 15, 2012
8180705 Method and apparatus for initiating a funds transfer using a mobile device May. 15, 2012
8180704 Lost credit card notification system and method May. 15, 2012
RE43351 Credit card validation for an interactive wireless network May. 8, 2012
8176324 Method and system for a secure virtual keyboard May. 8, 2012
8175974 Portable storage device and transaction machine May. 8, 2012
8175972 Pre-paid card transaction computer to load a loan on a pre-paid card May. 8, 2012
8175968 Method and system for processing internet payments using the electronic funds transfer network May. 8, 2012
8175967 Method for processing internet point of sale payment using automated teller machine switch settlement May. 8, 2012
8175966 System and method for identifying an alternative provider of telecommunications services May. 8, 2012
8175965 System and method for providing prepaid services via an internet protocol network system May. 8, 2012
8175956 Method and apparatus for automated trading of equity securities using a real time data analysis May. 8, 2012
8175953 Prepaid short messaging May. 8, 2012
8175938 Method and system for facilitating merchant-initiated online payments May. 8, 2012
8172136 Method of authorizing automated banking machine use responsive to user data read from data bearing records May. 8, 2012
8172130 Automated banking machine that operates responsive to data bearing records May. 8, 2012
8170953 Systems and method for screening payment transactions May. 1, 2012
8170952 System and method for providing instant-decision, financial network-based payment cards May. 1, 2012
8170941 System and method for generating random vectors for estimating portfolio risk May. 1, 2012
8170527 Real-time balance on a mobile phone May. 1, 2012
8167200 Authorization verification system May. 1, 2012
8167197 Conversion system, terminal and method for paying with E-money May. 1, 2012
8166553 Method and apparatus for detecting unauthorized-access, and computer product Apr. 24, 2012
8165958 Electronic bill presentation and payment method and system Apr. 24, 2012
8165953 System and method for creating and trading a derivative investment instrument over a range of index values Apr. 24, 2012
8165946 Customized financial transaction pricing Apr. 24, 2012
8165945 Transaction velocity counting for fraud detection Apr. 24, 2012

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