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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
8660945 Method and system for identifying small businesses and small business operators Feb. 25, 2014
8660944 Systems and methods to select a credit migration path for a consumer Feb. 25, 2014
8660926 System for automatically transferring account information, such as information regarding a financial services account Feb. 25, 2014
8660924 Configurable interactive assistant Feb. 25, 2014
8660923 Recurring money transfer Feb. 25, 2014
8660920 Managed deposit program Feb. 25, 2014
8659605 Graphical representation of financial information Feb. 25, 2014
8655781 Dynamic currency conversion system and method Feb. 18, 2014
8655778 Systems and methods for processing payments with payment review features Feb. 18, 2014
8655775 Method and system for merchant debit routing table change detection Feb. 18, 2014
8655773 Geo-location based underwriting Feb. 18, 2014
8655763 Microfinance funds aggregation for a retail investor Feb. 18, 2014
8655762 Integration of gift card services for mobile devices and social networking services Feb. 18, 2014
8655759 Controlling a shared service Feb. 18, 2014
8655684 Method for operating a return generation system and a system for generating returns Feb. 18, 2014
8651369 System and method for presenting information about an object on a portable device Feb. 18, 2014
8650123 Entry level banking products Feb. 11, 2014
8650121 Hybrid credit card transaction system Feb. 11, 2014
8650106 Systems and methods for processing overhead imagery Feb. 11, 2014
8650053 Systems and methods for determining concentrations of exposure Feb. 11, 2014
8649764 Method, mobile terminal, service platform and system for implementing debit card service Feb. 11, 2014
8646073 Detection of account hijacking in a social network Feb. 4, 2014
8645275 Systems and methods for verifying identities Feb. 4, 2014
8645274 Point of sale payment method Feb. 4, 2014
8645271 Secure telematics payment method Feb. 4, 2014
8645270 Enhanced customer interaction channel systems and methods Feb. 4, 2014
8645269 Methods and apparatus for optimizing the distribution of trading executions Feb. 4, 2014
8645268 Money transfers for tax refunds Feb. 4, 2014
8645267 Using currency to purchase from sellers that do not recognize the currency Feb. 4, 2014
8645245 Offset optimization system Feb. 4, 2014
8645241 E-check and e-commerce Feb. 4, 2014
8645215 System and method for sales tax automatic declaration Feb. 4, 2014
8645197 Method of facilitating contact between a consumer and a requesting entity Feb. 4, 2014
8645181 Computer implementation method for integrating services in a calendar application via meeting request e-mails Feb. 4, 2014
8639623 Transaction processing Jan. 28, 2014
8639619 Secure payment method and system Jan. 28, 2014
8639535 System and method for providing financial products for a deductible portion of an insurance policy Jan. 28, 2014
8639215 SIM-centric mobile commerce system for deployment in a legacy network infrastructure Jan. 28, 2014
8636210 Receipt images apparatus and method Jan. 28, 2014
8635157 Mobile system and method for payments and non-financial transactions Jan. 21, 2014
8635154 Environment customization based on location Jan. 21, 2014
8635153 Message routing using logically independent recipient identifiers Jan. 21, 2014
8635152 Multi tenancy for single tenancy applications Jan. 21, 2014
8635151 Method and system for handling method level processing in connection with cardholder account processing Jan. 21, 2014
8635137 Automatic savings program Jan. 21, 2014
8635135 Persistent sales agent for complex online transactions Jan. 21, 2014
8635112 Locating and organizing digital receipt data for use in in-store audits Jan. 21, 2014
8632002 Real-time security verification for banking cards Jan. 21, 2014
8630955 Financial card system, communications device, authentication terminal, authentication method, and program Jan. 14, 2014
8630951 Systems and methods for electronically circulating a currency Jan. 14, 2014

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