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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
8630945 Method for transaction processing in a capture and deposit Jan. 14, 2014
8630944 Charitable donation of proceeds from recycling activity Jan. 14, 2014
8630943 Cash sweep account platform system and method Jan. 14, 2014
8630942 Method of billing a purchase made over a computer network Jan. 14, 2014
8630931 System and method for funding companies Jan. 14, 2014
8630926 System, method, and program product for unit transfer fee processing Jan. 14, 2014
8630922 Escrow accommodation system Jan. 14, 2014
8630907 Secure transactions using a point of sale device Jan. 14, 2014
8626664 Methods and systems for providing enhanced data for co-brand payment card transactions Jan. 7, 2014
8626660 Time-of-transaction foreign currency conversion Jan. 7, 2014
8626659 Facilitating presentation of content relating to a financial transaction Jan. 7, 2014
8626654 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange Jan. 7, 2014
8626653 Methods and systems for processing electronic cross-border payments Jan. 7, 2014
8626652 Method for electronic transaction settlement Jan. 7, 2014
8626651 Automatic restitution of transaction fees, punishment of non-paying bidders, and management of appeals Jan. 7, 2014
8626650 Gradual conversion of financial accounts Jan. 7, 2014
8626649 Systems and methods for providing loan management from cash or deferred income arrangements Jan. 7, 2014
8626648 Method and system for user signup by a network service provider Jan. 7, 2014
8626644 Systems and methods for loan option customization Jan. 7, 2014
8626638 Systems and methods for using declining balance methodologies to enhance clearing of dividend futures and other instruments Jan. 7, 2014
8626632 System and method for margin loan securitization Jan. 7, 2014
8626626 Method of and system for capturing interest earned on the monetary value of transferred monetary rights managed on an internet-based monetary rights transfer (MRT) network supported by a real- Jan. 7, 2014
8626117 System and method for providing prepaid billing for instant messaging users Jan. 7, 2014
8625875 Document imaging and processing system for performing blind balancing and display conditions Jan. 7, 2014
8621220 Systems and methods for identity encapsulated cryptography Dec. 31, 2013
8620826 System and method for receiving requests for tasks from unregistered devices Dec. 31, 2013
8620825 System and method to establish a pin Dec. 31, 2013
8620823 Media device payments remote control personalization and protection Dec. 31, 2013
8620807 Methods and systems for electronic bill presentment and payment Dec. 31, 2013
8620806 Merchant data cleansing in clearing record Dec. 31, 2013
8620805 Methods and systems for processing payments globally over one of a plurality of processing paths Dec. 31, 2013
8620804 Allocating research funding Dec. 31, 2013
8620803 Systems and methods for customized electronic funds distribution Dec. 31, 2013
8620801 Total structural risk model Dec. 31, 2013
8620798 System and method using predicted consumer behavior to reduce use of transaction risk analysis and transaction denials Dec. 31, 2013
8620788 System and method for dynamic financial account management Dec. 31, 2013
8620780 System and method for data management and financial transaction categorization Dec. 31, 2013
8620755 Locating and organizing digital receipt data for use in in-store audits Dec. 31, 2013
8620723 System and method for generating a community contribution index Dec. 31, 2013
8620288 Targeted mobile content insertion and/or replacement Dec. 31, 2013
8620260 Payment application download to mobile phone and phone personalization Dec. 31, 2013
8620058 Methods for mobile image capture and processing of documents Dec. 31, 2013
8615466 Method and system for downloading information into a secure element of an electronic device Dec. 24, 2013
8615465 Real-time security verification for banking cards Dec. 24, 2013
8615457 Payment entity device reconciliation for multiple payment methods Dec. 24, 2013
8615456 Enhanced system and method for managing financial market information Dec. 24, 2013
8615438 Time-dependent response to user-determined unauthorized transaction Dec. 24, 2013
8612350 Travel account Dec. 17, 2013
8612346 Method and system for closed loop collect on delivery (C.O.D.) payments Dec. 17, 2013
8612345 Routing for direct to account payments Dec. 17, 2013

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