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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
8612344 Online processing for offshore business transactions Dec. 17, 2013
8612343 Network based payment service capable of generating coding for adding payment objects to pages of external sites Dec. 17, 2013
8612342 Notification of the availability of electronic bills Dec. 17, 2013
8612341 Computerized funding of a second financial account by a first financial card Dec. 17, 2013
8612340 System and method for detecting account compromises Dec. 17, 2013
8612325 Automatic authentication and funding method Dec. 17, 2013
8612317 Receipt visualization and receipt data applications Dec. 17, 2013
8612305 User enhanced authentication system for online purchases Dec. 17, 2013
8606909 Real-time notification of presence availability Dec. 10, 2013
8606719 System for management of alternatively priced transactions on network Dec. 10, 2013
8606703 Method for transferring money using email Dec. 10, 2013
8606702 Financial transaction authentication servers, methods, and computer program products for facilitating financial transactions between buyers and sellers Dec. 10, 2013
8606701 Establishing personalized mobile money transfer limits Dec. 10, 2013
8606700 Systems and methods for secure and transparent cardless transactions Dec. 10, 2013
8606699 Management system for the protection of mortgage equity Dec. 10, 2013
8606698 Electronic transaction receipt system and method Dec. 10, 2013
8606697 Method and system for providing buyer bank payable discounting services Dec. 10, 2013
8606691 System, method and computer program product for determining loan purchase eligibility Dec. 10, 2013
8606676 System and method for allocating excess funds in control account Dec. 10, 2013
8606666 System and method for providing an aggregation tool Dec. 10, 2013
8606662 Methods and systems for managing co-brand proprietary financial transaction processing Dec. 10, 2013
8602300 Systems and methods for dynamically valuating a gift card Dec. 10, 2013
8600894 Three-stage, double blind credit rating of securities Dec. 3, 2013
8600883 Mobile barcode generation and payment Dec. 3, 2013
8600882 Prepaid card budgeting Dec. 3, 2013
8600881 System and method for uniquely identifying point of sale devices in an open payment network Dec. 3, 2013
8600880 Method and system for providing point of sale services Dec. 3, 2013
8600879 Method and system for effecting payment by checks through the use of image replacement documents Dec. 3, 2013
8600877 Customer assistance system Dec. 3, 2013
8600876 Customer assistance system Dec. 3, 2013
8600872 System and method for detecting account compromises Dec. 3, 2013
8600869 System and method for assigning a line of credit to a credit card account Dec. 3, 2013
8600845 System and method for reconciling one or more financial transactions Dec. 3, 2013
8600782 Automation of auditing claims Dec. 3, 2013
8596529 Interactive interface effectuated vending Dec. 3, 2013
8595137 Bankcard cash disbursements at casinos Nov. 26, 2013
8595134 Apparatus and method for bill presentment and payment Nov. 26, 2013
8595133 System and method for satisfying a transaction amount from an alternative funding source Nov. 26, 2013
8595132 System and methods for servicing electronic transactions Nov. 26, 2013
8595131 Method for paying for a service offered by means of a data network Nov. 26, 2013
8595109 Systems and methods for securitizing a commodity Nov. 26, 2013
8595102 Insured deposit note program Nov. 26, 2013
8595096 Prioritizing checks for electronic check processing Nov. 26, 2013
8595083 Method and system for processing internet payments using the electronic funds transfer network Nov. 26, 2013
8595040 Associate risk analysis Nov. 26, 2013
8595032 Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts Nov. 26, 2013
8589297 Prepaid value account with reversion to purchaser systems and methods Nov. 19, 2013
8589295 Transfer account systems, computer program products, and associated computer-implemented methods Nov. 19, 2013
8589294 System and method for transferring a line of credit balance to a cash account Nov. 19, 2013
8589293 Message routing using logically independent recipient identifiers Nov. 19, 2013

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