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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 585
705/41 Having programming of a portable memory device (e.g., ic card, "electronic purse") 358
705/42 Remote banking (e.g., home banking) 259
705/44 Requiring authorization or authentication 476
705/45 With paper check handling 185


Patents under this class:
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

Patent Number Title Of Patent Date Issued
7156294 System for marketing leisure activity services through prepaid tickets Jan. 2, 2007
7146342 Payment system and method for use in an electronic commerce system Dec. 5, 2006
7143936 System and method for calculating expected approval rates Dec. 5, 2006
7143060 Trading party profiles in system for facilitating trade processing and trade management Nov. 28, 2006
7143062 Electronic cash eliminating payment risk Nov. 28, 2006
7143064 Controlled entertainment spending account Nov. 28, 2006
7143063 Method and apparatus for a verifiable on line rejection of an applicant for credit Nov. 28, 2006
7140538 Methods and apparatus for facilitating a currency exchange transaction Nov. 28, 2006
7139694 Method and system for tranferring an electronic sum of money from a credit memory Nov. 21, 2006
7136836 Accounting and reconciliation system Nov. 14, 2006
7136835 Credit card system and method Nov. 14, 2006
7133935 System and method for real-time electronic inquiry, delivery, and reporting of credit information Nov. 7, 2006
7133843 Easy check-out with enhanced security Nov. 7, 2006
7131571 Alternative payment devices using electronic check processing as a payment mechanism Nov. 7, 2006
7130826 Method and apparatus for conducting coinless transactions Oct. 31, 2006
7131108 Software development system having particular adaptability to financial payment switches Oct. 31, 2006
7124113 System and method for verifying, setting, printing and guaranteeing checks at a remote location Oct. 17, 2006
7124111 Service charge adjustment platform Oct. 17, 2006
7120602 Bill availability notification and billing information request Oct. 10, 2006
7118030 Systems and methods for interfacing location-base devices Oct. 10, 2006
7117165 Operating resource management system Oct. 3, 2006
7117183 Airline ticket payment and reservation system and methods Oct. 3, 2006
7113299 Printing with credit card as identification Sep. 26, 2006
7110959 Processing and management of transaction timing characteristics Sep. 19, 2006
7110978 Internet-based money order system Sep. 19, 2006
7110979 Secure payment method and system Sep. 19, 2006
7110980 System and method for facilitating electronic transfer of funds Sep. 19, 2006
7107078 Method and system for the effecting payments by means of a mobile station Sep. 12, 2006
7107250 Apparatus for credential authorisation Sep. 12, 2006
7107242 Electronic transaction security method Sep. 12, 2006
7107245 Biometric gaming access system Sep. 12, 2006
7107249 Electronic identifier payment systems and methods Sep. 12, 2006
7103571 Electronic settlement system using prepaid type electronic money Sep. 5, 2006
7103572 Electronic asset utilization system, electronic asset utilization method, server for use with electronic asset utilization system, and recording medium having recorded thereon electronic asset Sep. 5, 2006
7103577 Systems and methods for staging transactions, payments and collections Sep. 5, 2006
7100821 Charge card and debit transactions using a variable charge number Sep. 5, 2006
7099841 Methods and systems for trading permanent seat licenses Aug. 29, 2006
7099844 Installation and method for trading in inflation Aug. 29, 2006
7096003 Transaction security apparatus Aug. 22, 2006
7096198 Internet web site program for the purchase, issue and dispensing of debit cards Aug. 22, 2006
7096200 System and method for evaluating and enhancing source anonymity for encrypted web traffic Aug. 22, 2006
7096205 Systems and methods for enrolling consumers in goods and services Aug. 22, 2006
7092905 Systems and methods for the processing of financial transactions Aug. 15, 2006
7092913 System for inexpensively executing online purchases Aug. 15, 2006
7092916 Electronic identifier payment system and methods Aug. 15, 2006
7089201 Method and apparatus for providing retirement income benefits Aug. 8, 2006
7086586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance Aug. 8, 2006
7089208 System and method for electronically exchanging value among distributed users Aug. 8, 2006
7089209 Method for revaluing a phone card Aug. 8, 2006
7083084 System and method for managing stored-value card data Aug. 1, 2006

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