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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 737
705/41 Having programming of a portable memory device (e.g., ic card, "electronic purse") 411
705/42 Remote banking (e.g., home banking) 311
705/44 Requiring authorization or authentication 555
705/45 With paper check handling 223


Patents under this class:
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

Patent Number Title Of Patent Date Issued
7386506 Fraud score calculating program, method of calculating fraud score, and fraud score calculating system for credit cards Jun. 10, 2008
7386502 Method, software program, and system for structuring risk in a financial transaction Jun. 10, 2008
7386499 Stock trading limit order coupled link (Lock) Jun. 10, 2008
7386494 Method and apparatus for receiving a subscription for a security Jun. 10, 2008
7383252 Advanced search algorithm with integrated business intelligence Jun. 3, 2008
7383225 Module for the interconnectivity of independent software applications Jun. 3, 2008
7383224 Systems and methods for processing credit card transactions that exceed a credit limit Jun. 3, 2008
7383223 Method and apparatus for managing multiple accounts Jun. 3, 2008
7383213 Apparatus and method for maintaining a children's automated bank account Jun. 3, 2008
7379972 System and method for granting deposit-contingent e-mailing rights May. 27, 2008
7379916 System and method for private secure financial transactions May. 27, 2008
7379913 Anonymous transaction system May. 27, 2008
7379901 Accessing a vendor web site using personal account information retrieved from a credit card company web site May. 27, 2008
7377427 Method, apparatus and POS system for processing credit card transactions associated with POS sales May. 27, 2008
7376628 Methods and systems for carrying out contingency-dependent payments via secure electronic bank drafts supported by online letters of credit and/or online performance bonds May. 20, 2008
7376618 Detecting and measuring risk with predictive models using content mining May. 20, 2008
7376613 Business method for comparison shopping with dynamic pricing over a network May. 20, 2008
7376592 System and method for using a unique identifier to integrate an offline experience with an online experience May. 20, 2008
7373329 Systems and methods for implementing person-to-person money exchange May. 13, 2008
7373328 Method, software program, and system for managing debt May. 13, 2008
7373322 Two-way wireless communication system for financial industry transactions May. 13, 2008
7370014 Electronic bill presentment and payment system that obtains user bill information from biller web sites May. 6, 2008
7370012 Electronic payment system May. 6, 2008
7370011 Financial information portal May. 6, 2008
7366696 Electronic billing with flexible biller controlled electronic bill presentment Apr. 29, 2008
7366695 Electronic purchase method and funds transfer system Apr. 29, 2008
7366502 Sending method of pay contents, radio terminal and carrier Apr. 29, 2008
7363270 System and method for settling trades in a digital merchant exchange Apr. 22, 2008
7363269 Conversational dealing system Apr. 22, 2008
7363264 Processing business transactions using dynamic database packageset switching Apr. 22, 2008
7363263 Method and system for representing dependencies in a financial plan Apr. 22, 2008
7360693 System and method for a card benefit program providing benefits to program members based on program performance Apr. 22, 2008
7359880 System and method for consumer control over card-based transactions Apr. 15, 2008
7356837 Centralized identification and authentication system and method Apr. 8, 2008
7356541 Processing business data using user-configured keys Apr. 8, 2008
7356515 Method and system for transferring an electronic sum of money from a credit memory Apr. 8, 2008
7356506 Methods and apparatus for evaluating a credit application Apr. 8, 2008
7356505 System and method for transferring funds Apr. 8, 2008
7356504 Methods for determining value at risk Apr. 8, 2008
7356502 Internet based payment system Apr. 8, 2008
7353991 System and method for managing wireless point-of-sale transactions Apr. 8, 2008
7353208 Transaction processing using intermediate server architecture Apr. 1, 2008
7353203 System and method for invoice confirmation and funding Apr. 1, 2008
7350707 Device for digitizing and processing checks and driver licenses Apr. 1, 2008
7350697 Alternative payment devices using electronic check processing as a payment mechanism Apr. 1, 2008
7347359 Self-service terminal Mar. 25, 2008
7346579 Electronic purse application system and method thereof Mar. 18, 2008
7346578 Electronic cashing card settlement system Mar. 18, 2008
7343344 Electronic payment system using accounting function in a mobile communication network Mar. 11, 2008
7343336 Computerized system and method for optimizing after-tax proceeds Mar. 11, 2008

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