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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
7343335 Method for managing group finances via an electronic network Mar. 11, 2008
7343333 Method and system for converting an annuity fund to a life insurance policy Mar. 11, 2008
7343149 Network support for credit card notification Mar. 11, 2008
7340426 Event-triggered transaction processing for electronic data interchange Mar. 4, 2008
7340423 Method for defining a relationship between an account and a group Mar. 4, 2008
7337950 Transaction workflow and data collection system Mar. 4, 2008
7337949 System for marketing leisure activity services through prepaid tickets Mar. 4, 2008
7337947 Prepaid account and card Mar. 4, 2008
7337145 E-money managing method and system, e-money managing/holding medium, computer-readable recording medium in which e-money managing program is recorded, e-value managing/holding medium, and e-va Feb. 26, 2008
7337143 Method for managing payment and payment managing system Feb. 26, 2008
7337142 Multiple exchange rate tracking in a financial transaction manager Feb. 26, 2008
7333955 System and method for securing communication service Feb. 19, 2008
7333953 Method and apparatus for integrated payments processing and decisioning for internet transactions Feb. 19, 2008
7333937 Health care financing method Feb. 19, 2008
7331518 Transaction processing systems and methods Feb. 19, 2008
7330835 Method and system for tracking and reporting automated clearing house transaction status Feb. 12, 2008
7328844 Point-of-transaction machine with improved versatility and related method Feb. 12, 2008
7328840 Electronic money system and transaction method using the same Feb. 12, 2008
7328190 System and method for adding value to a stored-value account Feb. 5, 2008
7328188 Dynamic currency conversion for card payment systems Feb. 5, 2008
7328187 System and method for issuing cyber payment means marked with business identification information and processing transactions with the cyber payment means on computer network Feb. 5, 2008
7328181 Method and system for transacting an anonymous purchase over the internet Feb. 5, 2008
7327999 Apparatus and method for managing SMS messages in HHP Feb. 5, 2008
7324972 Managing transactions on a network: four or more parties Jan. 29, 2008
7321876 Method and apparatus for increasing charitable donations by providing instantaneous donor recognition Jan. 22, 2008
7319986 Dynamic payment cards and related management systems and associated methods Jan. 15, 2008
7319985 Loan product and system and method for providing and monitoring a loan product Jan. 15, 2008
7319983 Account status system and method for managing a closing of a user account Jan. 15, 2008
7319855 Method for charging internet services via a mobile telephone Jan. 15, 2008
7318049 System and method for an automated benefit recognition, acquisition, value exchange, and transaction settlement system using multivariable linear and nonlinear modeling Jan. 8, 2008
7318048 Method of and system for authorizing purchases made over a computer network Jan. 8, 2008
7318047 Method and apparatus for providing electronic refunds in an online payment system Jan. 8, 2008
7315836 Method for obtaining and allocating investment income based on the capitalization of intellectual property Jan. 1, 2008
7313545 System and method for detecting fraudulent calls Dec. 25, 2007
7313544 System and method for restricting over-limit accounts Dec. 25, 2007
7313543 System and method for dividing a remittance and distributing a portion of the funds to multiple investment products Dec. 25, 2007
7313542 System and method for processing retrieval requests Dec. 25, 2007
7311246 Method and system for transmitting electronic value information Dec. 25, 2007
7309008 System and method for calculating expected approval rates Dec. 18, 2007
7309003 Credit card account payment systems and methods Dec. 18, 2007
7308487 System and method for providing fault-tolerant remote controlled computing devices Dec. 11, 2007
7308429 Electronic withdrawal authorization store and forward for cash and credit accounts Dec. 11, 2007
7308426 System and methods for servicing electronic transactions Dec. 11, 2007
7303122 Methods and systems for providing a financial account charging a flat amount Dec. 4, 2007
7302413 Systems and methods for providing loan management from cash or deferred income arrangements Nov. 27, 2007
7302411 Electronic Billing with required viewing of supplemental information Nov. 27, 2007
7299477 Identification of the source of a client/server flow Nov. 20, 2007
7293704 Keycard for automating transaction requests Nov. 13, 2007
7292998 System and method for adding value to a stored-value account Nov. 6, 2007
7292997 Apparatus and method of receiving order, storage medium, and method of point service Nov. 6, 2007

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