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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
8554575 System and method for processing flexible spending account transactions Oct. 8, 2013
8554387 Method, device and system for responsive load management using frequency regulation credits Oct. 8, 2013
RE44513 Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service Oct. 1, 2013
8548931 System and method for electronic transaction verification Oct. 1, 2013
8548926 Method and apparatus for global replacement card services Oct. 1, 2013
8548911 Devices and methods for disaster-relief support Oct. 1, 2013
8548906 Method and apparatus for automatic savings upon event detection Oct. 1, 2013
8548904 Transaction risk analyzer Oct. 1, 2013
8548886 Account opening system, method and computer program product Oct. 1, 2013
8543509 Payment system for transactions benefitting charities Sep. 24, 2013
8543497 Secure authentication payment system Sep. 24, 2013
8543496 User experience on mobile phone Sep. 24, 2013
8543495 Online electronic transaction and funds transfer method and system Sep. 24, 2013
8543494 Shared appreciation loan modification system and method Sep. 24, 2013
8543491 System and method for managing trading orders with decaying reserves Sep. 24, 2013
8543481 Method for aggregating and valuing intellectual property in an exchange Sep. 24, 2013
8543477 Value tracking and reporting of automated clearing house transactions Sep. 24, 2013
8543475 System and method for obtaining automated third-party confirmations in receivables factoring Sep. 24, 2013
8543091 Secure short message service (SMS) communications Sep. 24, 2013
8542949 TIFF validation Sep. 24, 2013
8540151 Method and system for optimizing the usefulness of a credit and debit card portfolio Sep. 24, 2013
8540150 Anonymous transaction card Sep. 24, 2013
RE44502 System and method for multi-currency transactions Sep. 17, 2013
8538885 Encryption switch processing Sep. 17, 2013
8538883 Method and system for digital document management on a mobile device Sep. 17, 2013
8538882 User alerts for monitored transactions at automatic teller machines Sep. 17, 2013
8538879 System, program product, and computer-implemented method for loading a loan on an existing pre-paid card Sep. 17, 2013
8538876 System and method for providing borrowing schemes Sep. 17, 2013
8538873 Communication network for gathering information and performing electronic transactions Sep. 17, 2013
8538872 Credit card account shadowing Sep. 17, 2013
8538871 Method for facilitating payment of a computerized transaction Sep. 17, 2013
8538870 Electronic purchasing and funds transfer systems and methods Sep. 17, 2013
8538868 Method and system for preparing a transfer document Sep. 17, 2013
8538866 System and method for processing bankruptcy claims Sep. 17, 2013
8538839 System, method, and program product for unit transfer fee processing Sep. 17, 2013
8538806 Systems and methods for establishing transactions utilizing a data store of billing information Sep. 17, 2013
8538801 System and method for processing financial transactions Sep. 17, 2013
8533115 Payment services for multi-national corporations Sep. 10, 2013
8533112 Method and system for providing a digital money infrastructure using mobile telephony Sep. 10, 2013
8533111 System and method for providing promotional pricing Sep. 10, 2013
8533098 Automated trading system and methodology for realtime identification of statistical arbitrage market opportunities Sep. 10, 2013
8533085 Method for aggregating and valuing intellectual property in an exchange Sep. 10, 2013
8532565 Transparent commodity trading networks and methods of facilitating transactions among buyers and sellers of products and services Sep. 10, 2013
8527417 Methods and systems for authenticating an identity of a payer in a financial transaction Sep. 3, 2013
8527409 Auditing and reconciling custodial accounts Sep. 3, 2013
8527408 Integrated payment system Sep. 3, 2013
8527407 Process and device for conducting electronic transactions using wireless and cellular devices Sep. 3, 2013
8527406 Systems for financial and electronic commerce Sep. 3, 2013
8527405 Early payment rewards system and method Sep. 3, 2013
8527404 Merchant-initiated adjustments Sep. 3, 2013

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