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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
7292996 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 Nov. 6, 2007
7290704 Method and system relating to a multi-lateral trade engine for payment transactions Nov. 6, 2007
7289971 Personal information security and exchange tool Oct. 30, 2007
7289970 Method to electronically track personal credit information Oct. 30, 2007
7287692 System and method for securing transactions in a contact center environment Oct. 30, 2007
7287009 System and a method for carrying out personal and business transactions Oct. 23, 2007
7286655 Service accounting system and method Oct. 23, 2007
7284696 Change card Oct. 23, 2007
7283981 Browser-based system for ordering financial products Oct. 16, 2007
7275685 Method for electronic payment Oct. 2, 2007
7275683 Stored-value card assembly with package Oct. 2, 2007
7275024 Automatic generation of a dimensional model for business analytics from an object model for online transaction processing Sep. 25, 2007
7272575 Method and system for facilitating service transactions Sep. 18, 2007
7269575 System and method for processing foreign currency payment instructions contained in bulk files Sep. 11, 2007
7269417 Information services enhancements Sep. 11, 2007
7267263 Foreign currency conversion system Sep. 11, 2007
7266526 Automated banking machine system with multiple browsers Sep. 4, 2007
7266525 Invoiceless trading and settlement method and system Sep. 4, 2007
7266522 Method and system in electronic commerce for uniquely identifying products to improve reliability and confidence in transactions initiated online Sep. 4, 2007
7263507 Customer activated multi-value (CAM) card Aug. 28, 2007
7263506 Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites Aug. 28, 2007
7258274 Money remittance method Aug. 21, 2007
7258269 Cash dispensing automated banking machine user interface system and method Aug. 21, 2007
7258268 Method and apparatus for money transfer Aug. 21, 2007
7257246 Check cashing systems and methods Aug. 14, 2007
7255267 Method and system for multiple income-generating business card and referral network Aug. 14, 2007
7254556 System and method for paying down debt using an equity loan revolving line of credit Aug. 7, 2007
7251633 Method or system for executing deferred transactions Jul. 31, 2007
7251626 Apparatus and method for indicating the status of transaction function devices in an automated banking machine Jul. 31, 2007
7249098 Subscription-based payment Jul. 24, 2007
7249097 Method for ordering goods, services, and content over an internetwork using a virtual payment account Jul. 24, 2007
7249096 Systems and methods for facilitating a distribution of bank accounts via an educational institution Jul. 24, 2007
7249095 System and method for executing deposit transactions over the internet Jul. 24, 2007
7249094 System and method for depicting on-line transactions Jul. 24, 2007
7249093 Method of and system for making purchases over a computer network Jul. 24, 2007
7249082 Method and system for multi-period performance attribution with metric-preserving coefficients Jul. 24, 2007
7249079 Method and system for multi-period performance attribution Jul. 24, 2007
7249078 On-line interactive system and method for transacting business Jul. 24, 2007
7249076 Method for providing credit offering and credit management information services Jul. 24, 2007
7249055 Method and system for managing and conducting a network auction Jul. 24, 2007
7246094 Method of structuring a credit entailing a fixed payment component and a variable payment component Jul. 17, 2007
7246092 Montage for an electronic market Jul. 17, 2007
7246091 Method and system for multi-period performance attribution Jul. 17, 2007
RE39736 Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities Jul. 17, 2007
7240036 Method and system for facilitation of wireless e-commerce transactions Jul. 3, 2007
7240034 Method for secure electronic transaction and corresponding system Jul. 3, 2007
7240031 Bill payment system and method with a master merchant database Jul. 3, 2007
7236950 Method and system of combined billing of multiple accounts on a single statement Jun. 26, 2007
7236943 Charitable contribution station with promotional game piece feature Jun. 26, 2007
7233920 System and apparatus for credit transaction data transmission Jun. 19, 2007

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