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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
8527400 Automated account risk management Sep. 3, 2013
8527385 Stakeholder collaboration Sep. 3, 2013
8527380 System and methods for servicing electronic transactions Sep. 3, 2013
8527360 Methods and systems for conducting payment transactions Sep. 3, 2013
8527289 System and method for providing configuration and settlement processing of financial transactions using a hierarchy node model Sep. 3, 2013
8523060 Portable consumer device for use in currency conversion process Sep. 3, 2013
8523057 Automated banking machine that operates responsive to data read from data bearing records Sep. 3, 2013
8523054 Gift card conversion and digital wallet Sep. 3, 2013
RE44467 Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities Aug. 27, 2013
8521648 Consolidated payment options Aug. 27, 2013
8521646 System and method for assigning an initial transaction fee tier to a vendor in a payment system with a variable transaction fee Aug. 27, 2013
8521645 Method and system for facilitating switching of financial institution accounts Aug. 27, 2013
8521643 System and method for on-line payment transactions Aug. 27, 2013
8521569 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions Aug. 27, 2013
8515871 Authorizing use of a financial instrument Aug. 20, 2013
8515868 Multiple account advanced payment card and method of routing card transactions Aug. 20, 2013
8515865 Methods, systems, and products for charging batteries Aug. 20, 2013
8515864 Pay request system Aug. 20, 2013
8515839 Automatically determining a current value for a real estate property, such as a home, that is tailored to input from a human user, such as its owner Aug. 20, 2013
8515836 System and method for associating financial transaction data with user's project data using a portable electronic device Aug. 20, 2013
8515787 System and method for processing and transmitting payroll-related data for insurance transactions Aug. 20, 2013
8511543 Gift card conversion and digital wallet Aug. 20, 2013
8510228 Transfer method of electronic cash Aug. 13, 2013
8510222 Automated teller machine with virtual bank sharing Aug. 13, 2013
8510220 Methods and systems for viewing aggregated payment obligations in a mobile environment Aug. 13, 2013
8510219 Billing management package for internet access and web page utilization Aug. 13, 2013
8510218 System and method for consumer control over card-based transactions Aug. 13, 2013
8510217 Internet-calling card Aug. 13, 2013
8510194 Systems and methods for dynamic configuration of software agents for transfer operations Aug. 13, 2013
8510191 Method and system for financing acquisition of vehicles Aug. 13, 2013
8510188 Receiver driven money transfer alert system Aug. 13, 2013
8510162 Loyalty host interface Aug. 13, 2013
8509734 Location aware transaction authorization Aug. 13, 2013
8504477 Systems, methods and computer program products for automating financial institution client positive pay return decisions Aug. 6, 2013
8504475 Systems and methods for enrolling users in a payment service Aug. 6, 2013
8504474 Consolidated payment account system and method Aug. 6, 2013
8504473 Money transfer system and messaging system Aug. 6, 2013
8504469 Detecting credit misuse Aug. 6, 2013
8504455 Acquisition wave management Aug. 6, 2013
8498943 Secure and recoverable database for on-line value-bearing item system Jul. 30, 2013
8498939 Post-paid, single click payments Jul. 30, 2013
8498937 Managing financial accounts associated with residents of controlled-environment facilities Jul. 30, 2013
8498934 Multi-account payment consolidation system Jul. 30, 2013
8498933 Systems and methods for providing enhanced account management services for multiple banks Jul. 30, 2013
8498932 Card based transfer account Jul. 30, 2013
8498909 System and method for associating financial transaction data with user's project data in cash transactions Jul. 30, 2013
8498902 Process and system for the clearing and settling of transactions Jul. 30, 2013
8496168 Banking system controlled responsive to data bearing records Jul. 30, 2013
8494960 System, program product, and computer-implemented method for loading a loan on a pre-paid card Jul. 23, 2013
8494956 Internet funds transfer system using ATM pickup Jul. 23, 2013

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