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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
7233918 Rating billing events in real time according to account usage information Jun. 19, 2007
7231368 E-ticket validation protocol Jun. 12, 2007
7228292 Card-based system and method for issuing negotiable instruments Jun. 5, 2007
7225253 Versatile network operations center and network for transaction processing May. 29, 2007
7225156 Persistent dynamic payment service May. 29, 2007
7225155 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange May. 29, 2007
7225154 Methods and systems for coordinating pooled financial transactions May. 29, 2007
7222097 Anonymous credit card May. 22, 2007
7222093 System and method for facilitating investment account transfers May. 22, 2007
7219149 Versatile terminal adapter and network for transaction processing May. 15, 2007
7219082 Financial management system May. 15, 2007
7216105 Offline code based reloading system May. 8, 2007
7213003 Bill payment system and method utilizing bank routing numbers May. 1, 2007
7209903 Method and system for facilitation of wireless e-commerce transactions Apr. 24, 2007
7209897 Systems and methods for charge-back invoice generation Apr. 24, 2007
7206768 Electronic multiparty accounts receivable and accounts payable system Apr. 17, 2007
7206763 Method and system for commodity-based currency for payment of accounts Apr. 17, 2007
7203657 General packet-based payment and transaction method and system Apr. 10, 2007
7200571 Computerized auction system for use with multiple purchasing media Apr. 3, 2007
7200551 Automated bill payment system Apr. 3, 2007
7197468 Method and system for processing transactions involving accounts for reimbursing medical expenses or patient responsible balances with multiple transaction substantiation modes Mar. 27, 2007
7194437 Computer-based funds transfer system Mar. 20, 2007
7194436 Method and system for internet based financial auto credit application Mar. 20, 2007
7191938 Systems and methods for enterprise based issuance of identification cards Mar. 20, 2007
7191151 Instant availability of electronically transferred funds Mar. 13, 2007
7188763 Method and server of providing lotto using bill and receipt of credit card or debit card Mar. 13, 2007
7184989 Staged transactions systems and methods Feb. 27, 2007
7184980 Online incremental payment method Feb. 27, 2007
7184979 Dual accounts banking system Feb. 27, 2007
7184747 System and method for implementing financial transactions using cellular telephone data Feb. 27, 2007
7182252 Methods and systems for transferring funds Feb. 27, 2007
7181432 Electronic purchasing method and apparatus for performing the same Feb. 20, 2007
7181429 Apparatus and method for storing electronic money Feb. 20, 2007
7181427 Automated credit application system Feb. 20, 2007
7181426 Method and systems for space reservation on parking lots with mechanisms for space auctioning, over-booking, reservation period extensions, and incentives Feb. 20, 2007
7181411 Method for selling upgrade packages in papermaking Feb. 20, 2007
7177835 Method and device for generating a single-use financial account number Feb. 13, 2007
7174302 System and method for processing flexible spending account transactions Feb. 6, 2007
7171382 Method and system of enabling minors to make stock market transactions via the Internet with adult authorization Jan. 30, 2007
7168615 Keycard for automating transaction requests Jan. 30, 2007
7165052 Payment service method and system Jan. 16, 2007
7165051 Electronic commerce system and method for detecting fraud Jan. 16, 2007
7165049 Sponsor funded stored value card Jan. 16, 2007
7165046 System and method for an efficient dynamic multi-unit auction Jan. 16, 2007
7162455 Unique time generating device and authenticating device using the same Jan. 9, 2007
7162451 Information content distribution based on privacy and/or personal information Jan. 9, 2007
7158955 Electronic identifier payment systems and methods Jan. 2, 2007
7156294 System for marketing leisure activity services through prepaid tickets Jan. 2, 2007
7146342 Payment system and method for use in an electronic commerce system Dec. 5, 2006
7143936 System and method for calculating expected approval rates Dec. 5, 2006

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