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Class Information
Number: 705/44
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 > Requiring authorization or authentication
Description: Subject matter in which an approval is required prior to effecting a funds transfer between accounts.


Patents under this class:
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Patent Number Title Of Patent Date Issued
7107242 Electronic transaction security method Sep. 12, 2006
7103575 Enabling use of smart cards by consumer devices for internet commerce Sep. 5, 2006
7103580 Negotiation using intelligent agents Sep. 5, 2006
7103577 Systems and methods for staging transactions, payments and collections Sep. 5, 2006
7096363 Person identification certificate link system, information processing apparatus, information processing method, and program providing medium Aug. 22, 2006
7096205 Systems and methods for enrolling consumers in goods and services Aug. 22, 2006
7096005 Method of carrying out a safe remote electronic signing by cellular phone Aug. 22, 2006
7096200 System and method for evaluating and enhancing source anonymity for encrypted web traffic Aug. 22, 2006
7092916 Electronic identifier payment system and methods Aug. 15, 2006
7093281 Casual access application with context sensitive pin authentication Aug. 15, 2006
7089209 Method for revaluing a phone card Aug. 8, 2006
7083084 System and method for managing stored-value card data Aug. 1, 2006
7085744 Method and system for conducting a transaction over a network Aug. 1, 2006
7072870 System and method for providing authorization and other services Jul. 4, 2006
7072864 Customer activated multi-value (CAM) card Jul. 4, 2006
7069248 Method for confirming transactions Jun. 27, 2006
7069241 Method and system for unified management of plurality of assets using computer network Jun. 27, 2006
7065506 Method and apparatus to inhibit illicit copying from a record carrier to a computer-readable data storage device Jun. 20, 2006
7058611 Method and system for conducting secure electronic commerce transactions with authorization request data loop-back Jun. 6, 2006
7058804 Data storing system, issuing apparatus, data providing apparatus and computer readable medium storing data storing program Jun. 6, 2006
7054843 Method and apparatus in a telecommunications system May. 30, 2006
7051002 Universal merchant platform for payment authentication May. 23, 2006
7047404 Method and apparatus for self-authenticating digital records May. 16, 2006
7047202 Method and apparatus for optimizing networking potential using a secured system for an online community May. 16, 2006
7039611 Managing attempts to initiate authentication of electronic commerce card transactions May. 2, 2006
7035823 Telecommunications system for generating a three-level customer behavior profile and for detecting deviation from the profile to identify fraud Apr. 25, 2006
7028193 Method and apparatus for determining the validity of a data processing transaction Apr. 11, 2006
7028052 Systems and methods for notifying a consumer of changes made to a credit report Apr. 11, 2006
7020629 Momentum investment system, process and product Mar. 28, 2006
7016875 Single sign-on for access to a central data repository Mar. 21, 2006
7007000 Secure online purchasing Feb. 28, 2006
7004382 Payment validation network Feb. 28, 2006
7003471 Method and system for accepting non-toxic mail that has an indication of the mailer on the mail Feb. 21, 2006
7003495 Portable electronic authorization system and method Feb. 21, 2006
7003493 Direct payment with token Feb. 21, 2006
6999944 Method and apparatus for authorizing and billing communications services using a bank card financial network Feb. 14, 2006
7000105 System and method for transparently providing certificate validation and other services within an electronic transaction Feb. 14, 2006
7000019 Establishment of a deferred network communication session Feb. 14, 2006
6996542 System and method for paying bills and other obligations including selective payor and payee controls Feb. 7, 2006
6993505 Method and system for performing CRA, HMDA, and fair lending analysis and reporting for a financial institution Jan. 31, 2006
6991158 Mobile paper record processing system Jan. 31, 2006
6988085 System and method for real-time electronic inquiry, delivery, and reporting of credit information Jan. 17, 2006
6983882 Personal biometric authentication and authorization device Jan. 10, 2006
6983259 Anonymous trading system Jan. 3, 2006
6983371 Super-distribution of protected digital content Jan. 3, 2006
6973172 Method for providing a quantity of telephone time from an ATM or POS terminal Dec. 6, 2005
6971031 National identification card system and biometric identity verification method for negotiating transactions Nov. 29, 2005
6968317 Method and apparatus for new accounts program Nov. 22, 2005
6965881 Digital credential usage reporting Nov. 15, 2005
6963843 Electronic commerce system and recording medium Nov. 8, 2005

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