05677955 is referenced by 1074 patents and cites 15 patents.

An electronic instrument is created in a computer-based method for effecting a transfer of funds from an account of a payer in a funds-holding institution to a payee. The electronic instrument includes an electronic signature of the payer, digital representations of payment instructions, the identity of the payer, the identity of the payee, and the identity of the funds-holding institution. A digital representation of a verifiable certificate by the institution of the authenticity of the instrument is appended to the instrument. This enables a party receiving the instrument, e.g., the payee or a bank, to verify the authenticity of the account or account holder. The invention may be generally applied to any financial electronic document.

Title
Electronic funds transfer instruments
Application Number
8/418190
Publication Number
5677955
Application Date
April 7, 1995
Publication Date
October 14, 1997
Inventor
Milton M Anderson
Fair Haven
NJ, US
Frank A Jaffe
Sharon
MA, US
John Doggett
Brookline
MA, US
Agent
Fish & Richardson P C
Assignee
Bell Communications Research
NJ, US
The First National Bank of Boston
MA, US
Financial Services Technology Consortium
NY, US
IPC
G07F 7/10
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