06594647 is referenced by 34 patents and cites 3 patents.

An infrastructure for a real time bank-centric universal payment system (

2

) in which a central processing system (CPU) defines an electronic commerce trust system (

1

) formed from a plurality of financial service provider members (

4

) subscribing to a common standard having applicability throught the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members (

4

) that in turn are operatively interconnected through access mechanisms to a network of customers (

3

) and goods and services providers (

5

) who are account subscribers with the financial service provider member (

4

) and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects net settlement between and among members through a central exchange monetary system. Features of the infrastructure include ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.

Title
Real time bank-centric universal payment system
Application Number
9/463518
Publication Number
6594647 (B1)
Application Date
September 19, 2000
Publication Date
July 15, 2003
Inventor
Paul Lampru
Roswell
GA, US
Tuong T Tran
Mountain View
CA, US
Robert W Murphy
Lafayette
CA, US
Ruth Rosenberg
Lafayette
CA, US
Rick Bartlett
Saratoga
CA, US
Fabio Fontana
Mountain View
CA, US
Dennis Roman
Novato
CA, US
Jodie M Fredelake
Columbus
OH, US
David L James
Dublin
OH, US
Terry L Geer
Pickerington
OH, US
Richard Ercole
Westerville
OH, US
William Randle
Bexley
OH, US
Agent
Porter Wright Morris & Arthur
US
Assignee
Hewlett Packard Company
CA, US
Huntington Bancshares Incorporated
OH, US
IPC
G06F 17/00
View Original Source