07831490 is referenced by 6 patents and cites 7 patents.

The present invention relates to a central (root) directory and/or network of directories to linked credit accounts. Each linked credit account accepts, or is responsive to incoming payments or credits, without the need for access numbers, account numbers, routing numbers, or the like. The payment/deposit account may be set up as a deposit only account (e.g., it cannot pay out or be debited in the traditional sense). In this way, it can be effective in eliminating many of the security requirements of a traditional financial account.

Title
Enhanced system for electronic funds transfer and elimination of the payees need for encryption and privacy
Application Number
10/786023
Publication Number
7831490 (B2)
Application Date
February 26, 2004
Publication Date
November 9, 2010
Inventor
Francis M Vitagliano
Boston
MA, US
Richard James O Brien
Lisle
IL, US
Serena Modigliani legal representative
Cambridge
MA, US
Franco Modigliani
Cambridge
MA, US
Agent
Troutman Sanders
Assignee
Payment Pathways
IL, US
IPC
G06Q 40/10
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