1
Francis M Vitagliano, Franco Modigliani: System for enhanced management of pension-backed credit. Hopgood Calimafde Kalil Blaustein & Judlowe, April 27, 1993: US05206803 (281 worldwide citation)

A data processing pension plan monitor is directed specifically to the management and controlled access of pension-backed credit. This system permits pension plan participants to establish a line of credit (LOC), based on their vested interest in a sponsored pension plan. This LOC is thereafter syst ...


2
Franco Modigliani, Serena Modigliani legal representative, Richard James O Brien, Francis M Vitagliano: Enhanced system for electronic funds transfer and elimination of the payees need for encryption and privacy. Payment Pathways, Troutman Sanders, November 9, 2010: US07831490 (5 worldwide citation)

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/d ...


3
Franco Modigliani, Richard James O Brien, Francis M Vitagliano, Serena Modigliani: Enhanced system for electronic funds transfer and elimination of the payees need for encryption and privacy. Morgan Lewis & Bockius, November 25, 2004: US20040236681-A1

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/d ...