John Doggett, Frank A Jaffe, Milton M Anderson: Electronic funds transfer instruments. Financial Services Technology Consortium, The First National Bank of Boston, Bell Communications Research, Fish & Richardson P C, October 14, 1997: US05677955 (1074 worldwide citation)

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 identit ...