1
George F Thomas, Albert G Wood, Joseph S Pawelczyk, Robert M Cotton: Electronic funds transfer method and system and bill presentment method and system. The Clearing House Service Company L L C, Fitzpatrick Cella Harper & Scinto, January 9, 2001: US06173272 (286 worldwide citation)

A funds transfer system for facilitating electronic funds transfer between a payor and a payee by means of an intermediate trusted third party comprises: a payor station including a device for electronic communication of a payment order, the payment order comprising the payee's name, address an ...


2
George F Thomas, Albert G Wood, Joseph S Pawelczyk, Robert M Cotton: Trusted third party data structure for electronic funds transfer and bill presentment. The Clearing House Service Company L L C, Fitzpatrick Cella Harper & Scinto, November 13, 2001: US06317745 (154 worldwide citation)

A funds transfer system for facilitating electronic funds transfer between a payor and a payee by means of an intermediate trusted third party comprises: a payor station including a device for electronic communication of a payment order, the payment order comprising the payee's name, address an ...


3
Robert M Cotton, George F Thomas, Joseph S Pawelczyk: System and method for intraday netting payment finality. The Clearing House Service Company L L C, Fitzpatrick Cella Harper & Scinto, June 13, 2000: US06076074 (65 worldwide citation)

A system is provided for continuous intraday final settlement of payment orders among a plurality of financial-institution participants. The system includes a central controlling agent, including a central computer operable to communicate electronically with satellite computer stations of the plural ...


4
George F Thomas, Albert G Wood, Joseph S Pawelczyk, Kenneth H Friedman, Paul Palmese: Payment identification code and payment system using the same. Fitzpatrick Cella Harper & Scinto, July 12, 2011: US07979348 (2 worldwide citation)

A method comprises receiving a payment instruction including a payment system routing number and a unique code associated with a payee, and employing the routing number to determine whether it includes routing information for a specific financial institution. If so, then the payment instruction is t ...


5
Joseph S Pawelczyk, James W Reilingh, Robert M Cotton: System and method for intraday netting payment finality with supplemental funding. The Clearing House Payments Company L L C, Fitzpatrick Cella Harper & Scinto, May 13, 2014: US08725609

A system and method are disclosed for continuous intraday final settlement of payment orders among a plurality of participants, each participant having facilities configured to electronically send and receive the payment orders in the form of payment messages. Primary positions, corresponding to bal ...


6
George F Thomas, Albert G Wood, Joseph S Pawelczyk, Kenneth H Friedman, Paul Palmese: Payment identification code and payment system using the same. Fitzpatrick Cella Harper & Scinto, February 19, 2004: US20040034594-A1

A method for effecting electronic payment, safeguarding banking and account information, while utilizing existing payment systems. The method comprises generating a system routing number and a payment identification code (PIC) relating to the beneficiary's account information, distributing payment i ...


7
Joseph S Pawelczyk, James W Reilingh, Robert M Cotton: System and method for intraday netting payment finality with supplemental funding. The Clearing House Payments Company, Fitzpatrick Cella Harper & Scinto, April 21, 2005: US20050086165-A1

A system and method are disclosed for continuous intraday final settlement of payment orders among a plurality of participants, each participant having facilities configured to electronically send and receive the payment orders in the form of payment messages. Primary positions, corresponding to bal ...


8
George E Thomas, Albert G Wood, Joseph S Pawelczyk, Kenneth H Friedman, Paul Palmese: Payment identification code and payment system using the same. December 1, 2011: US20110295746-A1

A method comprises receiving a payment instruction including a payment system routing number and a unique code associated with a payee, and employing the routing number to determine whether it includes routing information for a specific financial institution. If so, then the payment instruction is t ...


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