William Randle, Richard Ercole, Terry L Geer, David L James, Jodie M Fredelake, Dennis Roman, Fabio Fontana, Rick Bartlett, Ruth Rosenberg, Robert W Murphy, Tuong T Tran, Paul Lampru: Real time bank-centric universal payment system. Huntington Bancshares Incorporated, Hewlett Packard Company, Verifone, Porter Wright Morris & Arthur, October 26, 1999: US05974146 (390 worldwide citation)

An infrastructure for a real time bank-centric universal payment system in which a central processing unit (CPU) defines an electronic commerce trust system formed from a plurality of financial service provider members subscribing to a common standard having applicability throughout the infrastructu ...