The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jul. 15, 2003
Filed:
Sep. 19, 2000
William Randle, Bexley, OH (US);
Richard Ercole, Westerville, OH (US);
Terry L. Geer, Pickerington, OH (US);
David L. James, Dublin, OH (US);
Jodie M. Fredelake, Columbus, OH (US);
Dennis Roman, Novato, CA (US);
Fabio Fontana, Mountain View, CA (US);
Rick Bartlett, Saratoga, CA (US);
Ruth Rosenberg, Lafayette, CA (US);
Robert W. Murphy, Lafayette, CA (US);
Tuong T. Tran, Mountain View, CA (US);
Paul Lampru, Roswell, GA (US);
Other;
Abstract
An infrastructure for a real time bank-centric universal payment system ( ) in which a central processing system (CPU) defines an electronic commerce trust system ( ) formed from a plurality of financial service provider members ( ) subscribing to a common standard having applicability throught the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members ( ) that in turn are operatively interconnected through access mechanisms to a network of customers ( ) and goods and services providers ( ) who are account subscribers with the financial service provider member ( ) and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects net settlement between and among members through a central exchange monetary system. Features of the infrastructure include ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.