Paul D Lampru

US Patent:

6594647, Jul 15, 2003

Filed:

Sep 19, 2000

Appl. No.:

09/463518

Inventors:

William Randle - Bexley OH
Richard Ercole - Westerville OH
Terry L. Geer - Pickerington OH
David L. James - Dublin OH
Jodie M. Fredelake - Columbus OH
Dennis Roman - Novato CA
Fabio Fontana - Mountain View CA
Rick Bartlett - Saratoga CA
Ruth Rosenberg - Lafayette CA
Robert W. Murphy - Lafayette CA
Tuong T. Tran - Mountain View CA
Paul Lampru - Roswell GA

Assignee:

Huntington Bancshares Incorporated - Columbus OH
Hewlett-Packard Company - Cupertino CA

International Classification:

G06F 1700

US Classification:

705 77, 705 70, 705 80, 705 44, 705 40

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.

US Patent:

59741465, Oct 26, 1999

Filed:

Jul 30, 1997

Appl. No.:

8/903102

Inventors:

William Randle - Bexley OH
Richard Ercole - Westerville OH
Terry L. Geer - Pickerington OH
David L. James - Dublin OH
Jodie M. Fredelake - Columbus OH
Dennis Roman - Novato CA
Fabio Fontana - Mountain View CA
Rick Bartlett - Saratoga CA
Ruth Rosenberg - Layfayette CA
Robert W. Murphy - Layfayette CA
Tuong T. Tran - Mountain View CA
Paul Lampru - Roswell GA

Assignee:

Huntington Bancshares Incorporated - Columbus OH
Hewlett-Packard Company - Cupertino CA
Verifone, Inc. - Santa Clara CA

International Classification:

H04L 900

US Classification:

380 24

Abstract:

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 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 provider net settlement between and among members through a central exchange monetary system. Features of the infrastructure include an ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.