Data processing: financial – business practice – management – or co – Business processing using cryptography – Usage protection of distributed data files
Reexamination Certificate
2005-09-20
2005-09-20
Elisca, Pierre (Department: 3621)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Usage protection of distributed data files
C705S050000
Reexamination Certificate
active
06947908
ABSTRACT:
The present invention comprises a system and method for a customer and merchant to perform an on-line, and in some cases, real-time financial transaction from a personal computer or similar processing terminal over a public access communications network utilizing a universally acceptable electronic financial transaction instruction that debits a customer's selected account and notifies a merchant that a credit is due or forthcoming and a service provider. The financial transaction instruction is provided in a secured format for transactions sent over the public access communications network, which is external from any other conventional open or closed communication channels used for performing financial transactions.
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Citibank N.A.
Elisca Pierre
Kilpatrick & Stockton LLP
Marcou George T.
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