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 and an amount...http://www.google.de/patents/US6173272?utm_source=gb-gplus-sharePatent US6173272 - Electronic funds transfer method and system and bill presentment method and system
