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Page 5

Norris, First data unit develops blockbuster cash card, Omaha World
Hearld Sunrise Edition, Business Section, Jan. 19, 1996, p. 16.
Harsh Truth: Your Investments Likely Won't Make Any Money.
Money, Initial Launch to 200 Credit Unions, USA Today.com, Jun.
27, 2002.

Decovny, Net Scope, Banking Technology, May 1997.
Nokia Announces the World's First NFC Enabled Mobile Product for
Contactless Payment and Ticketing, PRNewswire, Feb. 9, 2005.
Goode, On Profit, Loss and the Mysteries of the Mind, The New York
Times, Nov. 5, 2002.

Anonymous, Operating in a multi-currency environment, ProQuest
document ID 9215937, ISSN/ISBN 09589309, Oct. 1995.
Maher and Troutman, Payor's Prescription for Painless Migration to
Electronic Healthcare Payments and Remittance Advices, PNC
Bank, Dec. 2001.

Press Release, Mar. 5, 2004, Payment Data Systems Files Patent on
Debit Card Payment Solution, American City Business Journals,
Inc., Mar. 5, 2004.

Maher and Troutman, Provider's Prescription for Painless Migration to Receipt of Electronic Healthcare Payments and Remittance Advices, PNC Bank, Dec. 2001.

Anonymous, Systems spell change for foreign exchange, Global Investor, ProQuest document ID 1056152B, ISSN/ISBN: 09513604, Nov. 1996.

French, Tech Stocks: Market Movers, Investors Worry CheckFree Being Chased from Its Own Game, http://www.fhestreet.com, Jun. 20, 2002.

Technology, In Brief Wachovia-InteliData Deal, May 7, 2002. Zuckerman, The Hedge-Fund Craze, The Wall Street Journal, Jun. 12, 2002.

McDonald, The Stars in the Sky Flicker, And Fund Stars Do the
Same, The Wall Street Journal, Jan. 15, 2003.
Anonymous, Visa & Carnegie Mellon Plan Online Payment Scheme,
Newsbyte News Network, Feb. 15, 1995.

Financial News, Wells Fargo Rolls Out Nationwide Lockbox Check
Conversion, PRNewswire Association, Apr. 22, 2003.
Armstrong, Douglas, Norwest eases difficulty of Interstate banking
Bank's customers may use the same account number at any branch.
Hunt, Robert M., An Introduction to the Economics of Payment Card
Networks.

Maturi, Richard, Personal Finance; When you Need to Send Cash in a Flash.

Miller, Terrie and Yan, Henry, When Custody Governs, Benefits Canada, Toronto, Feb. 1998, vol. 22, Issue 2, p. 33, 5 pages. Hollywood parking Ills cost city. (3,000-space underground parking garage)(Government Activity), Fine, Howard, Mar. 18, 2002. Actor's digital destiny; contracts expire this fall. Can SAG sway producers on new-media payment? Adweek, v47, 15, p. 22.

* cited by examiner

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Receive a Payment File from Paying Entity 410

I

identify Members/Payees from Payment File 412

t

Identify Payment Amount for each Member/Payee 414

1

Identify Payment Information (e.g., payment method) from Member Profile 416

!

Distribute Payment Amount 418

1

Confirm Payment
420

Figure 4

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