Patents

Payment Pathways is founded on guiding principles and intellectual insight developed by Dr. Franco Modigliani (1918-2003), the twenty-third economist to win the Nobel Prize for Economics.

Payment Pathways has received five patents for its technology:

Enhanced System for Electronic Funds Transfer and Elimination of the Payee’s Need for Encryption and Privacy
US Patent No. 7,831,490 Modigliani, O’Brien and Vitagliano teach a computer implemented method of conducting monetary asset transfer transactions associating a unique identifier with payment address that can only be debited by the accountholder.  Such directories containing identifiers and payment addresses are synchronized to a root directory to enable non-repudiable deposits.

Methods and Systems for Identity Authentication
US Patent No. 7,945,511  O’Brien, Gallant, et al teach a computer implemented method of banks conducting informational asset transfer transactions where a registry of unique identifiers are associated with informational assets and access to said assets is regulated in accordance with guidelines established by communities of interest functioning as registrars.

Methods and Systems for Identity Authentication
US Patent No. 8,271,381 O’Brien, Gallant, et al teach a computer implemented method of financial institutions conducting informational asset transfer transactions where a registry of unique identifiers are associated with informational assets and access to said assets is regulated in accordance with guidelines established by communities of interest functioning as registrars.

Methods and Systems for Identity Authentication
CN Patent No. ZL 20068004056.3 O’Brien, Gallant et al teach a computer implemented method for institutions conducting informational asset transfer transactions where a registry of unique identifiers associating said registrant information with ENUM data to form an associated information are associated with informational assets and access to said assets is regulated in accordance with guidelines established by communities of interest functioning as registrars.

Systems and Methods for Managing Permissions for Information Systems in the Cloud US Patent No. 8,447,630 O’Brien and Gallant teach a method and system of associating unique identifiers and linked ePayment addresses to permissions concerning customer transaction information about purchased items, which indicates when these information assets can be retrieved, transferred, or released. Querying entities can distinguish when explicit or implicit permissions are required.