Unlike many systems requiring traditional mediums of payment and settlement, this INTERNET based payment methodology is predicated on the invention of an agnostic demand deposit and cash management account connectivity interface for payment and settlement of goods and services purchased over the INTERNET....http://www.google.co.uk/patents/US20010032139?utm_source=gb-gplus-sharePatent US20010032139 - Cybermoney network; a seamless internet commercial and investment bank account connectivity interface for payment and settlement of goods and services purchased via the internet