Attempting to trump the banks and nonbanks that have introduced person-to-person payment systems for the Internet, NYCE Corp. has begun promoting a technology that will let people pay anyone from a multitude of devices, including automated teller machines and telephones.

NYCE, the electronic funds transfer network that dominates the Northeast, says its service, slated to be introduced early next year, will settle the transactions in real time, which NYCE executives say is an advantage over competing systems. NYCE, which processes ATM transactions and PIN-based debit card transactions for more than 47 million cardholders, plans to use its electronic transfer infrastructure to facilitate the payments. There are a few big catches. The person making the payment would have to know the ATM or debit card number (though not the actual account number) of the person receiving the payment, and both people must have accounts at banks that are members of NYCE. Other person-to-person payment systems — like Bank One Corp.’s eMoneyMail and X.com’s PayPal — do not have these limitations.

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