发明授权
- 专利标题： Electronic payment and authentication system with debit and identification data verification and electronic check capabilities
- 专利标题（中）： 电子支付和认证系统，具有借记和识别数据验证和电子检查功能
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申请号： US12785879申请日： 2010-05-24
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公开(公告)号： US08060441B2公开(公告)日： 2011-11-15
- 发明人: Whitney Hilton Stewart , Matthew Lacey Petersen , Brian John Gallmeier , Teresa Marie Crews , Mark Andrew Nipe , James Michael Haire , Robert Lawrence Hill , Michael Richard Bates
- 申请人： Whitney Hilton Stewart , Matthew Lacey Petersen , Brian John Gallmeier , Teresa Marie Crews , Mark Andrew Nipe , James Michael Haire , Robert Lawrence Hill , Michael Richard Bates
- 申请人地址： US FL Jacksonville
- 专利权人： eFunds Corporation
- 当前专利权人： eFunds Corporation
- 当前专利权人地址： US FL Jacksonville
- 代理机构： Finnegan, Henderson, Farabow, Garrett & Dunner
- 主分类号： G06Q40/00
- IPC分类号： G06Q40/00
摘要：
An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
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