公开(公告)号：US11205160B2

公开(公告)日：2021-12-21

申请号：US16414736

申请日：2019-05-16

申请人： eFunds Corporation

发明人： Whitney Hilton Stewart ,  Matthew Lacey Peterson ,  Brian John Gallmeier ,  Teresa Marie Crews ,  Mark Andrew Nipe ,  James Michael Haire ,  Robert Lawrence Hill ,  Michael Richard Bates

IPC分类号： G06Q20/10 ,  G06Q30/04 ,  G06Q20/04 ,  G06Q20/08 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02

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.

公开(公告)号：US20180096422A1

公开(公告)日：2018-04-05

申请号：US15600890

申请日：2017-05-22

申请人： eFunds Corporation

发明人： Whitney Hilton Stewart ,  Robert Lawrence Hill ,  Connie Koep

IPC分类号： G06Q40/02 ,  G07F19/00 ,  G06K7/08 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/06

CPC分类号： G06Q40/02 ,  G06K7/084 ,  G06Q20/02 ,  G06Q20/023 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/06 ,  G07F19/20 ,  G07F19/203

摘要： A system for generating and processing an electronic funding application is disclosed. The system includes a memory storing instructions and a processor configured to execute the instructions to transmit the electronic funding application to a client and enter financial data into the funding application. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The instructions further transmit the financial data to a server, validate at least a portion of the financial data by comparing a portion of the financial data to data representing valid demand deposit accounts, convert the MICR line to an item compatible with an automated clearing house (ACH) network, and submit the item and the currency amount to the ACH network. The currency amount is transferred from the demand deposit account of the customer to the financial account of the customer.

公开(公告)号：US20190279171A1

公开(公告)日：2019-09-12

申请号：US16414736

申请日：2019-05-16

申请人： eFunds Corporation

发明人： Whitney Hilton Stewart ,  Matthew Lacey Peterson ,  Brian John Gallmeier ,  Teresa Marie Crews ,  Mark Andrew Nipe ,  James Michael Haire ,  Robert Lawrence Hill ,  Michael Richard Bates

IPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q20/40 ,  G06Q20/08 ,  G06Q20/28 ,  G06Q40/02 ,  G06Q30/04

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.

公开(公告)号：US20130173463A1

公开(公告)日：2013-07-04

申请号：US13776564

申请日：2013-02-25

申请人： eFunds Corporation

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

IPC分类号： G06Q20/04

CPC分类号： G06Q20/0425 ,  G06Q20/04 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/025

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.

摘要翻译： 一种电子支付和认证系统，其中包括验证付款人真实性的功能，验证借方数据，以及便利借款（而不是信贷）支付交易。 电子支付系统允许消费者在利用借记交易的同时通过网络购买商品和服务。 本发明使商家能够验证消费者的身份，确定消费者是否是良好的借方交易风险，并且检索与特定消费者相关联的借项数据。

公开(公告)号：US20200294005A1

公开(公告)日：2020-09-17

申请号：US16887859

申请日：2020-05-29

申请人： eFunds Corporation

发明人： Whitney Hilton Stewart ,  Matthew Lacey Peterson ,  Brian John Gallmeier ,  Teresa Marie Crews ,  Mark Andrew Nipe ,  James Michael Haire ,  Robert Lawrence Hill ,  Michael Richard Bates

IPC分类号： G06Q20/04 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/02

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.

公开(公告)号：US10657588B2

公开(公告)日：2020-05-19

申请号：US15600890

申请日：2017-05-22

申请人： eFunds Corporation

发明人： Whitney Hilton Stewart ,  Robert Lawrence Hill ,  Connie Koep

IPC分类号： G06Q40/02 ,  G06Q20/10 ,  G07F19/00 ,  G06K7/08 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/06

摘要： A system for generating and processing an electronic funding application is disclosed. The system includes a memory storing instructions and a processor configured to execute the instructions to transmit the electronic funding application to a client and enter financial data into the funding application. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The instructions further transmit the financial data to a server, validate at least a portion of the financial data by comparing a portion of the financial data to data representing valid demand deposit accounts, convert the MICR line to an item compatible with an automated clearing house (ACH) network, and submit the item and the currency amount to the ACH network. The currency amount is transferred from the demand deposit account of the customer to the financial account of the customer.

公开(公告)号：US10318934B2

公开(公告)日：2019-06-11

申请号：US13776564

申请日：2013-02-25

申请人： eFunds Corporation

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

IPC分类号： G06Q30/04 ,  G06Q20/04 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02

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.