Electronic payment and authentication system with debit and identification data verification and electronic check capabilities
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United States of America Patent
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Jul 6, 2010
Grant Date -
Aug 29, 2002
app pub date -
Feb 25, 2002
filing date -
Feb 23, 2001
priority date (Note) -
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status (Latency Note)
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Abstract
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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