发明名称 |
Electronic payment and authentication system with debit and identification data verification and electronic check capabilities |
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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申请公布号 |
US8401966(B2) |
申请公布日期 |
2013.03.19 |
申请号 |
US201113245325 |
申请日期 |
2011.09.26 |
申请人 |
STEWART WHITNEY HILTON;PETERSEN MATTHEW LACEY;GALLMEIER BRIAN JOHN;CREWS TERESA MARIE;NIPE MARK ANDREW;HAIRE JAMES MICHAEL;HILL ROBERT LAWRENCE;BATES MICHAEL RICHARD;EFUNDS CORPORATION |
发明人 |
STEWART WHITNEY HILTON;PETERSEN MATTHEW LACEY;GALLMEIER BRIAN JOHN;CREWS TERESA MARIE;NIPE MARK ANDREW;HAIRE JAMES MICHAEL;HILL ROBERT LAWRENCE;BATES MICHAEL RICHARD |
分类号 |
G06Q40/00;G06Q20/00;G06Q30/00;G07F7/12;G07F19/00 |
主分类号 |
G06Q40/00 |
代理机构 |
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主权项 |
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地址 |
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