Fidelity Information Services, LLC

Matthew Lacey Peterson

Robert Lawrence Hill

Whitney Hilton Stewart

Michael Richard Bates

Mark Andrew Nipe

Brian John Gallmeier

James Michael Haire

Teresa Marie Crews

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.

Electronic payment and authentication system with debit and identification data verification and electronic check capabilities

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Saint Paul, MN, United States of America

Matthew Lacey Peterson