The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jul. 06, 2010
Filed:
Feb. 25, 2002
Whitney Hilton Stewart, Cave Creek, AZ (US);
Matthew Lacey Petersen, St. Paul, MN (US);
Brian John Gallmeier, Lino Lakes, MN (US);
Teresa Marie Crews, Shoreview, MN (US);
Mark Andrew Nipe, Lino Lakes, MN (US);
James Michael Haire, Eagan, MN (US);
Robert Lawrence Hill, Mill Creek, WA (US);
Michael Richard Bates, Kenmore, WA (US);
Whitney Hilton Stewart, Cave Creek, AZ (US);
Matthew Lacey Petersen, St. Paul, MN (US);
Brian John Gallmeier, Lino Lakes, MN (US);
Teresa Marie Crews, Shoreview, MN (US);
Mark Andrew Nipe, Lino Lakes, MN (US);
James Michael Haire, Eagan, MN (US);
Robert Lawrence Hill, Mill Creek, WA (US);
Michael Richard Bates, Kenmore, WA (US);
eFunds Corporation, Milwaukee, WI (US);
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.