Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2010-05-24
2011-11-15
Colbert, Ella (Department: 3694)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S038000, C705S039000, C705S042000, C705S044000
Reexamination Certificate
active
08060441
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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Bates Michael Richard
Crews Teresa Marie
Gallmeier Brian John
Haire James Michael
Hill Robert Lawrence
Colbert Ella
eFunds Corporation
Finnegan Henderson Farabow Garrett & Dunner
Tran Hai
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