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

• US 8,401,966 B2
• Filed: 09/26/2011
• Issued: 03/19/2013
• Est. Priority Date: 02/23/2001
• Status: Expired due to Term

• Current Assignee: Fidelity Information Services, LLC (Fidelity National Information Services Incorporated)
• Original Assignee: Efunds Corporation (Fidelity National Information Services Incorporated)
• Inventors: Stewart, Whitney Hilton, Petersen, Matthew Lacey, Gallmeier, Brian John, Crews, Teresa Marie, Nipe, Mark Andrew, Haire, James Michael, Hill, Robert Lawrence, Bates, Michael Richard
• Primary Examiner(s): Tran, Hai
• Application Number:
  US13/245,325
• Publication Number:
  US 20120016800A1
• Time in Patent Office: 540 Days
• Field of Search: 705 15- 45
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

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.

Claims

1. An electronic payment system comprising:

at least one electronic processor coupled to a memory device;

an electronic check module coupled to the at least one electronic processor, the electronic check module coupled to a consumer terminal via a network, and configured to accept transactional debit data, the transactional debit data including at least one of order data, consumer data, or check data;

an authorization computer coupled to the consumer terminal via a network and configured to receive the transactional debit data and configured to generate a message indicative of an acceptance of an electronic check payment or a declination of the electronic check payment;

wherein the electronic check module is configured to;

receive a request to validate debit data and receive transactional debit data that is to be validated;

send a request to an identity verification module to verify an identity of a consumer involved in a debit transaction;

send at least one consumer identification debit data element to the identity verification module; and

receive a response message from the identity verification module indicative of one of verification of the identity of the consumer or invalidation of the identity of the consumer, the response based on a comparison of an identity verification score against a threshold value.

2. The electronic payment system of claim 1, wherein the authorization computer is further configured to:

run a pass-through application on the authorization server,

perform integrated data capture and data conversion via a converter and router, and

execute a rules and formatter application on the converter and router.

3. The electronic payment system of claim 2, wherein the authorization computer further comprises:

a tracking server coupled to the converter and router, and

an application server coupled to the converter and router, wherein the application server is configured to run the electronic check module.

4. The electronic payment system of claim 3, wherein the authorization computer is further configured to:

run a transaction adapter module on the application server to generate an authorization/funding request in one of an International Standards Organization 100 (ISO

     100) or an ISO 200 format; and

receive the authorization/funding request from the transaction adapter module via a transaction switch module.

5. The electronic payment system of claim 4, wherein the authorization computer further comprises a shared check authorization network (SCAN) server configured to receive the authorization/funding request from the transaction switch module.

6. The electronic payment system of claim 5, wherein the SCAN server comprises a SCAN online module, a SCAN reporter, and a SCAN host.

7. The electronic payment system of claim 2, wherein the authorization computer further comprises:

a first firewall,

a primary server coupled to the first firewall,

a failover server coupled to the first firewall, and

a second firewall coupled to the primary server and the failover server.

8. The electronic payment system of claim 1, wherein the authorization computer is configured to generate at least one of an authorization request, a funding request, or an authorization and funding request.

9. The electronic payment system of claim 8, wherein the authorization computer further comprises a SCAN server configured to:

receive the at least one of the authorization request, the funding request, or the authorization and funding request, and

generate a SCAN response message indicative of acceptance of the at least one of the authorization request, the funding request, or the authorization and funding request or declination of the at least one of the authorization request, the funding request, or the authorization and funding request.

10. The electronic payment system of claim 9, wherein the SCAN server is further configured to utilize at least one filter to process the at least one of the authorization request, the funding request, or the authorization and funding request, wherein the filter comprises a do not exceed amount.

11. An electronic payment method comprising:

receiving, at an authorization computer, transactional debit data that is to be validated, wherein the transactional debit data comprises at least one of order data, consumer data, or check data;

receiving, at an electronic check module, the transactional debit data;

receiving, at the electronic check module, a request to validate the debit data;

sending, from the electronic check module, a request to an identity verification module to verify an identity of a consumer involved in a debit transaction;

sending, from the electronic check module, at least one consumer identification debit data element to the identity verification module; and

receiving, at the electronic check module, a response message from the identity verification module indicative of one of verification of the identity of the consumer or invalidation of the identity of the consumer, the response based on a comparison of an identity verification score against a threshold value;

generating, at the authorization computer, a message indicative of an acceptance of an electronic check payment or a declination of the electronic check payment;

wherein the electronic check module is coupled to an electronic processor and the electronic processor is coupled to a memory device;

wherein the electronic check module is further coupled to a consumer terminal via a network.

12. The electronic payment method of claim 11 further comprising:

running, via the authorization computer, a pass-through application on the authorization server,

performing integrated data capture and data conversion via a converter and router, and

executing a rules and formatter application on the converter and router.

13. The electronic payment method of claim 12, wherein the authorization computer further comprises:

a tracking server coupled to the converter and router, and

an application server coupled to the converter and router, wherein the application server is configured to run the electronic check module.

14. The electronic payment method of claim 13 further comprising:

running a transaction adapter module on the application server to generate an authorization/funding request in one of an International Standards Organization 100 (ISO

     100) or an ISO 200 format; and

receiving the authorization/funding request from the transaction adapter module via a transaction switch module.

15. The electronic payment method of claim 14, further comprising:

receiving, by a shared check authorization network (SCAN) server included with the authorization computer, the authorization/funding request from the transaction switch module.

16. The electronic payment method of claim 15, wherein the SCAN server comprises a SCAN online module, a SCAN reporter, and a SCAN host.

17. The electronic payment method of claim 12, wherein the authorization computer further comprises:

a first firewall,

a primary server coupled to the first firewall,

a failover server coupled to the first firewall, and

a second firewall coupled to the primary server and the failover server.

18. The electronic payment method of claim 11, further comprising:

generating, by the authorization computer, at least one of an authorization request, a funding request, or an authorization and funding request.

19. The electronic payment method of claim 18, wherein the authorization computer further comprises a SCAN server, and further comprising:

receiving, by the SCAN server, the at least one of the authorization request, the funding request, or the authorization and funding request, and

generating, by the SCAN server, a SCAN response message indicative of acceptance of the at least one of the authorization request, the funding request, or the authorization and funding request or declination of the at least one of the authorization request, the funding request, or the authorization and funding request.

20. The electronic payment method of claim 19, further comprising:

utilizing, by the SCAN server, at least one filter to process the at least one of the authorization request, the funding request, or the authorization and funding request, wherein the filter comprises a do not exceed amount.