James Robe Haire

US Patent:

7752132, Jul 6, 2010

Filed:

Feb 25, 2002

Appl. No.:

10/082677

Inventors:

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

Assignee:

eFunds Corporation - Milwaukee WI

International Classification:

G06Q 30/00

US Classification:

705 40, 705 35, 705 39, 705 42, 705 44

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.

US Patent:

8060441, Nov 15, 2011

Filed:

May 24, 2010

Appl. No.:

12/785879

Inventors:

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

Assignee:

eFunds Corporation - Jacksonville FL

International Classification:

G06Q 40/00

US Classification:

705 40, 705 38, 705 39, 705 42, 705 44

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.

US Patent:

8401966, Mar 19, 2013

Filed:

Sep 26, 2011

Appl. No.:

13/245325

Inventors:

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

Assignee:

eFunds Corporation - Jacksonville FL

International Classification:

G06Q 40/00

US Classification:

705 40, 705 38, 705 39, 705 42, 705 44

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.

Author:

James Haire

ISBN #:

3820458883