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

An electronic check payment system for a network, the system comprising:

• a consumer terminal configured to accept transactional debit data, the transactional debit data including order data, consumer data, and check data;
• and
• an authorization computer adapted to be coupled to the consumer terminal via the network and configured to
• receive the transactional debit data, and
• generate a response message indicative of one of a first condition and a second condition, wherein the first condition is an acceptance of the electronic check payment, and the second condition is a declination of the electronic check payment.

A method of conducting an electronic check payment transaction, the method comprising:

• receiving via a merchant computer transactional debit data entered by a consumer on a merchant web site;
• receiving check data entered by a consumer, wherein the check data is representative of data on a paper check;
• receiving additional transactional debit data entered by a merchant;
• processing the transactional debit data and the additional transactional debit data;
• generating a response message indicative of one of a first condition and a second condition, wherein the first condition is an acceptance of the electronic check payment, and further wherein the second condition is a declination of the electronic check payment.

An identity verification system for verifying the identity of a consumer involved in a debit transaction, the system comprising:

• an identity verification module including a fraud indicator search module and a consumer identity validation search module, wherein the identity verification module is configured to
• receive a request to verify the identity of a consumer involved in a debit transaction,
• receive at least one consumer identification debit data element,
• generate an identity verification score,
• compare the identity verification score against a threshold value, and
• generate a response message to the request to verify the identity of a consumer involved in a debit transaction, wherein the response message is indicative of one of a first condition and a second condition, wherein the first condition is a verification of the identity of the consumer, and further wherein the second condition is a contradiction of the identity of the consumer.

A method of verifying the identity of a consumer involved in a debit transaction, the method comprising:

• receiving a request to verify the identity of a consumer involved in a debit transaction;
• receiving at least one consumer identification debit data element;
• generating an identity verification score;
• comparing the identity verification score against a threshold value;
• and
• generating a response message to the request to verify the identity of a consumer involved in a debit transaction, wherein the response message is indicative of one of a first condition and a second condition, wherein the first condition is a verification of the identity of the consumer, and further wherein the second condition is a contradiction of the identity of the consumer.

A debit data validation system for a network, the system comprising:

• a calling application configured to
• receive a request to validate debit data, and
• receive transactional debit data that is to be validated;
• a debit data search engine including a keying module and a matching module, wherein the debit data search engine is configured to
• receive the transactional debit data from the calling application, and
• process the transactional debit data;
• and
• a debit data warehouse including stored debit data, wherein the stored debit data is representative of at least one consumer, and further wherein at least one consumer key links the stored debit data representative of each of the at least one consumer.

A method of conducting a debit data validation of a consumer involved in a debit transaction, the method comprising:

• receiving a request to validate debit data of the consumer involved in a debit transaction;
• receiving transactional debit data that is to be validated;
• and
• generating a response message to the request to validate debit data of the consumer involved in a debit transaction, wherein the response message is indicative of one of a first condition and a second condition, wherein the first condition is a validation of the debit data, and further wherein the second condition is a lack of validation of the debit data of the consumer.