Patent ID: 8060441

Claim:
An electronic payment system comprising: at least one electronic processor coupled to a memory device; at least two of an electronic check module, an identity verification module, and a debit data validation module, each of the electronic check module, identity verification module and debit data validation module coupled to the at least one electronic processor, the electronic check module having a consumer terminal configured to accept transactional debit data, the transactional debit data including at least one of order data, consumer data, or check data; and 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; the identity verification module being configured to, via the at least one electronic processor: receive a request to verify an 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, based on the comparison, indicative of one of verification of the identity of the consumer or invalidation of the identity of the consumer; and wherein the debit data validation module is configured to, via the at least one electronic processor, receive a request to validate debit data and receive transactional debit data that is to be validated; a debit data search engine configured to, via the at least one electronic processor, receive the transactional debit data from the debit data validation module and process the transactional debit data.