Patent ID: 7752132

Claim:
A computer-implemented debit data validation system for a network, the system comprising: a calling application configured on a computer to receive a request to validate debit data from a merchant, and to receive transactional debit data to be validated; a debit data search engine including a keying module configured on a computer to perform a keying process and a matching module configured on a computer to perform a matching process, the debit data search engine being configured on a computer to receive the transactional debit data from the calling application, and to process the transactional debit data to identify a consumer key, the consumer key being based on at least a portion of the transactional debit data; and a debit data warehouse including stored debit data, the debit data warehouse being configured on a computer to retrieve the stored debit data associated with the consumer key, the stored debit data being representative of at least one consumer, and the consumer key being configured on a computer to link the stored debit data gathered from a plurality of data sources; the calling application being further configured on a computer to process the stored debit data, to determine whether to allow the debit transaction, and to generate a response message to the merchant with the determination.