Patent ID: 8401966

Claim:
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.