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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
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<SEC-DOCUMENT>0001209191-03-024359.txt : 20031002
<SEC-HEADER>0001209191-03-024359.hdr.sgml : 20031002
<ACCEPTANCE-DATETIME>20031002184725
ACCESSION NUMBER:		0001209191-03-024359
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030930
FILED AS OF DATE:		20031002

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			COLEMAN STEVEN F
		CENTRAL INDEX KEY:			0001228917

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-30791
		FILM NUMBER:		03925907

	BUSINESS ADDRESS:	
		STREET 1:		GAINEY CENTER II
		STREET 2:		8501 N. SCOTTSDALE RD.
		CITY:			SCOTTSDALE
		STATE:			AZ
		ZIP:			85253

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			EFUNDS CORP
		CENTRAL INDEX KEY:			0001109190
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-BUSINESS SERVICES, NEC [7389]
		IRS NUMBER:				391506286
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		8501 N. SCOTTSDALE RD
		STREET 2:		GAINEY CENTER II, SUITE 300
		CITY:			SCOTTSDALE
		STATE:			AZ
		ZIP:			85253
		BUSINESS PHONE:		6026592135

	MAIL ADDRESS:	
		STREET 1:		8501 N. SCOTTSDALE RD
		STREET 2:		GAINEY CENTER II, SUITE 300
		CITY:			SCOTTSDALE
		STATE:			AZ
		ZIP:			85253
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-09-30</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0001109190</issuerCik><issuerName>EFUNDS CORP</issuerName>        <issuerTradingSymbol>EFDS</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001228917</rptOwnerCik><rptOwnerName>COLEMAN STEVEN F</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>8501 N. SCOTTSDALE ROAD</rptOwnerStreet1><rptOwnerStreet2>SUITE 300</rptOwnerStreet2><rptOwnerCity>SCOTTSDALE</rptOwnerCity><rptOwnerState>AZ</rptOwnerState><rptOwnerZipCode>85253</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>SVP,Secretary,Gen Co</officerTitle></reportingOwnerRelationship></reportingOwner
><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock (4,909.3644)</value></securityTitle><transactionDate><value>2003-09-30</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>5</transactionFormType><transactionCode>P</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value>E</value></transactionTimeliness><transactionAmounts><transactionShares><value>236.268</value></transactionShares><transactionPricePerShare><value>10.37</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>5145.6324</value><footnoteId id="F1" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeTransaction
><securityTitle><value>Restricted Stock Units (6,921)</value><footnoteId id="F2" /></securityTitle><transactionDate><value>1988-08-08</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>P</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>0</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>6921</value><footnoteId id="F2" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><derivativeTable><derivativeTransaction
><securityTitle><value>Option (right to buy) 180,538</value></securityTitle><conversionOrExercisePrice><value>0</value><footnoteId id="F3" /></conversionOrExercisePrice><transactionDate><value>1988-08-08</value><footnoteId id="F3" /></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>P</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>0</value><footnoteId id="F3" /></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value><footnoteId id="F3" /></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>1988-08-08</value><footnoteId id="F3" /></exerciseDate><expirationDate><value>1988-08-08</value><footnoteId id="F3" /></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common
 Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>0</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>180538</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction><derivativeTransaction><securityTitle><value>Option (right to buy) 2,921</value></securityTitle><conversionOrExercisePrice><value>0</value><footnoteId id="F4" /></conversionOrExercisePrice><transactionDate><value>1988-08-08</value><footnoteId id="F4" /></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>P</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>0</value><footnoteId id="F4" /></transactio
nShares><transactionPricePerShare><value>0</value><footnoteId id="F4" /></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>1988-08-08</value><footnoteId id="F4" /></exerciseDate><expirationDate><value>1988-08-08</value><footnoteId id="F4" /></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>0</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>2921</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction></derivativeTable><footnotes><footnote id="F1">Includes 236.2680 shares purchased pursuant to the Employee Stock Purchase Plan.</footnote><footnote id="F2">Restricted Stock Units were granted on February 14, 200
3.  The units will vest and be converted into shares of common stock on the earlier to occur of (i) the date in 2004 that bonuses are paid pursuant to the Company's annual incentive plan or (ii) March 31, 2004, if subject to certain exceptions, the holder continues to provide services to the Company through the applicable vesting date.  The amount of the units that will vest and be converted into shares of common stock is dependant upon the Company's performance versus the targets set under its annual incentive plan in 2003.  The vesting of the units will be accelerated in the event of any change in control of the Company.</footnote><footnote id="F3">Options were granted under the Company's Stock Incentive Plan on 6/26/00 (61,538 shares @ $13.00 per share), 01/02/01 (35,000 shares @ $10.5625 per share), 01/02/02 (54,000 shares @ $13.78 per share) and 2/14/03 (30,000 shares @ $7.08 per share).  Each option has a term of 10 years from the date of grant.  One-third of each option vests on each of the three succ
eeding anniversaries of the date of grant, if, subject to certain exceptions, the holder continues to provide services to the Company through the applicable vesting date.  The vesting of the options is subject to acceleration upon the approved retirement, death or disability of holder and any change in control of the Company.  The vesting of the option granted on 6/26/00 is also subject to acceleration upon the termination of the holder's services without cause.</footnote><footnote id="F4">Options were granted on December 11, 2000 under the Company's Stock Incentive Plan for Deluxe Conversion Awards related to options granted by Deluxe on 2/9/96 (440 shares @ $12.87 per share), 1/31/97 (551 shares @ $13.1878 per share), 1/30/98 (827 shares @ $14.1527 per share), and 1/29/99 (1,103 shares @ $14.2785 per share).  All of the foregoing options became exercisable on 12/30/00.  The options granted prior to 1998 have a term of 10 years from the date of grant of the Deluxe option to which they relate (provided that 
the holder continues to provide services to the Company through such date) and the options granted in 1998 and later will be exercisable until December 29, 2005.</footnote></footnotes><remarks></remarks><ownerSignature><signatureName>/s/ Steven F. Coleman</signatureName><signatureDate>2003-10-01</signatureDate></ownerSignature></ownershipDocument>

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