-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 K12wDSp/hygA8hYS1Yse+yEQLYSbTVjF85TqVJoLqn896vWYdfltqCGA4RRp/Xkk
 ZFQy+FO3GJQIfBHZncGt6Q==

<SEC-DOCUMENT>0001190885-03-000006.txt : 20030527
<SEC-HEADER>0001190885-03-000006.hdr.sgml : 20030526
<ACCEPTANCE-DATETIME>20030527171431
ACCESSION NUMBER:		0001190885-03-000006
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030527
FILED AS OF DATE:		20030527

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			HARTER RICHARD M
		CENTRAL INDEX KEY:			0001190888

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31527
		FILM NUMBER:		03720330

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		901 371 8004

	MAIL ADDRESS:	
		STREET 1:		2525 HORIZON LAKE DRIVE
		STREET 2:		SUITE 120
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38133

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CONCORD EFS INC
		CENTRAL INDEX KEY:			0000740112
		STANDARD INDUSTRIAL CLASSIFICATION:	FUNCTIONS RELATED TO DEPOSITORY BANKING, NEC [6099]
		IRS NUMBER:				042462252
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		2525 HORIZON LAKE DR STE 120
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38133
		BUSINESS PHONE:		9013718000

	MAIL ADDRESS:	
		STREET 1:		2525 HORIZON LAKE DRIVE
		STREET 2:		SUITE 120
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38133

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CONCORD COMPUTING CORP
		DATE OF NAME CHANGE:	19920515
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>
    <schemaVersion>X0101</schemaVersion>

    <documentType>4</documentType><periodOfReport>2003-05-27</periodOfReport>
    <issuer>
        <issuerCik>0000740112</issuerCik>
        <issuerName>CONCORD EFS INC</issuerName>
        <issuerTradingSymbol>CE</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId>
            <rptOwnerCik>0001190888</rptOwnerCik>
            <rptOwnerName>HARTER RICHARD M</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeSecurity><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2001-11-05</value></transactionDate><deemedExecutionDate><value>2001-11-05</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>G</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>650</value></transactionShares><transactionValue><value>28.85</value></transactionValue><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>137800</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value>
</natureOfOwnership></ownershipNature></nonDerivativeSecurity><nonDerivativeSecurity><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2001-11-05</value></transactionDate><deemedExecutionDate><value>2001-11-05</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>G</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>350</value></transactionShares><transactionValue><value>28.85</value></transactionValue><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>137450</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></nonDerivativeSecurity><nonDerivativeSecurity><security
Title><value>Common Stock</value></securityTitle><transactionDate><value>2002-02-20</value></transactionDate><deemedExecutionDate><value>2002-02-20</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>5050</value></transactionShares><transactionValue><value>1.98</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>142500</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></nonDerivativeSecurity><nonDerivativeSecurity><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2002-02-20</value></t
ransactionDate><deemedExecutionDate><value>2002-02-20</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>13500</value></transactionShares><transactionValue><value>4.78</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>156000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></nonDerivativeSecurity><nonDerivativeSecurity><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2002-02-20</value></transactionDate><deemedExecutionDate><value>2002-02-20</value></deemedExecutionDate><transacti
onCoding><transactionFormType>5</transactionFormType><transactionCode>D</transactionCode><equitySwapInvolved>0</equitySwapInvolved><footnoteId id="F1"/></transactionCoding><transactionAmounts><transactionShares><value>18550</value></transactionShares><transactionValue><value>29.19</value></transactionValue><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>137450</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></nonDerivativeSecurity><derivativeSecurity><securityTitle><value>Incentive Stock Options</value></securityTitle><conversionOrExercisePrice><value>5.390000</value></conversionOrExercisePrice><transactionDate><value>1997-05-15</value></transactionDate><deemedExecutionDate><value>1997-05-15</value></deemedExecution
Date><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>13500</value></transactionShares><transactionValue><value>5.390000</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>1999-05-15</value></exerciseDate><expirationDate><value>2007-05-15</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common</value></underlyingSecurityTitle><underlyingSecurityShares><value>13500</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>13500</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeSecurity
><derivativeSecurity><securityTitle><value>Incentive Stock Options</value></securityTitle><conversionOrExercisePrice><value>7.220000</value></conversionOrExercisePrice><transactionDate><value>1998-05-14</value></transactionDate><deemedExecutionDate><value>1998-05-14</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>13500</value></transactionShares><transactionValue><value>7.220000</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2000-05-14</value></exerciseDate><expirationDate><value>2008-05-14</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common </value></underlyingSecurityTitle><underlyingSecurityShares><value>13500</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts>
<sharesOwnedFollowingTransaction><value>27000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeSecurity><derivativeSecurity><securityTitle><value>Incentive Stock Options</value></securityTitle><conversionOrExercisePrice><value>10.420000</value></conversionOrExercisePrice><transactionDate><value>1999-05-20</value></transactionDate><deemedExecutionDate><value>1999-05-20</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>18000</value></transactionShares><transactionValue><value>10.420000</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2001-05-
20</value></exerciseDate><expirationDate><value>2009-05-20</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common</value></underlyingSecurityTitle><underlyingSecurityShares><value>18000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>45000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeSecurity><derivativeSecurity><securityTitle><value>Incentive Stock Options</value></securityTitle><conversionOrExercisePrice><value>11.13</value></conversionOrExercisePrice><transactionDate><value>2000-05-25</value></transactionDate><deemedExecutionDate><value>2000-05-25</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></tr
ansactionCoding><transactionAmounts><transactionShares><value>18000</value></transactionShares><transactionValue><value>11.13</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2002-05-25</value></exerciseDate><expirationDate><value>2010-05-25</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common</value></underlyingSecurityTitle><underlyingSecurityShares><value>18000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>63000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeSecurity><derivativeSecurity><securityTitle><value>Incentive Stock Options</value></securityTitle><conversionOrExercisePrice><value>24.52</value></conversionOrEx
ercisePrice><transactionDate><value>2001-05-24</value></transactionDate><deemedExecutionDate><value>2001-05-24</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>18000</value></transactionShares><transactionValue><value>24.520000</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2003-05-24</value></exerciseDate><expirationDate><value>2011-05-24</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common</value></underlyingSecurityTitle><underlyingSecurityShares><value>18000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>81000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership>
<value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeSecurity><derivativeSecurity><securityTitle><value>Incentive Stock Options</value></securityTitle><conversionOrExercisePrice><value>32</value></conversionOrExercisePrice><transactionDate><value>2002-05-23</value></transactionDate><deemedExecutionDate><value>2002-05-23</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>21750</value></transactionShares><transactionValue><value>32.000000</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2004-05-23</value></exerciseDate><expirationDate><value>2012-05-23</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common</value></underlyingSe
curityTitle><underlyingSecurityShares><value>21750</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>102750</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeSecurity><derivativeSecurity><securityTitle><value>Incentive Stock Options</value></securityTitle><conversionOrExercisePrice><value>14.59</value></conversionOrExercisePrice><transactionDate><value>2003-05-22</value></transactionDate><deemedExecutionDate><value>2003-05-22</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>21750</value></transactionShares><transactionValue><value>14.59</value></transactionValue><transacti
onAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2005-05-22</value></exerciseDate><expirationDate><value>2013-05-22</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common</value></underlyingSecurityTitle><underlyingSecurityShares><value>21750</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>124500</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeSecurity><footnotes><footnote id="F1">Mr. Harter's partnership with Bingham Dana LLP allows his firm to acquire this number of shares granted to Mr. Harter.</footnote></footnotes><ownerSignature><signatureName>Richard M. Harter</signatureName><signatureDate>2003-05-27</signatureDate></ownerSignature></ownershipDocument>

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</DOCUMENT>
</SEC-DOCUMENT>
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