Methods and systems for providing guaranteed merchant...

Details Methods and systems for providing guaranteed merchant... Methods and systems for providing guaranteed merchant...

2011-06-28

2011-06-28

Walsh, Daniel (Department: 2887)

Registers

Systems controlled by data bearing records

Credit or identification card systems

C235S382000, C235S487000, C235S382500, C705S038000, C705S078000, C705S039000

Reexamination Certificate

active

07967195

ABSTRACT:
A network arrangement is provided for processing credit transactions. A financial network is used to route communications securely between interfaces with the financial network. Merchant systems are coupled with the interfaces, with each merchant system transmitting requests for authorization of credit transactions through the financial network. An issuer system authorizes credit transactions in response to receipt of requests that specify at least a credit account to be used to support a particular credit transaction and a transaction amount for the particular credit transaction. A guarantor system separate from the issuer system determines whether to guarantee credit transactions in response to the requests and transmits responses indicating whether specific credit transactions are to be guaranteed through the financial network to the merchant systems.

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