US 11,928,701 B2
Technologies for enhanced credit transactions
Brent Alan Badger, Powell, OH (US); and Jacob Matthew Sterling, Creve Coeur, MO (US)
Assigned to Worldpay, LLC, Symmes Township, OH (US)
Filed by Worldpay, LLC, Symmes Township, OH (US)
Filed on Oct. 23, 2020, as Appl. No. 17/078,682.
Application 17/078,682 is a continuation of application No. 16/390,285, filed on Apr. 22, 2019, granted, now 10,891,645.
Application 16/390,285 is a continuation of application No. 14/991,265, filed on Jan. 8, 2016, granted, now 10,304,071, issued on May 28, 2019.
Claims priority of provisional application 62/129,255, filed on Mar. 6, 2015.
Prior Publication US 2021/0042778 A1, Feb. 11, 2021
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/20 (2012.01); G06Q 20/24 (2012.01); G06Q 20/26 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 30/0207 (2023.01)
CPC G06Q 30/0222 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/24 (2013.01); G06Q 20/26 (2013.01); G06Q 20/387 (2013.01); G06Q 20/401 (2013.01); G06Q 20/4012 (2013.01); G06Q 20/405 (2013.01); G06Q 20/409 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for enhancing credit transactions, the method comprising:
receiving, by a point of sale (POS) computing system, payment vehicle data corresponding to a payment vehicle for a credit transaction;
determining, by the POS computing system, whether the credit transaction is to be routed to an issuer computing system via an out-of-band network or to the issuer computing system via a card network;
transmitting, by the POS computing system, an authorization request corresponding to the credit transaction to the issuer computing system via the out-of-band network based on determining that the credit transaction is to be routed to the issuer computing system via the out-of-band network;
receiving, by the POS computing system, an authorization response message corresponding to the credit transaction from the issuer computing system via the out-of-band network; and
executing, by the POS computing system, the credit transaction based on the authorization response message received from the out-of-band network.