US 11,972,434 B2
Distributed credit account information
Christian Billman, Gahanna, OH (US); Uchenna Chilaka, Blacklick, OH (US); and Jess Lawrence, Lewis Center, OH (US)
Assigned to BREAD FINANCIAL PAYMENTS, INC., Columbus, OH (US)
Filed by BREAD FINANCIAL PAYMENTS, INC., Columbus, OH (US)
Filed on Nov. 20, 2019, as Appl. No. 16/689,642.
Claims priority of provisional application 62/852,909, filed on May 24, 2019.
Prior Publication US 2020/0372506 A1, Nov. 26, 2020
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/06 (2012.01); G06Q 20/34 (2012.01); G06Q 40/03 (2023.01)
CPC G06Q 20/405 (2013.01) [G06Q 20/0658 (2013.01); G06Q 20/341 (2013.01); G06Q 20/407 (2013.01); G06Q 40/03 (2023.01)] 14 Claims
OG exemplary drawing
 
1. A method for distributing credit account information, the method comprising:
receiving, at a subsystem of a retailer's computer system, a subset of credit account information from a main rules system, the subset of credit account information comprising:
an account identifier;
a credit available amount for each account in the subset of credit account information; and
a higher fraud risk threshold than a fraud risk threshold of the main rules;
storing, at a database coupled with said subsystem, said subset of credit account information;
determining, at the subsystem, that a communication to the main rules system is disrupted;
accessing, from said database via said subsystem, said subset of credit account information;
utilizing, at the subsystem, the subset of credit account information to make at least one purchase authorization while said communication to said main rules system is disrupted;
updating, at said database via said subsystem, said subset of credit account information to include said at least one purchase authorization;
activating a failsafe after said communication to said main rules system has been disrupted for a predefined time period, wherein said predefined time period is at least 24 hours;
declining any transaction requests once said failsafe has been activated;
determining, at the subsystem, that said communication to said main rules system is operational;
generating, at said subsystem, a reconciliation data file from said updated subset of credit account information of said database; and
providing, from said subsystem after said determining that the communication to the main rules system is operational, said reconciliation data file to the main rules system.