Patent ID: 11972434
Assignee: BREAD FINANCIAL PAYMENTS, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A system comprising:
a main rules system comprising:
a memory;
a communications capability;
a storage, to store a set of credit account information; and, one or more processors to:
develop a subset of credit account information from the set of credit account information 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; and

distribute the subset of credit account information to at least one subsystem of a retailer's computer system; and
said at least one subsystem of a retailer's computer system, said at least one subsystem comprising:
a subsystem memory to store said subset of credit account information; and
one or more subsystem processors to:
access, from said subsystem memory, the subset of credit account information received from the main rules system;
determine that a communication to the main rules system is disrupted;
utilize the subset of credit account information to make at least one purchase authorization while said communication to said main rules system is disrupted;
update, at said subsystem memory, said subset of credit account information to include said at least one purchase authorization;
activate a failsafe after the communication to the main rules system has been disrupted fora predefined time period, wherein said predefined time period is at least 24 hours;
decline any transaction requests once the failsafe has been activated;
determine that said communication to said main rules system is operational;
generate a reconciliation data file from said updated subset of credit account information of said subsystem memory; and
provide, after said determination that the communication to the main rules system is operational, said reconciliation data file to the main rules system.