Patent ID: 11928701
Assignee: WORLDPAY, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
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.