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

Claim 8:
9. A system for enhanced credit transactions, the system comprising:
a point of sale computing device comprising a processor executing instructions stored in memory, wherein the instructions cause the processor to perform a method comprising:
receiving payment vehicle data corresponding to a payment vehicle for a credit transaction;
determining 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 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 an authorization response message corresponding to the credit transaction from the issuer computing system via the out-of-band network; and
executing the credit transaction based on the authorization response message received from the out-of-band network.