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

Claim 5:
6. A non-transitory computer-readable medium for storing instructions, the instructions comprising:
one or more instructions which, when executed by one or more processors of a subsystem of a retailer's computer system, cause one or more processors to:
access a subset of credit account information received 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;

store, at a database coupled with said subsystem, said subset of credit account information;
determine that a communication to the main rules system is disrupted;
access, from said database, said subset of credit account information;
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 database, said subset of credit account information to include said at least one purchase authorization;
activate a failsafe after said communication to the main rules system has been disrupted for a predefined time period, wherein said predefined time period is greater than 24 hours;
decline any transaction requests once said 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 database; and
provide, after said determination that the communication to the main rules system is operational, said reconciliation data file to the main rules system.