Patent ID: 7925585

Claim:
A method comprising: receiving, at the first financial account issuer server for facilitating a transaction, a request to debit a first amount from a first financial account having a first identifier associated with the first financial account, wherein the request to debit includes the first identifier, the first amount to be debited and a second identifier associated with a second financial account, and wherein the first financial account issuer server issued the first financial account; determining, by the first financial account issuer server, if the request to debit the first financial account is fraudulent; debiting, by the first financial account issuer server, the first amount from the first financial account, if the request to debit the first financial account is not fraudulent; and transmitting, from the first financial account issuer server to a second financial account issuer server, a request to credit at least a portion of the first amount to the second financial account having the second identifier associated with the second financial account, wherein the second financial account is issued by the second financial account issuer server, and wherein the second financial account issuer server determines if the request to credit the second financial account is fraudulent based upon a fraud analysis routine, wherein the fraud analysis routine analyzes pre-determined criteria associated with the request to debit, the request to credit, the first financial account and the second financial account, and wherein the second financial account issuer server credits at least a portion of the first amount to the second financial account, if the request to credit the second financial account is not fraudulent.