Patent ID: 6997378

Claim:
A method of updating a merchant customer transaction account database using a computer network, comprising: receiving a first plurality of customer transaction account records; pre-authorizing said first plurality of customer transaction account records, storing said pre-authorized said first plurality of customer transaction account records on a local database, said local database being maintained by a local process server; storing said pre-authorized said first plurality of customer transaction account records in a remote database, said remote database being accessed through a remote process server; providing a periodic registry file to said remote process server, said periodic registry file comprising a update request to said pre-authorized plurality of customer transaction account records, said process server comparing said periodic registry file to said pre-authorized said first plurality of customer transaction account record, and updating said pre-authorized said first plurality of customer transaction account records according to a predetermined order of process steps, said remote process server generating a maintenance file in response to said comparison of said periodic registry file to said pre-authorized said first plurality of customer transaction account record; providing said maintenance file to said local process server, said local process server comparing said maintenance file to said pre-authorized said first plurality of customer transaction account records on a local database; and updating said pre-authorized said first plurality of customer transaction account records on a local database in response to said maintenance file.