METHOD AND SYSTEM FOR REAL-TIME CONTROLS ON CREDIT CHECK REQUESTS

A method for determining real-time authorization of a credit check includes: storing a plurality of account profiles, each including an account number and communication preferences; receiving a transaction message related to an electronic transaction from a payment network, the message including a s...

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Bibliographische Detailangaben
Hauptverfasser:	DHALA, Amyn, Mohamed, PACHER, Frederick, Michael, SAVOYE, Mark, N, BUGH, Jill, Boyd
Format:	Patent
Sprache:	eng ; fre ; ger
Schlagworte:	CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:	A method for determining real-time authorization of a credit check includes: storing a plurality of account profiles, each including an account number and communication preferences; receiving a transaction message related to an electronic transaction from a payment network, the message including a specific account number, a credit identifier, and transaction data; identifying a specific account profile that includes the specific account number; transmitting a credit check request to a computing device associated with the specific account profile based on the communication preferences, the credit check request including data stored in the received transaction message; receiving an indication of approval of a credit check associated with the electronic transaction from the computing device; and transmitting a return message to the payment network, wherein the return message includes the indication of approval.