PROVIDING A REAL TIME CREDIT SCORE AS PART OF A TRANSACTION REQUEST

PROVIDING A REAL TIME CREDIT SCORE AS PART OF A TRANSACTION REQUEST

Providing a real time credit score to a transaction account issuer as part of the transaction authorization request message is disclosed. A payment processor augments the transaction request received from a customer or merchant by calculating a credit score and adding it to the authorization request...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: ERIKSON GLADE R, FISHER DWAYNE, ALLEN CLINTON R, KHOSLA SANJIV
Format: Patent
Sprache:eng
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:Providing a real time credit score to a transaction account issuer as part of the transaction authorization request message is disclosed. A payment processor augments the transaction request received from a customer or merchant by calculating a credit score and adding it to the authorization request message. The real time credit score calculation may be based upon data stored by the payment processor and upon information collected from credit bureaus, transaction account issuers and other third-party sources.