SYSTEMS, DEVICES, AND METHODS FOR PROCESSING PAYMENTS FOR A CARD

摘要

Embodiments of the disclosure include systems, methods, and devices for processing payments for a card. Such embodiments include receiving payment information from a payor at an intermediate entity server as well as authorizing the payment transaction, by the intermediate entity server, based on the payment information. Further such embodiments include providing instructions, by the intermediate entity, to debit a payor card account and credit payee shadow ledger account based on the payment information as well as providing instructions, by the intermediate entity, to debit the payee shadow ledger account and to credit the payee card account based on payment rules.

主权项

1. A method for processing a payment transaction, comprising:
receiving payment information from a payor at a computer server; authorizing the payment transaction, by the computer server, based on the payment information; providing instructions, by the computer server, to debit a payor card account; providing instructions, by the computer server, to credit a payee shadow ledger account based on the payment information; providing instructions, by the computer server, to debit the payee shadow ledger account; providing instructions, by the computer server, to credit the payee card account based on payment rules.