SYSTEMS AND METHODS FOR COMMUNICATING LIABILITY ACCEPTANCE WITH PAYMENT CARD TRANSACTIONS
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United States of America Patent
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Issued Date -
Nov 12, 2015
app pub date -
May 7, 2014
filing date -
May 7, 2014
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Abstract
A computer-based method for communicating liability acceptance for payment card transactions is provided. The method uses a computer device including a processor and a memory. The method includes receiving, by the processor, a transaction authorization request message for a payment card transaction having a default-liable party. The transaction authorization request message includes a shifted-liability acceptance indicator identifying a different party to the transaction that accepts liability for the payment card transaction. The method also includes authorizing the payment card transaction based at least in part on the shifted-liability acceptance indicator. The shifted-liability acceptance indicator changes the liability for the payment card transaction from the default-liable party to the different party accepting liability.
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