Customer refunds by a merchant agent
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United States of America Patent
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Nov 18, 2014
Grant Date -
N/A
app pub date -
Apr 2, 2008
filing date -
Apr 2, 2007
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
A customer can obtain a refund for a credit card purchase by interacting with an agent of the merchant. The existing payment infrastructure is used, but without the direct participation of the merchant and without generating a chargeback against the merchant. A customer request for a refund is received and validated against multiple data streams including sales data and/or fraud screening databases. For a validated refund request, refund data is stored in a refund database and communicated over the payment processing network to create the refund from the merchant to the customer credit card.
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