Rules engine for applying rules from a reviewing network to signals from an originating network

A rules engine for providing stand-in authorization services for a payment transaction initiated by a cardholder with a merchant using a payment card over a payment network, said rules engine comprising a processor communicatively coupled to a memory device, said rules engine configured to:

• store authorization rules within said memory device, wherein the authorization rules are provided on behalf of an issuer of the payment card for providing the stand-in authorization services;
• receive a first authorization message including authorization data for the payment transaction initiated by the cardholder and a stand-in flag requesting that the stand-in authorization services be provided for the payment transaction on behalf of the issuer;
• identify the issuer by performing a lookup in the memory device using the received authorization data for the payment transaction and retrieve the authorization rules for the identified issuer from said memory device;
• generate a second authorization message indicating whether the payment transaction is authorized or declined on behalf of the issuer based upon the authorization rules and the authorization data, and without any additional input from the issuer;
• and
• transmit the second authorization message to the merchant.

A method for providing stand-in authorization services for a payment transaction initiated by a cardholder with a merchant using a payment card over a payment network, said method is implemented by a rules engine comprising a processor communicatively coupled to a memory device, said method comprising:

• storing authorization rules within said memory device, wherein the authorization rules are provided on behalf of an issuer of the payment card for providing the stand-in authorization services;
• receiving a first authorization message including authorization data for the payment transaction initiated by the cardholder and a stand-in flag requesting that the stand-in authorization services be provided for the payment transaction on behalf of the issuer;
• identifying the issuer by performing a lookup in the memory device using the received authorization data for the payment transaction and retrieve the authorization rules for the identified issuer from said memory device;
• generating a second authorization message indicating whether the payment transaction is authorized or declined on behalf of the issuer based upon the authorization rules and the authorization data, and without any additional input from the issuer;
• and
• transmitting the second authorization message to the merchant.

A non-transitory computer-readable storage medium having computer-executable instructions embodied thereon for providing stand-in authorization services for a payment transaction initiated by a cardholder with a merchant using a payment card over a payment network, wherein when executed by a rules engine comprising a processor communicatively coupled to a memory device, the computer-executable instructions cause the rules engine to:

• store authorization rules within said memory device, wherein the authorization rules are provided on behalf of an issuer of the payment card for providing the stand-in authorization services;
• receive a first authorization message including authorization data for the payment transaction initiated by the cardholder and a stand-in flag requesting that the stand-in authorization services be provided for the payment transaction on behalf of the issuer;
• identify the issuer by performing a lookup in the memory device using the received authorization data for the payment transaction and retrieve the authorization rules for the identified issuer from said memory device;
• generate a second authorization message indicating whether the payment transaction is authorized or declined on behalf of the issuer based upon the authorization rules and the authorization data, and without any additional input from the issuer;
• and
• transmit the second authorization message to the merchant.