Delayed settlement transactions

Abstract

Methods for deferring settlement of a transaction are disclosed. A server computer receives an authorization request message for a transaction. The server computer then receives an authorization response message for the transaction. The server computer then receives a deferred settlement indicator for the transaction.

What is claimed is: 
     
         1 . A method for deferring settlement of a transaction, the method comprising:
 receiving, at a server computer, an authorization request message for a transaction;   receiving, at the server computer, an authorization response message for the transaction; and   receiving, at the server computer, a deferred settlement indicator for the transaction,   wherein the deferred settlement indicator indicates that the transaction is to be settled using a deferred settlement process.   
     
     
         2 . The method of  claim 1 , wherein the deferred settlement indicator is part of a clearing record. 
     
     
         3 . The method of  claim 2 , additionally comprising:
 sending, from the server computer, the clearing record to a sender of the authorization response message.   
     
     
         4 . The method of  claim 1 , further comprising:
 calculating, using the server computer, an authorization score.   
     
     
         5 . The method of  claim 4 , wherein the authorization score indicates a risk level of the transaction. 
     
     
         6 . The method of  claim 4 , further comprising:
 inserting, using the server computer, the authorization score into the authorization response message.   
     
     
         7 . The method of  claim 4 , further comprising:
 determining, using the server computer, that the authorization score is at or above a threshold for automatic deferral of settlement of the transaction.   
     
     
         8 . The method of  claim 1 , wherein the deferred settlement indicator results in a deferred settlement for the transaction and a lowered transaction fee. 
     
     
         9 . The method of  claim 1 , wherein the deferred settlement indicator is based on a predetermined agreement regarding which type of transactions should be deferred. 
     
     
         10 . A computer readable medium with computer readable program code embodied therein, said computer readable program code adapted to be executed by a processor to implement the method according to  claim 1 . 
     
     
         11 . A server computer comprising the computer readable medium of  claim 10 . 
     
     
         12 . A method for deferring settlement of a transaction, the method comprising:
 sending, from a server computer, an authorization request message for a transaction;   receiving, at the server computer, an authorization response message for the transaction; and   sending, from the server computer, a deferred settlement indicator for settlement of the transaction.   
     
     
         13 . The method of  claim 12 , wherein the authorization response message includes an authorization score. 
     
     
         14 . The method of  claim 13 , wherein the authorization score indicates a risk level of the transaction. 
     
     
         15 . The method of  claim 14 , wherein the risk level is based on deferred settlement parameters previously sent to the server computer. 
     
     
         16 . The method of  claim 12 , wherein the deferred settlement indicator is part of a clearing record. 
     
     
         17 . The method of  claim 16 , further comprising:
 receiving, at the server computer, a deferred settlement for the transaction after a predetermined amount of time.   
     
     
         18 . The method of  claim 17 , wherein a value of the deferred settlement is greater than a non-deferred settlement. 
     
     
         19 . The method of  claim 12 , wherein the deferred settlement indicator is part of the authorization request message. 
     
     
         20 . A computer readable medium with computer readable program code embodied therein, said computer readable program code adapted to be executed by a processor to implement a method, the method comprising:
 sending, from a server computer, an authorization request message for a transaction;   receiving, at the server computer, an authorization response message for the transaction; and   sending, from the server computer, a deferred settlement indicator for settlement of the transaction.   
     
     
         21 . A server computer comprising the computer readable medium of  claim 20 .