Abstract
From the background information supplied by the inventors, news correspondents o btained the following quote: “The present subject matter seeks to address techni cal problems existing in conventional payment processors. For example, while pay ment processors seek to provide merchants with an easy and efficient mechanism f or collecting payments from customers, collecting such payments may present diff iculties for various reasons. One such difficulty involves payments that do not process for some reason. For example, a recurring credit card charge may be atte mpted to be billed on a particular day and time each month, but it may turn out that the processing of the payment may be rejected because, for example, the use r has an insufficient credit limit left on the card, or the card has expired, or the credit card company’s fraud protection has denied the charge. It can be dif ficult to determine whether these rejections or other non-completions of the pay ments are due to temporary reasons (whether the above examples or even just tech nical difficulties in the communications during the processing) or permanent rea sons.
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