CYNTHIA JOYCE BLACK, CRNP
Nursing at Penn Ave, Pittsburgh, PA

License number

Pennsylvania 12509-NP

Professional information

Cynthia Black, Pittsburgh PA - CRNP

Specialties:

Nursing (Nurse Practitioner)

Address:

2 Hot Metal St, Pittsburgh 15203
(412) 432-7424 (Phone)

Languages:

English

Independent Financial Services Professional

Location:

Greater Pittsburgh Area

Cynthia Black, Pittsburgh PA

Specialties:

Nurse Practitioner

Address:

2 Hot Metal St, Pittsburgh, PA 15203

Method, System, And Apparatus For Conducting A Purchase Transaction

US Patent:

2008023, Sep 25, 2008

Filed:

Mar 19, 2007

Appl. No.:

11/687796

Inventors:

Cynthia Wills Black - Pittsburgh PA, US
Hemant Baijal - Trumbull CT, US

International Classification:

G06K 5/00

US Classification:

235380

Abstract:

A system, method, and apparatus for conducting a purchase transaction include receiving account information from a payment card device for a purchase transaction, wherein an unrestricted funds account and a restricted funds account is associated with the payment card device; receiving account type data representative of one of the unrestricted funds account and the restricted funds account to associate with the purchase transaction by a transaction terminal; transmitting payment transaction data, including the account type data, from the transaction terminal to a payment network; routing the payment transaction data to one of a first network and a second network based on the account type data associated with the payment transaction data; determining whether the routing is successful; and re-routing, in an instance the routing is not successful, the payment transaction to the first network or the second network not selected in the routing of the payment transaction.