Abstract: A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive a clearing data signal from the originating network. The clearing data signal includes clearing data for at least one transaction that has been processed by the originating network. The originating network and the reviewing network are payment networks. Additionally, the rules engine generates a clearing response data signal that includes clearing response data by comparing the clearing data to the set of predefined rules stored in the memory device. The clearing response data indicates that the reviewing network will not guarantee settlement of at least one transaction included in the clearing data. The rules engine transmits the clearing response data signal to the originating network.

Abstract: A method includes associating a virtual card number (VCN) with an account owned by a customer. The VCN is in a format used for account numbers in a payment card system. The account is not a payment card system account. After a P2M (person to merchant) push payment transaction funded by the account, a request is received from the customer to perform a chargeback with respect to the P2M transaction. A message is transmitted to execute the requested chargeback. The message includes the VCN.

Abstract: A method includes associating a virtual card number (VCN) with an account owned by a customer. The VCN is in a format used for account numbers in a payment card system. The account is not a payment card system account. After a P2M (person to merchant) push payment transaction funded by the account, a request is received from the customer to perform a chargeback with respect to the P2M transaction. A message is transmitted to execute the requested chargeback. The message includes the VCN.

Abstract: A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive a clearing data signal from the originating network. The clearing data signal includes clearing data for at least one transaction that has been processed by the originating network. The originating network and the reviewing network are payment networks. Additionally, the rules engine generates a clearing response data signal that includes clearing response data by comparing the clearing data to the set of predefined rules stored in the memory device. The clearing response data indicates that the reviewing network will not guarantee settlement of at least one transaction included in the clearing data. The rules engine transmits the clearing response data signal to the originating network.

Abstract: A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive a clearing data signal from the originating network. The clearing data signal includes clearing data for at least one transaction that has been processed by the originating network. The originating network and the reviewing network are payment networks. Additionally, the rules engine generates a clearing response data signal that includes clearing response data by comparing the clearing data to the set of predefined rules stored in the memory device. The clearing response data indicates that the reviewing network will not guarantee settlement of at least one transaction included in the clearing data. The rules engine transmits the clearing response data signal to the originating network.

Abstract: A digital account reference is associated with a user's account. A refund message is received. The refund message includes the digital account reference. A monetary amount is credited to the user's account based on the refund message. A notification is transmitted to the user. The notification is about the credit to the account. The transmission of the notification occurs immediately after the refund message is received.

Abstract: A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive a clearing data signal from the originating network. The clearing data signal includes clearing data for at least one transaction that has been processed by the originating network. The originating network and the reviewing network are payment networks. Additionally, the rules engine generates a clearing response data signal that includes clearing response data by comparing the clearing data to the set of predefined rules stored in the memory device. The clearing response data indicates that the reviewing network will not guarantee settlement of at least one transaction included in the clearing data. The rules engine transmits the clearing response data signal to the originating network.