Barclaycard....Advice needed

You mean like Visa's database of ATMs. It includes one near me for a branch that closed about 10 years ago, whilst missing another which was installed at about the same time.

"Alex" wrote

Now it just sounds like you're trying to *create* problems!

You started-off effectively saying that "it's too difficult". But when shown how easily it could be produced (amalgamating acquirer's databases), you change tack and say that they wouldn't *want* to!

"Alex" wrote

They wouldn't - they'd continually update it, either whenever the acquirers update theirs, or at regular (frequent) intervals.

Or do you think that the acquirer's records of their merchants are "permanently out of date" ?

At 03:57:28 on 12/08/2006, Tim delighted uk.finance by announcing:

Let's look at the requirements then:

1. Change the aquirer systems to send the information to the card scheme and keep it updated (requiring new protocols)
2. Change the card scheme systems to accept the information and store it (requiring new databases).
3. Change the issuer systems in some (as yet) unspecified way so that they can alert the card scheme to an unwanted transaction. I'm not entirely sure why you think that the card scheme having the database would help with this in any way.

So it may make it slightly easier in the eyes of the cardholder at the expense of a major system change at the issuer/acquirer/card scheme end when they already have the chargeback system that works perfectly well as far as they're concerned.

Why should it be permanently out of date? It would be a distributed database with each individual acquirer holding up to date details of the merchants they deal with. Those acquirers would be networked with Visa/MasterCard so that queries could be performed from other organisations on the network.

Chris