US Patent 11972434 Distributed credit account information

A system and method for distributed credit account information is disclosed. The method receives, at a subsystem, a subset of credit account information from a main rules system. The subsystem then determines that a communication to the main rules system is disrupted. The subsystem utilizes the subset of credit account information to make at least one purchase authorization decision. After determining that the communication to the main rules system is operational, the subsystem provides a reconciliation data file including the at least one purchase authorization decision to the main rules system.