NOVA Information Systems, Inc. v. Greenwich Insurance

BIRCH, Circuit Judge:

This appeal stems from the financial woes of Premier Operations, Ltd. d/b/a Premier Cruise Lines (“Premier”), a pleasure cruise company, and involves a cast of four main characters: (1) Premier; (2) the passengers whose vacation plans were thwarted by the cruise line’s financial troubles and who pre-paid for their cruise with their Visa or MasterCard; (3) the plaintiff-appellant credit card processing company, NOVA Information Systems, Inc. (“NOVA”), which ultimately reimbursed disappointed passengers who paid with their Visa or MasterCard; and (4) the defendant-appellee…