# US 10,373,168 B2 · Method and system for retry processing of controlled payment transactions

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- Number: US 10,373,168 B2
- Document ID: US10373168B2
- Status: Granted
- Kind: B2
- Application number: 14/594,582
- Filed: 2015-01-12
- Published: 2016-07-14
- Granted: 2019-08-06
- Earliest claimed: 2015-01-12
- Assignees: Mastercard International Incorporated
- Applicants: MasterCard International Incorporated
- Inventors: Mikhail Blinov; Gregory Coburn
- Web page: https://patentgrep.com/patent/US10373168B2

## CPC

- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q 20/4037: {Remote solvency checks}
- G06Q 20/4093: {Monitoring of device authentication}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A method for retrying processing of a controlled payment transaction includes: storing, in a first database, account profiles, each including data related to a transaction account including an account identifier and account controls; storing, in a second database, the account profiles stored in the first database, wherein data in each account profile in the second database corresponds to data in the corresponding account profile in the first database; receiving an authorization request for a transaction, the request including a specific account identifier and transaction data; determining an approval or denial of the transaction based on the account controls included in a profile in the second database including the specific account identifier and the transaction data if an attempt to determine approval or denial based on the account controls included in a corresponding account profile in the first database fails; and processing the payment transaction based on the determination.

## Claims

### Claim 1

A method for retrying processing of a controlled payment number transaction via dual processing and data redundancy, comprising:
storing, in a first database of a processing server, a plurality of account profiles, wherein each account profile includes data related to a transaction account including at least an account identifier and one or more account controls;
storing, in a second database of the processing server, each of the plurality of account profiles stored in the first database, wherein data included in each account profile stored in the second database corresponds to data included in the corresponding account profile in the first database, and wherein the second database is a read-only database;
storing, in a memory device, a normal transaction processing queue data structure, wherein the normal transaction processing queue data structure includes a first set of one or more pending authorization requests for which processing is required and a determination associated with each of the first set of one or more pending authorization requests;
storing, in the memory device, a priority transaction processing queue data structure, wherein the priority transaction processing queue data structure includes pending authorization requests for which processing is required and a determination associated with each respective pending authorization request, wherein the processing device is configured to process pending authorization requests stored in the priority transaction processing queue data structure before processing pending authorization requests stored in the normal transaction processing queue data structure;
receiving, by a receiving device of the processing server, via a point of sale device associated with a merchant, a current authorization request for a current payment transaction, wherein the current authorization request includes at least a specific account identifier and transaction data;
responsive to an unsuccessful attempt to determine, by a primary processing device of the processing server, approval or denial of the current authorization request for the current payment transaction based on the one or more account controls included in a corresponding account profile stored in the first database where the included account identifier corresponds to the specific account identifier:
storing, by a secondary processing device of the processing server in the memory device in the priority transaction processing queue data structure, the current authorization request for the current payment transaction; and
determining, by the secondary processing device of the processing server, an approval or denial of the current payment transaction stored in the priority transaction processing queue data structure based on at least the one or more account controls included in an account profile stored in the second database where the included account identifier corresponds to the specific account identifier and the transaction data included in the received current authorization request;
processing, by the secondary processing device of the processing server, the current payment transaction based on the determined approval or denial, wherein the processing, by the second processing device of the processing server, of the current authorization request for the current payment transaction stored in the priority transaction processing queue data structure occurs before processing any of the pending authorization requests stored in the memory device in the normal processing queue data structure; and
responsive to determining that the current payment transaction is to be approved, transmitting, by a transmitting device of the processing server, the current authorization request to a financial institution associated with the transaction account related to the account profile that includes an account identifier corresponding to the specific account identifier.

### Claim 2 (depends on 1)

The method of claim 1, wherein processing the current payment transaction includes transmitting, by the transmitting device, (i) an authorization response indicating denial of the current payment transaction as a response to the received authorization request, responsive to determining that the current payment transaction is to be denied, or (ii) the current authorization request to an issuer of the transaction account related to the account profile that includes an account identifier corresponding to the specific account identifier, responsive to determining that the current payment transaction is to be approved.

### Claim 3 (depends on 1)

The method of claim 1, further comprising:
updating, by the primary processing device in the first database, data included in the account profile where the included account identifier corresponds to the specific account identifier based on the transaction data included in the received current authorization request.

### Claim 4 (depends on 3)

The method of claim 3, wherein the data included in the account profile is updated responsive to determining the current payment transaction is to be approved.

### Claim 5 (depends on 1)

The method of claim 1, wherein processing the current payment transaction includes storing, in the memory, the received current authorization request and the corresponding determination of approval or denial at a top of the priority transaction processing queue data structure.

### Claim 6 (depends on 1)

The method of claim 1, further comprising:
updating, by the primary processing device for each authorization request stored in the normal transaction processing queue data structure, data included in an account profile in the first database where the included account identifier corresponds to an account identifier included in the respective authorization request stored in the normal transaction processing queue data structure based on the transaction data included in the respective authorization request.

### Claim 7 (depends on 1)

The method of claim 1, wherein the attempt to determine, by the primary processing device of the processing server, approval or denial of the current payment transaction is unsuccessful responsive to the primary processing device being unable to determine approval or denial of the current payment transaction within a predetermined amount of time.

### Claim 8

A system for retrying processing of a controlled payment number transaction via a dual processor and a redundant database, comprising:
a first database of a processing server configured to store a plurality of account profiles, wherein each account profile includes data related to a transaction account including at least an account identifier and one or more account controls;
a second database of the processing server configured to store each of the plurality of account profiles stored in the first database, wherein data included in each account profile stored in the second database corresponds to data included in the corresponding account profile in the first database, and wherein the second database is a read-only database;
a memory device configured to store:
a normal transaction processing queue data structure, wherein the normal transaction processing queue data structure includes a first set of one or more pending authorization requests for which processing is required and a determination associated with each of the first set of one or more pending authorization requests, and
a priority transaction processing queue data structure, wherein the priority transaction processing queue data structure includes pending authorization requests for which processing is required and a determination associated with each respective pending authorization request, wherein the processing device is configured to process pending authorization requests stored in the priority transaction processing queue data structure before processing pending authorization requests stored in the normal transaction processing queue data structure;
a receiving device of the processing server configured to receive, via a point of sale device associated with a merchant, a current authorization request for a current payment transaction, wherein the current authorization request includes at least a specific account identifier and transaction data;
a transmitting device of the processing server; and
a primary processing device of the processing server and a secondary processing device of the processing server, wherein the primary processing device of the processing server and the secondary processing device of the processing server are configured to:
responsive to an unsuccessful attempt to determine, by a primary processing device of the processing server, approval or denial of the current authorization request for the current payment transaction based on the one or more account controls included in a corresponding account profile stored in the first database where the included account identifier corresponds to the specific account identifier:
storing, by a secondary processing device of the processing server in the memory device in the priority transaction processing queue data structure, the current authorization request for the current payment transaction; and
determine, by the secondary processing device of the processing server, an approval or denial of the current payment transaction stored in the priority transaction processing queue data structure based on at least the one or more account controls included in an account profile stored in the second database where the included account identifier corresponds to the specific account identifier and the transaction data included in the received current authorization request;
wherein:
the secondary processing device of the processing server is configured to process the current payment transaction based on the determined approval or denial, wherein the processing, by the second processing device of the processing server, of the current authorization request for the current payment transaction stored in the priority transaction processing queue data structure occurs before processing any of the pending authorization requests stored in the memory device in the normal processing queue data structure; and
responsive to determining that the current payment transaction is to be approved, the transmitting device is configured to transmit the current authorization request to a financial institution associated with the transaction account related to the account profile that includes an account identifier corresponding to the specific account identifier.

### Claim 9 (depends on 8)

The system of claim 8, wherein the transmitting device is further configured to transmit (i) an authorization response indicating denial of the current payment transaction as a response to the received authorization request, responsive to determining that the current payment transaction is to be denied, or (ii) the current authorization request to an issuer of the transaction account related to the account profile that includes an account identifier corresponding to the specific account identifier, responsive to determining that the current payment transaction is to be approved.

### Claim 10 (depends on 8)

The system of claim 8, wherein the primary processing device is further configured to update, in the first database, data included in the account profile where the included account identifier corresponds to the specific account identifier based on the transaction data included in the received current authorization request.

### Claim 11 (depends on 10)

The system of claim 10, wherein the data included in the account profile is updated responsive to determining the current payment transaction is to be approved.

### Claim 12 (depends on 8)

The system of claim 8, wherein processing the current payment transaction includes storing, in the memory, the received current authorization request and the corresponding determination of approval or denial at a top of the priority transaction processing queue data structure.

### Claim 13 (depends on 8)

The system of claim 8, wherein the primary processing device is further configured to update, for each authorization request stored in the normal transaction processing queue data structure, data included in an account profile in the first database where the included account identifier corresponds to an account identifier included in the respective authorization request stored in the normal transaction processing queue data structure based on the transaction data included in the respective authorization request.

### Claim 14 (depends on 8)

The system of claim 8, wherein the attempt to determine, by the primary processing device of the processing server, approval or denial of the current payment transaction is unsuccessful responsive to the primary processing device being unable to determine approval or denial of the current payment transaction within a predetermined amount of time.

### Claim 15 (depends on 1)

The method of claim 1, wherein responsive to determining that the current payment transaction is to be denied, transmitting, by the transmitting device to an issuer of the transaction account related to the account profile that includes the account identifier corresponding to the specific account identifier, the current authorization request along with an indication to deny the current payment transaction.

### Claim 16 (depends on 8)

The system of claim 8, wherein responsive to determining that the current payment transaction is to be denied, transmitting, by the transmitting device to an issuer of the transaction account related to the account profile that includes the account identifier corresponding to the specific account identifier, the current authorization request along with an indication to deny the current payment transaction.