Systems and methods for managing transactions by consolidating associated transactions

A computer-implemented method for managing transactions, the method comprising:

• receiving transaction information for a transaction, the transaction information including an identifier and a transaction amount associated with the transaction;
• comparing the transaction amount to a threshold to determine whether the transaction amount is equal to or above the threshold, or whether the transaction amount is below the threshold;
• and
• in response to determining that the transaction amount is below the threshold:
• obtaining pending transaction information, wherein the pending transaction information includes a plurality of transactions, each of the plurality of transactions having been previously received and not yet processed, and each of the plurality of transactions having corresponding identifiers and transaction amounts;
• identifying whether there is at least one pending transaction of the plurality of transactions that has a same identifier as the identifier of the transaction;
• and
• in response to identifying that there is at least one pending transaction of the plurality of transactions that has the same identifier as the identifier of the transaction, setting the at least one pending transaction of the plurality of transactions as an at least one associated transaction;
• and
• in response to setting the at least one pending transaction of the plurality of transactions as the at least one associated transaction, processing the transaction and the at least one associated transaction when a total transaction amount for the transaction and the at least one associated transaction is equal to or above the threshold;
• wherein the processing the transaction and the least one associated transaction includes:
• generating a first transaction message to be sent to a first transaction processing network and a second transaction message to be sent to a second transaction processing network, the first transaction message including message information, the message information indicating the total transaction amount, the second transaction message including de-coupling information that associates the first transaction message with the transaction and the at least one associated transaction, the de-coupling information including data indicating a time and an amount for each of the transaction and the least one associated transaction;
• and
• transmitting the first transaction message and the second transaction message to the first transaction processing network and the second transaction processing network, respectively,
• wherein the first transaction processing network is a transaction processor system, the transaction processor system transmits a request for payment for the total transaction amount to one or more card association systems, the second transaction processing network is the transaction processor system, an issuing bank system, or a merchant bank system, and the second transaction processing network uses the de-coupling information of the second transaction message to de-couple information about consolidated transactions from a payment process that operates through the one or more card association systems.

A computer-implemented method for managing transactions, the method comprising:

• receiving transaction information for a transaction, the transaction information including an identifier and a transaction amount associated with the transaction;
• comparing the transaction amount to a threshold to determine whether the transaction amount is equal to or above the threshold, or whether the transaction amount is below the threshold;
• and
• in response to determining that the transaction amount is below the threshold:
• obtaining pending transaction information, wherein the pending transaction information includes a plurality of transactions, each of the plurality of transactions having been previously received and not yet processed, and each of the plurality of transactions having corresponding identifiers and transaction amounts;
• identifying whether there is at least one pending transaction of the plurality of transactions that has a same identifier as the identifier of the transaction;
• and
• in response to identifying that there is at least one pending transaction of the plurality of transactions that has the same identifier as the identifier of the transaction, processing the transaction and the at least one pending transaction when a total transaction amount for the transaction and the at least one pending transaction is equal to or above the threshold;
• wherein the processing the transaction and the least one pending transaction includes:
• generating a first transaction message to be sent to a first transaction processing network and a second transaction message to be sent to a second transaction processing network, the first transaction message including message information, the message information indicating the total transaction amount, the second transaction message including de-coupling information that associates the first transaction message with the transaction and the at least one pending transaction, the de-coupling information including data indicating a time and an amount for each of the transaction and the least one pending transaction;
• and
• transmitting the first transaction message and the second transaction message to the first transaction processing network and the second transaction processing network, respectively,
• wherein the first transaction processing network is a transaction processor system, the transaction processor system transmits a request for payment for the total transaction amount to one or more card association systems, the second transaction processing network is the transaction processor system, an issuing bank system, or a merchant bank system, and the second transaction processing network uses the de-coupling information of the second transaction message to de-couple information about consolidated transactions from a payment process that operates through the one or more card association systems.