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US 2020/0005322 A1Published application
Transaction overrides
AssigneeVisa International Service Association
InventorsAllen Cueli, Lori D. Van Deloo
Life of this patent
Estimating the term…
Abstract
Systems and methods are presented for payment transaction overrides and system initiated payment splitting. In one embodiment, a first authorization request associated with a first account is monitored at an override computer, an override trigger is identified, and a transaction override approval is received. Override authorization requests are then sent, and responses to the override authorization requests are received at the override computer. A response to the initial authorization request is the sent based on the response received to the override authorization request. In alternative embodiments the override requests are cascaded, or include requests for new account creation.
Claims21
-20. (canceled)
A computer implemented method comprising:
- receiving, by a transaction override computer system, an initial payment transaction authorization request associated with a first account of a user via a first communication path, wherein the initial payment transaction authorization request is received from a merchant computer;
- interrupting, by the transaction override computer system, a message denying approval of the initial payment transaction authorization request from an issuer of the first account directed to the merchant computer;
- identifying, by the transaction override computer system, a transaction override trigger associated with the first account of the user after the initial payment transaction authorization request has been denied by the issuer of the first account, the transaction override trigger for splitting a total payment amount of the initial payment transaction authorization request between two or more payment accounts of the user;
- splitting, by the transaction override computer system, the total payment amount into a first partial payment amount and at least a second partial payment amount;
- transmitting, by the transaction override computer system, to the issuer of the first account, a request to authorize payment of the first partial payment amount using the first account;
- transmitting, by the transaction override computer system, a transaction override authorization request to an issuer of a second account of the user registered with the transaction override computer system, wherein the transaction override authorization request includes a request to authorize payment of the second partial payment amount using the second account;
- receiving, by the transaction override computer system, a response to the transaction override authorization request from the issuer of the second account;
- and
- transmitting, by the transaction override computer system to the merchant computer, a response to the initial payment transaction authorization request authorizing or denying the total payment amount based on a response received for the request to authorize payment of the first partial payment amount by the issuer of the first account and the response received for the transaction override authorization request by the issuer of the second account.
6 more elements
A server computer comprising:
- a processor;
- and
- a non-transitory computer readable medium comprising code that, when executed by the processor, causes the processor to:
- receive a transaction override computer system, an initial payment transaction authorization request associated with a first account of a user via a first communication path, wherein the initial payment transaction authorization request is received from a merchant computer;
- interrupt a message denying approval of the initial payment transaction authorization request from an issuer of the first account directed to the merchant computer;
- identify a transaction override trigger associated with the first account of the user after the initial payment transaction authorization request has been denied by the issuer of the first account, the transaction override trigger for splitting a total payment amount of the initial payment transaction authorization request between two or more payment accounts of the user;
- split the transaction override computer system, the total payment amount into a first partial payment amount and at least a second partial payment amount;
- transmit to the issuer of the first account, a request to authorize payment of the first partial payment amount using the first account;
- transmit a transaction override authorization request to an issuer of a second account of the user registered with the transaction override computer system, wherein the transaction override authorization request includes a request to authorize payment of the second partial payment amount using the second account;
- receive a response to the transaction override authorization request from the issuer of the second account;
- and
- transmit, to the merchant computer, a response to the initial payment transaction authorization request authorizing or denying the total payment amount based on a response received for the request to authorize payment of the first partial payment amount by the issuer of the first account and the response received for the transaction override authorization request by the issuer of the second account.
9 more elements
Dependencies are inferred from the claim text.