Auto-Adjudicating Real-Time Card Transactions Using Delayed Transaction Records
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United States of America Patent
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Issued Date -
Feb 23, 2017
app pub date -
Aug 17, 2016
filing date -
Aug 18, 2015
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Abstract
Disclosed herein are system, method, and computer program product embodiments for auto-adjudicating a real-time card transaction (TXN) received by a TXN manager of a plan management system. Upon receiving a delayed TXN record from a merchant, a card processor, or an insurance plan provider, an adjudication component of the plan management system may determine whether to associate the delayed TXN record with a card TXN record associated with the real-time card TXN. Based on the determining, the adjudication component may store the received delayed TXN record in association with the card TXN record. Then, the adjudication component determines whether the card TXN record can be adjudicated using the delayed TXN record associated with the card TXN record. In response to adjudicating the card TXN record, the adjudication component designates the card TXN as adjudicated.
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