CACHED BALANCE INSPECTION IN REAL-TIME CARD TRANSACTIONS
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United States of America Patent
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Issued Date -
Feb 15, 2024
app pub date -
Oct 23, 2023
filing date -
Dec 7, 2020
priority date (Note) -
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status (Latency Note)
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Abstract
A transaction processing server may include a set of stored program rules specific to a supplier account and a cached balance value for a card account associated with an end user. The transaction processing server may receive an authorization request for a transaction between the end user and the supplier account. Additionally, the transaction processing server may send an approval request with transaction details to a supplier computer for approval to complete the transaction by the supplier account. The transaction processing server may also determine that the supplier computer is offline and, in response, determine to approve the authorization request at the transaction processing server on behalf of the supplier account based on the set of stored program rules specific to the supplier account and the cached balance value for the card account.
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