DYNAMIC AND PREDICTIVE ADJUSTMENT OF PAYMENT ATTRIBUTES BASED ON CONTEXTUAL DATA AND METADATA

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United States of America Patent

APP PUB NO 20240135351A1
SERIAL NO

18401668

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Abstract

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Implementations described herein relate to systems, methods and computer-readable media to provide high availability computer architectures for performing real-time authorization of transactions. In some implementations, the method includes receiving, at two or more groups of authorization control pods, transaction information about the transaction from a payment network, wherein each authorization control pod includes a processing service, a database service, and a policy agent; processing, at a corresponding policy agent of a single authorization control pod of the two or more groups of the authorization control pods, the transaction information by comparing one or more transaction attributes in the transaction information combined with contextual and historic data against one or more policies stored in the database service; and based on the comparison, transmitting one of an approval or a rejection of the transaction to the payment network.

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Patent Owner(s)

Patent OwnerAddress
ZACT INC14435 C BIG BASIN WAY SUITE 265 SARATOGA CA 95070

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Georgiadis, Ioannis Voula, GR 7 297
Thomas, John K Saratoga, US 43 1653

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