Transaction overrides

US12033159B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Allen Cueli · Hialeah, US
• Lori D. Van Deloo · Los Altos, US

Key dates

• Filing date: Mar 10, 2022
• Grant date: Jul 9, 2024
• Expiry date: Mar 10, 2042

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.