Visa International Service Association

Michele Lauren Banks Larsen

Steven Cracknell

Gwen Diane Ma

Laura Angevine Long

Mary Theresa Taylor

David Richey

Mary Taylor

Systems, methods, and apparatuses for implementing, managing, controlling, or otherwise processing customer recurrence data for transactions, such as a transaction between a customer and a resource provider, e.g., a merchant.

System, method, and apparatus for processing customer recurrence data for transactions

Provided is a computer-implemented method, system, and computer program product for stand-in processing. The method includes receiving a transaction request message corresponding to a transaction, the transaction request message including a transaction value and an account identifier, determining whether to process the transaction request message as a stand-in transaction based at least partially on the transaction request message, in response to determining to process the transaction request message as a stand-in transaction, determining an account capacity corresponding to the account identifier, determining whether to authorize the stand-in transaction based at least partially on the transaction value and the account capacity, and in response to determining to authorize the stand-in transaction, completing the stand-in transaction. A system and computer program product are also disclosed.

System, method, and computer program product for stand-in processing

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Ellicott City, MD, United States of America

Michele Lauren Banks Larsen