Visa International Service Association

Praveen Kumar Suresh Guggarigoudar

Navendu Misra

Durga S Kala

Juharasha Shaik

Marc Corbalan Vila

Stuart Mark Williams

Nipun Agarwal

Vahini Mohan

Xuepeng Li

Andrey Masharov

Rajiv Ranjan

Ravi Rameshbhai Alagiya

Kavish Agarwal

Anuvind Pushpak

Systems, methods, and computer program products may store, in a distributed cache, a rule associated with a plurality of accounts in a Real-Time Payments (RTP) network, the rule being stored in association with account data associated with the plurality of accounts; receive an account level exclusion directive associated with the account; store, in the distributed cache, the account level exclusion directive in association with the account; receive transaction data associated with a transaction in the RTP network between the account and another account; retrieve, from the distributed cache, the rule, the account level exclusion directive, and the account data associated with the account; exclude, based on the account level exclusion directive, use of the rule for processing the transaction; and process, without applying the rule, the transaction in the RTP network.

System, method, and computer program product for real-time account level rule exclusion for real-time payments

Systems, methods, and computer program products for a contactless automated teller machine (ATM) experience receive, from a telephone number, a first short message service (SMS) message including a unique identifier associated with an ATM terminal; in response to receiving the first SMS message, communicate, to the ATM terminal, a first password associated with the telephone number and the unique identifier; receive, from the telephone number, a second SMS message including the first password; verify the first password; in response to verifying the first password, transmit, to the telephone number, a third SMS message including an option to withdraw cash from the ATM terminal; receive, from the telephone number, a fourth SMS message including a selection of the option to withdraw the cash from the ATM terminal; and communicate, to the ATM terminal, a cash dispense command that causes the ATM terminal to dispense the cash.

System, method, and computer program product for a contactless ATM experience

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Cedar Park, TX, United States of America

Praveen Kumar Suresh Guggarigoudar