Visa International Service Association

Xuepeng Li

Navendu Misra

Durga S Kala

Juharasha Shaik

Marc Corbalan Vila

Stuart Mark Williams

Nipun Agarwal

Praveen Kumar Suresh Guggarigoudar

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

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Foster City, CA, United States of America

Xuepeng Li