The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jan. 23, 2024
Filed:
Feb. 18, 2022
Visa International Service Association, San Francisco, CA (US);
Navendu Misra, Austin, TX (US);
Kavish Agarwal, Austin, TX (US);
Nipun Agarwal, Austin, TX (US);
Juharasha Shaik, Fremont, CA (US);
Praveen Kumar Suresh Guggarigoudar, Cedar Park, TX (US);
Ravi Rameshbhai Alagiya, Austin, TX (US);
Rajiv Ranjan, Foster City, CA (US);
Durga S. Kala, Cupertino, CA (US);
Andrey Masharov, San Bruno, CA (US);
Xuepeng Li, Foster City, CA (US);
Anuvind Pushpak, London, GB;
Marc Corbalan Vila, London, GB;
Stuart Mark Williams, London, GB;
Visa International Service Association, San Francisco, CA (US);
Abstract
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.