US 11,669,838 B2
Dynamic transmission metadata validation adjustment based on network conditions
Wesley Perkins, Henrico, VA (US); Venkata Satya Sriram Kalyan Namuduri, Glen Allen, VA (US); David Ross, Richmond, VA (US); Andrew Coulson, Washington, DC (US); and Hunter Roberts, Henrico, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Jan. 12, 2022, as Appl. No. 17/573,875.
Application 17/573,875 is a division of application No. 17/176,648, filed on Feb. 16, 2021, granted, now 11,257,083.
Prior Publication US 2022/0261802 A1, Aug. 18, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 30/0601 (2023.01)
CPC G06Q 20/401 (2013.01) [G06Q 20/405 (2013.01); G06Q 30/0637 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method for timely processing supplemental transaction metadata corresponding to a financial transaction between a user and a merchant, the method comprising:
receiving, by a computing device, via a first interface, and from a merchant device associated with the merchant, supplemental transaction metadata comprising a plurality of data elements corresponding to one or more attributes of the financial transaction, wherein the supplemental transaction metadata is associated with a concurrent transmission of payment information, for the financial transaction, to a payment processing service;
selecting, by the computing device and based on an estimated time of receipt, from a payment processing service that processes payment information provided to the merchant during a transaction, of authorization information corresponding to the financial transaction, a subset of the plurality of data elements to validate based on one or more criteria, wherein the estimated time of receipt corresponds to a predicted delay between the payment information being provided to the merchant during the transaction and the authorization information being received by the computing device from the payment processing service;
validating, by the computing device, the supplemental transaction metadata by validating the subset of the plurality of data elements based on the one or more criteria;
receiving, by the computing device, after validation of the supplemental transaction metadata received from the merchant device is completed, and via a second interface and from the payment processing service, the authorization information;
determining, by the computing device, whether to authorize the financial transaction based on the authorization information and the validated supplemental transaction metadata; and
based on whether to authorize the financial transaction, sending, by the computing device, an indication of whether the financial transaction was authorized.