US 12,236,413 B2
Method and system for reconfiguring a transaction during network processing
Rohit Sukhija, Bangalore (IN)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Feb. 1, 2023, as Appl. No. 18/104,520.
Application 18/104,520 is a continuation of application No. 16/825,378, filed on Mar. 20, 2020, granted, now 11,593,781.
Prior Publication US 2023/0177483 A1, Jun. 8, 2023
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/02 (2012.01); G06Q 20/20 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/202 (2013.01) [G06Q 20/027 (2013.01); G06Q 20/40 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
receiving, with at least one processor of a payment gateway and from a merchant system, at least one transaction request comprising transaction data, the at least one transaction request configured in an initial configuration associated with a dual-message transaction;
determining, with the at least one processor of the payment gateway, based at least partly on the transaction data, a recommended configuration associated with a single-message transaction, the recommended configuration different from the initial configuration and based on at least one of the following elements of the transaction data: payment device presence, goods or services description, transaction amount, or any combination thereof;
augmenting, with the at least one processor of the payment gateway, the at least one transaction request to include metadata of (i) the initial configuration associated with a dual-message transaction and (ii) the recommended configuration associated with a single-message transaction;
reconfiguring, with the at least one processor of the payment gateway, the at least one transaction request based on the recommended configuration; and
generating, with the at least one processor of the payment gateway, a communication to a transaction processing system configured to cause the transaction processing system to process the at least one transaction request as a single-message transaction based on the recommended configuration.