US 11,935,047 B2
Enhanced feedback exposure for merchants based on transaction metadata
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 Aug. 3, 2022, as Appl. No. 17/817,285.
Application 17/817,285 is a continuation of application No. 17/176,663, filed on Feb. 16, 2021, granted, now 11,443,312.
Prior Publication US 2022/0374879 A1, Nov. 24, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/12 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/389 (2013.01) [G06Q 20/12 (2013.01); G06Q 20/385 (2013.01); G06Q 20/40 (2013.01); G06Q 20/4014 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method for providing information corresponding to one or more reasons relating to an authorization decision for a payment card transaction between a merchant and a user, the method comprising:
receiving, by a computing device and from a merchant device via a first application programming interface (API), supplemental transaction metadata comprising one or more data elements corresponding to one or more attributes of the payment card transaction, wherein the supplemental transaction metadata is associated with a concurrent transmission of payment card information, for the payment card transaction, by the merchant device to a payment processing service;
storing, by the computing device and in a database, at least a portion of the supplemental transaction metadata;
receiving, by the computing device and from the payment processing service via a second interface different from the first API, payment card authorization information corresponding to the payment card transaction, wherein the payment card authorization information indicates whether the payment card information was approved by the payment processing service;
determining, by the computing device, based on timing requirements of the payment processing service, and based on the supplemental transaction metadata received from the merchant device and the payment card authorization information received from the payment processing service, whether the payment card transaction is authorized;
determining, by the computing device, one or more reasons why the payment card transaction was or was not authorized;
sending, by the computing device, to the merchant device, and based on the payment card authorization information and the supplemental transaction metadata, an authorization decision indicating whether the payment card transaction was authorized;
receiving, by the computing device and from the merchant device, a request for additional information, wherein the request for additional information comprises a reference identification (ID);
determining information corresponding to the determined one or more reasons by retrieving, from the database and based on the reference ID, the at least the portion of the supplemental transaction metadata; and
sending, by the computing device, to the merchant device, and in response to the request for additional information, the information corresponding to the determined one or more reasons.