US 12,073,411 B2
Method to manage pending transactions, and a system thereof
Rakesh Ramamurthy, Bangalore (IN); Sandeep Doddipalli, Bangalore (IN); Rajeev Gangapura Cho Iyer, Bangalore (IN); Sriram Sethumadhavan, Bangalore (IN); Sudhir Krishna V L, Kasaragod (IN); and Alkondan Chockalinga Mooppanar, Nagercoil (IN)
Assigned to Visa International Service Association, San Francisco, CA (US)
Appl. No. 17/910,074
Filed by Visa International Service Association, San Francisco, CA (US)
PCT Filed Jun. 11, 2020, PCT No. PCT/US2020/037185
§ 371(c)(1), (2) Date Sep. 8, 2022,
PCT Pub. No. WO2021/251970, PCT Pub. Date Dec. 16, 2021.
Prior Publication US 2023/0100928 A1, Mar. 30, 2023
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/22 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/407 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/223 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
identifying, by a sender Payment Service Provider (PSP) server, a first transaction from a sender made via the sender PSP server to a receiver via a receiver PSP server, wherein a Real-Time Payment (RTP) server facilitates transactions between the sender PSP server and the receiver PSP server;
detecting, by the sender PSP server, at least one subsequent transaction from the sender to the receiver, when the first transaction is pending at the receiver PSP server;
comparing, by the sender PSP server, transaction parameters of the at least one subsequent transaction with transaction parameters of the first transaction when the first transaction is pending at the receiver PSP server;
determining, by the sender PSP server, that the first transaction and the at least one subsequent transaction are associated with a single payment made by the sender to the receiver;
identifying, by the sender PSP server, one of the first transaction and the at least one subsequent transaction as successful by monitoring the first transaction and the at least one subsequent transaction; and
transmitting, by the sender PSP server, one or more messages based on the monitoring, wherein the one or more messages indicate that one of the first transaction and the at least one subsequent transaction is successful and to discard other transactions among the first transaction and the at least one subsequent transaction, wherein the other transactions are discarded by at least one of the sender PSP server and the receiver PSP server based on the one or more messages.