| CPC G06Q 20/401 (2013.01) [G06Q 20/027 (2013.01); G06Q 20/10 (2013.01); G06Q 20/403 (2013.01)] | 20 Claims |
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1. A network management system, comprising:
a memory configured to store instructions; and
a parallel processor configured to execute the instructions to:
(a) receive an electronic request for a transaction from a computing device, the electronic request being for an electronic form of payment for the transaction;
(b) determine, with a first entity, a first authorization decision for the electronic request based on a first payment processing and authorization process;
(c) determine, with a second entity, a second authorization decision for the electronic request in parallel with the first authorization decision and based on a second payment processing and authorization process independent from the first payment processing and authorization process; and
(d) determine whether the second authorization decision is the same as or different from the first authorization decision,
in response to the second authorization decision being the same as the first authorization decision, maintaining the first authorization decision to bypass reassessment of the first authorization decision by the first entity, and
in response to the first authorization decision being different from the second authorization decision,
execute, with the first entity, a third payment processing and authorization process to reassess the first authorization decision based on additional data from the second entity, wherein the additional data is identified by the second entity when the second authorization decision is determined, wherein the additional data includes an identification of a test of the second payment processing and authorization process that was failed, and
determine, with the first entity, a third authorization decision based on the third payment processing and authorization process, wherein the third authorization decision is different than the first authorization decision.
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