SPLIT TENDER IN A PREPAID ARCHITECTURE

摘要

A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.

主权项

1. A computer-implemented method for processing split tender purchase transactions utilizing delayed processing windows, comprising:
receiving, by one or more computing devices, a merchant payment request from one or more computing devices operated by a merchant system, the merchant payment request comprising an account identifier for a user account maintained by a payment management system and a transaction value, and wherein the merchant payment request seeks authorization for a payment transaction between the a user and the merchant system; determining, by the one or more computing devices, which user account corresponds to the account identifier; determining, by the one or more computing devices, to approve the merchant payment request prior to requesting a funding payment request from an issuer of the one or more financial accounts; in response to determining to approve the merchant payment request, transmitting, by the one or more computing device, a merchant payment authorization to the one or more computing devices operated by the merchant system for the payment transaction between the user and the merchant system; determining, by the one or more computing devices, which of the one or more financial accounts saved in the user account maintained by the payment management system to request a first funding payment from by submitting a first backing payment request for a first portion of the transaction value; in response to determining the financial account to request the first funding payment from, submitting, by the one or more computing devices, the first backing payment request for the first portion of the transaction value, wherein a window of time has passed between the transmission of the merchant payment authorization and the submission of the first backing payment request; determining, by the one or more computing devices, which of the one or more financial accounts saved in the user account maintained by the payment management system to request a second funding payment from by submitting a second backing payment request for a second portion of the transaction value; and in response to determining the financial account to request the second funding payment from, submitting, by the one or more computing devices, the second backing payment request for the second portion of the transaction value, wherein a window of time has passed between the transmission of the merchant payment authorization and the submission of the second backing payment request.