Transaction systems and associated methods for enhanced account balance and status management
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United States of America Patent
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Aug 14, 2018
Grant Date -
Apr 2, 2015
app pub date -
Sep 25, 2014
filing date -
Oct 2, 2013
priority date (Note) -
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status (Latency Note)
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Abstract
A computer implemented method of performing a transaction using a payment account, typically handled by a payment account manager (PAM), comprises the steps of: receiving a first message from a top up terminal indicating that funds have been transferred to the payment account; setting or adjusting a funds limit of the payment account based on information in the first message; receiving an authorization or pre-authorization request from a first terminal and commencing a funds aggregation; receiving a second message indicating a pre-defined amount of funds which may be used in the transaction; blocking an amount of the funds limit of the payment account equivalent to the pre-defined amount; and sending an authorization response to the first terminal.
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