Patent ID: 11880833
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 2:
3. The computer-implemented method of claim 1-2, further comprising:
receiving, with the at least one server computer, from the second user device, a split-payment message comprising a null value associated with a transaction that does not modify the first value and the second value;
generating, with the at least one server computer, an updated encrypted balance for the requesting user and the second user based on data of the split-payment confirmation message, wherein the updated encrypted balance does not modify the encrypted balance for the requesting user and the second user; and
transmitting, with the at least one server computer, to the first user device, a split-payment response message comprising the updated encrypted balance for the requesting user and the second user.