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

Claim 19:
20. The computer-program product of claim 15, wherein the one or more instructions further cause the at least one processor to:
receive, from at least one second user device associated with the at least one responding user, a split-payment confirmation response message comprising second encrypted data, the second encrypted data including an indication that the split-payment transaction is not approved;
in response to receiving the indication, generate an updated encrypted balance for the requesting user and the at least one responding user that did not approve the split-payment transaction based on the encrypted balance for the requesting user and the at least one responding user that did not approve the split-payment transaction and the second encrypted data of the split-payment confirmation response message, wherein the updated encrypted balance corresponds to an initial encrypted balance established prior to the generation of the encrypted balance; and
transmit, to the first user device, a split-payment response message comprising the updated encrypted balance for the requesting user and the at least one responding user that did not approve the split-payment transaction.