Patent ID: 11880845
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G  H

Claim 8:
9. A computer program product comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:
store, in a distributed cache, at least one rule associated with a plurality of accounts in a Real-Time Payments (RTP) network, wherein the at least one rule is stored in association with account data associated with the plurality of accounts, wherein the at least one rule is configured for use in processing transactions in the RTP network associated with the plurality of accounts,
using the at least one rule, deny the transactions in the RTP network for each account of the plurality of accounts that is an originating account for the transactions and is associated with at least one of: a number of transaction chargebacks greater than a threshold number, a total payment amount of chargebacks greater than a threshold total payment amount, or any combination thereof;
store, in a database, a graph including a plurality of edges and a plurality of nodes for the plurality of edges, wherein the plurality of nodes is associated with the plurality of accounts in the RTP network, wherein the plurality of edges is associated with a plurality of prior transactions between the plurality of accounts in the RTP network, wherein the plurality of edges is further associated with one or more transaction chargebacks associated with one or more prior transactions of the plurality of prior transactions, wherein the one or more transaction chargebacks are associated with a request to a first user associated with a first account to refund or return a payment made in the one or more prior transactions to a second user associated with a second account, wherein the account data associated with the plurality of accounts is determined based on the graph, and wherein the account data associated with the plurality of accounts includes, for each account of the plurality of accounts, at least one of: the number of transaction chargebacks associated with that account, the total payment amount of transaction chargebacks associated with that account, or any combination thereof;
receive, from an issuer institution, at least one account level exclusion directive associated with at least one account of the plurality of accounts, wherein the at least one account is provided by the issuer institution, and wherein application of the at least one account level exclusion directive is configured to exclude use of the at least one rule for processing transactions associated with the at least one account;
store, in the distributed cache, the at least one account level exclusion directive in association with the at least one account, wherein the at least one processor receives a real-time event associated with the at least one account level exclusion directive, generated by an event streaming platform, and published in real-time to an endpoint including the at least one processor, wherein the at least one processor polls the event streaming platform for the real-time event and persists the real-time event, the at least one account level exclusion directive, and account data associated with the at least one account to the distributed cache to store, in the distributed cache, in a compressed data format, the at least one account level exclusion directive and the account data associated with the at least one account for low latency access of the at least one account level exclusion directive, enabling querying and retrieving, with a single call to the distributed cache, the at least one rule, the at least one account level exclusion directive, and the account data associated with the at least one account to reduce computational overhead and to reduce end-to-end delay;
receive, transaction data associated with a transaction in the RTP network between the at least one account and at least one other account, wherein the transaction data includes an RTP payment or a request to transfer a payment amount from the at least one account to the at least one other account;
retrieve, from the distributed cache, with the single call to the distributed cache, the at least one rule, the at least one account level exclusion directive, and the account data associated with the at least one account, wherein whether to apply the at least one account level exclusion directive to the transaction is determined based on the at least one account being associated with the at least one account level exclusion directive;
determine to apply the at least one account level exclusion directive to the transaction based on the at least one account being associated with the at least one account level exclusion directive;
in response to determining to apply the at least one account level exclusion directive to the transaction, exclude use of the at least one rule for processing the transaction in the RTP network between the at least one account and the at least one other account; and
process, without applying the at least one rule, the transaction in the RTP network.