Patent ID: 11887089
Assignee: ZACT, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method to update a payment attribute of a payment instrument associated with a vehicle of a fleet that includes a plurality of vehicles, the method comprising:
receiving, at a computing device, route data for a plurality of trips, wherein the route data for each trip of the plurality of trips includes a corresponding geofence region, a corresponding user identifier, a corresponding payment instrument identifier, and a corresponding vehicle identifier for each trip;
receiving, from a user device, a transmission of one or more data packets generated at a software application executing on the user device, wherein the one or more data packets comprise a user identifier and a vehicle identifier;
authenticating, by the computing device, the vehicle identifier and the user identifier;
identifying a first trip of the plurality of trips based on a match of the user identifier and the vehicle identifier with the route data, wherein the first trip is associated with a first payment instrument;
receiving, at the computing device, first trip data for the first trip from the user device, wherein the first trip data includes at least location data of the user device;
calculating, based on the received first trip data, a fuel likelihood score for the first trip, wherein the fuel likelihood score is indicative of a degree of validity of a fuel transaction;
comparing the fuel likelihood score to a first threshold;
based on a determination that the fuel likelihood score meets the first threshold:
transmitting, to a computer associated with a payment network, a message to update one or more payment attributes stored at the payment network and associated with the first payment instrument; and
displaying or causing a display, on the application executing on the user device, an indication that the first payment instrument is approved for the fuel transaction; and

based on a determination that the fuel likelihood score does not meet the first threshold and meets a second threshold:
displaying or causing a display, on the application executing on the user
device, a request for additional verification data;
receiving, from the user device, the additional verification data;
calculating, based on the additional verification data and the received first trip data, an updated fuel likelihood score for the first trip;
comparing the updated fuel likelihood score to the first threshold; and

based on a determination that the updated fuel likelihood score meets the first threshold:
transmitting, to a computer associated with a payment network, a message to update one or more payment attributes stored at the payment network and associated with the first payment instrument;
displaying or causing a display, on the application executing on the user device, an indication that the first payment instrument is approved for the fuel transaction;
receiving at two or more groups of authorization control pods that are connected to the payment network via an ISO-8583 channel, an authorization request from the payment network for the fuel transaction, wherein the authorization request includes an identifier associated with the first payment instrument and transaction information about the transaction, and wherein each authorization control pod includes a processing service, a database service, and a policy agent;
analyzing, at a corresponding policy agent of a single authorization control pod of the groups of authorization control pods, the transaction information by comparing one or more transaction attributes in the transaction information combined with contextual and historic data against one or more policies stored in the database service; and
based on the comparison, transmitting one of an approval or a rejection of the transaction to the payment network.