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

Claim 8:
9. The system of claim 8, wherein the at least one processor is further programmed or configured to:
receive, from at least one second user device of a plurality of second user devices, a split-payment confirmation response message comprising second encrypted data, the second encrypted data including an indication that the split-payment transaction is approved by the at least one responding user associated with the encrypted balance;
generate an updated encrypted balance for the requesting user and the at least one responding user associated with the encrypted balance that approved the split-payment transaction based on the encrypted balance for the requesting user and the at least one responding user that accepted the split-payment transaction; and
transmit, to the first user device, a split-payment response message comprising the updated encrypted balance for the requesting user and/or the at least one responding user that approved the split-payment transaction.