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

Claim 6:
7. The computer-implemented method of claim 1, further comprising:
receiving, with the at least one server computer, from the second user device, a split-payment confirmation response message comprising second encrypted data, the second encrypted data including an indication that the first value and/or the second value is not approved;
in response to receiving the indication, generating, with the at least one server computer, an updated encrypted balance for the requesting user and the second user based on the encrypted balance for the requesting user and the second user 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
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.