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

Claim 16:
17. The computer-program product of claim 16, wherein the one or more instructions further cause the at least one processor to:
in response to transmitting the at least one split-payment confirmation message to the at least one user device of the plurality of user devices, receive, from another second user device of the plurality of second user devices, a split-payment message comprising a null value associated with a transaction that does not modify the value for the split-payment transaction,
wherein generating the updated encrypted balance for the requesting user and the at least one responding user that approved the split-payment transaction is based on data of the split-payment confirmation message, and
wherein, when generating the updated encrypted balance for the requesting user and the at least one responding user that approved the split-payment transaction, the data of the split-payment confirmation message does not cause the at least one processor to modify the encrypted balance for the requesting user and the at least one responding user that accepted the split-payment transaction.