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

Claim 4:
5. A method to update a payment attribute of a payment instrument, the method comprising:
receiving, by a computing device comprising a processor and memory, an indication of a trip being undertaken by a vehicle;
associating with the trip, by the computing device, a user device, a user identifier, and a vehicle identifier;
receiving, by the computer device, from an application executing on a user device of a user of the vehicle, trip data that includes at least location data obtained from the user device;
calculating, based on the received trip data, a fuel likelihood score for the 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; and
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 that are stored in a device of the payment network and wherein the one or more payment attributes are associated with a payment instrument;
displaying, on the application executing on the user device, an indication that the 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 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.