Systems and methods for use in reversal of network interactions
The system addresses undefined states in real-time transactions by directly instructing payee banks to reverse transactions, ensuring deterministic outcomes and minimizing network traffic.
WO2026015241A1PCT designated stage Publication Date: 2026-01-15MASTERCARD INT INC
Patent Information
- Application Number
- PCT/US2025/033315
- Authority / Receiving Office
- WO · WO
- Patent Type
- Applications
- Current Assignee / Owner
- Priority Date
- 2024-07-12
- Filing Date
- 2025-06-12
- Publication Date
- 2026-01-15
AI Technical Summary
Technical Problem
Conventional real-time network interactions often enter an undefined state due to timeouts or delays, lacking a clear mechanism to reverse transactions back to a deterministic state, leading to uncertainty and increased network traffic.
Method used
A system and method that directly instructs the payee bank to reverse transactions through API calls, using ISO 20022 messaging, ensuring a deterministic state by bypassing conventional messaging that perpetuates uncertainty.
Benefits of technology
This approach reduces network traffic and ensures transactions return to a known state by directly communicating with the payee bank, providing enhanced transaction certainty and reducing unnecessary messaging.
✦ Generated by Eureka AI based on patent content.
Smart Images
Figure US2025033315_15012026_PF_FP_ABST
Abstract
Systems and methods are provided for reversing one or more network interactions. One example computer-implemented method includes receiving, from a first acquirer, an authorization message associated with a network interaction, which includes a transfer from a payor account to a payee account. In connection therewith, the authorization messaging is consistent with a first message standard, and the payee account is issued by a second acquirer. The method also includes communicating the authorization message to an issuer of the payor account and initiating a timer for the network interaction. The method then includes, in response to expiration of the initiated timer, without a response message specific to the network interaction, generating and communicating, to the first acquirer, a timeout response message for the network interaction consistent with the first standard.
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Citation Information
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