Systems and methods of real-time processing

Abstract

A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.

What is claimed is: 
     
         1 . A system for administering an organizational purchasing policy, comprising:
 one or more processors; and   a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
 receive a purchasing policy; 
 receive, from a transaction terminal, a transaction authorization request associated with an attempted purchase of a user, the transaction authorization request comprising a transaction identification code of a first format; 
 convert the transaction identification code of the first format into transaction information of a second format, wherein the transaction information comprises a merchant location; 
 retrieve past purchasing data representative of past purchasing behavior of the user and past potential violations of the purchasing policy by the user; 
 receive location data of a user device associated with the user; 
 determine, based on the location data, whether the user device is within a predetermined proximity of the merchant location; 
 determine whether the past purchasing data is representative of unauthorized activity; 
 responsive to determining (i) the user device is not within the predetermined proximity of the merchant location, or (ii) the past purchasing data is representative of unauthorized activity:
 generate an attestation request to determine whether the attempted purchase comports with the purchasing policy; 
 transmit, to the user device, the attestation request comprising a request for an image of an invoice associated with the attempted purchase; 
 receive, from the user device, attestation data comprising a digital image of the invoice obtained from the user device; 
 analyze the digital image by performing optical character recognition on the digital image of the invoice, to identify one or more purchased items; 
 determine whether the one or more purchased items are restricted by the purchasing policy; 
 responsive to determining that the one or more purchased items are not restricted by the purchasing policy:
 transmit, to the transaction terminal, a transaction authorization approval instructing the transaction terminal to route the attempted purchase through a business payment account of the user; and 
 
 responsive to determining that the one or more purchased items are restricted by the purchasing policy:
 transmit, to the transaction terminal, an alternative transaction authorization approval instructing the transaction terminal to route the attempted purchase through a personal payment account of the user. 
 
 
   
     
     
         2 . The system of  claim 1 , wherein the instructions are further configured to cause the system to:
 responsive to determining that the one or more purchased items are restricted by the purchasing policy, receive, via the user device, an approval to process the attempted purchase using the personal payment account of the user.   
     
     
         3 . The system of  claim 1 , wherein the instructions are further configured to cause the system to:
 receive, via an API of a merchant associated with the attempted purchase, purchase data associated with the attempted purchase, the purchase data comprising a list of one or more items or services and respective costs of each of the one or more items or services.   
     
     
         4 . The system of  claim 3 , wherein determining whether the attempted purchase comports with the purchasing policy is further based on determining that at least one item or service of the one or more items or services is listed as prohibited by the purchasing policy. 
     
     
         5 . The system of  claim 1 , wherein the instructions are further configured to cause the system to:
 responsive to determining that the one or more purchased items are restricted by the purchasing policy:
 receive, via the user device, a rejection to process the attempted purchase using the personal payment account of the user; and 
 transmit, to the transaction terminal, a transaction authorization rejection to deny the attempted purchase. 
   
     
     
         6 . A method of administering an organizational purchasing policy, the method comprising:
 receiving a purchasing policy;   receiving, from a transaction terminal, a transaction authorization request associated with an attempted purchase of a user, the transaction authorization request comprising a transaction identification code of a first format;   converting the transaction identification code of the first format into transaction information of a second format, wherein the transaction information comprises a merchant location;   receiving location data of a user device associated with the user;   determining that the attempted purchase is suspicious by determining, based on the location data, that the user device is not within a predetermined proximity of the merchant location;   responsive to determining that the attempted purchase is suspicious:
 generating an attestation request for evidence sufficient to show that the attempted purchase comports with the purchasing policy; 
 transmitting, to the user device, the attestation request; 
 receiving, from the user device, attestation data; 
 determining whether the attestation data indicates that the attempted purchase comports with the purchasing policy; 
 responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy:
 transmitting, to the transaction terminal, a transaction authorization approval instructing the transaction terminal to route the attempted purchase through a business account of the user; and 
 
 responsive to determining that the attestation data indicates that the attempted purchase does not comport with the purchasing policy, transmitting, to the transaction terminal, an alternative transaction authorization approval instructing the transaction terminal to route the attempted purchase through a personal payment account of the user. 
   
     
     
         7 . The method of  claim 6 , further comprising:
 retrieving past purchasing data representative of past purchasing behavior of the user and past potential violations of the purchasing policy by the user; and   determining whether the past purchasing data is representative of unauthorized activity,
 wherein determining that the attempted purchase is suspicious is further based on determining that the past purchasing data is representative of unauthorized activity. 
   
     
     
         8 . The method of  claim 6 , wherein the attestation data comprises an email from a merchant associated with the attempted purchase. 
     
     
         9 . The method of  claim 6 , wherein the attestation data comprises a digital image of an image of an invoice associated with the attempted purchase, and wherein determining whether the attestation data indicates that the attempted purchase comports with the purchasing policy comprises analyzing the digital image by performing optical character recognition on the digital image of the invoice to identify one or more purchased items. 
     
     
         10 . The method of  claim 6 , further comprising:
 responsive to determining that the attestation data indicates that the attempted purchase does not comport with the purchasing policy, receiving, via the user device, an approval to process the attempted purchase using the personal payment account of the user.   
     
     
         11 . The method of  claim 6 , further comprising:
 receiving, via an API of a merchant associated with the attempted purchase, purchase data associated with the attempted purchase, the purchase data comprising a list of one or more items or services and respective costs of each of the one or more items or services.   
     
     
         12 . The method of  claim 11 , wherein determining that the attempted purchase is suspicious is further based on determining that at least one item or service of the one or more items or services is listed as prohibited by the purchasing policy. 
     
     
         13 . The method of  claim 6 , further comprising:
 responsive to determining that the attestation data indicates that the attempted purchase does not comport with the purchasing policy:
 receiving, via the user device, a rejection to process the attempted purchase using the personal payment account of the user; and 
 transmitting, to the transaction terminal, a transaction authorization rejection to deny the attempted purchase. 
   
     
     
         14 . A system for administering an organizational purchasing policy, comprising:
 one or more processors; and   a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
 receive a purchasing policy; 
 receive, from a transaction terminal, a transaction authorization request associated with an attempted purchase of a user, the transaction authorization request comprising a transaction identification code of a first format; 
 convert the transaction identification code of the first format into transaction information of a second format, wherein the transaction information comprises a merchant location; 
 receive location data of a user device associated with the user; 
 determine, based on the location data, whether the user device is within a predetermined proximity of the merchant location; 
 responsive to determining the user device is not within the predetermined proximity of the merchant location:
 transmit, to the user device, a request for attestation data; 
 receive, from the user device, attestation data; 
 determine whether the attestation data indicates that the attempted purchase comports with the purchasing policy; 
 responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, cause the transaction terminal to route the attempted purchase through a business payment account of the user; and 
 responsive to determining that the attestation data indicates that the attempted purchase does not comport with the purchasing policy, cause the transaction terminal to route the attempted purchase through a personal payment account of the user. 
 
   
     
     
         15 . The system of  claim 14 , wherein the instructions are further configured to cause the system to:
 retrieve past purchasing data representative of past purchasing behavior of the user and past potential violations of the purchasing policy by the user; and   determine whether the past purchasing data is representative of unauthorized activity,
 wherein transmitting the request for attestation data is further based on determining that the past purchasing data is representative of unauthorized activity. 
   
     
     
         16 . The system of  claim 14 , wherein the attestation data comprises a digital image of an image of an invoice associated with the attempted purchase, and wherein determining whether the attestation data indicates that the attempted purchase comports with the purchasing policy comprises analyzing the digital image by performing optical character recognition on the digital image of the invoice to identify one or more purchased items. 
     
     
         17 . The system of  claim 14 , wherein the instructions are further configured to cause the system to:
 responsive to determining that the attestation data indicates that the attempted purchase does not comport with the purchasing policy, receiving, via the user device, an approval to process the attempted purchase using the personal payment account of the user.   
     
     
         18 . The system of  claim 14 , wherein the instructions are further configured to cause the system to:
 receive, via an API of a merchant associated with the attempted purchase, purchase data associated with the attempted purchase, the purchase data comprising a list of one or more items or services and respective costs of each of the one or more items or services.   
     
     
         19 . The system of  claim 18 , wherein transmitting the request for attestation data is further based on determining that at least one item or service of the one or more items or services is listed as prohibited by the purchasing policy. 
     
     
         20 . The system of  claim 14 , wherein the instructions are further configured to cause the system to:
 responsive to determining that the attestation data indicates that the attempted purchase does not comport with the purchasing policy:
 receive, via the user device, a rejection to process the attempted purchase using the personal payment account of the user; and 
 transmit, to the transaction terminal, a transaction authorization rejection to deny the attempted purchase.