SYSTÈME ET LOGIQUE PERMETTANT DE CONVERTIR UNE TRANSACTION DE TRANSFERT BANCAIRE EN LIGNE EXISTANTE

摘要

Embodiments of the disclosure discuss systems and methods for solving various issues associated with transaction schemes that have delayed (e.g., not real-time) transaction clearing. In particular, a first transaction between a user and a resource providing computer is processed under a first transaction scheme by having a user log into their account associated with an authorizing entity. The authorizing entity authenticates the user's account and provides an account identifier to a transaction guiding computer, which generates a reference to that first transaction to be stored along with first transaction details. The reference is shared with the resource providing computer. Subsequent transactions between the user and the resource providing computer can be processed under a second transaction scheme that utilizes the account identifier, which is retrieved using the reference to the first transaction. As a result, the first transaction is guaranteed to settle and any subsequent transactions are less risky since they are processed using saved details from the first transaction.