Abstract: Real-time interaction processing is provided by establishing an operable communication linkage between entities and/or organizations, including a real-time time resource exchange organization. The real-time interaction processing may include the use of an electronic request instrument that includes interaction information. The real-time interaction processing may include capturing the interaction information from the electronic request instrument (e.g., using one or more identifiers, such as codes, or the like) and automatically populating a resource exchange message with the interaction information in order to complete the real-time interaction processing. The electronic request instrument may be operatively coupled to the resource exchange message and processed along with the resource exchange.

Abstract: Real-time interaction processing is provided by establishing an operable communication linkage between entities and/or organizations, including a real-time time resource exchange organization. The real-time interaction processing may include the use of an electronic resource instrument that includes interaction information. The real-time interaction processing may include capturing the interaction information from the electronic resource instrument (e.g., using one or more identifiers, such as codes, or the like) and automatically populating a resource exchange message with the interaction information in order to complete the real-time interaction processing. The electronic resource instrument may be operatively coupled to the resource exchange message and processed along with the resource exchange.

Abstract: Systems and arrangements for evaluating and decisioning refund requests and monitoring of overrides of refund decisions are presented. In response to receiving a request for a refund, the system may identify one or more sources of data from which to extract data to determine a decision regarding the request for refund. In some examples, a type or amount of data transmitted to be used in determining the decision may be controlled by the device. Further, user input associated with requests to override the refund decision may be continuously monitored. A determination may be made as to whether a number of occurrences of overrides for a particular user, customer, or account, has met a first threshold. If so, one or more parameters of the system may be dynamically modified and a user interface reflecting the modified parameters may be dynamically modified. Additional determinations may also be made and dynamic modifications may be performed.