Abstract: A method for processing cash-withdrawal transactions is provided. When available cash at a terminal device is less than a first amount that a user wants to withdraw, the terminal device presents a first option to the user to receive a first part of the first amount, which the terminal device is falling short of, as a voucher or a credit in a digital wallet. When the first option is selected, the terminal device displays a list of digital wallets and vouchers to the user. The terminal device communicates a first request to the payment network indicating a selection of the first option and one of a voucher or a digital wallet. Based on the first request, the payment network initiates crediting of the first part in the digital wallet or procuring of the voucher, with the terminal device dispensing the remaining part of the first amount as cash.

Abstract: A method for processing cash-withdrawal transactions is provided. When available cash at a terminal device is less than a first amount that a user wants to withdraw, the terminal device presents a first option to the user to receive a first part of the first amount, which the terminal device is falling short of, as a voucher or a credit in a digital wallet. When the first option is selected, the terminal device displays a list of digital wallets and vouchers to the user. The terminal device communicates a first request to the payment network indicating a selection of the first option and one of a voucher or a digital wallet. Based on the first request, the payment network initiates crediting of the first part in the digital wallet or procuring of the voucher, with the terminal device dispensing the remaining part of the first amount as cash.

Abstract: Systems and methods for facilitating a transaction between a cardholder, registered with a first payment entity, and a second payment entity other than the first payment entity in cases when the second payment entity promotes an offer which the cardholder wants to avail. The method includes receiving a first service request from a user at a server system associated with the first payment entity. The first service request is a request to avail the offer using a first payment card of the user. The method further includes facilitating authentication of the first service request at the first payment entity. Upon successful authentication, the method includes sending a second service request to second payment entity and receiving approval from the second payment entity for availing the offer. The method further includes receiving a second payment card from second issuing entity, where the second payment card is eligible for availing the offer.

Abstract: A method for processing declined transactions is provided. A transaction decline notification for a transaction performed by a user is received in response to a first authorization request that is communicated to an issuer server. If a credit score of the user is greater than or equal to a threshold value, a data element of the first authorization request, indicating a transaction amount of the transaction, is modified to generate a second authorization request. The modified data element indicates a first amount that is lower than the transaction amount. The second authorization request is communicated to the issuer server and a transaction approval notification is received in response to the second authorization request. The transaction approval notification overrides the transaction decline notification and indicates that the transaction is approved by the issuer server, thereby making the transaction successful.

Abstract: A server for an authorization amount shown in a transaction request over a plurality of payments using an account, where the authorization amount exceeds a limit determined for the account, is configured to receive a request to update the authorization amount with a transaction amount, the request indicating account details corresponding to the account, the authorization amount and the transaction amount to be paid in one of the plurality of payments; retrieve, from a predetermined database, a score representing a credibility of a user using the account in response to receiving the request; compare the retrieved score with a threshold to determine whether or not the retrieved score is equal to or higher than the threshold; and approve the request to update the authorization amount in the transaction request if it is determined that the retrieved score is equal to or higher than the threshold.

Abstract: The present application provides systems, methods and computer readable media for creating and processing a digital voucher. The methods comprises a method for utilising a funding account of a first user to create a digital voucher having a value for a second user, the digital voucher being usable by the second user for remitting one or more transactions across participating parties that communicate with a payment network, the method comprising: generating, at a server for creating the digital voucher, a unique code of the digital voucher upon verification of a sufficient balance in the funding account, the unique code identifying an issuer party of the funding account and a payment network provider of the payment network, wherein the unique code is associated with a unique identifier of the second user.