Patent 11630709 was granted and assigned to Visa on April, 2023 by the United States Patent and Trademark Office.
A method includes receiving, by a first computer from a second computer, a stateless API request message comprising update value data, a consensus token, and a user identifier. The first computer determines whether or not the consensus token matches a previously stored consensus token. If the consensus token matches the previously stored consensus token, the first computer retrieves stored value data from a value data database based on the user identifier. The first computer then updates the stored value data with the update value data. The first computer generates an API response message comprising an indication of the update. The first computer transmits, to the second computer, the API response message.