Patent ID: 11928690
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. A server computer comprising:
one or more processors;
a memory storing instructions that, when executed by the one or more processors, cause the one or more processors to:
receive, from a transport computer, an authorization request message associated with a transaction between an account holder and a resource provider;
determine that the authorization request message is in a first format that requires a second message in addition to the authorization request message to finalize the transaction upon authorization;
transmit, to a machine learning based transaction scoring server, a request to score the transaction;
analyze, using a machine learning algorithm, one or more of a transaction history of the account holder, a transaction history of the resource provider, or a characteristic of the transaction;
determine, using the machine learning algorithm, a likelihood that a final value of the transaction when finalized is same as an initial value of the transaction based on the transaction history of the account holder, the transaction history of the resource provider, or the characteristic of the transaction;
assign, using the machine learning algorithm, a score to the transaction based on the likelihood that the final value is same as the initial value;
transmit the score to the server computer;
compare the score to a predetermined threshold, wherein a score higher than the predetermined threshold indicates that the final value is likely to stay same as the initial value through authorization, settlement and clearing of the transaction
if the score is higher than the predetermined threshold, upgrade the authorization request message into a second format that is configured for authorizing, settling and clearing the transaction at the same time prior to receiving the second message from the transport computer; and
if the score is lower than the predetermined threshold, process the authorization request message in the first format where the transaction is first authorized using the authorization request message, then settled using the second message in addition to the authorization request message upon authorization.