Patent ID: 11972278
Assignee: PAYPAL, INC.
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A system, comprising:
a processor that executes computer-executable components stored in a memory, the computer-executable components comprising:
an input component that receives a computing context of a client and a computing profile of the client, wherein the client is engaged in a computing touchpoint journey, wherein the computing context and the computing profile characterize at least an objective of the client, and wherein the computing context and the computing profile comprise information respective of a financial status of the client;
a prediction component that predicts, via a first machine learning classifier trained based on previous contexts and profiles associated with previous negative events, a negative event likely to occur on the computing touchpoint journey, wherein the first machine learning classifier receives as input the computing context and the computing profile, including the information respective of the financial status of the client, and generates as output the predicted negative event, and wherein the predicted negative event comprises a payment decline based on the financial status; and
a decision component that recommends in real-time, via a second machine learning classifier trained based on previous computing touchpoints that resolved the previous negative events, a recommended computing touchpoint to which to transfer the client to continue the computing touchpoint journey, wherein the second machine learning classifier receives as input the computing context, the computing profile, and the predicted negative event and generates as output the recommended computing touchpoint.