Patent ID: 11900387
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 15:
16. One or more non-transitory computer storage media storing computer-executable instructions for providing transaction retry notifications that, upon execution by a processor, cause the processor to perform operations of:
receiving an insufficient funds message of a first transaction, wherein the insufficient funds message indicates that the first transaction includes a payment to be provided to a merchant from an account and that the account has insufficient funds to provide the payment to the merchant;
storing an account identifier of the account associated with the first transaction in a monitored account identifier data set;
generating an account usage pattern of the account based on historical transaction data associated with the account, wherein the account usage pattern indicates at least a pattern of failed transactions and successful transactions of the account;
detecting a successful transaction message of a second transaction associated with the account based on the stored account identifier in the monitored account identifier data set;
based on detecting the successful transaction message, determining a confidence factor based on the generated account usage pattern, wherein the confidence factor indicates a likelihood that a transaction retry of the first transaction will be successful;
based on the determined confidence factor exceeding a confidence threshold, generating a transaction retry notification that includes the determined confidence factor;
sending the generated transaction retry notification to the merchant;
receiving a retry of the first transaction from the merchant after sending the generated transaction retry notification; and
training, using a machine learning module comprising a trained regressor that is trained based on merchant feedback indicating whether the retry was successful, an account usage model.