Patent ID: 11915247
Assignee: STRIPE, INC.
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. A non-transitory machine-readable medium comprising instructions which, when read by a machine, cause the machine to perform operations for handling a first failed payment attempt in an electronic payment processing system, the operations comprising:
obtaining information about one or more failed payment attempts via the electronic payment processing system;
extracting one or more features from the information about the one or more failed payment attempts;
for each of a plurality of potential candidate retry time points, feeding the one or more features and the potential candidate retry time point into a dunning model, the dunning model trained via a machine-learning algorithm to produce a dunning score indicative of a likelihood that a retry attempt at an input retry time point will result in a successful payment processing;
using the dunning scores for the plurality of potential candidate retry time points to select a desired retry time point; and
causing the electronic payment processing system to attempt to reprocess a payment associated with one of the failed payment attempts at a time matching the desired retry time point.