US 11,727,412 B2
Systems and methods for optimizing transaction authorization request message to reduce false declines
Brett J. Thomson, Lake St. Louis, MO (US); Kyle Williams, Wentzville, MO (US); David J. Senci, Troy, IL (US); and Blake Gibbons, O'Fallon, MO (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Dec. 18, 2019, as Appl. No. 16/719,584.
Prior Publication US 2021/0192532 A1, Jun. 24, 2021
Int. Cl. G06Q 20/42 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/42 (2013.01) [G06Q 20/388 (2013.01); G06Q 20/401 (2013.01)] 21 Claims
OG exemplary drawing
 
1. A data optimization computer system for optimizing transaction authorization request messages directed to an authorizing party, the transaction authorization request messages being in a message format associated with specified data fields, the computer system comprising:
a historical transaction database storing a plurality of historical transaction records associated with a respective plurality of initiated payment transactions, each of the historical transaction records associated with a corresponding previously processed transaction authorization request message;
a merchant database; and
a data optimization computing device comprising at least one processor in communication with the historical transaction database and the merchant database, the data optimization computing device configured to:
receive, from a first merchant of a plurality of merchants registered with the data optimization computer system, an identification of i) one or more optimizable data fields, identified by the first merchant, of the specified data fields, wherein a point-of-sale terminal of the first merchant is configured to populate the one or more optimizable data fields with any of a plurality of acceptable values, and ii) each of the plurality of acceptable values, specified by the first merchant, for use in the one or more optimizable data fields;
store, in the merchant database, a first merchant record including a first merchant identifier of the first merchant, the identified one or more optimizable data fields received from the first merchant, and the identified plurality of acceptable values received from the first merchant;
access the historical transaction database to retrieve at least a subset of the plurality of historical transaction records;
analyze the subset of the historical transaction records and the first merchant record to generate a set of optimization rules, wherein the set of optimization rules identifies optimal values to populate the identified optimizable data fields, from the identified acceptable values, to generate an optimized transaction authorization request message, wherein the optimized transaction authorization request message is associated with an improved likelihood of resulting in a positive request outcome;
receive a current authorization request message associated with a current payment transaction, the current payment transaction having been initiated at the point-of-sale terminal of the first merchant, the current authorization request message including the first merchant identifier and a current input value corresponding to each of the specified data fields;
retrieve the first merchant record from the merchant database based on the first merchant identifier received in the current authorization request message;
retrieve at least a subset of the set of optimization rules;
generate an optimized authorization request message for the current payment transaction by applying the subset of the optimization rules to the current authorization request message, wherein the optimization rules cause replacement of the current input value of at least one of the one or more optimizable data fields with one of the plurality of acceptable values in the retrieved first merchant record; and
transmit the optimized authorization request message to an authorizing party.