US 11,748,753 B2
Message delay estimation system and method
Michael Kenji Mori, Foster City, CA (US); and Gourab Basu, Foster City, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed on Jul. 28, 2022, as Appl. No. 17/876,305.
Application 17/876,305 is a continuation of application No. 15/908,361, filed on Feb. 28, 2018, granted, now 11,423,401.
Prior Publication US 2022/0366412 A1, Nov. 17, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06N 20/00 (2019.01); G06N 5/046 (2023.01); G06Q 20/10 (2012.01); G06Q 20/02 (2012.01)
CPC G06Q 20/401 (2013.01) [G06N 5/046 (2013.01); G06N 20/00 (2019.01); G06Q 20/023 (2013.01); G06Q 20/102 (2013.01); G06Q 20/405 (2013.01); G06Q 20/4097 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A computer-implemented method using a server including a processor and a memory with processor-executable instructions for:
receiving, through one or more processors of an input processor coupled to the server and memory and from a communication module of a merchant computer system over a computer network, a purchase transaction at a merchant;
correlating the purchase transaction to a known outcome associated with a time aggregation of clearing delays, wherein the clearing delays are each associated with different payment transactions between a plurality of customers and a plurality of merchants, and each different payment transaction includes an indication of a clearing delay;
determining a clearing delay estimate for the purchase transaction based on the correlation between the purchase transaction and the known outcome;
inserting the clearing delay estimate into a communication corresponding to an authorization process for the purchase transaction, wherein the communication is between a payment network system and a payment device issuer system, and the payment device issuer system is communicably linked to the merchant computer system;
determining an expected payable amount based on the time aggregated clearing delay estimate;
modifying the authorization process based on the clearing delay estimate of the communication by approving or denying the purchase transaction when the expected payable amount is above or below a threshold payable amount, respectively; and
in response to the clearing delay estimate being above a threshold time, automatically adjusting funds available to disperse to the plurality of merchants based on the clearing delay estimate.