| CPC G06Q 20/102 (2013.01) [G06Q 20/14 (2013.01); G06Q 20/407 (2013.01)] | 20 Claims |
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1. A computer implemented method comprising:
receiving, at a server, a pre-authorization request for an electronic payment method associated with a user;
determining, based on the pre-authorization request, that the user has signed up for a trial of a service associated with an entity, wherein determining that the user has signed up for the trial comprises:
identifying, by a machine learning model and based on the pre-authorization request, the entity, and
determining, by the machine learning model and based on the pre-authorization request and the entity, that the pre-authorization request is for a trial;
sending, from the server and to a mobile device associated with the user, a notification indicating that a trial has been detected based on the pre-authorization request for the electronic payment method;
predicting, by the machine learning model and based on prior pre-authorization requests from the entity and prior incoming charges from the entity, a trial duration;
sending, prior to expiration of the trial duration and from the server and to the mobile device, an option to block charges from the entity to the electronic payment method;
receiving, from the mobile device and at the server, an indication to block charges from the entity; and
based on the indication to block charges, blocking an incoming charge from the entity to the electronic payment method, wherein blocking the incoming charge comprises:
storing, for the electronic payment method and on the server, the entity on a blocked list associated with the electronic payment method,
receiving, at the server, the incoming charge,
determining, by the machine learning model and based on prior incoming charges from the entity, that the incoming charge is from the entity, and
based on the determination that the incoming charges is from the entity, preventing the incoming charge from the entity from being applied to the electronic payment method.
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