Visa International Service Association

Nipun Agarwal

Navendu Misra

Durga S Kala

Juharasha Shaik

Marc Corbalan Vila

Stuart Mark Williams

Praveen Kumar Suresh Guggarigoudar

Xuepeng Li

Andrey Masharov

Rajiv Ranjan

Ravi Rameshbhai Alagiya

Kavish Agarwal

Anuvind Pushpak

A method, system, and computer program product for false decline mitigation. The method includes obtaining an objective function associated with an issuer system; training a neural network, based on prior transaction data associated with one or more prior transactions, to optimize the objective function; providing the trained neural network; receiving transaction data generated, based on one or more case creation (CC) rules, during processing of a transaction associated with an account identifier; processing, using the trained neural network, the transaction data to generate an exclude account list including the account identifier; receiving subsequent transaction data associated with a subsequent transaction associated with the account identifier; and authorizing, based on the exclude account list and the account identifier, the subsequent transaction associated with the account identifier without applying one or more real-time decisioning (RTD) rules to the subsequent transaction.

System, method, and computer program product for false decline mitigation

Systems, methods, and computer program products may store, in a distributed cache, a rule associated with a plurality of accounts in a Real-Time Payments (RTP) network, the rule being stored in association with account data associated with the plurality of accounts; receive an account level exclusion directive associated with the account; store, in the distributed cache, the account level exclusion directive in association with the account; receive transaction data associated with a transaction in the RTP network between the account and another account; retrieve, from the distributed cache, the rule, the account level exclusion directive, and the account data associated with the account; exclude, based on the account level exclusion directive, use of the rule for processing the transaction; and process, without applying the rule, the transaction in the RTP network.

System, method, and computer program product for real-time account level rule exclusion for real-time payments

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Austin, TX, United States of America

Nipun Agarwal