Mastercard International Incorporated

Siddharth Vimal

Ankur Arora

Gaurav Dhama

Hardik Wadhwa

Puneet Vashisht

Recommendations of one or more authorizing components are provided to issuers and/or merchants for enhancing approval rates of payment processing requests. A server system receives a payment authorization request for a payment transaction between a cardholder and a merchant in real time. Payment transaction features associated with the payment transaction are identified based on the payment authorization request. A combination of one or more authorizing components to be applied to the payment transaction is predicted to obtain a product recommendation strategy for the payment transaction. The combination of one or more authorizing components is predicted based on a trained machine learning model and the payment transaction features. The payment authorization request and the product recommendation strategy are transmitted to an issuer associated with the cardholder.

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Chandigarh, India

Siddharth Vimal