The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 03, 2024
Filed:
Mar. 22, 2019
Visa International Service Association, San Francisco, CA (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
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.