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. 15, 2026
Filed:
Jun. 06, 2024
Mastercard International Incorporated, Purchase, NY (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
Methods and systems for intelligently settling bridged transactions are disclosed. The method performed by a server system includes receiving a payment authorization message associated with an ongoing payment transaction from an issuer server. Here, the ongoing payment transaction is a bridged transaction with the issuer server operating in a single message system and an acquirer server operating in a dual message system. Method includes extracting a transaction feature set from the ongoing payment transaction and accessing a historical trend feature set from a database. Method includes generating, by one or more clearing prediction models associated with the server system, a clearing score for the ongoing payment transaction based, at least in part, on the transaction feature set and the historical trend feature set. Method includes transmitting a hold transaction message to the issuer server based, at least in part, on the clearing score being lower than a predefined threshold.