Patents
US 12737762 B2: Method and system for intelligently settling bridged transactions
- Granted
- 2026-09-15
- Filed
- 2024-06-06 application 18736500
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
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.
Source: PTBLXML, file of 2026-09-15 (ipgb20260915.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| MASTERCARD INTERNATIONAL INCORPORATED 2,394 patents | US company or organization | Purchase, NY | PTBLXML, file of 2026-09-15 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Aakarsh Malhotra | New Delhi, IN | PTBLXML, file of 2026-09-15 | ||
| Ashish Kumar | Lucknow, IN | 76 | PTBLXML, file of 2026-09-15 | |
| Deepak Chaurasiya | Gorakhpur, IN | PTBLXML, file of 2026-09-15 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q20/401 | PTBLXML, file of 2026-09-15 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
No recorded assignments or security interests on file for this patent.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.