Methods and systems for dynamic routing of electronic transaction messages via machine learning
US12136072B1 · kind B1 · utility
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5References
20Claims
0Family size
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Key dates
| Filing date | Nov 14, 2022 |
| Grant date | Nov 5, 2024 |
| Priority date | — |
| Expiry date | Nov 14, 2042 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/405
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Systems and methods are disclosed for dynamic routing of electronic transactions. One method comprises receiving a request message from a merchant system and determining a routing directive associated with the request message. Upon determining the routing directive, contextual data may be retrieved based on the routing directive. Then, a final destination payment processor may be determined based on the routing directive and the contextual data. The request message may be updated based on the final destination payment processor. The updated request message may then be transmitted to a downstream entity for further processing.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.