Transaction processing based on statistical classification and contextual analysis
AssigneeInternational Business Machines Corporation
InventorsWilliam Griffith, Erik D. Anderson, Indran Naick
Life of this patent
Estimating the term…
Abstract
A computer-implemented method includes: receiving, by a computing device, transaction information for a transaction, wherein the transaction information identifies one or more items in the transaction; classifying, by the computing device, each of the one or more items; selecting, by the computing device, one or more payment accounts, of a plurality of payment accounts, to use to pay for the one or more items based on the classifying each of the one or more items; and communicating, by the computing device, with one or more payment servers to charge the one or more payment accounts for the one or more items.
Claims20
A computer-implemented method comprising:
- receiving, by a computing device, transaction information for a transaction, wherein the transaction information identifies one or more items in the transaction;
- classifying, by the computing device, each of the one or more items;
- determining, by the computing device and prior to completing the transaction, confidence scores for each of a plurality of payment accounts for each item in the transaction;
- selecting, by the computing device and prior to completing the transaction, one or more payment accounts, of the plurality of payment accounts, to use to pay for the one or more items, the selecting being based on the confidence scores;
- and
- communicating, by the computing device, with one or more payment servers to charge the one or more payment accounts for the one or more items.
A computer program product for automatically selecting one or more payment accounts to pay for items in a transaction, the computer program product comprising a computer readable storage medium having program instructions embodied therewith, the program instructions executable by a computing device to cause the computing device to:
- receive transaction information for a transaction, wherein the transaction information identifies one or more items in the transaction;
- determine, prior to completing the transaction, confidence scores for each of a plurality of payment accounts for each item in the transaction;
- select, prior to completing the transaction, one or more payment accounts, of the plurality of payment accounts, to use to pay for the one or more items, the selecting being based on the confidence scores;
- and
- communicate with one or more payment servers to charge the one or more payment accounts for the one or more items.
A system comprising:
- a processor, a computer readable memory and a computer readable storage medium associated with a computing device;
- program instructions to receive transaction information for a transaction, wherein the transaction information identifies one or more items in the transaction and a user profile;
- program instructions to apply natural language (NLC) and machine learning techniques to classify each of the one or more items based on the user profile and contextual information;
- program instructions to, prior to completing the transaction, score each of a plurality of payment accounts for each item in the transaction based on the classification, the user profile, and the contextual information;
- program instructions to, prior to completing the transaction, select one or more payment accounts, of the plurality of payment accounts, to use to pay for the one or more items, the selecting being based on the scoring;
- and
- program instructions to communicate with one or more payment servers to charge the one or more payment accounts for the one or more items,
- wherein the program instructions are stored on the computer readable storage medium for execution by the processor via the computer readable memory.
Dependencies are inferred from the claim text.