System for proactively providing a user with prescriptive remedies in response to a credit card transaction error

A system comprising:

• a processor;
• a data bus coupled to the processor;
• and
• a non-transitory, computer-readable storage medium embodying computer program code, the non-transitory, computer-readable storage medium being coupled to the data bus, the computer program code interacting with a plurality of computer operations and comprising instructions executable by the processor and configured for:
• receiving a credit card transaction request for purchase of a product during a purchase session from a merchant;
• receiving a credit card transaction error from a payment gateway;
• passing the credit card transaction error, customer segment information, and customer score information to a prescriptive machine learning engine;
• analyzing the error type, customer segment information, and customer score information at the prescriptive machine learning engine to assign a proactive response to the credit card transaction error, wherein the proactive response includes one or more of:
• suggesting an alternative account to the customer for completing the purchase of the product;
• suggesting an alternative method of payment to the customer for completing the purchase of the product;
• and
• generating a dynamic discount for the product based on at least one of the customer segment and customer score, wherein the dynamic discount has a limited duration subject to completion of the purchase of the product during the purchase session.

A non-transitory, computer-readable storage medium embodying computer program code, the computer program code comprising computer executable instructions configured for:

• receiving a credit card transaction request for purchase of a product during a purchase session from a merchant;
• receiving a credit card transaction error from a payment gateway;
• passing the credit card transaction error, customer segment information, and customer score information to a prescriptive machine learning engine;
• analyzing the error type, customer segment information, and customer score information at the prescriptive machine learning engine to assign a proactive response to the credit card transaction error, wherein the proactive response includes one or more of:
• suggesting an alternative account to the customer for completing the purchase of the product;
• suggesting an alternative method of payment to the customer for completing the purchase of the product;
• and
• generating a dynamic discount for the product based on at least one of the customer segment and customer score, wherein the dynamic discount has a limited duration subject to completion of the purchase of the product during the purchase session.