# US 12,112,335 B2 · Systems and methods for electronic scheduling of payment transaction submissions over electronic networks > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,112,335 B2 - Document ID: US12112335B2 - Status: Granted - Kind: B2 - Application number: 17/449,480 - Filed: 2021-09-30 - Published: 2022-01-20 - Granted: 2024-10-08 - Earliest claimed: 2016-10-25 - Assignees: Worldpay, LLC - Applicants: Worldpay, LLC - Inventors: William H. Cohn; Sunil Dixit; Fengzhong Wang - Web page: https://patentgrep.com/patent/US12112335B2 ## CPC - G06Q 20/102: {Bill distribution or payments} - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 20/0855: {involving a third party} - G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit} - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - 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 ## Abstract A method for payment submission scheduling includes receiving, at an acquirer computing system, an authorization request submitted by a merchant computing system for a transaction, the merchant computing system being associated with a merchant, and the authorization request identifying account information for an account that is associated with a payment card network and an issuer processor; generating a submission schedule to submit the authorization request based on a dataset of historical processing results, the submission schedule identifying a time slot within which the submitted authorization request is to be transmitted to the issuer processor; and transmitting, by the acquirer computing system to an issuer processor, the authorization request, within the time slot identified by the submission schedule. ## Claims ### Claim 1 A method for payment submission scheduling, comprising: receiving, by a processor, an electronic authorization request for a transaction to be submitted within a specified time window; generating, by the processor, a submission schedule to submit the electronic authorization request within the specified time window based on a statistical analysis of a dataset of historical electronic authorization request processing results from a transaction data database, wherein the submission schedule identifies an optimal time slot within the specified time window within which the submitted electronic authorization request is to be transmitted; and transmitting, by the processor, the electronic authorization request within the optimal time slot identified by the submission schedule. ### Claim 2 (depends on 1) The method of claim 1, further comprising: performing, by the processor, the statistical analysis of at least one of a Bank Identification Number (BIN), a Merchant Classification Code (MCC), and a Reason Response Code (RRC) received with a denial message from a previous electronic authorization request in the dataset of processing results for historical electronic authorization requests. ### Claim 3 (depends on 1) The method of claim 1, wherein the electronic authorization request is associated with a merchant, and wherein the electronic authorization request identifies account information for an account that is associated with a payment card network and an issuer processor. ### Claim 4 (depends on 1) The method of claim 1, wherein the submission schedule identifies any of a day of the week for submission of the electronic authorization request, a day of the month for submission of the electronic authorization request, or a periodic schedule for submission of the electronic authorization request. ### Claim 5 (depends on 2) The method of claim 2, further comprising: receiving an electronic authorization result; and updating the transaction database using the received authorization result. ### Claim 6 (depends on 5) The method of claim 5, further comprising: retransmitting, by the processor, the electronic authorization request when the authorization result indicates a failure of the electronic authorization request. ### Claim 7 (depends on 1) The method of claim 1, wherein the submission schedule identifies a plurality of time slots, wherein the received electronic authorization request is to be submitted in at least one of the plurality of time slots. ### Claim 8 A non-transitory computer readable medium storing a program causing a computer to execute a method of payment submission scheduling, the method comprising: receiving, by a processor, an electronic authorization request for a transaction to be submitted within a specified time window; generating, by the processor, a submission schedule to submit the electronic authorization request within the specified time window based on a statistical analysis of a dataset of historical electronic authorization request processing results from a transaction data database, wherein the submission schedule identifies an optimal time slot within the specified time window within which the submitted electronic authorization request is to be transmitted; and transmitting, by the processor, the electronic authorization request within the optimal time slot identified by the submission schedule. ### Claim 9 (depends on 8) The non-transitory computer readable medium of claim 8, wherein the method further comprises: performing, by the processor, the statistical analysis of at least one of a Bank Identification Number (BIN), a Merchant Classification Code (MCC), and a Reason Response Code (RRC) received with a denial message from a previous electronic authorization request in the dataset of processing results for historical electronic authorization requests. ### Claim 10 (depends on 8) The non-transitory computer readable medium of claim 8, wherein the electronic authorization request is associated with a merchant, and wherein the electronic authorization request identifies account information for an account that is associated with a payment card network and an issuer processor. ### Claim 11 (depends on 8) The non-transitory computer readable medium of claim 8, wherein the submission schedule identifies any of a day of the week for submission of the electronic authorization request, a day of the month for submission of the electronic authorization request, or a periodic schedule for submission of the electronic authorization request. ### Claim 12 (depends on 9) The non-transitory computer readable medium of claim 9, wherein the method further comprises: receiving an authorization result; and updating the transaction database using the received authorization result. ### Claim 13 (depends on 12) The non-transitory computer readable medium of claim 12, wherein the method further comprises: retransmitting, by the processor, the electronic authorization request if the authorization result indicates a failure of the authorization request. ### Claim 14 (depends on 8) The non-transitory computer readable medium of claim 8, wherein the submission schedule identifies a plurality of time slots, wherein the received electronic authorization request is to be submitted in at least one of the plurality of time slots. ### Claim 15 A computing system for payment submission scheduling, the computing system comprising a non-transitory computer readable medium having instructions stored thereon which when executed by a processor cause the processor to: receive, by the processor, an electronic authorization request for a transaction to be submitted within a specified time window; generate, by the processor, a submission schedule to submit the electronic authorization request within the specified time window based on a statistical analysis of a dataset of historical electronic authorization request processing results from a transaction data database, wherein the submission schedule identifies an optimal time slot within the specified time window within which the submitted electronic authorization request is to be transmitted; and transmit, by the processor, the electronic authorization request within the optimal time slot identified by the submission schedule. ### Claim 16 (depends on 15) The system of claim 15, wherein the instructions executed by the processor further cause the processor to: perform, by the processor, the statistical analysis of at least one of a Bank Identification Number (BIN), a Merchant Classification Code (MCC), and a Reason Response Code (RRC) received with a denial message from a previous electronic authorization request in the dataset of processing results for historical electronic authorization requests. ### Claim 17 (depends on 15) The system of claim 15, wherein the electronic authorization request is associated with a merchant, and wherein the electronic authorization request identifies account information for an account that is associated with a payment card network and an issuer processor. ### Claim 18 (depends on 15) The system of claim 15, wherein the submission schedule identifies any of a day of the week for submission of the electronic authorization request, a day of the month for submission of the electronic authorization request, or a periodic schedule for submission of the electronic authorization request. ### Claim 19 (depends on 16) The system of claim 16, wherein the instructions executed by the processor further cause the processor to: receive an electronic authorization result; and update the transaction database using the received electronic authorization result. ### Claim 20 (depends on 19) The system of claim 19, wherein the instructions executed by the processor further cause the processor to: retransmit, by the processor, the electronic authorization request when the electronic authorization result indicates a failure of the electronic authorization request.