Post-purchase credit offer and tender switch

A system comprising:

• one or more processors;
• and
• a non-transitory computer-readable medium storing instructions that when executed by the one or more processors, cause the one or more processors to perform operations including:
• determining a completion of a transaction at a point-of-sale system, wherein the completed transaction specifies a selected payment instrument associated with a customer, and wherein the completed transaction is held as a pending transaction until authorization for fulfillment of the transaction is provided;
• using a trained machine learning algorithm to generate an offer to switch the completed transaction from the selected payment instrument to a preferred payment instrument while the completed transaction is held as the pending transaction;
• determining in real-time that an authorized line of credit does not exist for the preferred payment instrument;
• dynamically determining the authorized line of credit associated with the preferred payment instrument, wherein an amount of the authorized line of credit is greater than an amount associated with the transaction;
• transmitting the offer and the authorized line of credit associated with the preferred payment instrument, wherein when the offer is received by a user device of the customer, the user device presents the offer and the authorized line of credit;
• detecting acceptance of the offer;
• switching the completed transaction to the preferred payment instrument;
• authorizing the fulfillment of the completed transaction;
• and
• determining that the completed transaction is no longer being held as the pending transaction, wherein the trained machine learning algorithm is further trained based on the completed transaction and the acceptance of the offer.

A non-transitory computer-readable medium storing instructions that when executed by one or more processors, cause the one or more processors to perform operations including:

• determining a completion of a transaction at a point-of-sale system, wherein the completed transaction specifies a selected payment instrument associated with a customer, and wherein the completed transaction is held as a pending transaction until authorization for fulfillment of the transaction is provided;
• using a trained machine learning algorithm to generate an offer to switch the completed transaction from the selected payment instrument to a preferred payment instrument while the completed transaction is held as the pending transaction;
• determining in real-time that an authorized line of credit does not exist for the preferred payment instrument;
• dynamically determining the authorized line of credit associated with the preferred payment instrument, wherein an amount of the authorized line of credit is greater than an amount associated with the transaction;
• transmitting the offer and the authorized line of credit associated with the preferred payment instrument, wherein when the offer is received by a user device of the customer, the user device presents the offer and the authorized line of credit;
• detecting acceptance of the offer;
• switching the completed transaction to the preferred payment instrument;
• authorizing the fulfillment of the completed transaction;
• and
• determining that the completed transaction is no longer being held as the pending transaction, wherein the trained machine learning algorithm is further trained based on the completed transaction and the acceptance of the offer.