Systems and method for automatic transaction routing and execution

A computer implemented method for intelligent routing, the method comprising:

• presenting an interface to a customer comprising one or more fields and receiving information associated with an initiation of a transaction including identification data, payment information, and contact information for the customer;
• accepting, by at least one processor, information associated with the initiation of the transaction as input to at least one machine learning model the information associated with an initiation of the transaction;
• evaluating, with the at least one machine learning model executed by the at least one processor, a plurality of processing routes for the transaction, the evaluation comprising:
• for a first processing route of the plurality of processing routes, determining a first computational burden associated with executing the transaction, the first processing route comprising a first set of system routing options including (1) one or more intermediary systems, and a first outcome system, (2) requirements associated with first participant systems, and (3) any triggers associated with additional computational burdens including analysis of any trigger that increases if security information requested, the first computational burden being determined based at least in part on the requirements associated with the intermediary systems and the triggers caused by executing the transaction according to the first processing route, including any trigger that increases security information requested;
• for a second processing route of the plurality of processing routes, determining a second computational burden associated with executing the same transaction, the second processing route comprising a second set of system routing options including (1) one or more intermediary systems, (2) requirements associated with the intermediary systems, and (3) any triggers associated with additional computational burdens, the second computational burden being determined based at least in part on the requirements associated with the intermediary systems and the triggers caused by executing the transaction according to the second processing route;
• and
• evaluating by the at least one machine learning model probabilities of executing the transaction successfully associated with the first processing route and second processing route;
• compare the first computational burden and the second computational burden;
• executing, by the at least one processing, the transaction using the first processing route based on a first probability of executing the transaction successfully with the first processing route meeting a threshold and the first computational burden associated with the first processing route being less than the second computational burden associated with the second processing route;
• and
• executing, by the at least one processor, the transaction using the second processing route based on a second probability of executing the transaction successfully with the second processing route meeting a threshold and the second computational burden associated with the second processing route being less than the first computational burden associated with the first processing route.