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;
- 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.
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 confidence scores for each of a plurality of payment accounts for each item in the transaction;
- select one or more payment accounts, of the plurality of payment accounts, to use to pay for the one or more items 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 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 select one or more payment accounts, of the plurality of payment accounts, to use to pay for the one or more items 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.