System, Method, and Computer Program Product for Authorization Based on Predicted Settlement Position

A method comprising:

• processing a plurality of electronic payment transactions for a plurality of merchant systems arranged in an electronic payment processing network;
• generating a graph data structure comprising a plurality of nodes and a plurality of edges based on transaction data and external data, the transaction data comprising transaction parameters from each electronic payment transaction of the plurality of electronic payment transactions, the external data comprising information received from a system outside of the electronic payment processing network;
• generating a node embedding for each node of the graph data structure by:
• converting the transaction data associated with the node to first text;
• converting the external data associated with the node to second text;
• and
• generating the node embedding based on the first text and the second text;
• determining that a merchant or group of merchants is associated with a negative settlement risk based on the graph data structure;
• and
• determining whether to authorize an electronic payment transaction based on the negative settlement risk.

A computer program product comprising at least one non-transitory medium including program instructions that, when executed by at least one processor, cause the at least one processor to:

• process a plurality of electronic payment transactions for a plurality of merchant systems arranged in an electronic payment processing network;
• generate a graph data structure comprising a plurality of nodes and a plurality of edges based on transaction data and external data, the transaction data comprising transaction parameters from each electronic payment transaction of the plurality of electronic payment transactions, the external data comprising information received from a system outside of the electronic payment processing network;
• generate a node embedding for each node of the graph data structure by:
• converting the transaction data associated with the node to first text;
• converting the external data associated with the node to second text;
• and
• generating the node embedding based on the first text and the second text;
• determine that a merchant or group of merchants is associated with a negative settlement risk based on the graph data structure;
• and
• determine whether to authorize an electronic payment transaction based on the negative settlement risk.