Server-side detection of subscription transactions with machine learning integration for temporary subscription-based blocks

A non-transitory computer readable medium having instructions stored thereon that, when executed by one or more processors, cause the one or more processors to perform steps comprising:

• determining, using a machine learning model on a first server trained to predict whether a transaction received at a server and for an electronic payment method is a subscription transaction, one or more subscription transactions previously received at the first server and for a first electronic payment method of a first user;
• determining, using the machine learning model and based on the one or more subscription transactions, that the first user has a first subscription at a first merchant, wherein the one or more subscription transactions correspond to one or more payments from the first electronic payment method to the first merchant for the first subscription;
• causing display of, by a first server and on a user device associated with the first user, an option to cancel the first subscription:
• receiving, based on first user input to the user device and at the first server, an indication to cancel the first subscription;
• sending, from the first server to a second server associated with the first merchant, a request to cancel the first subscription;
• instituting a first block on incoming transactions for the first subscription, wherein instituting the first block comprises:
• receiving, at the first server, a first incoming transaction for the first electronic payment method;
• determining, using the machine learning model, whether the first incoming transaction is from the first merchant;
• determining, using the machine learning model and based the one or more subscription transactions corresponding to one or more payments for the first subscription, whether the first incoming transaction is for the first subscription;
• and
• based on the first block and based on determining that the first incoming transaction is for the first subscription, preventing the first incoming transaction from being applied to the electronic payment method;
• receiving, at the first server and from the second server, an indication that the first subscription has been canceled by the first merchant;
• and
• removing the first block.

A computing device, comprising:

• one or more processors;
• and
• memory storing instructions that, when executed by the one or more processors, cause the computing device to:
• determine, using a machine learning model on a first server trained to predict whether a transaction received at a server and for an electronic payment method is a subscription transaction, one or more subscription transactions previously received at the first server and for a first electronic payment method of a first user;
• determine, using the machine learning model and based on the one or more subscription transactions, that the first user has a first subscription at a first merchant, wherein the one or more subscription transactions correspond to one or more payments from the first electronic payment method to the first merchant for the first subscription;
• cause display of, by a first server and on a user device associated with the first user, an option to cancel the first subscription:
• receive, based on first user input to the user device and at the first server, an indication to cancel the first subscription;
• send, from the first server to a second server associated with the first merchant, a request to cancel the first subscription;
• institute a first block on incoming transactions for the first subscription, wherein instituting the first block comprises:
• receiving, at the first server, a first incoming transaction for the first electronic payment method;
• determining, using the machine learning model, whether the first incoming transaction is from the first merchant;
• determining, using the machine learning model and based on the one or subscription transactions corresponding to one or more payments for the first subscription, whether the first incoming transaction is for the first subscription;
• and
• based on the first block and based on determining that the first incoming transaction is for the first subscription, prevent the incoming transaction from being applied to the electronic payment method;
• receive, at the first server and from the second server, an indication that the first subscription has been canceled by the first merchant;
• and
• remove the first block.