Proactive identification of group membership for discounted transactions

A computer-implemented method for assessing a probability of a user belonging to a class of users eligible for a discount, comprising:

• ingesting, by an artificial intelligence algorithm executed by a computing device, a transaction history of the user to train the artificial intelligence algorithm, the transaction history including timestamps, amounts, and locations associated with transactions in the transaction history;
• reviewing, by the artificial intelligence algorithm executed by the computing device, the transaction history of the user using a geospatial analysis to identify one or more transactions made at a geographic location with access limited to the class of users eligible for the discount;
• reviewing, by the artificial intelligence algorithm executed by the computing device, the transaction history of the user using temporal pattern recognition to identify at least one reoccurring transaction having a value consistent with an applied discount limited to the class of users eligible for the discount;
• determining, by the artificial intelligence algorithm executed by the computing device, a score indicating the probability of the user belonging to the class of users eligible for the discount;
• and
• when the score meets a threshold, automatically sending, by the computing device, a request to a vendor to apply a retroactive discount to a completed transaction of the user.