Systems and methods to accelerate transactions based on predictions

A non-transitory machine readable medium storing instructions, the instructions causing a computer to perform a method comprising:

• instructing a mobile controller to transmit a first billing message to a first phone number to collect funds via a telecommunication carrier of the first phone number;
• prior to receiving a delivery confirmation for the first billing message, determining whether a risk of failure in delivery of the first billing message to the first phone number is lower than a threshold;
• in response to a determination that the risk is lower than the threshold, transmitting a payment notification to a merchant prior to reception of the delivery confirmation;
• and
• in response to a determination that the risk is higher than the threshold, postponing transmission of the payment notification until the reception of the delivery confirmation.

A system, comprising:

• a data storage facility to store information associated with past payment transactions;
• and
• an interchange coupled with the data storage facility, the interchange including a common format processor and a plurality of converters to interface with a plurality of controllers, the converters configured to communicate with the controllers in different formats, the converters to communicate with the common format processor in a common format, the common format processor including a risk engine and a transaction engine;
• wherein after a payment request identifying a first phone number is received in the interchange, the transaction engine is to use a first converter associated with a telecommunication carrier of the first phone number to instruct a first controller to transmit a first billing message to the first phone number to collect funds for the payment request;
• wherein the risk engine is to use the information stored in the data storage facility to determine whether a risk of failure in delivery of the first billing message to the first phone number is lower than a threshold;
• wherein, in response to a determination that the risk is lower than the threshold, the transaction engine is to transmit a payment notification to a merchant prior to reception of delivery confirmation for the first billing message;
• and
• wherein, in response to a determination that the risk is higher than the threshold, the transaction engine is to postpone transmission of the payment notification until the reception of the delivery confirmation.