Abstract: A computer system including a first network-based portal, a second network-based portal, and an analyzer computing device including at least one processor is provided. The at least one processor is configured to: (i) receive an initial data message including data elements, (ii) analyze, using machine learning tools, the data elements to determine to route the initial data message to the second network-based portal or to a processing computing device, (iii) in response to determining to route the initial data message to the second network-based portal, route the initial data message to the second network-based portal via a first network communication link, and (iv) in response to determining to route the initial data message to the processing computing device via a second network communication link, reformat the initial data message into a different protocol compatible with the second network communication link, and transmit the reformatted message to the processing computing device.

Abstract: A computer-implemented method for performing a stand-in payment authorization is provided. The method is implemented using a stand-in payment authorization (SPA) computing device. The method includes storing account numbers of predesignated cardholders in an account file that are designated to receive stand-in authorization by the SPA computing device. The method also includes receiving an authorization request data signal redirected to the SPA computing device after the authorization request data signal was submitted to an unresponsive issuing bank computing device. The method further includes generating an authorization response data signal based at least upon a comparison of the account numbers stored in the account file to a candidate account number. The method further includes transmitting the authorization response data signal.

Abstract: A computer-implemented method for performing a stand-in payment authorization is provided. The method is implemented using a stand-in payment authorization (SPA) computing device. The method includes storing account numbers of predesignated cardholders in an account file that are designated to receive stand-in authorization by the SPA computing device. The method also includes receiving an authorization request data signal redirected to the SPA computing device after the authorization request data signal was submitted to an unresponsive issuing bank computing device. The method further includes generating an authorization response data signal based at least upon a comparison of the account numbers stored in the account file to a candidate account number. The method further includes transmitting the authorization response data signal.

Abstract: A pre-chargeback computer network for processing pre-chargeback dispute messages includes a dispute analyzer (DA) computing device. The DA computing device is configured to receive a dispute message identifying a disputed transaction from an issuer portal over a first communication link, the dispute message including transaction data associated with the disputed transaction and dispute data. The DA computing device is further configured to analyze the transaction data and the dispute data, and route the dispute message over the pre-chargeback network or a separate chargeback network based on the analysis.