Abstract: Techniques for the implantation of time-dependent features (e.g., slope features) in existing data analysis models are disclosed. Time-dependent features are applied in machine learning algorithms to provide deeper analysis of temporally spaced data. Temporally spaced data is time-based or time-dependent data where data is populated at different points in time over some period of time. Implementing the time-dependent features enables application of first derivatives that define slopes over time (e.g., performance) windows within the period of time of the data. Application of the first derivatives provides analysis of the trend of the data over time. Additional features and/or higher order derivatives may also be applied to the first derivatives to provide further refinement to analysis of the temporally spaced data.

Abstract: A method includes receiving a payment request that indicates a card identifier corresponding to a payment instrument to be used for payment. The method further includes determining that the card identifiers fails to satisfy at least one card activity criteria. Additionally, method includes subsequent to determining that no failed authorization attempts were performed for the card identifier within a previous time period, retrieving, from a database, a decline probability score associated with the card identifier. The method also includes based on the decline probability score, determining whether to transmit an authorization request for the card identifier prior to processing the payment request.

Abstract: A method includes receiving a payment request that indicates a card identifier corresponding to a payment instrument to be used for payment. The method further includes determining that the card identifiers fails to satisfy at least one card activity criteria. Additionally, method includes subsequent to determining that no failed authorization attempts were performed for the card identifier within a previous time period, retrieving, from a database, a decline probability score associated with the card identifier. The method also includes based on the decline probability score, determining whether to transmit an authorization request for the card identifier prior to processing the payment request.

Abstract: A method includes receiving a payment request that indicates a card identifier corresponding to a payment instrument to be used for payment. The method further includes determining that the card identifiers fails to satisfy at least one card activity criteria. Additionally, method includes subsequent to determining that no failed authorization attempts were performed for the card identifier within a previous time period, retrieving, from a database, a decline probability score associated with the card identifier. The method also includes based on the decline probability score, determining whether to transmit an authorization request for the card identifier prior to processing the payment request.