Abstract: A device may obtain historical refund data, the historical refund data including at least one of: merchant refund time data, shipping time data, or user account refund time data. The device may generate, based on the historical refund data, a refund model, the refund model being trained to receive, as input, at least one of: merchant data identifying a merchant, shipping data identifying a shipping entity, or account data identifying a user account entity. The device may receive return data indicating that a user account is to be credited, the return data including the merchant data. The device may determine a predicted refund time based on the return data and the refund model, and perform an action based on the predicted refund time.