Abstract: A method of providing flexibility of an interchange value in card payments via a commercial flexible interchange program includes receiving an authorization request for payment authorization for a transaction from an acquirer. The authorization request includes information of an account of a buyer associated with an issuer and an interchange value. The method further includes, upon determining that the issuer and the acquirer are registered in the commercial flexible interchange program, sending the authorization request for payment authorization for the transaction to the issuer, receiving an authorization response message, and determining whether the authorization response message includes a decline or an authorization for the transaction. In response to determining that the authorization response message includes the decline, passing the authorization response message to the acquirer.

Abstract: A classifier is trained to classify business supplier relationships using synthetic training data samples. Real training data samples are collected and transformed into sample encodings using an encoder. The real training data samples include feature data associated with health class indicators indicative of relationships between suppliers and service providers. A set of synthetic training data samples is generated from the sample encodings using a generator and discrimination feedback data is generated using a discriminator based on the real training data samples and the synthetic training data samples. The discrimination feedback data is used to train the generator. A classifier model is trained to classify suppliers with health class indicators using the set of synthetic training data samples. The use of the encoder, generator, and discriminator enables the generation of accurate synthetic training data that represents the source distribution of real data which are often partially observed.

Abstract: Aspects of the disclosure provide a computerized method and system that utilizes reference expense reports to build and train one or more neural network learning models that intelligently determine the riskiness of to-be-determined expense reports submitted for reimbursement. In examples, a determined riskiness may inform a reimbursement entity manager when determining whether to approve, reject, and/or flag for further review a to-be-determined expense report. In instances, computerized expense report resolution systems and methods may be further automated in order to omit user interactions with to-be-determined expense reports, such that an intelligent computer determines whether to approve, reject, and/or flag a to-be-determined expense report based on the intelligently determined riskiness of the to-be-determined expense report.

Abstract: A method for optimizing invoice payments according to supplier and buyer controls includes: receiving one or more received data message including invoice data, a buyer identification value, a supplier identification value, and a plurality of buyer optimization priorities, wherein the invoice data is associated with an invoice and includes an invoice amount and due date; identifying a plurality of supplier controls associated with the supplier identification value; identifying one or more buyer preferences associated with the buyer identification value; determining an optimal payment schedule for one or more payment transactions for the invoice based on the invoice data, the buyer optimization priorities, the plurality of supplier controls, and the one or more buyer preferences; transmitting a transmitted data message including the determined optimal payment schedule.

Abstract: A method of providing flexibility of an interchange value in card payments via a commercial flexible interchange program includes receiving an authorization request for payment authorization for a transaction from an acquirer. The authorization request includes information of an account of a buyer associated with an issuer and an interchange value. The method further includes, upon determining that the issuer and the acquirer are registered in the commercial flexible interchange program, sending the authorization request for payment authorization for the transaction to the issuer, receiving an authorization response message, and determining whether the authorization response message includes a decline or an authorization for the transaction. In response to determining that the authorization response message includes the decline, passing the authorization response message to the acquirer.

Abstract: Aspects of the disclosure provide a computerized method and system that utilizes reference expense reports to build and train one or more neural network learning models that intelligently determine the riskiness of to-be-determined expense reports submitted for reimbursement. In examples, a determined riskiness may inform a reimbursement entity manager when determining whether to approve, reject, and/or flag for further review a to-be-determined expense report. In instances, computerized expense report resolution systems and methods may be further automated in order to omit user interactions with to-be-determined expense reports, such that an intelligent computer determines whether to approve, reject, and/or flag a to-be-determined expense report based on the intelligently determined riskiness of the to-be-determined expense report.