Patent attributes
Systems and methods disclosed herein relate to reducing the losses associated with processing payments using credit card payment processing gateways. Payment processing gateways have different deposit success rates due to the gateways' varying arrangements with acquiring banks and the ability to process certain types of payments. A payment request related to a user may be received, wherein the request specifies a particular type of credit card, a transaction currency, and an amount. A payment application then routes, via a payment agent, the payment request to an adaptive gateway switching system (AGSS) in an attempt to complete a payment transaction. If in learning mode, the AGSS may randomly choose a payment processing gateway. Or the AGSS may choose the gateway based upon a learned gateway status based upon results learned through reinforcement learning. Upon receiving the result of a transaction attempt from the gateway, the agent reports the result to the AGSS. The result is used to update a reward function to inform future attempts to process payments. If the transaction attempt was unsuccessful, the AGSS provides an alternative gateway option for the agent to contact and attempt the transaction. This may continue until one of the following occurs: success; all gateways have been attempted; a predetermined number of gateways has been attempted; a predetermined penalty threshold has been exceeded; or another relevant criterion has been satisfied.
