US Patent 11423401 Message delay estimation system and method

A clearing delay estimate may be employed that provides issuers with an accurate estimate for when a transaction will be cleared, thus providing more transparency to issuers to more efficiently manage funds. An algorithm may be employed to estimate clearance timing information and insert the timing information into communications with the issuer or other parties to a transaction involving a payment device. The estimated clearance timing information may be determined based on machine learning and other artificial intelligence techniques using historical data related to clearance timing for the particular entities involved in each transaction.