TRANSACTION CARD SYSTEM HAVING OVERDRAFT CAPABILITY

摘要

A transaction card system pulls past transaction data from a financial institution. A user profile model is applied to the past transaction data and customer data features and transforms the data into a user feature profile that summarizes the identity data, financial health and payment capacity of the customer. An overdraft request has current declined transaction details relating to a customer transaction using the transaction card. The computing network pulls from cache the most recent customer transaction banking data and most recent user feature profile and applies a machine learning approval model to the current declined transaction details, the most recent customer transaction data, and the most recent user feature profile, and determines whether to approve or decline the overdraft amount.