SYSTEMS AND METHODS FOR PREDICTING CHARGEBACK STAGES
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United States of America Patent
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Aug 25, 2016
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Aug 25, 2016
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Abstract
A chargeback prediction computing device for predicting a chargeback stage for a payment transaction is provided. The chargeback prediction computing device is configured to store chargeback data from a plurality of chargebacks associated with a plurality of account holders wherein the chargeback data includes a plurality of variables, determine a set of indicators from the plurality of variables wherein the indicators include variables associated with each chargeback stage, generate a chargeback prediction model based on the set of indicators, receive candidate chargeback data for a candidate chargeback request wherein the candidate chargeback data includes a plurality of candidate variables, apply the chargeback prediction model to the candidate chargeback data to generate an output, and generate a chargeback type for the candidate chargeback request based on the output, wherein the chargeback type indicates a probability that the candidate chargeback request will reach a particular chargeback stage.
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