IP Library › Granted Patent US 12705597
Granted Patent B2
US 12705597 · App. 19/017,888 · Granted Aug 11, 2026

Post-purchase credit offer and tender switch

Inventors: Michael Storiale (Rocky Hill, CT); Lisa Hammond (Alpharetta, GA); William Kievit (Stamford, CT); Tiffanie Terry (Charlotte, NC); Carter Hudson (Charlotte, NC); Jake Miller (Stamford, CT)
Assignee: Synchrony Bank
G06Q20/227G06Q20/4037G06Q30/0235G06Q40/03G06Q40/0305G06Q40/03055
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Quick Facts
Patent No.
US 12705597
App. No.
19/017,888
Granted
Aug 11, 2026
Kind
B2
Abstract

Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Claims (50)

1 . A computer-implemented method comprising:

determining a completion of a transaction at a point-of-sale system, wherein the completed transaction specifies a selected payment instrument associated with a customer, and wherein the completed transaction is held as a pending transaction until authorization for fulfillment of the transaction is provided;

using a trained machine learning algorithm to generate an offer to switch the completed transaction from the selected payment instrument to a preferred payment instrument while the completed transaction is held as the pending transaction;

determining in real-time that an authorized line of credit does not exist for the preferred payment instrument;

dynamically determining the authorized line of credit associated with the preferred payment instrument, wherein an amount of the authorized line of credit is greater than an amount associated with the transaction;

transmitting the offer and the authorized line of credit associated with the preferred payment instrument, wherein when the offer is received by a user device of the customer, the user device presents the offer and the authorized line of credit;

detecting acceptance of the offer;

switching the completed transaction to the preferred payment instrument;

authorizing the fulfillment of the completed transaction; and

determining that the completed transaction is no longer being held as the pending transaction, wherein the trained machine learning algorithm is further trained based on the completed transaction and the acceptance of the offer.

2 . The computer-implemented method of claim 1 , wherein the offer specifies one or more incentives for switching the completed transaction from the selected payment instrument to the preferred payment instrument.

3 . The computer-implemented method of claim 1 , wherein the offer is generated subject to an expiration, and wherein the offer is rescinded as a result of the expiration.

4 . The computer-implemented method of claim 1 , wherein the offer includes an option to split the completed transaction between the selected payment instrument and the preferred payment instrument.

5 . The computer-implemented method of claim 1 , wherein the offer is transmitted to the user device through a Short Message Service (SMS) message, and wherein the SMS message is transmitted using contact information associated with the customer.

6 . The computer-implemented method of claim 1 , wherein the completed transaction is associated with an amount that was used for completing the transaction.

7 . The computer-implemented method of claim 1 , wherein the machine learning algorithm is trained using a training dataset including historical transaction data associated with other customers.

8 . A system comprising:

one or more processors; and

a non-transitory computer-readable medium storing instructions that when executed by the one or more processors, cause the one or more processors to perform operations including:

determining a completion of a transaction at a point-of-sale system, wherein the completed transaction specifies a selected payment instrument associated with a customer, and wherein the completed transaction is held as a pending transaction until authorization for fulfillment of the transaction is provided;

using a trained machine learning algorithm to generate an offer to switch the completed transaction from the selected payment instrument to a preferred payment instrument while the completed transaction is held as the pending transaction;

determining in real-time that an authorized line of credit does not exist for the preferred payment instrument;

dynamically determining the authorized line of credit associated with the preferred payment instrument, wherein an amount of the authorized line of credit is greater than an amount associated with the transaction;

transmitting the offer and the authorized line of credit associated with the preferred payment instrument, wherein when the offer is received by a user device of the customer, the user device presents the offer and the authorized line of credit;

detecting acceptance of the offer;

switching the completed transaction to the preferred payment instrument;

authorizing the fulfillment of the completed transaction; and

determining that the completed transaction is no longer being held as the pending transaction, wherein the trained machine learning algorithm is further trained based on the completed transaction and the acceptance of the offer.

9 . The system of claim 8 , wherein the offer specifies one or more incentives for switching the completed transaction from the selected payment instrument to the preferred payment instrument.

10 . The system of claim 8 , wherein the offer is generated subject to an expiration, and wherein the offer is rescinded as a result of the expiration.

11 . The system of claim 8 , wherein the offer includes an option to split the completed transaction between the selected payment instrument and the preferred payment instrument.

12 . The system of claim 8 , wherein the offer is transmitted to the user device through a Short Message Service (SMS) message, and wherein the SMS message is transmitted using contact information associated with the customer.

13 . The system of claim 8 , wherein the completed transaction is associated with an amount that was used for completing the transaction.

14 . The system of claim 8 , wherein the machine learning algorithm is trained using a training dataset including historical transaction data associated with other customers.

15 . A non-transitory computer-readable medium storing instructions that when executed by one or more processors, cause the one or more processors to perform operations including:

determining a completion of a transaction at a point-of-sale system, wherein the completed transaction specifies a selected payment instrument associated with a customer, and wherein the completed transaction is held as a pending transaction until authorization for fulfillment of the transaction is provided;

using a trained machine learning algorithm to generate an offer to switch the completed transaction from the selected payment instrument to a preferred payment instrument while the completed transaction is held as the pending transaction;

determining in real-time that an authorized line of credit does not exist for the preferred payment instrument;

dynamically determining the authorized line of credit associated with the preferred payment instrument, wherein an amount of the authorized line of credit is greater than an amount associated with the transaction;

transmitting the offer and the authorized line of credit associated with the preferred payment instrument, wherein when the offer is received by a user device of the customer, the user device presents the offer and the authorized line of credit;

detecting acceptance of the offer;

switching the completed transaction to the preferred payment instrument;

authorizing the fulfillment of the completed transaction; and

determining that the completed transaction is no longer being held as the pending transaction, wherein the trained machine learning algorithm is further trained based on the completed transaction and the acceptance of the offer.

16 . The non-transitory computer-readable medium of claim 15 , wherein the offer specifies one or more incentives for switching the completed transaction from the selected payment instrument to the preferred payment instrument.

17 . The non-transitory computer-readable medium of claim 15 , wherein the offer is generated subject to an expiration, and wherein the offer is rescinded as a result of the expiration.

18 . The non-transitory computer-readable medium of claim 15 , wherein the offer includes an option to split the completed transaction between the selected payment instrument and the preferred payment instrument.

19 . The non-transitory computer-readable medium of claim 15 , wherein the offer is transmitted to the user device through a Short Message Service (SMS) message, and wherein the SMS message is transmitted using contact information associated with the customer.

20 . The non-transitory computer-readable medium of claim 15 , wherein the completed transaction is associated with an amount that was used for completing the transaction.

21 . The non-transitory computer-readable medium of claim 15 , wherein the machine learning algorithm is trained using a training dataset including historical transaction data associated with other customers.