Systems and methods for real-time transfer failure detection and notification

Abstract

Methods and computer systems for processing bulk transfer files are described. In an aspect, a transfer processing system is configured for: receiving a bulk transfer file from a remote device, the bulk transfer file defining a plurality of requested transfers associated with a database; classifying one or more of the requested transfers defined in the bulk transfer file as being likely to fail processing by passing the requested transfers defined in the bulk transfer file to a classifier trained to identify transfers likely to fail processing based on training data, the training data including a plurality of prior requested transfers and associated completion indicators indicating the prior requested transfers that failed processing; and providing, in real time or near real time, a notification to the remote device of the requested transfers identified as likely to fail processing.

1 . A transfer processing system comprising:
 a communications module;   a processor coupled to the communications module; and   a memory coupled to the processor and storing instructions that, when executed by the processor, cause the transfer processing system to:
 receive, using the communications module and from a remote device via an upload interface displayed on the remote device, a bulk transfer file, the bulk transfer file defining a plurality of requested transfers; 
 classify one or more of the requested transfers defined in the bulk transfer file as being likely to fail processing; and 
 provide, to the remote device, a modified bulk transfer file including the requested transfers classified as likely to fail processing and excluding the requested transfers classified as not likely to fail processing. 
   
     
     
         2 . The transfer processing system of  claim 1 , wherein the instructions further cause the transfer processing system to:
 train a classifier to identify transfers likely to fail processing using training data.   
     
     
         3 . The transfer processing system of  claim 1 , wherein the classifier is configured to classify based on one or more of the following features:
 recipient account number format;   recipient account number length;   recipient account number;   recipient jurisdiction; and   recipient bank identifier.   
     
     
         4 . The transfer processing system of  claim 1 , wherein the transfers represent payments. 
     
     
         5 . The transfer processing system of  claim 1 , wherein the modified bulk transfer file is provided in a notification that includes a selectable option to accept a suggested correction and wherein the instructions further cause the transfer processing system to:
 receive an indication from the remote device and via the communications module that a transfer identified as likely to fail processing is believed to be correct; and   process the transfer associated with the indication.   
     
     
         6 . The transfer processing system of  claim 5 , wherein the instructions further cause the transfer processing system to:
 upon determining that the transfer associated with the indication has successfully completed processing, add the transfer to training data used to re-train the classifier, the training data indicating that the transfer has completed processing.   
     
     
         7 . The transfer processing system of  claim 1 , wherein classier is trained with training data that marks at least some of past requested transfers with corrected data, the corrected data indicating a correction made to such transfers for successful processing and wherein the classifier is trained to determine a suggested correction for a transfer identified as likely to fail processing, and wherein the modified bulk transfer file includes the determined suggested correction. 
     
     
         8 . The transfer processing system of  claim 1 , wherein the modified bulk transfer file is provided in real time or near real time upon receipt of the bulk transfer file. 
     
     
         9 . The transfer processing system of  claim 1 , wherein the instructions further cause the transfer processing system to:
 automatically perform a batch processing operation on the requested transfers classified as not likely to fail processing.   
     
     
         10 . The transfer processing system of  claim 1 , wherein the modified bulk transfer file indicates a suggested correction for one or more of the requested transfers. 
     
     
         11 . A computer-implemented method comprising:
 receiving, from a remote device via an upload interface displayed on the remote device, a bulk transfer file, the bulk transfer file defining a plurality of requested transfers;   classifying one or more of the requested transfers defined in the bulk transfer file as being likely to fail processing; and   providing, to the remote device, a modified bulk transfer file including the requested transfers classified as likely to fail processing and excluding the requested transfers classified as not likely to fail processing.   
     
     
         12 . The method of  claim 11 , further comprising:
 training a classifier to identify transfers likely to fail processing using training data.   
     
     
         13 . The method of  claim 11 , wherein the classifier is configured to classify based on one or more of the following features:
 recipient account number format;   recipient account number length;   recipient account number;   recipient jurisdiction; and   recipient bank identifier.   
     
     
         14 . The method of  claim 11 , wherein the transfers represent payments. 
     
     
         15 . The method of  claim 11 , wherein the modified bulk transfer file is provided in a notification that includes a selectable option to accept a suggested correction and wherein the method further includes:
 receiving an indication from the remote device that a transfer identified as likely to fail processing is believed to be correct; and   processing the transfer associated with the indication.   
     
     
         16 . The method of  claim 15 , further comprising:
 upon determining that the transfer associated with the indication has successfully completed processing, adding the transfer to training data used to re-train the classifier, the training data indicating that the transfer has completed processing.   
     
     
         17 . The method of  claim 11 , wherein classier is trained with training data that marks at least some of past requested transfers with corrected data, the corrected data indicating a correction made to such transfers for successful processing and wherein the classifier is trained to determine a suggested correction for a transfer identified as likely to fail processing, and wherein the modified bulk transfer file includes the determined suggested correction. 
     
     
         18 . The method of  11 , wherein the modified bulk transfer file is provided in real time or near real time upon receipt of the bulk transfer file. 
     
     
         19 . The method of  claim 11 , further comprising:
 automatically performing a batch processing operation on the requested transfers classified as not likely to fail processing.   
     
     
         20 . The method of  claim 11 , wherein the modified bulk transfer file indicates a suggested correction for one or more of the requested transfers.