The present disclosure provides a system and a method for generating fund sufficiency score for a cardholder. The proposed system generates a fund sufficiency score when there is not enough fund available in account of the cardholder to complete a transaction. The fund sufficiency score is communicated to an issuer through ISO message or API interface. Further the cardholder also receives a message stating confirmation of authorization for the transaction. The proposed system allows the cardholder to pay his bill even when the cardholder account has less funds. However, if the fund sufficiency score for the cardholder is less then transaction of the cardholder is rejected. The system increases revenue of merchants. Also, the system encourages electronic payment methods and saves time for both the merchant and the cardholder.

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Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.