The present disclosure relates to a technique for establishing a relationship between a plurality of payment cards held by the cardholder and further utilizing the established relationship to suggest alternative payment options, in case the first card is declined. The technique involves sending a query to a relationship manager (RM) by the merchant if the initiated transaction is declined to inquire whether it stores any established relationship between the cardholder’s multiple payment cards, communicated to it by the issuer entities. In response, the RM searches its database and deploys the learning model to suggest the best replacement option out of all the recognized payment cards by the corresponding established relationship and communicates the same to the merchant terminal. The cardholder is provided with an alternative payment option to turn the declined transaction into an approved one thus creating positive outcomes for all the participants of the payment processing ecosystem.
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Huria, Hunny and Blundell, Kira, "A METHOD FOR ESTABLISHING CARD RELATIONSHIPS AND SYSTEM THEREOF", Technical Disclosure Commons, (October 18, 2023)