Abstract
Methods, systems, and computer-readable media are disclosed for executing electronic transactions using a location-based predictive model. In one implementation, a location of a user device is monitored and provided to a machine learning model configured to predict a merchant proximate to the device. Merchant information is presented via a user interface, and user input requesting transaction initiation is received. In response, a communication session is automatically established with a merchant application associated with the predicted merchant. The system automatically generates a transaction message comprising user transaction data, credentials, and contextual parameters derived from location and user state, and transmits the message for processing by the merchant application. Transaction authorization and execution are completed without manual data entry. The disclosed techniques reduce transaction friction, accelerate merchant engagement, and enable secure, context-aware commerce by anticipating user intent based on real-time location signals across diverse devices, networks, and merchant ecosystems worldwide at scale.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
Johnson, Shawn L.; Fan, Justin; and Yu, Shizhuo, "METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR PROCESSING A TRANSACTION USING A LOCATION-BASED MODEL", Technical Disclosure Commons, (March 19, 2026)
https://www.tdcommons.org/dpubs_series/9558