MESSAGE DELAY ESTIMATION SYSTEM AND METHOD

A clearing delay estimate may be employed that provides issuers with an accurate estimate for when a transaction will be cleared, thus providing more transparency to issuers to more efficiently managefunds. An algorithm may be employed to estimate clearance timing information and insert the timing information into communications with the issuer or other parties to a transaction involving a payment device. The estimated clearance timing information may be determined based on machine learning and other artificial intelligence techniques using historical data related to clearance timing for theparticular entities involved in each transaction. 能够采用清算延迟估计，所述清算延迟估计为发行方提供关于何时会清算交易的准确估计，由此为发行方提供更高透明度来更有效地管理资金。算法能够用于估计清算时序信息，并且将所述时序信息插入到与所述发行方或涉及支付装置的交易的其它方的通信中。能够使用与每个交易中涉及的特定实体的清算时序相关的历史数据，基于机器学习和其它人工智能技术来确定所述所估计清算时序信息。