International Business Machines Corporation
Cognitive blockchain for customized interchange determination

Abstract:

An example operation may include one or more of identifying, via a cognitive system, that a change in a creditworthiness attribute of a cardholder has occurred with respect to a previous creditworthiness of the cardholder, in response to identifying the change in the creditworthiness attribute of the cardholder, dynamically determining a custom interchange value for the cardholder to be used in payment transactions based on a current credit data of the cardholder, transmitting the dynamically determined custom interchange value for the cardholder to one or more blockchain peer nodes, and storing the dynamically determined custom interchange value in a hash-linked chain of blocks via a distributed ledger.