US Patent 10062074 System for improving card on file transactions

Techniques and arrangements for improving card on file transactions are described. For instance, a payment service may receive, from one or more merchant devices, transaction information associated with at least one transaction between a merchant and a customer, where the transaction information includes at least payment information of a payment instrument used during respective transactions. The payment service may then analyze the transaction information to compute a value associated with a transaction characteristic as indicated by the transaction information, determine that the value exceeds a threshold value, and, based on determining that the value exceeds the threshold value, send the customer a message requesting that the customer store the payment information with the merchant. The value associated with the transaction characteristic can include a total number of transactions, a total cost of transactions, or a frequency associated with the transactions between the merchant and the customer.