Patent ID: 11887066
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 5:
6. A system comprising:
a user device;
a communication interface configured to:
receive a plurality of user authentication factors at pre-defined time intervals from the user device associated with a user, wherein the plurality of user authentication factors received from the user device at pre-defined time intervals comprises: recorded voice notes of the user, a GPS location of the user device, 3D facial photographs of the user, and user typing dynamics; and
receive a transaction request message from a payment application available on the user device, the transaction request message comprising a scheduled transaction instruction in form of natural language input and a plurality of real-time user authentication factors associated with the user, the scheduled transaction instruction and the plurality of real-time user authentication factors being encrypted using an encryption key generated by the payment application based on the plurality of real-time user authentication factors;

a memory comprising executable instructions; and
a processor communicably coupled to the communication interface and the memory, the processor configured to execute the executable instructions to cause the processor to:
train a machine learning data model using the plurality of user authentication factors;
generate, using the machine learning data model, a plurality of authentication templates;
generate an authentication key based at least on the plurality of authentication templates;
decrypt the transaction request message using the authentication key;
determine that the plurality of real-time user authentication factors match the plurality of authentication templates;
authenticate the user based on the determination;
upon successful authentication of the user, parse the transaction request message to determine the scheduled transaction instruction; and
process a scheduled transaction based on the determined scheduled transaction instruction.