Patent ID: 11869002
Assignee: PAYPAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 8:
9. A computer-implemented method, comprising:
receiving, by a device operatively coupled to a processor, a training dataset, wherein the training dataset includes a set of training attribute vectors and a set of authentication technique annotations that respectively correspond to the set of training attribute vectors;
initializing, by the processor, a set of internal parameters,
identifying, by the processor, a respective training attribute vector and a respectively corresponding authentication technique annotation in the training dataset, and
feeding, by the processor, the respective training attribute vector to one or more machine learning model models to determine which type of authentication technique to apply to a financial payment card based on the set of training attribute vectors and the respectively corresponding set of authentication technique annotations;
producing a training output based on the respective training attribute vector;
applying, by the processor, the set of internal parameters to the one or more machine learning models;
accessing electronically, by the device, an attribute vector associated with the financial payment card;
determining, by the device and via execution of one or more machine learning models, an output indicative of a probability of successfully authenticating the financial payment card based on the attribute vector and the training dataset;
determining, by the device and via execution of the one or more machine learning models, whether to authenticate the financial payment card with a zero-dollar authentication technique or a tokenization authentication technique, based on the attribute vector and the output;
executing, by the device, the zero-dollar authentication technique with respect to the financial payment card, when the device determines that the financial payment card should be authenticated with the zero-dollar authentication technique; and
executing, by the device, the tokenization authentication technique with respect to the financial payment card, when the device determines that the financial payment card should be authenticated with the tokenization authentication technique.