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

Claim 0:
1. A computer-implemented method, comprising:
receiving, by a server system, a plurality of user authentication factors at pre-defined time intervals from a 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;
training, by the server system, a machine learning data model using the plurality of user authentication factors;
generating, by the server system using the machine learning data model, a plurality of authentication templates;
generating, by the server system, an authentication key based at least on the plurality of authentication templates;
receiving, by the server system, a transaction request message from a payment application available on the user device, the transaction request message comprising a scheduled transaction instruction in the form of natural language input and a plurality of real-time user authentication factors associated with the user;
encrypting, by the payment application, the scheduled transaction instruction and the plurality of real-time user authentication factors using an encryption key generated by the payment application based on the plurality of real-time user authentication factors;
decrypting, by the server system, the transaction request message using the authentication key;
determining, by the server system, that the plurality of real-time user authentication factors match the plurality of authentication templates;
authenticating, by the server system, the user based on the determination;
upon successful authentication of the user, parsing, by the server system, the transaction request message to determine the scheduled transaction instruction; and
processing, by the server system, a scheduled transaction based on the determined scheduled transaction instruction.