Patent ID: 11893465
Assignee: PAYPAL, INC.
Field: Computer technology (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 14:
15. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
receiving a request for processing a transaction;
determining, using a gradient boosting tree and based on transaction data associated with the transaction, a risk associated with the transaction, wherein the gradient boosting tree comprises a plurality of layers, wherein a first layer in the gradient boosting tree comprises a first plurality of machine learning models, wherein each machine learning model in the first plurality of machine learning models is independent from other machine learning models in the first plurality of machine learning models, wherein the first plurality of machine learning models was trained in parallel, and wherein a second layer in the gradient boosting tree comprises a second plurality of machine learning models configured to reduce a collective prediction error associated with the first layer of the gradient boosting tree; and
processing the transaction based on the risk.