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

Claim 15:
16. A computer program product for facilitating card authentication technique selection via machine learning, the computer program product comprising a computer-readable medium having program instructions embodied therewith, the program instructions executable by a processor to cause the processor to perform operations comprising:
training, by the processor, a machine learning model on 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, wherein training the machine learning model further comprises:
identifying, by the processor, a respective training attribute vector and a respectively corresponding authentication technique annotation in the training dataset,
feeding, by the processor, the respective training attribute vector to the machine learning model,
producing a training output based on the respective training attribute vector, and
applying the training output to the machine learning model;
accessing, by the processor, an attribute vector associated with a financial payment card;
executing, by the processor, the machine learning model on the attribute vector, wherein the machine learning model produces as output a binary classification label indicative of a probability of successfully authenticating the financial payment card based on the attribute vector and the training dataset and whether the financial payment card should be authenticated with a zero-dollar authentication technique or a tokenization authentication technique; and
executing, by the processor and with respect to the financial payment card, a card authentication technique that is consistent with the binary classification label.