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

Claim 1:
2. The system of claim 1, wherein the processor determines, based on the attribute vector and via execution of the machine learning model, whether to authenticate the financial payment card with the zero-dollar authentication technique or the tokenization authentication technique by:
inputting, by the processor, the attribute vector associated with the financial payment card to a first machine learning model,
generating, by the first machine learning model, a first successful probability output,
inputting, by the processor, the attribute vector associated with the financial payment card to a second machine learning model,
generating by the second machine learning model, a second successful probability output,
identifying, by the processor, whether to authenticate the financial payment card based on the first successful probability output and the second successful probability output, and
wherein the output further includes a binary classification label that indicates the financial payment card should be authenticated with the zero-dollar authentication technique or the tokenization authentication technique.