Patent ID: 11875352
Assignee: PAYPAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A system comprising:
one or more processors; and
one or more machine-readable storage media having instructions stored thereon that, in response to being executed by the one or more processors, cause the system to perform operations comprising:
receiving an intent associated with a purchase by a user from a merchant;
receiving, from a merchant device of the merchant, a purchase request for a first item from the merchant using a payment instrument associated with the user;
tracking user behavior of the user during a time period associated with the purchase request;
determining a confidence rating that the user is associated with the purchase request based on the intent and the user behavior, wherein the confidence rating is based at least in part on how much the user behavior deviates from initial information provided for the user;
dynamically adjusting an authentication needed for processing the purchase request using the payment instrument based in part on the confidence rating;
transmitting a request for the authentication needed to the merchant device;
receiving an authentication input associated with the request from the merchant device; and
processing a transaction based on the received authentication input.