Patent ID: 9576290
Date: 2017-02-21
CPC Classifications: G06Q

Claim:
1. A method of operating an authentication gateway computer server comprising: performing by a processor of the authentication gateway computer server: receiving, through a network interface of the authentication gateway computer server, a plurality of first eCommerce authentication requests from a plurality of first merchant nodes separate from the authentication gateway computer server, wherein respective ones of the plurality of first eCommerce authentication requests comprise first cardholder information; receiving, through the network interface of the authentication gateway computer server, feedback information corresponding to at least one of the plurality of first eCommerce authentication requests; training, using training circuitry of the authentication gateway computer server, a non-linear neural network model based on a comparison of the first cardholder information provided by the plurality of first eCommerce authentication requests and the feedback information corresponding to the at least one of the plurality of first eCommerce authentication requests to create a customized non-linear neural network model customized to the plurality of first eCommerce authentication requests received by the authentication gateway computer server, receiving, through the network interface of the authentication gateway computer server, a second eCommerce authentication request from a second merchant node, the second eCommerce authentication request having content comprising second cardholder information; generating a risk score for the second eCommerce authentication request based on comparison of the second cardholder information of the second eCommerce authentication request to first cardholder information of the first eCommerce authentication requests of the plurality of first merchant nodes by processing a plurality of items of the content of the second eCommerce authentication request through different inputs of the customized non-linear neural network model to generate the risk score for the second eCommerce authentication request, selectively routing the second eCommerce authentication request through the network interface of the authentication gateway computer server to an authentication computer server, separate from the authentication gateway computer server, for additional authentication based on the risk score.