Systems and methods for machine-learning based digital threat assessment with integrated activity verification

A method for implementing a machine learning-based score driven automated verification of a target event, the method comprising:

• receiving, via an application programming interface (API) of a threat mitigation service, a threat verification request;
• using one or more feature extractors to extract a corpus of threat features based on an input of activity data relating to the target online activity;
• using one or more threat scoring machine learning models to predict the machine learning-based threat score based on an input of the corpus of threat features based on the threat verification request;
• evaluating the machine learning-based threat score against one or more distinct stages of an automated disposal decisioning workflow;
• computing the activity disposal decision based on the evaluation, wherein the activity disposal decision informs an action to allow or to disallow the target online activity;
• receiving the machine learning-based threat score as input into an automated verification workflow;
• computing whether an automated verification of the target online activity is required or not based on an evaluation of the machine learning-based threat score against one or more distinct verification decisioning criteria of the automated verification workflow based on the threat verification request;
• if the automated verification satisfies one of the one or more distinct verification decisioning criteria, automatically executing the automated verification of the target online activity and exposing results of the automated verification to the subscriber for allowing or for disallowing the target online activity.

A system for implementing a machine learning-based score driven automated verification of a target event, the system comprising:

• a threat scoring application programming interface (API) of a threat mitigation service that:
• receives a threat verification request;
• uses one or more machine learning models to extract a corpus of threat features based on an input of activity data relating to the target online activity;
• uses one or more threat scoring machine learning models to predict the machine learning-based threat score based on an input of the corpus of threat features based on the threat verification request;
• an automated decisioning workflow module implementing by one or more computers of the threat mitigation service that:
• evaluates the machine learning-based threat score against one or more distinct stages of an automated disposal decisioning workflow;
• computes the activity disposal decision based on the evaluation, wherein the activity disposal decision informs an action to allow or to disallow the target online activity;
• an automated verification workflow module by the one or more computers of the threat mitigation service that:
• receives the machine learning-based threat score as input into an automated verification workflow;
• computes whether an automated verification of the target online activity is required or not based on an evaluation of the machine learning-based threat score against one or more distinct verification decisioning criteria of the automated verification workflow based on the threat verification request;
• if the automated verification satisfies one of the one or more distinct verification decisioning criteria, automatically executes the automated verification of the target online activity and exposing results of the automated verification to the subscriber for allowing or for disallowing the target online activity.