US 11,887,066 B2Granted

Methods and systems for performing secure transactions associated with instructions received in natural language form

AssigneeMastercard International Incorporated

InventorsPeeyush Bansal, Avinash Kumar, Rishabh Mehra

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Abstract

Embodiments provide methods and systems for facilitating scheduled payment transactions to users via an application provided by the server system, the application available on the user device. The method performed by the server system includes receiving a transaction request message from the user device, the transaction request message includes scheduled transaction instruction provided by the user in natural language format. The method includes authenticating the user based on a plurality of user authentication factors received from the user at pre-defined time intervals. In an embodiment, the server system is configured to train a data model using ML algorithms by learning the plurality of user authentication factors based on which the user is automatically authenticated by the server system. Upon successful authentication, the method includes parsing the transaction request message to determine a scheduled transaction instruction. The method includes facilitating, processing of the scheduled transaction based on the scheduled transaction instruction.

Claims10

Dependent claims

A computer-implemented method, comprising:

receiving, by a server system, a plurality of user authentication factors at pre-defined time intervals from a user device associated with a user, wherein the plurality of user authentication factors received from the user device at pre-defined time intervals comprises:
recorded voice notes of the user, a GPS location of the user device, 3D facial photographs of the user, and user typing dynamics;
training, by the server system, a machine learning data model using the plurality of user authentication factors;
generating, by the server system using the machine learning data model, a plurality of authentication templates;
generating, by the server system, an authentication key based at least on the plurality of authentication templates;
receiving, by the server system, a transaction request message from a payment application available on the user device, the transaction request message comprising a scheduled transaction instruction in the form of natural language input and a plurality of real-time user authentication factors associated with the user;
encrypting, by the payment application, the scheduled transaction instruction and the plurality of real-time user authentication factors using an encryption key generated by the payment application based on the plurality of real-time user authentication factors;
decrypting, by the server system, the transaction request message using the authentication key;
determining, by the server system, that the plurality of real-time user authentication factors match the plurality of authentication templates;
authenticating, by the server system, the user based on the determination;
upon successful authentication of the user, parsing, by the server system, the transaction request message to determine the scheduled transaction instruction;
and
processing, by the server system, a scheduled transaction based on the determined scheduled transaction instruction.

10 more elements

A system comprising:

a user device;
a communication interface configured to:
receive a plurality of user authentication factors at pre-defined time intervals from the user device associated with a user, wherein the plurality of user authentication factors received from the user device at pre-defined time intervals comprises:
recorded voice notes of the user, a GPS location of the user device, 3D facial photographs of the user, and user typing dynamics;
and
receive a transaction request message from a payment application available on the user device, the transaction request message comprising a scheduled transaction instruction in form of natural language input and a plurality of real-time user authentication factors associated with the user, the scheduled transaction instruction and the plurality of real-time user authentication factors being encrypted using an encryption key generated by the payment application based on the plurality of real-time user authentication factors;
a memory comprising executable instructions;
and
a processor communicably coupled to the communication interface and the memory, the processor configured to execute the executable instructions to cause the processor to:
train a machine learning data model using the plurality of user authentication factors;
generate, using the machine learning data model, a plurality of authentication templates;
generate an authentication key based at least on the plurality of authentication templates;
decrypt the transaction request message using the authentication key;
determine that the plurality of real-time user authentication factors match the plurality of authentication templates;
authenticate the user based on the determination;
upon successful authentication of the user, parse the transaction request message to determine the scheduled transaction instruction;
and
process a scheduled transaction based on the determined scheduled transaction instruction.

15 more elements

Dependencies are inferred from the claim text.

Facts

Application: 17/236,057Filed 21 Apr 2021
Priority: IN 20204102279730 May 2020
Published: US 2021/0374689 A12 Dec 2021
Granted: 30 Jan 2024
Term ends: Not estimatedThe source records don’t support an estimate.

Classification17 codes

G06Q 20/02
Payment architectures, schemes or protocols: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06F 21/32
User authentication: using biometric data, e.g. fingerprints, iris scans or voiceprints
G06F 21/34
User authentication: involving the use of external additional devices, e.g. dongles or smart cards
G06F 40/205
Natural language analysis: parsing