US 11,710,055 B2
Processing machine learning attributes
Ying Lin, Shanghai (CN); Huagang Yin, Shanghai (CN); and Jiaqi Zhang, Shanghai (CN)
Assigned to PayPal, Inc., San Jose, CA (US)
Filed by PayPal, Inc., San Jose, CA (US)
Filed on Feb. 25, 2022, as Appl. No. 17/681,480.
Application 17/681,480 is a continuation of application No. 15/296,520, filed on Oct. 18, 2016, granted, now 11,301,765.
Prior Publication US 2022/0180231 A1, Jun. 9, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06N 5/045 (2023.01)
CPC G06N 5/045 (2013.01) [G06Q 20/4016 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer system, comprising:
a processor; and
a non-transitory computer-readable medium having stored thereon instructions that are executable to cause the computer system to perform operations comprising:
receiving information indicating a request to perform an electronic transaction between a user of a user device and a merchant associated with a merchant device, wherein the request comprises a plurality of attribute values corresponding to a plurality of transaction attributes associated with the electronic transaction;
determining, using a risk evaluation model, that the request is associated with a first risk above a predefined amount, wherein the risk evaluation model indicates that the request should be denied based on the first risk being above the predefined amount;
determining, using the risk evaluation model, at least a specific machine learning attribute from a set of machine learning attributes, wherein a specific value for the specific machine learning attribute contributes to the first risk being above the predefined amount based on a plurality of modified transaction requests, wherein the plurality of modified transaction requests are generated by modifying different ones of the plurality of transaction attributes associated with the electronic transaction;
generating an indication that the request is denied based on the specific machine learning attribute; and
transmitting, to the user of the user device, response information including the indication that the request is denied based on the specific machine learning attribute.