CPC G06Q 20/02 (2013.01) [G06F 21/32 (2013.01); G06F 21/34 (2013.01); G06F 40/205 (2020.01); G06N 20/00 (2019.01); G06Q 20/326 (2020.05); G06Q 20/386 (2020.05); G06Q 20/3829 (2013.01); G06Q 20/4015 (2020.05); G06Q 20/40145 (2013.01); G06Q 40/02 (2013.01); G06Q 2220/00 (2013.01)] | 10 Claims |
1. 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.
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