US 12,293,366 B2
System, method, and computer program product for real-time automatic authorization of a payment transaction
Emese Bari, San Jose, CA (US); Jiri Medlen, Fullerton, CA (US); and Ramkumar Jambunathan, San Jose, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Feb. 21, 2023, as Appl. No. 18/111,919.
Application 18/111,919 is a continuation of application No. 17/279,620, granted, now 11,615,417, previously published as PCT/US2018/053874, filed on Oct. 2, 2018.
Prior Publication US 2023/0206239 A1, Jun. 29, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01)
CPC G06Q 20/40145 (2013.01) [G06Q 20/4015 (2020.05)] 17 Claims
OG exemplary drawing
 
1. A method, comprising:
receiving, with at least one processor, first data associated with a consumer, wherein the first data comprises:
transaction data associated with a plurality of payment transactions, and
biometric data associated with a plurality of biometric measurements of the consumer, wherein each of the biometric measurements is taken within a predetermined time interval associated with each payment transaction of the plurality of payment transactions;
generating, with at least one processor, a payment transaction classification model based on the transaction data associated with the plurality of payment transactions and the biometric data associated with the plurality of biometric measurements of the consumer, wherein the payment transaction classification model is configured to provide an output that comprises a prediction as to whether the consumer will use an account of the consumer to conduct a payment transaction with a merchant;
measuring a metabolic aspect of the consumer during a time interval using a biometric sensor to provide biometric data associated with a biometric measurement of the metabolic aspect of the consumer during the time interval;
receiving, with at least one processor and in real-time, second data associated with the consumer from a user device associated with the consumer, wherein the second data comprises:
location data associated with a real-time location of the consumer during a time interval, wherein the location data comprises the real-time location of the user device associated with the consumer based on a global position system (GPS) sensor of the user device; and
the biometric data associated with the biometric measurement of the metabolic aspect of the consumer during the time interval;
determining, with at least one processor, that the location data associated with the location of the consumer during the time interval satisfies a threshold value of distance associated with a merchant location of the merchant;
providing, with at least one processor, the biometric data associated with the biometric measurement of the metabolic aspect of the consumer during the time interval as an input to the payment transaction classification model to generate an output, wherein the output comprises a prediction that the consumer is likely to conduct a payment transaction with the merchant based on the biometric data; and
processing, with at least one processor, a real-time payment transaction independent of an authorization input received from the consumer based on the output of the payment transaction classification model and based on determining that the location data associated with the real-time location of the consumer during the time interval satisfies the threshold value of distance associated with the merchant location of the merchant.