CPC G06Q 20/4016 (2013.01) [G06F 16/24578 (2019.01); G06Q 20/40 (2013.01)] | 20 Claims |
1. A computer-implemented method comprising:
receiving, by a payment service computing platform, payment data associated with users of a payment service;
receiving, by the payment service computing platform, a search query from a payment application associated with the payment service and executing on a device of a user;
accessing, by the payment service computing platform, a portion of the payment data associated with the user;
determining, by the payment service computing platform, and using at least one machine-trained model to analyze the portion of the payment data, a user risk metric associated with the user,
generating, by the payment service computing platform, a personalized list of merchants based on the user risk metric; and
causing, by the payment service computing platform, a user interface of the payment application to present at least a portion of the personalized list of merchants as a search result to the search query.
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