US 12,450,577 B2
Methods and systems for performing secure transactions associated with instructions received in natural language form
Peeyush Bansal, New Delhi (IN); Avinash Kumar, Bokaro (IN); and Rishabh Mehra, Ghaziabad (IN)
Assigned to Mastercard International Incorporated, Purchase, NY (US)
Filed by Mastercard International Incorporated, Purchase, NY (US)
Filed on Sep. 28, 2023, as Appl. No. 18/476,914.
Application 18/476,914 is a division of application No. 17/236,057, filed on Apr. 21, 2021, granted, now 11,887,066.
Prior Publication US 2024/0020658 A1, Jan. 18, 2024
Int. Cl. G06F 21/32 (2013.01); G06F 21/34 (2013.01); G06F 40/205 (2020.01); G06N 20/00 (2019.01); G06Q 20/02 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 40/02 (2023.01)
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 20/3829 (2013.01); G06Q 20/386 (2020.05); G06Q 20/40145 (2013.01); G06Q 20/4015 (2020.05); G06Q 40/02 (2013.01); G06Q 2220/00 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
receiving, by a payment application executing on a user device, a voice or text input from a user;
while the user is providing the voice or text input via the payment application, automatically capturing, by the payment application, one or more real-time user authentication factors, the real-time user authentication factors comprising the following: user voice dynamics, a GPS location of the user device, 3D facial photographs of the user, and user typing dynamics;
invoking, by the payment application, an application programing interface (API) exposed by a trained data model residing on a server system hosting the payment application;
extracting, by the payment application, payment transaction information from the voice or text input provided by the user utilizing the trained data model;
generating, via the payment application, an encryption key based on the real-time user authentication factors automatically captured by the payment application;
generating, by the payment application, an encrypted transaction request message by encrypting, with the encryption key, the captured real-time user authentication factors and the extracted payment transaction information;
transmitting, by the payment application, the encrypted transaction request message to the server system;
receiving, by the server system, the encrypted transaction request message from the payment application;
generating, by the trained data model, an authentication key based on a plurality of authentication templates stored on the server system;
decrypting, by the server system, the encrypted transaction request message using the authentication key;
matching, by the server system, the real-time user authentication factors with the plurality of authentication templates;
in response to a successful match, authenticating, by the server system, the user;
generating, by the server system, a payment processing request; and
transmitting, by the server system, the payment processing request to a payment server.