首页|Patent Issued for Card authentication technique selection via machine learning ( USPTO 12045817)
Patent Issued for Card authentication technique selection via machine learning ( USPTO 12045817)
扫码查看
点击上方二维码区域，可以放大扫码查看
原文链接
NETL
NSTL
Reporters obtained the following quote from the background information supplied by the inventors:“Before a financial payment card is accepted by an online fina ncial transaction platform or added to anonline financial transaction wallet, t he financial payment card must first be authenticated. In current practice,ther e exist two different techniques for authenticating financial payment cards, eac h having its ownadvantages and disadvantages: zero-dollar authentication and to kenization authentication. Zero-dollar authenticationis considered the gold sta ndard authentication technique, but it incurs a fixed cost for everyfinancial p ayment card that is attempted to be authenticated. In contrast, tokenization aut henticationhas no cost per financial payment card that is successfully authenti cated, but not every financial paymentcard can be successfully authenticated vi a tokenization, and time/resources are wasted by attempting toperform tokenizat ion authentication on such financial payment cards. Furthermore, for many financ ialpayment cards, both zero-dollar authentication and tokenization authenticati on achieve the same authenticationresult. That is, for such cards, both authent ication techniques yield successful authentications, orboth authentication tech niques yield unsuccessful authentications. However, for many other financial payment cards, zero-dollar authentication and tokenization authentication achieve d ifferent authenticationresults. That is, for such cards, one authentication tec hnique yields a successful authentication while theother authentication techniq ue yields an unsuccessful authentication. Unfortunately, there exist no systemsthat determine, for an online financial transaction platform or an online financ ial transaction wallet,which authentication technique to use for a given financ ial payment card to maximize the likelihood ofsuccessful authentication and/or to otherwise minimize the cost associated with authentication.
BusinessCyborgsEmerging TechnologiesFinanceInvestment and FinanceMachine LearningPayPal Inc.
NETL
NSTL
