Google Inc.

Ridhima Kedia

John P Kozura

Stavan Parikh

Brian Wesley Goldman

Animesh Chatterji

Paul Copenhaver

Mark Damien Walick

Heman Khanna

Daniel Jeng

Bogdan Brinzarea Iamandi

Jett Wilson Rink

Sarat Chandra Tummala

Hannia Zia

Mateusz Waldemar Mach

Computing systems and methods can use machine learning to improve the authorization of payments by payment systems. Specifically, contrary to existing payment authorization approaches which are static in nature, example aspects of the present disclosure are directed to machine learning systems which enable the dynamic and real-time optimization of one or more variable request parameters associated with a payment authorization request. Specifically, example computing systems described herein can employ one or more machine-learned models to assist in selection of a particular payment processor to which the authorization request is routed, optimization of one or more variable message parameters included in the authorization message (e.g., selection of values for a merchant identification, a merchandise category code, a transaction type, and/or other variable message parameters), and/or automatic generation and/or execution of an automated retry strategy that can be executed if a first authorization request is declined.

Payment authorization via machine learning

A methodfor authenticating operations within consent architecture includes obtaining an operation requestrequesting a service applicationto access a remote entityto perform an operation (). The method also includes issuing, by the service application, an authentication requestrequesting an authenticator applicationto obtain user authentication credentialsfor authenticating a userbefore the remote entity performs the operation. The method also includes encrypting, by the authenticator application, the obtained user authentication credentials using a public keyof the remote entity. The service application is restricted from obtaining the user authentication credentials in unencrypted form. The method also includes providing, by the authenticator application, the encrypted user authentication credentials to the service application and transmitting, by the service application, the operation request and the encrypted user authentication credentials to the remote entity.

Authenticator app for consent architecture

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Mountain View, CA, United States of America

Ridhima Kedia