Paypal, Inc.

Sabarirajan Jeeva

Ranjit Valasa

Manickkam Pandian

Souradeep Sen

Suchita Shridhar Shirke

Abdul Usman Wohied

There are provided systems and methods for a machine learning-based network trained to perform risk assessment through device data. A service provider server receives device data of a user device associated with a merchant account registered with a merchant server for a merchant service, and receives, from the merchant server, a request containing a unique token identifier for initiating a risk assessment operation to generate a device assessment score for the user device, where the device assessment score indicates a level of risk between the user device and the merchant account. The service provider server selects a risk assessment engine to perform the risk assessment operation and generates the device assessment score and a narrative for the device assessment score, and sends, to the merchant server through an application programming interface, a message containing a unique device identifier for the user device, the device assessment score and the narrative.

Risk assessment through device data using machine learning-based network

A user can select one or more friendly funding sources to make a payment. The friendly funding sources are pre-approved by a 'friend' of the user and have restrictions for use. When the user desires to make a payment, the user sees one or more friendly funding sources and can choose any combination of friendly funding sources and conventional funding sources for making the payment.

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Tamil Nadu, India

Sabarirajan Jeeva