Natural-Language Scheduled Payments With Behavioral Authentication

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Existing digital payment processes are cumbersome, vulnerable to data theft, and lack user-friendly scheduling options, requiring users to navigate complex interfaces and often necessitate additional authentication steps like passwords or OTPs.

Innovation Solution

A system and method for scheduled payment transactions using natural language processing (NLP) to interpret voice or text commands, combined with a trained data model for automatic user authentication, capturing user authentication factors like typing dynamics, facial recognition, and location to facilitate secure and intuitive transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional authentication methods (passwords, OTPs) are used, then security is improved, but user convenience and transaction speed deteriorate

Engineering Contradiction:

Improveauthentication securityVSAvoiduser convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system performs automatic authentication by capturing user behavior patterns (typing dynamics, device handling, interaction sequences) and comparing them against stored profiles. This self-service approach eliminates the need for users to manually enter passwords or OTPs, thereby maintaining security while significantly improving convenience and reducing transaction steps

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The patent replaces traditional mechanical authentication systems (keyboards for passwords, SMS for OTPs) with behavioral biometric analysis. The system captures subtle user interactions with the device and interface, analyzing patterns such as typing rhythm, swipe gestures, and navigation sequences to authenticate users automatically, thus eliminating the need for manual authentication inputs

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If complex payment interfaces with multiple menu options are provided, then transaction control and security are improved, but user friendliness and ease of use deteriorate

Engineering Contradiction:

Improvetransaction controlVSAvoiduser friendliness

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system automatically analyzes user intent from natural language inputs and autonomously navigates the payment interface, selecting appropriate transaction options and completing authentication without requiring users to manually navigate through complex menus. This maintains transaction control through automated validation while dramatically simplifying the user experience

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The natural language processing system serves multiple functions simultaneously: it interprets user intent, extracts transaction parameters, validates payment details, and triggers authentication processes. This multi-functional approach allows a single simple input interface to control complex transaction workflows, eliminating the need for separate menu navigation steps

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Reliability

If scheduled transactions require traditional authentication processes, then security is maintained, but transaction efficiency and user experience deteriorate

Engineering Contradiction:

Improveauthentication securityVSAvoidtransaction efficiency

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The system performs preliminary authentication by continuously capturing and analyzing user behavioral patterns during device usage. When a scheduled transaction is initiated, the authentication is already partially completed based on pre-captured behavioral data, allowing the system to quickly validate the transaction without requiring additional authentication steps at the moment of execution

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The behavioral biometric capture operates continuously in the background during normal device usage, accumulating authentication data without interrupting user workflows. This continuous data collection ensures that when scheduled transactions need to be executed, the authentication process can proceed immediately using already-captured behavioral patterns, maintaining both security and efficiency

Inventive Principle:

Principle #20Continuity of useful action

Data Source

PatentUS12450577B2Methods and systems for performing secure transactions associated with instructions received in natural language form

Publication Date: 2025.10.21 MASTERCARD INT INC

AI summary

Embodiments provide methods and systems for facilitating scheduled payment transactions to users via an application provided by the server system, the application available on the user device. The method performed by the server system includes receiving a transaction request message from the user device, the transaction request message includes scheduled transaction instruction provided by the user in natural language format. The method includes authenticating the user based on a plurality of user authentication factors received from the user at pre-defined time intervals. In an embodiment, the server system is configured to train a data model using ML algorithms by learning the plurality of user authentication factors based on which the user is automatically authenticated by the server system. Upon successful authentication, the method includes parsing the transaction request message to determine a scheduled transaction instruction. The method includes facilitating, processing of the scheduled transaction based on the scheduled transaction instruction.