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UTILIZING MACHINE LEARNING AND NETWORK ADDRESSES TO VALIDATE ONLINE TRANSACTIONS WITH TRANSACTION CARDS

Abstract:

A device may receive, from a payment processor server device, a transaction card number and a network address of a client device, wherein the transaction card number and the client device are associated with a customer attempting to conduct an online transaction with a merchant via a merchant server device. The device may process the transaction card number and the network address, with a machine learning model, to determine whether to approve or deny the online transaction. The device may selectively provide, to the client device and the merchant server device, data indicating that the online transaction is approved when the machine learning model determines to approve the online transaction, or provide, to the client device and the merchant server device, data indicating that the online transaction is denied when the machine learning model determines to deny the online transaction.