Mastercard Incorporated
ARTIFICIAL INTELLIGENCE BASED METHODS AND SYSTEMS FOR FACILITATING PAYMENT AUTHORIZATIONS IN AUTONOMOUS VEHICLES

Abstract:

Embodiments provide electronic methods and systems for facilitating payment authorization for payment transactions initiated from an on-board device of an autonomous vehicle. The method performed by a server system includes receiving payment transaction request initiated from on-board device positioned in autonomous vehicle. The method further includes accessing authentication parameters received from on-board device, wherein authentication parameters include multisensory data captured using sensors positioned in autonomous vehicle, and generating authentication features based on authentication parameters and neural network models. The neural network models are trained based on historical multisensory data of one or more autonomous vehicles. The method includes determining one or more authentication scores associated with the payment transaction request based on the authentication features and transmitting the one or more authentication scores along with the payment transaction request to an issuer associated with the user for authorization.