US 11,741,469 B2
Systems and methods for automatically securing and validating multi-server electronic communications over a plurality of networks
Jason Kruse, Brooklyn, NY (US); Boling Jiang, Brooklyn, NY (US); and Andrew Roth, Scarsdale, NY (US)
Assigned to Lithic, Inc., New York, NY (US)
Filed by Lithic, Inc., New York, NY (US)
Filed on Mar. 14, 2022, as Appl. No. 17/694,503.
Application 17/226,881 is a division of application No. 15/261,368, filed on Sep. 9, 2016, granted, now 11,004,071, issued on May 11, 2021.
Application 17/694,503 is a continuation of application No. 17/226,881, filed on Apr. 9, 2021, granted, now 11,276,061.
Claims priority of provisional application 62/216,219, filed on Sep. 9, 2015.
Prior Publication US 2022/0207531 A1, Jun. 30, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); H04L 9/14 (2006.01); H04L 9/30 (2006.01); H04L 9/32 (2006.01); H04L 9/40 (2022.01)
CPC G06Q 20/401 (2013.01) [H04L 9/14 (2013.01); H04L 9/30 (2013.01); H04L 9/3247 (2013.01); H04L 63/0442 (2013.01); H04L 63/0407 (2013.01); H04L 63/06 (2013.01); H04L 2209/56 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising, by one or more computing devices:
receiving, at a privacy transaction server, from a privacy component on a user device, a first request for a privacy transaction card, the first request comprising a plurality of transaction metadata strings associated with a pending transaction between the user device and a first merchant server;
analyzing, using a machine learning model associated with the privacy transaction server, the transaction metadata strings in the first request to determine a risk assessment score for the first request, wherein the machine learning model is trained to determine a risk assessment score for a received request based on a plurality of second requests stored in a privacy transaction database associated with the privacy transaction server;
determining whether the risk assessment score for the first request exceeds a specified risk threshold associated with the pending transaction;
generating, responsive to determining that the risk assessment score for the first request is below the specified risk threshold, a privacy transaction card comprising a unique privacy payment card number associated with the user device and the first merchant server; and
transmitting, to the privacy component on the user device, the privacy transaction card.