Abstract
A method (500) for multi-model consensus embedding based authorization in payment transactions includes receiving (505) an authorization request associated with a payment transaction, obtaining (510) a plurality of outputs from a plurality of models, determining (515) inter-model relationship characteristics among the plurality of outputs including agreement, disagreement, partial consensus, or decision divergence, generating (520) a multi-model consensus embedding comprising a vector representation of a joint inference state associated with the payment transaction, storing (525) the atomic transaction record in memory (135), determining (530) a transaction risk assessment during processing of a real-time transaction authorization requests based on the atomic transaction record of the multi-model consensus embedding and executing (535) the determined transaction authorization outcome without reconstructing the payment transaction from independently stored model outputs.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
KALA, DURGA S.; XU, JUN; NATIVI, BENJAMIN; and PANDE, OM, "METHOD AND SYSTEM FOR MULTI-MODEL CONSENSUS EMBEDDING BASED AUTHORIZATION IN PAYMENT TRANSACTIONS", Technical Disclosure Commons, (September 24, 2026)
https://www.tdcommons.org/dpubs_series/11852