Abstract
The present disclosure relates to the field of digital payment security, in particular to a system and method for mitigating bait-and-switch practices in recurring digital payment systems. The smart recurring payment auditor disclosed herein operates at a network layer of the payment infrastructure. The smart recurring payment auditor employs a multi-modal deep learning ensemble, advanced bitmapped feature encoding and temporal pattern synthesis to analyse recurring payment behaviour. Further, the smart recurring payment auditor integrates global merchant telemetry, user behavioural feedback, and descriptor intelligence to detect and score deceptive recurring billing schemes. Furthermore, upon identification of a suspicious pattern, the smart recurring payment auditor initiates user-centric, token-based payment control actions and generates intelligent user prompts, thereby protecting consumers from unintentional financial commitments, enhancing trust in digital payments, and supporting regulatory compliance.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
Shetty, Prajna and Roy, Alok, "SMART RECURRING PAYMENT AUDITOR FOR BAIT-AND-SWITCH MITIGATION", Technical Disclosure Commons, (January 11, 2026)
https://www.tdcommons.org/dpubs_series/9170