US Patent 11488178 Systems and methods for verifying digital payments

Embodiments of the disclosure provide systems and methods for verifying digital payments for a payment platform. The system includes a communication interface configured to receive service data associated with a transaction from a terminal device associated with a user of the payment platform. The system further includes at least one processor configured to automatically determine whether an authentication is waived for the transaction based on the received service data and a blacklist generated using a machine learning model. The blacklist includes a list of suspicious users and transaction behaviors. The at least one processor further configured to approve the transaction without requesting user authentication information from the terminal device when the authentication is waived. The at least one processor also configured to request the user authentication information from the terminal device and validate the user authentication information when the authentication is not waived.