公开(公告)号：US20170109831A1

公开(公告)日：2017-04-20

申请号：US14887512

申请日：2015-10-20

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ravi Santosh Arvapally ,  Peng Yang

IPC: G06Q40/00

CPC classification number: G06Q40/12

Abstract: Systems and methods are provided for verifying and/or confirming merchant data for multiple different transactions. One method generally includes accessing merchant data for a merchant where the merchant data includes a master merchant identifier for the merchant, and querying, by a computing device, multiple users as to which of a list of merchant data entries, for multiple different transactions and including different merchant identifiers, corresponds to the master merchant identifier for the merchant. The users are associated with a location within a predefined distance of the confirmed merchant and/or have performed one or more purchase transactions at the merchant. The method also generally includes receiving, at the computing device, a response from at least one of the users, in which the at least one of the users selects a data entry from the list, and determining whether to proceed in querying additional users.

公开(公告)号：US20240037633A1

公开(公告)日：2024-02-01

申请号：US18486923

申请日：2023-10-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Christopher John Merz ,  Walter F. Lo Faro ,  Peng Yang

IPC: G06Q30/0601 ,  G06Q30/0251 ,  G06Q30/0282 ,  G06F7/08

CPC classification number: G06Q30/0631 ,  G06Q30/0255 ,  G06Q30/0282 ,  G06F7/08 ,  G06Q30/0625

Abstract: A method and system for recommending a merchant are provided. The method includes receiving financial transaction data documenting financial transactions between a plurality of account holders and a plurality of merchants and generating a merchant correspondence matrix that includes the plurality of merchants and a plurality of indicators of interactions associated with pairs of the plurality of merchants. The plurality of indicators of interactions tallying financial transactions conducted by the plurality of account holders at both of the merchants in a pair of the plurality of merchants. The method further includes receiving a query for a recommendation of a merchant from an account holder and generating a ranked list of merchants based on a recommender algorithm. The recommender algorithm inferring user preferences from attributes of the plurality of merchants that were visited by the cardholder.

公开(公告)号：US11790431B2

公开(公告)日：2023-10-17

申请号：US17502839

申请日：2021-10-15

Applicant: Mastercard International Incorporated

Inventor： Christopher John Merz ,  Walter F. Lo Faro ,  Peng Yang

IPC: G06Q30/00 ,  G06Q30/0601 ,  G06Q30/0251 ,  G06Q30/0282 ,  G06F7/08

CPC classification number: G06Q30/0631 ,  G06F7/08 ,  G06Q30/0255 ,  G06Q30/0282 ,  G06Q30/0625

Abstract: A method and system for recommending a merchant are provided. The method includes receiving financial transaction data documenting financial transactions between a plurality of account holders and a plurality of merchants and generating a merchant correspondence matrix that includes the plurality of merchants and a plurality of indicators of interactions associated with pairs of the plurality of merchants. The plurality of indicators of interactions tallying financial transactions conducted by the plurality of account holders at both of the merchants in a pair of the plurality of merchants. The method further includes receiving a query for a recommendation of a merchant from an account holder and generating a ranked list of merchants based on a recommender algorithm. The recommender algorithm inferring user preferences from attributes of the plurality of merchants that were visited by the cardholder.

公开(公告)号：US20200184485A1

公开(公告)日：2020-06-11

申请号：US16793859

申请日：2020-02-18

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ravi Santosh Arvapally ,  Peng Yang ,  Walter F. Lo Faro ,  Kimberly S. Rodgers-Stewart

IPC: G06Q30/00

Abstract: Systems and methods are provided for processing messages from users, via interactive interfaces, requesting support relating to features of applications available to the users. In connection therewith, the systems and methods normalize and score the user messages, and use the scores, in combination with scores for historical messages or scores for crowdsourced messages, to identify appropriate response messages for transmittal to the users. In various aspects, the crowdsourced solutions can be voted by both users and domain experts, and also verified by the domain experts. If a solution is verified it will be flagged and it can be included into a reference solution database as a standard response. However, when the scores assigned to the messages do not produce suitable results, a request for additional information relating to the issue described by the user is transmitted via the interactive interface.

公开(公告)号：US10650391B2

公开(公告)日：2020-05-12

申请号：US15652533

申请日：2017-07-18

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Peng Yang ,  Ravi S. Arvapally ,  Wally F. Lo Faro ,  Kamalesh V. Rao

IPC: G06Q20/00 ,  G06Q30/02 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/32

Abstract: A system and a method that determine movement of one or more individuals or populations of individuals are provided. A residential zip code of an individual is determined. Long-term movements are identified. Short-term movements are identified. The long-term and short-term movements are classified. Anonymization removes personally identifying information of the individual. The short-term movements and long-term movements are aggregated by creating source-target zip code pairs. A population movement database is generated. The population movement database is accessible by a user device that has credentials allowing access.

公开(公告)号：US20190287184A1

公开(公告)日：2019-09-19

申请号：US16427737

申请日：2019-05-31

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ravi Santosh Arvapally ,  Peng Yang

IPC: G06Q40/00

Abstract: Systems and methods are provided for verifying and/or confirming merchant data for multiple different transactions. One method generally includes accessing merchant data for a merchant where the merchant data includes a master merchant identifier for the merchant, and querying, by a computing device, multiple users as to which of a list of merchant data entries, for multiple different transactions and including different merchant identifiers, corresponds to the master merchant identifier for the merchant. The users are associated with a location within a predefined distance of the confirmed merchant and/or have performed one or more purchase transactions at the merchant. The method also generally includes receiving, at the computing device, a response from at least one of the users, in which the at least one of the users selects a data entry from the list, and determining whether to proceed in querying additional users.

公开(公告)号：US10373162B2

公开(公告)日：2019-08-06

申请号：US15005829

申请日：2016-01-25

Applicant: MasterCard International Incorporated

Inventor： David J. Senci ,  Peng Yang

IPC: G06Q20/40 ,  H04L29/06

Abstract: Systems and methods for validating and adjusting local transaction times are provided. A host computing system includes a processor and a memory in communication with the processor. The host computing system receives a computer message comprising authorization data associated with a transaction, the authorization data including a location identifier and a local transaction time set by a remote computing device used in processing the transaction. The host computing system also appends a header including a header processor time to the computer message, determines a time zone associated with the local transaction time based on the location identifier, converts the header processor time to a local header processor time based on the time zone, and determines that the local transaction time is validated based on the local header processor time.

公开(公告)号：US10319042B2

公开(公告)日：2019-06-11

申请号：US14887512

申请日：2015-10-20

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ravi Santosh Arvapally ,  Peng Yang

IPC: G06Q40/00

Abstract: Systems and methods are provided for verifying and/or confirming merchant data for multiple different transactions. One method generally includes accessing merchant data for a merchant where the merchant data includes a master merchant identifier for the merchant, and querying, by a computing device, multiple users as to which of a list of merchant data entries, for multiple different transactions and including different merchant identifiers, corresponds to the master merchant identifier for the merchant. The users are associated with a location within a predefined distance of the confirmed merchant and/or have performed one or more purchase transactions at the merchant. The method also generally includes receiving, at the computing device, a response from at least one of the users, in which the at least one of the users selects a data entry from the list, and determining whether to proceed in querying additional users.

公开(公告)号：US20220036429A1

公开(公告)日：2022-02-03

申请号：US17502839

申请日：2021-10-15

Applicant: Mastercard International Incorporated

Inventor： Christopher John Merz ,  Walter F. Lo Faro ,  Peng Yang

IPC: G06Q30/06 ,  G06Q30/02 ,  G06F7/08

Abstract: A method and system for recommending a merchant are provided. The method includes receiving financial transaction data documenting financial transactions between a plurality of account holders and a plurality of merchants and generating a merchant correspondence matrix that includes the plurality of merchants and a plurality of indicators of interactions associated with pairs of the plurality of merchants. The plurality of indicators of interactions tallying financial transactions conducted by the plurality of account holders at both of the merchants in a pair of the plurality of merchants. The method further includes receiving a query for a recommendation of a merchant from an account holder and generating a ranked list of merchants based on a recommender algorithm. The recommender algorithm inferring user preferences from attributes of the plurality of merchants that were visited by the cardholder.

公开(公告)号：US20170053294A1

公开(公告)日：2017-02-23

申请号：US14829219

申请日：2015-08-18

Applicant: MasterCard International Incorporated

Inventor： Peng Yang ,  Wally Lo Faro ,  Ravi S. Arvapally ,  Chris J. Merz

IPC: G06Q30/02 ,  G06Q20/34 ,  G06F17/30

Abstract: A method of generating graph data components stored in a graph database is provided. The method is implemented using a graph component generator computing device in communication with a memory. The method comprises receiving transaction data from a relational database, wherein transaction data is derived from transactions, processed by a payment processor, between a first merchant of a plurality of merchants and a first cardholder of a plurality of cardholders, defining a graph including creating at least a first node representing at least the first merchant and a second node representing the first cardholder, identifying at least one relationship between at least two nodes including the first node and the second node in the graph based, at least in part, on transaction data common to the at least two nodes, and generating at least one edge between the at least two nodes, representing a new relationship between the at least two nodes.

Abstract translation: 提供了一种生成图形数据库中存储的图形数据组件的方法。 该方法使用与存储器通信的图形组件生成器计算设备来实现。 该方法包括从关系数据库接收交易数据，其中交易数据从交易处理，由支付处理器处理，在多个商户的第一商家和多个持卡人之间的第一持卡人之间，定义图形，包括在 至少第一节点至少代表第一商户和第二节点，代表第一持卡人，至少部分地基于交易数据来识别包括图中的第一节点和第二节点的至少两个节点之间的至少一个关系 所述至少两个节点共用，并且在所述至少两个节点之间生成表示所述至少两个节点之间的新关系的至少一个边缘。