公开(公告)号：US11593847B2

公开(公告)日：2023-02-28

申请号：US16688847

申请日：2019-11-19

Applicant: Visa International Service Association

Inventor： Yan Zheng ,  Yuwei Wang ,  Wei Zhang ,  Michael Yeh ,  Liang Wang

IPC: G06Q30/00 ,  G06Q30/0282 ,  G06Q30/0201

Abstract: A computer-implemented method for providing merchant recommendations comprises receiving, by a processor, raw merchant embeddings and raw user embeddings generated from payment transaction records, wherein the raw merchant embeddings include a plurality of embedded features. A generative adversarial network (GAN) performs a disentanglement process on the raw merchant embeddings to remove an effect of an identified feature by generating modified merchant embeddings that are free of the identified feature and are aligned with other ones of the plurality of features. A list of merchant rankings is automatically generates based on the modified merchant embeddings, past preferences of a target user using the raw merchant embeddings, and a current location in which the merchant recommendations should be made. A list of merchant rankings is then provided to the target user.

公开(公告)号：US20250111213A1

公开(公告)日：2025-04-03

申请号：US18844254

申请日：2023-05-01

Applicant: Visa International Service Association

Inventor： Huiyuan Chen ,  Xiaoting Li ,  Michael Yeh ,  Yan Zheng ,  Hao Yang

IPC: G06N3/0495 ,  G06N3/084

Abstract: Systems, methods, and computer program products are provided for saving memory during training of knowledge graph neural networks. The method includes receiving a training dataset including a first set of knowledge graph embeddings associated with a plurality of entities for a first layer of a knowledge graph, inputting the training dataset into a knowledge graph neural network to generate at least one further set of knowledge graph embeddings associated with the plurality of entities for at least one further layer of the knowledge graph, quantizing the at least one further set of knowledge graph embeddings to provide at least one set of quantized knowledge graph embeddings, storing the at least one set of quantized knowledge graph embeddings in a memory, and dequantizing the at least one set of quantized knowledge graph embeddings to provide at least one set of dequantized knowledge graph embeddings.

公开(公告)号：US20240428072A1

公开(公告)日：2024-12-26

申请号：US18823865

申请日：2024-09-04

Applicant: Visa International Service Association

Inventor： Zhongfang Zhuang ,  Michael Yeh ,  Liang Wang ,  Wei Zhang ,  Junpeng Wang

IPC: G06N3/08 ,  G06N3/044 ,  G06N3/045

Abstract: Described are a system, method, and computer program product for multivariate event prediction using multi-stream recurrent neural networks. The method includes receiving event data from a sample time period and generating feature vectors for each subperiod of each day. The method also includes providing the feature vectors as inputs to a set of first recurrent neural network (RNN) models and generating first outputs for each RNN node. The method further includes merging the first outputs for each same subperiod to form aggregated time-series layers. The method further includes providing the aggregated time-series layers as an input to a second RNN model and generating final outputs for each RNN node of the second RNN model.

公开(公告)号：US12175504B2

公开(公告)日：2024-12-24

申请号：US18085034

申请日：2022-12-20

Applicant: Visa International Service Association

Inventor： Yan Zheng ,  Yuwei Wang ,  Wei Zhang ,  Michael Yeh ,  Liang Wang

IPC: G06Q30/00 ,  G06Q30/0201 ,  G06Q30/0282

Abstract: Embodiments for training a recommendation system to provide merchant recommendations comprise receiving, by a processor, raw merchant embeddings and raw user embeddings generated from payment transaction records, wherein the raw merchant embeddings include a plurality of embedded features. A generative adversarial network (GAN) is trained to generate modified merchant embeddings from the raw merchant embeddings, where the modified embeddings remove a location feature. Subsequent to training and responsive to receiving a request for merchant recommendations in the target location for the target user, the GAN and a trained preference model are used to generate a list of merchant rankings based on a new set of modified merchant embeddings, past preferences of a target user, and the target location to recommend merchants in the target location.

公开(公告)号：US20240378414A1

公开(公告)日：2024-11-14

申请号：US18692625

申请日：2022-09-20

Applicant: Visa International Service Association

Inventor： Michael Yeh ,  Yan Zheng ,  Huiyuan Chen ,  Zhongfang Zhuang ,  Junpeng Wang ,  Liang Wang ,  Wei Zhang ,  Mengting Gu ,  Javid Ebrahimi

IPC: G06N3/042

Abstract: A method performed by a server computer is disclosed. The method comprises generating a binary compositional code matrix from an input matrix. The binary compositional code matrix is then converted into an integer code matrix. Each row of the integer code matrix is input into a decoder, including plurality of codebooks, to output a summed vector for each row. The method then includes inputting a derivative of each summed vector into a downstream machine learning model to output a prediction.

公开(公告)号：US20240177071A1

公开(公告)日：2024-05-30

申请号：US18281663

申请日：2022-03-30

Applicant: Visa International Service Association

Inventor： Junpeng Wang ,  Liang Wang ,  Yan Zheng ,  Michael Yeh ,  Shubham Jain ,  Wei Zhang ,  Zhongfang Zhuang ,  Hao Yang

IPC: G06N20/20 ,  G06F18/2415

CPC classification number: G06N20/20 ,  G06F18/2415

Abstract: Systems, methods, and computer program products may compare machine learning models by identifying data instances with disagreed predictions and learning from the disagreement. Based on a model interpretation technique, differences between the compared machine learning models may be interpreted. Multiple metrics to prioritize meta-features from different perspectives may also be provided.

公开(公告)号：US20230308464A1

公开(公告)日：2023-09-28

申请号：US18202405

申请日：2023-05-26

Applicant: Visa International Service Association

Inventor： Bo Dong ,  Yuhang Wu ,  Yu-San Lin ,  Michael Yeh ,  Hao Yang

IPC: H04L9/40

CPC classification number: H04L63/1425 ,  H04L63/1416 ,  H04L63/1475

Abstract: Disclosed are a system, method, and computer program product for user network activity anomaly detection. The method includes generating a multilayer graph from network resource data, and generating an adjacency matrix associated with each layer of the multilayer graph to produce a plurality of adjacency matrices. The method further includes assigning a weight to each adjacency matrix to produce a plurality of weights, and generating a merged single layer graph by merging the plurality of layers based on a weighted sum of the plurality of adjacency matrices using the plurality of weights. The method further includes generating a set of anomaly scores by generating, for each node in the merged single layer graph, an anomaly score. The method further includes determining a set of anomalous users based on the set of anomaly scores, detecting fraudulent network activity based on the set of anomalous users, and executing a fraud mitigation process.

公开(公告)号：US20210224648A1

公开(公告)日：2021-07-22

申请号：US17148984

申请日：2021-01-14

Applicant: Visa International Service Association

Inventor： Zhongfang Zhuang ,  Michael Yeh ,  Liang Wang ,  Wei Zhang ,  Junpeng Wang

IPC: G06N3/08 ,  G06N3/04

Abstract: Described are a system, method, and computer program product for multivariate event prediction using multi-stream recurrent neural networks. The method includes receiving event data from a sample time period and generating feature vectors for each subperiod of each day. The method also includes providing the feature vectors as inputs to a set of first recurrent neural network (RNN) models and generating first outputs for each RNN node. The method further includes merging the first outputs for each same subperiod to form aggregated time-series layers. The method further includes providing the aggregated time-series layers as an input to a second RNN model and generating final outputs for each RNN node of the second RNN model.

公开(公告)号：US20210109951A1

公开(公告)日：2021-04-15

申请号：US17066852

申请日：2020-10-09

Applicant: Visa International Service Association

Inventor： Michael Yeh ,  Liang Gou ,  Wei Zhang ,  Dhruv Gelda ,  Zhongfang Zhuang ,  Yan Zheng

IPC: G06F16/28 ,  G06F16/23 ,  G06N3/08

Abstract: Provided are systems for analyzing a relational database using embedding learning that may include at least one processor programmed or configured to generate one or more entity-relation matrices from a relational database and perform, for each entity-relation matrix of the one or more entity-relation matrices, an embedding learning process on an embedding associated with an entity. When performing the embedding learning process on the embedding associated with the entity, the at least one processor is programmed or configured to generate an updated embedding associated with the entity. Computer implemented methods and computer-program products are also provided.

公开(公告)号：US20250111011A1

公开(公告)日：2025-04-03

申请号：US18374799

申请日：2023-09-29

Applicant: Visa International Service Association

Inventor： Junpeng Wang ,  Minghua Xu ,  Shubham Jain ,  Yan Zheng ,  Michael Yeh ,  Liang Wang ,  Wei Zhang

IPC: G06F17/18

Abstract: Methods, systems, and computer program products are provided for coordinated analysis of output scores and input features of machine learning models in different environments. An example method includes receiving a plurality of first data records and a plurality of second data records. A first plot is generated based on a first score generated by a machine learning model for each first data record and a second score generated by the machine learning model for each second data record. The first plot is displayed. A plurality of second plots associated with at least a subset of the plurality of features are generated. Each respective second plot is generated based on a respective first field associated with a respective feature from the first data records and a respective second field associated with the respective feature from the second data records. The second plots are displayed.