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公开(公告)号：US20170169500A1
公开(公告)日：2017-06-15
申请号：US15374751
申请日：2016-12-09
Applicant: Mastercard International Incorporated
Inventor： Christopher John Merz , Walter F. Lo Faro , Peng Yang
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.
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22.发明公开公开(公告)号：US20240303650A1
公开(公告)日：2024-09-12
申请号：US18179094
申请日：2023-03-06
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Chengxi Li , Christopher John Merz , Felix Johannes Flory
CPC classification number: G06Q20/401 , G06F30/20 , G06Q20/407
Abstract: A computer system for multi-stage residual modeling for authorizing an online user is provided. The computer system is programmed to store a plurality of models for analyzing transactions including a first model and a second model; receive a plurality of authorization data associated with a user and a transaction associated with the user; execute in real-time the first model using the plurality of authorization data to receive a first output for the first model, wherein the first output is within an output range; determine a remainder from the first model based on the first output and the output range; execute the second model using the plurality of authorization data and the remainder to generate a second output; combine the first output and the second output to generate a final output; and return the final output for decisioning on whether to authorize the transaction.
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公开(公告)号：US11830007B2
公开(公告)日：2023-11-28
申请号：US18061813
申请日：2022-12-05
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
CPC classification number: G06Q20/4016 , G06Q20/4093 , H04L63/10
Abstract: A method and system for detecting fraudulent network events in a payment card network by incorporating breach velocities into fraud scoring models are provided. A potential compromise event is detected, and payment cards that transacted at a compromised entity associated with the potential compromise event are identified. Subsequent transaction activity for the payment cards is reviewed, and a data structure for the payment cards are generated. The data structure sorts subsequent transaction activity into fraud score range stripes. The data structure is parsed over a plurality of time periods, and at least one cumulative metric is calculated for each of the time periods in each fraud score range stripe. A plurality of ratio striping values are determined, and a set of feature inputs is generated using the ratio striping values. The feature inputs are applied to a scoring model used to score future real-time transactions initiated using the payment cards.
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公开(公告)号：US20230351400A1
公开(公告)日：2023-11-02
申请号：US18349699
申请日：2023-07-10
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Joshua A. Allbright , Christopher John Merz
IPC: G06Q20/40 , G06Q30/018 , G06N20/00
CPC classification number: G06Q20/4016 , G06Q30/0185 , G06N20/00
Abstract: A computing system for detecting a pattern of fraudulent network events in a payment card network is configured to continuously receive a plurality of scored transaction authorization requests each including a respective account number and a respective fraud score. The computing system is also configured to sort the scored transaction authorization requests into account ranges based the account number, and sort the transaction authorization requests within each of the account ranges into a fraud score range stripes based on the corresponding fraud score. The computing system is further configured to calculate, for the scored transaction authorization requests within each fraud score range stripe, a ratio of a cumulative metric for a shorter time period over a longer time period, and detect, in near real-time, a fraud event associated with one of the account ranges based on the ratio for one of the fraud score range stripes within the account range.
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公开(公告)号：US20230206317A9
公开(公告)日：2023-06-29
申请号：US17138437
申请日：2020-12-30
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher John Merz , Joshua A. Allbright , Melanie Gersten , Simon Hunt , Felix Johannes Flory
IPC: G06Q40/02 , G06F17/18 , G06F16/901
CPC classification number: G06Q40/02 , G06F17/18 , G06F16/9017
Abstract: A system for identifying complete account identifiers from partial account identifiers is provided. The system includes an account identification computing device including at least one processor and a memory device in communication with the at least one processor. The processor is configured to receive transaction data including unique merchant identifiers, build a merchant table using the transaction data, and receive a list including partial account identifiers. The processor is further configured to determine, for each unique merchant identifier, a number of candidate account identifiers and calculate at least one metric based on the number of candidate account identifiers. The processor is further configured to identify a source unique merchant identifier and match at least one candidate account identifier to a complete account identifier by matching one of the partial account identifiers to the at least one candidate account identifier.
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Patent Agency Ranking
公开(公告)号：US20220405760A1
公开(公告)日：2022-12-22
申请号：US17893025
申请日：2022-08-22
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher John Merz , Johan Gerber , Douglas Van Horn , Mark B. Wiesman
Abstract: A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (AE) computer device in communication with a memory. The method includes receiving authentication data associated with a candidate payment transaction being conducted by a cardholder via a website associated with a merchant from the merchant, storing the authentication data, receiving an authorization request message for the candidate payment transaction from a payment processor, retrieving the authentication data for the candidate payment transaction based on the authorization request message, and calculating an assurance level score based on the authentication data and the authorization request message. The assurance level score represents a level of confidence that the candidate payment transaction is not fraudulent. The method also includes transmitting the authorization request message including the assurance level score to an issuer processor.
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公开(公告)号：US20210142330A1
公开(公告)日：2021-05-13
申请号：US17151523
申请日：2021-01-18
Applicant: Mastercard International Incorporated
Inventor： Christopher John Merz , Joshua A. Allbright , Peng Yang
Abstract: An inverse recommender system for detecting out-of-pattern payment transactions includes a memory device and a processor programmed to receive transaction data. The transaction data corresponds to historical payment transactions between account holders and merchants. The processor is programmed to generate a merchant correspondence matrix including the merchants and counters indicating the number of historical payment transactions between merchant pairs of the merchants and the account holders. The processor is programmed to store the merchant correspondence matrix in a memory device linking the merchant pairs to each account holder. The processor receives additional transaction data associated with a new payment transaction between an account holder and a merchant, and to generate an inverse recommender score for the new payment transaction based on the account holder's historical payment transaction data. The account holder's historical payment transaction data includes historical payment transaction data associated with the merchants visited by the account holder.
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公开(公告)号：US10776589B2
公开(公告)日：2020-09-15
申请号：US15844374
申请日：2017-12-15
Applicant: Mastercard International Incorporated
Inventor： Christopher John Merz , Matthew Scott Morice , Ravi Santosh Arvapally
Abstract: A system and computer-implemented method for analyzing chip card transactions to identify defective chip cards and/or defective chip readers in need of replacement. Constraints are established to define a subset of card transactions. From a full set of card transactions the subset is identified consisting of each card transaction falling within the constraints and occurring at a merchant having a chip reader. From this subset the unique chip readers are identified, and for each unique chip reader a percentage of fallback transactions is calculated. The percentage of fallback transactions is compared to a maximum value, and if the percentage of fallback transactions exceeds the maximum value, the chip reader is identified as defective. Each defective chip reader is reported to the merchant, along with at least a recommendation to replace the defective chip reader. A similar process may be used to identify defective chip cards.
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公开(公告)号：US20200211021A1
公开(公告)日：2020-07-02
申请号：US16235327
申请日：2018-12-28
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Joshua A. Allbright , Christopher John Merz
Abstract: A computing system for detecting fraudulent payment card network events includes a ratio striping engine that receives scored payment card transaction authorization requests and generates data structures for a plurality of account ranges. Each data structure sorts the transaction authorization requests within the associated account range over a plurality of fraud score range stripes. The data structures are parsed over time periods that extend back from a common starting point. For each data structure and time period, at least one cumulative metric is calculated from the transaction authorization requests in each fraud score range stripe. For each data structure, ratio striping values are determined between values of the at least one metric in a fraud score range stripe over two of the time periods. A fraud event associated with at least one of the account ranges is detected based on the ratio striping values for the corresponding data structure.
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公开(公告)号：US10592963B2
公开(公告)日：2020-03-17
申请号：US15222533
申请日：2016-07-28
Applicant: MasterCard International Incorporated
Inventor： Christopher John Merz , Derek Humphreys , Oran Cummins , Andrea Rizzini , Stephen Elder , Stephen Toner
IPC: G06Q30/00 , G06Q30/06 , G06F16/2458 , G06F16/2457 , G06Q30/02 , G06Q10/08
Abstract: An enhanced smart refrigerator (ESR) for automatically populating a virtual shopping cart is provided. The ESR stores a purchase log including a purchase history of a target product. The ESR determines a current interval between a most recent delivery date and a proposed next delivery date based on the purchase history of the target product, and calculates a purchase propensity for the target product based on the current interval and the purchase history of the target product, and automatically adds the product to the virtual shopping cart for submission to a party for purchase of the target product if the purchase propensity meets a first criteria.
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