公开(公告)号：US20160239847A1

公开(公告)日：2016-08-18

申请号：US14801413

申请日：2015-07-16

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

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

IPC: G06Q30/00

CPC classification number: G06Q30/016

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.

Abstract translation: 提供了系统和方法来处理来自用户的消息，经由交互界面，请求与用户可用的应用的特征有关的支持。 与此相关，系统和方法对用户消息进行归一化和评分，并将得分结合用于众包消息的历史消息或分数的分数，以识别用于传送给用户的适当响应消息。 在各方面，众包解决方案可由用户和域名专家投票，并由域专家进行验证。 如果解决方案被验证，它将被标记，并且可以作为标准响应被包括在参考解决方案数据库中。 然而，当分配给消息的分数不产生合适的结果时，通过交互界面来传送与由用户描述的问题有关的附加信息的请求。

公开(公告)号：US12288240B2

公开(公告)日：2025-04-29

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

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：US11727407B2

公开(公告)日：2023-08-15

申请号：US17151523

申请日：2021-01-18

Applicant: Mastercard International Incorporated

Inventor： Christopher John Merz ,  Joshua A. Allbright ,  Peng Yang

IPC: G06Q40/00 ,  G06Q20/40 ,  G06Q20/10

CPC classification number: G06Q20/4016 ,  G06Q20/10

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.

公开(公告)号：US10528958B2

公开(公告)日：2020-01-07

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 ,  G06Q20/12 ,  G06Q20/38 ,  G06Q20/40 ,  G06F16/901

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.

公开(公告)号：US20190130403A1

公开(公告)日：2019-05-02

申请号：US15794768

申请日：2017-10-26

Applicant: Mastercard International Incorporated

Inventor： Christopher John Merz ,  Joshua A. Allbright ,  Peng Yang

IPC: G06Q20/40 ,  G06Q20/10

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.

公开(公告)号：US20170213214A1

公开(公告)日：2017-07-27

申请号：US15005829

申请日：2016-01-25

Applicant: MasterCard International Incorporated

Inventor： David J. Senci ,  Peng Yang

IPC: G06Q20/40 ,  G06Q20/42 ,  G06Q20/20 ,  H04L29/06

CPC classification number: G06Q20/401 ,  H04L69/22 ,  H04L69/28

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：US20170178134A1

公开(公告)日：2017-06-22

申请号：US14973232

申请日：2015-12-17

Applicant: MasterCard International Incorporated

Inventor： David J. Senci ,  Michael J. Pope ,  Peng Yang

IPC: G06Q20/40

CPC classification number: G06Q20/407 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q40/02

Abstract: A chargeback processing computing device is provided. The chargeback processing computing device may include a chargeback prediction module configured to extract transaction information about a plurality of transactions authorized using an account, an account profile information module configured to extract account profile information, the account profile information comprising historical chargeback information about the plurality of transactions authorized using the account, a model generating module configured to generate a chargeback prediction model for the account based on the extracted transaction information and the account profile information, a receiver configured to receive a candidate transaction paid for using the account, wherein the chargeback prediction module is configured to extract transaction information from the candidate transaction, and a processor configured to generate a chargeback prediction score indicating a likelihood that the candidate transaction will result in a chargeback based on the extracted transaction clearing information and the generated chargeback prediction model.