中科微点-全球专利检索

  1. Login
  2. Sign Up

Search Results

49 records (took 0.016 seconds)

    SYSTEMS AND METHODS FOR IDENTIFYING FRAUDULENT COMMON POINT OF PURCHASES
    31.
    发明申请
    SYSTEMS AND METHODS FOR IDENTIFYING FRAUDULENT COMMON POINT OF PURCHASES 审中-公开

    公开(公告)号：US20190188722A1

    公开(公告)日：2019-06-20

    申请号：US15843454

    申请日：2017-12-15

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Joshua A. Allbright ,  Christopher John Merz

    IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/36 ,  G06F17/30

    CPC classification number: G06Q20/4016 ,  G06F16/2282 ,  G06F16/951 ,  G06F16/955 ,  G06Q20/34 ,  G06Q20/36

    Abstract: A common point of purchase (CPP) system for identifying a common point of purchases involved in fraudulent or unauthorized payment transactions is provided. The CPP system includes a common point of purchase (CPP) computing device that is configured to receive transaction data, store the transaction data in a database, and perform a look up within the database. The CPP computing device is also configured to build a merchant table, receive a card list, and compare a plurality of flagged account identifiers in the card list to account identifiers in the merchant table. The CPP computing device is further configured to retrieve a unique merchant identifier and/or a merchant name identifier associated with the merchant table account identifiers matched with the flagged account identifiers, aggregate the unique merchant identifier using the merchant name identifier, and determine a first number of the flagged account identifiers associated with the merchant name identifier.

    Systems and Methods for Modeling Transaction Data Associated With Merchant Category Codes
    34.
    发明申请
    Systems and Methods for Modeling Transaction Data Associated With Merchant Category Codes 审中-公开

    公开(公告)号：US20180174170A1

    公开(公告)日：2018-06-21

    申请号：US15381675

    申请日：2016-12-16

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Walter F. Lo Faro ,  Joshua A. Allbright

    IPC: G06Q30/02 ,  G06Q10/06

    CPC classification number: G06Q30/0204 ,  G06Q10/067

    Abstract: Systems and methods are provided for modeling transaction data associated with merchant category codes (MCCs) assigned to merchants. An example method includes accessing a transaction data structure having transaction data for a plurality of merchants, and accessing a merchant data structure including multiple merchants and a category descriptor for each of the multiple merchants. The method also includes combining data in the transaction data structure and the merchant data structure based on a merchant identifier for a merchant common thereto, and assigning a label to the common merchant based on at least one category descriptor for the common merchant in the merchant data structure. Further, the method includes generating a model for a MCC assigned to the common merchant, based on transaction data for the common merchant and the assigned label, whereby the model can be used to verify assignment of the MCC to other merchants.

    Systems and methods for improved detection of network fraud events
    36.
    发明授权
    Systems and methods for improved detection of network fraud events 有权

    公开(公告)号：US12229781B2

    公开(公告)日：2025-02-18

    申请号：US17510203

    申请日：2021-10-25

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Joshua A. Allbright ,  Christopher John Merz

    IPC: G06Q20/40 ,  G06N20/00 ,  G06Q30/018

    Abstract: A method and system for detecting fraudulent network events in a payment card network are provided. A plurality of scored payment card transaction authorization requests is received, originating from a plurality of merchants, and data structures for each of a plurality of merchant groups are generated. Each data structure sorts the scored authorization requests into fraud score range stripes. The data structures are parsed over a plurality of time periods, and at least one cumulative metric is calculated for each merchant group for each of the time periods in each fraud score range stripe. A plurality of ratio striping values is determined for each merchant group, and a set of feature inputs is generated using the ratio striping values. A second fraud detection model is applied to the scored authorization requests. Parameters of the second fraud detection model are configured to change based on the generated set of feature inputs.

    SYSTEMS AND METHODS FOR IDENTIFYING FULL ACCOUNT NUMBERS FROM PARTIAL ACCOUNT NUMBERS
    37.
    发明公开
    SYSTEMS AND METHODS FOR IDENTIFYING FULL ACCOUNT NUMBERS FROM PARTIAL ACCOUNT NUMBERS 审中-公开

    公开(公告)号：US20240242274A1

    公开(公告)日：2024-07-18

    申请号：US18623893

    申请日：2024-04-01

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Christopher John Merz ,  Joshua A. Allbright ,  Melanie Gersten ,  Simon Hunt ,  Felix Johannes Flory

    IPC: G06Q40/02 ,  G06F16/901 ,  G06F17/18

    CPC classification number: G06Q40/02 ,  G06F16/9017 ,  G06F17/18

    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.

    Systems and methods for identifying full account numbers from partial account numbers
    38.
    发明授权
    Systems and methods for identifying full account numbers from partial account numbers 有权

    公开(公告)号：US11948189B2

    公开(公告)日：2024-04-02

    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 ,  G06F16/901 ,  G06F17/18

    CPC classification number: G06Q40/02 ,  G06F16/9017 ,  G06F17/18

    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.

    Entity identification based on a record pattern
    40.
    发明授权
    Entity identification based on a record pattern 有权

    公开(公告)号：US11562361B2

    公开(公告)日：2023-01-24

    申请号：US15847924

    申请日：2017-12-20

    Applicant: MasterCard International Incorporated

    Inventor： Christopher John Merz ,  Joshua A. Allbright ,  Adam Kenneth Hosp

    IPC: G06Q20/40 ,  G06Q40/00 ,  G06F16/35 ,  G06F16/2455

    Abstract: The methods described herein are configured to obtain a first record pattern associated with the unidentified entity and select a second record pattern associated with an entity identifier of a known entity. Based on the first record pattern matching the second record pattern, the entity identifier of the known entity is associated to the unidentified entity to indicate that the unidentified entity and the known entity are the same. Determining the entity identifier of the unidentified entity enables the linking of separate identifier systems of data structures to facilitate communication and/or interaction between the data structures.

Patent Agency Ranking