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公开(公告)号：US11410178B2
公开(公告)日：2022-08-09
申请号：US16837851
申请日：2020-04-01
Applicant: Mastercard International Incorporated
Inventor： Joshua A. Allbright
Abstract: A message tracking computing device for identifying anomalous activity in real-time is provided. The message tracking computing device includes a memory in communication with a processor. The processor is programmed to receive a transaction dataset including a plurality of transaction records, each transaction record associated with a payment transaction. The processor is further programmed to compute, for a subset of transaction records of the plurality of transaction records, a normalized velocity score by computing a streaming mean, computing a streaming standard deviation, and computing the normalized velocity score based on the streaming mean, the streaming standard deviation, and a transaction ratio. The processor is further programmed to analyze the at least one computed normalized velocity score to detect anomalous activity, automatically generate an alert message identifying the anomalous activity, and transmit the alert message to a remote computing device.
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公开(公告)号：US20220207601A1
公开(公告)日：2022-06-30
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
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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公开(公告)号：US11157913B2
公开(公告)日：2021-10-26
申请号：US16235074
申请日：2018-12-28
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Joshua A. Allbright , Christopher John Merz
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 are 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.
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公开(公告)号：US20210312452A1
公开(公告)日：2021-10-07
申请号：US16837838
申请日：2020-04-01
Applicant: Mastercard International Incorporated
Inventor： Joshua A. Allbright
Abstract: A message tracking computing device for identifying anomalous activity in real-time is provided. The message tracking computing device is programmed to receive real-time transaction data including a plurality of transaction records. Each transaction record associated with a payment transaction. The message tracking computing device is also programmed to sort the plurality of transaction records into a plurality of channels. The message tracking computing device is further programmed to compute, for each channel, a normalized velocity score by computing a streaming mean, computing a streaming standard deviation, and computing the normalized velocity score based on the streaming mean, the streaming standard deviation, and a transaction ratio. In addition, the message tracking computing device is programmed to analyze the computed normalized velocity score for each channel to detect anomalous activity, automatically generate an alert message identifying the anomalous activity, and transmit the alert message to a remote computing device.
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Patent Agency Ranking
公开(公告)号：US20210279732A1
公开(公告)日：2021-09-09
申请号：US17328832
申请日：2021-05-24
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Joshua A. Allbright , Christopher John Merz
IPC: G06Q20/40 , G06Q20/34 , G06Q20/36 , G06F16/951 , G06F16/955 , G06F16/22 , G06F16/903
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.
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公开(公告)号：US20210182860A1
公开(公告)日：2021-06-17
申请号：US17188823
申请日：2021-03-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Joshua A. Allbright , Christopher John Merz
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：US11017403B2
公开(公告)日：2021-05-25
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 , G06F16/951 , G06F16/955 , G06F16/22 , G06F16/903
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.
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公开(公告)号：US10776789B2
公开(公告)日：2020-09-15
申请号：US15813501
申请日：2017-11-15
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Joshua A. Allbright , Christopher John Merz
Abstract: An analytics computing system for analyzing payment transaction data to identify merchants having a recurring payment program is provided. The analytics computing system is configured to receive first payment transaction data for a plurality of transactions associated with a merchant, generate an actual transaction amount distribution, compare the actual transaction amount distribution to a stored model distribution, compare an angle distance to a predefined threshold value, and identify whether the merchant is a merchant performing recurring payment transactions. The analytics computing system is also configured to store that the merchant is a recurring payment merchant and alert an analyst that the merchant is a recurring payment merchant by transmitting an alert message to a user computing device in communication with the analytics computing device.
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公开(公告)号：US10346376B2
公开(公告)日：2019-07-09
申请号：US15341636
申请日：2016-11-02
Applicant: MasterCard International Incorporated
Inventor： Srinivas Kosaraju , Hima Bindu Nagisetty , Jeffery David Hiatt , Joshua A. Allbright
IPC: G06F16/21 , G06F16/2453
Abstract: A database management (DM) computing device for reducing an amount of data stored within an enhanced database while ensuring that data remaining within the enhanced database is able to satisfy a plurality of user queries is described. The DM computing device is in communication with the enhanced database and a secondary storage database. The DM computing device is configured to receive a log data file identifying a number of times each data field in the enhanced database has been queried, rank the data fields based on the number of times each data field has been queried, and identify least-queried data fields from the ranked data fields, wherein the least-queried data fields are defined by rules in a memory. The DM computing device is also configured to store in the secondary storage database the least-queried data fields from the enhanced database, and remove from the enhanced database the least-queried data fields.
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