公开(公告)号：US11328272B2

公开(公告)日：2022-05-10

申请号：US16853364

申请日：2020-04-20

Applicant: Mastercard International Incorporated

Inventor： Kyle Williams ,  David J. Senci

IPC: G06Q20/10 ,  G06Q20/24 ,  G06Q20/14 ,  G06Q20/40

Abstract: An auto-enrollment billing updater (AEBU) computing device for enrolling enrollees in an automatic updating program is provided. The AEBU computing device is configured to receive, from an acquirer computing device, an account update request for updated account data for a set of account identifiers including an input acquirer identifier and an input merchant identifier, perform a lookup within a transaction database using a combination of the input acquirer identifier and the input merchant identifier, wherein the transaction database includes transaction data involving a plurality of cardholders and a plurality of merchants, identify as a merchant enrollee the merchant included within the transaction database having a stored acquirer identifier and a stored merchant identifier combination that matches the input acquirer identifier and the input merchant identifier combination included in the request, and automatically enroll the merchant enrollee in the automatic updating program when the merchant enrollee is identified.

公开(公告)号：US20210312542A1

公开(公告)日：2021-10-07

申请号：US16838921

申请日：2020-04-02

Applicant: Mastercard International Incorporated

Inventor： Samy Shihab ,  Kyle Williams ,  David J. Senci

IPC: G06Q40/02 ,  G06F3/06 ,  G06Q20/42

Abstract: A computing system for validating repeating data is described. The computing system includes at least one computing device including at least one processor communicatively coupled to a database. The at least one processor is programmed to receive a first instance of data, the first instance of data including first repeating data elements, and store, in the database, the first repeating data elements. The at least one processor is also programmed to receive a second instance of data, the second instance of data including second repeating data elements, determine the second instance of data includes the second repeating data elements, and compare the second repeating data elements to the first repeating data elements. The at least one processor is further programmed to determine the second repeating data elements are inconsistent with the first repeating data elements and transmit a signal associated with the second repeating data elements.

公开(公告)号：US10825012B1

公开(公告)日：2020-11-03

申请号：US15680026

申请日：2017-08-17

Applicant: MasterCard International Incorporated

Inventor： David J. Senci ,  Kyle Williams ,  Johan Gerber

IPC: G06Q20/40 ,  G06Q40/02 ,  G06Q20/24 ,  G06N5/02 ,  G06N7/00

Abstract: A dispute scoring computing device for generating chargeback dispute scores is provided. The dispute scoring computing device extracts historical transaction data and account profile data for a plurality of transactions associated with an account, and generates a chargeback dispute prediction model for the account based on the extracted data. The dispute scoring computing device further receives a candidate chargeback for a transaction initiated with a merchant using the account, extracts transaction data from the candidate chargeback, and determines, using the generated chargeback dispute prediction model, a chargeback dispute score indicating a likelihood that the candidate chargeback, if disputed by the merchant, would result favorably for the merchant.

公开(公告)号：US20190188720A1

公开(公告)日：2019-06-20

申请号：US15843251

申请日：2017-12-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Kyle Williams ,  David J. Senci ,  Michelle L. Hafner

IPC: G06Q20/40

CPC classification number: G06Q20/4016 ,  G06F16/903 ,  G06Q20/409

Abstract: An authorization system for enhancing online authorization processes by centrally storing historical authorization data and analyzing the historical authorization data in real-time for a transaction is provided. The authorization system includes at least one authorization computing device. The authorization system is configured to collect historical transaction data associated with a user account, store the historical transaction data that includes historical authorization data, parse the historical transaction data, and extract the historical authorization data from the historical transaction data. The authorization system is also configured to compile the historical authorization data, build an authorization table using a stored user profile, and continuously update the authorization table using the historical authorization data. The authorization system is further configured to receive an authorization data request from a requestor, compare the authorization data request to the stored user profile, generate an authorization data response, and transmit the authorization data response to the requestor.

公开(公告)号：US10191961B2

公开(公告)日：2019-01-29

申请号：US15379048

申请日：2016-12-14

Applicant: MasterCard International Incorporated

Inventor： Kyle Williams ,  David J. Senci ,  Laurie Ann Nicoletti

IPC: G06F17/30 ,  H04L29/06 ,  G06F21/62

Abstract: A data synchronization (DS) computing device is described herein, the DS computing device configured to retrieve an update request from a queue, the update request including a key value and a requesting party identifier. The key value identifies at least one data record. The DS computing device is also configured to identify key lookup data associated with the update request, the key lookup data including one or more updated data record elements, and determine whether a release is needed from at least one stakeholder associated with the key value. The DS computing device is configured to transmit a release request to the stakeholder, when the release is needed. The DS computing device is further configured to receive a release response from the stakeholder, the release response indicating that the release has been authorized, and transmit an update response to the requesting party, the update response including the key lookup data.

公开(公告)号：US20180174210A1

公开(公告)日：2018-06-21

申请号：US15380594

申请日：2016-12-15

Applicant: MasterCard International Incorporated

Inventor： Kyle Williams ,  David J. Senci ,  Michelle L. Hafner

IPC: G06Q30/04 ,  G06Q30/00 ,  G06Q20/40

CPC classification number: G06Q30/04 ,  G06Q20/12 ,  G06Q20/206 ,  G06Q20/401 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q30/0185

Abstract: An enhanced automatic billing updater (ABU) computing device for detecting data inconsistencies thereby reducing fraudulent transactions or identifying data integrity issues is described. The ABU computing device is configured to store account data in an ABU account information database including a plurality of account identifiers of closed accounts, receive an authorization request message including a candidate account identifier, the authorization request message requesting authorization of a transaction, and compare the candidate account identifier with the plurality of account identifiers associated with closed accounts stored in the ABU account information database. The ABU computing device is further configured to identify an account identifier associated with a closed account stored in the ABU account information database matching the candidate account identifier, generate a notification message indicating that the candidate account is closed, and transmit the notification message to at least one party associated with the authorization request message.

公开(公告)号：US20170255956A1

公开(公告)日：2017-09-07

申请号：US15059016

申请日：2016-03-02

Applicant: MasterCard International Incorporated

Inventor： Todd Woodruff ,  David J. Senci

IPC: G06Q30/02 ,  G06Q20/40

CPC classification number: G06Q30/0214 ,  G06Q10/06 ,  G06Q10/0639 ,  G06Q10/06398 ,  G06Q10/10 ,  G06Q20/02 ,  G06Q20/3224 ,  G06Q20/401 ,  G06Q20/405 ,  G06Q30/0633 ,  G06Q30/0635 ,  G06Q30/0641 ,  G06Q50/01 ,  G06Q50/12

Abstract: A gratuity analyzing computing device and method are provided. The computing device may include a receiver to receive transaction data of a plurality of merchants, wherein the transaction data includes authorization transactions and clearing transactions, a calculator to match a plurality of authorization transactions with a plurality of clearing transactions, respectively, and calculate gratuity amounts for the plurality of matched transactions, an analyzer to select at least two merchants, generate tip data for each selected merchant, the tip data for a respective merchant being generated based on gratuity amounts of matched transactions that correspond to the respective merchant, and rank the at least two merchants based on a comparison of the generated tip data of the at least two merchants with respect to each other, and a transmitter configured to output the rank and the tip data of the at least two merchants to a user.

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.

公开(公告)号：US20230153833A1

公开(公告)日：2023-05-18

申请号：US18151405

申请日：2023-01-06

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Brett J. Thomson ,  Kyle Williams ,  David J. Senci

IPC: G06Q30/018 ,  G06Q40/02 ,  G06Q20/34 ,  G06Q20/40 ,  G08B13/22 ,  H04L9/40 ,  G06F16/23 ,  G06N20/00 ,  G06F16/22

CPC classification number: G06Q30/0185 ,  G06Q40/02 ,  G06Q20/34 ,  G06Q20/4016 ,  G08B13/22 ,  H04L63/1416 ,  G06F16/2379 ,  G06N20/00 ,  G06F16/22

Abstract: Computing systems and methods for detecting anomalous activity over a computer network are described herein. A computing system receives a real-time stream of electronic messages, each of the electronic messages including a first identifier, wherein a portion of the first identifier includes a second identifier. The computing system applies a detection model to the real-time stream of electronic messages, wherein the detection model is programmed to apply at least one machine learning algorithm trained to detect that a velocity of the electronic messages for a range of first identifiers having a common value second identifier exceeds a threshold. In response to the threshold being exceeded, a time period associated with anomalous activity is identified and an anomalous activity flag is appended to messages initiated during the time period associated with anomalous activity which include a first identifier having the common value in the second identifier.