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公开(公告)号：US20220036429A1
公开(公告)日：2022-02-03
申请号：US17502839
申请日：2021-10-15
Applicant: Mastercard International Incorporated
Inventor： Christopher John Merz , Walter F. Lo Faro , Peng Yang
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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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：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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Patent Agency Ranking
公开(公告)号：US20210012345A9
公开(公告)日：2021-01-14
申请号：US16422680
申请日：2019-05-24
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Janet Smith , John D. Chisholm , Johan Gerber , Clara Salazar , Matthew Wickman , Susan Meyer , Rachael Vahle Cordero , Christopher John Merz
Abstract: A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.
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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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68.发明授权公开(公告)号：US10671818B2
公开(公告)日：2020-06-02
申请号：US15844320
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 cards are identified, and for each unique chip card 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 card is identified as defective. Each defective chip card is reported to the card issuer, along with at least a recommendation to replace the defective chip card. A similar process may be used to identify defective chip readers of particular merchants.
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公开(公告)号：US20190279216A1
公开(公告)日：2019-09-12
申请号：US16422680
申请日：2019-05-24
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Janet Smith , John D. Chisholm , Johan Gerber , Clara Salazar , Matthew Wickman , Susan Meyer , Rachael Vahle Cordero , Christopher John Merz
Abstract: A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.
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70.发明申请公开(公告)号：US20190188423A1
公开(公告)日：2019-06-20
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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