公开(公告)号：US20250061304A1

公开(公告)日：2025-02-20

申请号：US18807667

申请日：2024-08-16

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Govind Vitthal WAGHMARE ,  Ankur ARORA ,  Pritam Kumar NATH ,  Siddhartha ASTHANA

IPC: G06N3/042

Abstract: Embodiments provide methods and systems for temporal graph representation learning based on node-level temporal point processes. Method performed by the server system includes accessing historical interaction data, generating temporal graph based on historical transaction data and predicting likelihoods of future interaction occurrences among entities based on a pre-trained TPP based graph neural network (GNN) model. Method includes determining edge embeddings of each node based on node features of each node and direct neighbor nodes of each node. Method includes generating edge-contextualized node embeddings of each node corresponding to the edge embeddings based on a neural network model and computing a likelihood of future interaction occurrences associated with the each node based on edge-contextualized node embeddings and a conditional intensity function. Method includes executing at least one of a plurality of graph context prediction tasks based on likelihoods of future interaction occurrences among entities.

公开(公告)号：US20250056226A1

公开(公告)日：2025-02-13

申请号：US18933458

申请日：2024-10-31

Applicant: Mastercard International Incorporated

Inventor： Fariborz Nadi ,  Timothy B. McBride ,  Akanksha Mehra ,  Victor Hom ,  Beth Marie Griffin

IPC: H04W12/06 ,  G06N20/00 ,  H04W12/63

Abstract: A computer-implemented method for authenticating an individual to one or more IoT devices. The method may include: receiving active behavioral data from the personal electronic device; retrieving an active behavioral profile corresponding to the individual; comparing the active behavioral data with the active behavioral profile; and authenticating the individual based at least in part on the comparison.

公开(公告)号：US20250054278A1

公开(公告)日：2025-02-13

申请号：US18799969

申请日：2024-08-09

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Alonso ARAUJO ,  Rahmana MUHAMMAD

IPC: G06V10/764 ,  G06Q30/0601 ,  G06T11/00

Abstract: Examples assist in renovating a room, including receiving a first image of a room, being a digital image prior to a planned renovation, inputting the first image and a renovation prompt to a generative machine-learning (ML) model, being configured to generate an renovated room image from the input image and an input prompt, receiving, from the generative ML model, a second image of the room, the second image being the renovated room image, inputting the second image to a second ML model, the second ML model being configured to identify objects that appear in an input image and output a list of objects, and transmitting the second image and the list of objects to a user computing device, the list of objects being displayed as a list of items to upgrade the room to appear as shown in the second image.

公开(公告)号：US20250053978A1

公开(公告)日：2025-02-13

申请号：US18710832

申请日：2022-10-24

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： James Christian NOE ,  Husham HAMDAN

IPC: G06Q20/40

Abstract: A computer-implemented method for constructing an index structure in a real-time payment network includes: receiving a first set of transaction information comprising data field entries relating to a user; creating a data record in the index structure for the user; inserting the data field entries in the first set of transaction information into the data record; receiving a second set of transaction information comprising data field entries; determining if the second set of transaction information is associated with the user, wherein at least one data field entry in the second set of transaction information is different to a corresponding data field entry in the first set of transaction information; and inserting the data field entries in the second set of transaction information into the data record if the second set of transaction information is determined to be associated with the user.

公开(公告)号：US20250053958A1

公开(公告)日：2025-02-13

申请号：US18366090

申请日：2023-08-07

Applicant: Mastercard International Incorporated

Inventor： Joseph J. Rieker ,  Steven J. Schmidt

IPC: G06Q20/34 ,  G06Q20/20

Abstract: A found card notification system receives an interchange electronic advice message from a point-of-sale (POS) terminal associated with a merchant. The interchange electronic advice message includes an indicator of a misplaced transaction card, a primary account number (PAN) of the misplaced transaction card, and a merchant identifier that identifies the merchant. The system extracts the PAN from the interchange electronic advice message and identifies an issuer of the misplaced transaction card from the extracted PAN. The found card notification system transmits the interchange electronic advice message to the issuer of the misplaced transaction card in response to identifying the issuer of the misplaced transaction card.

公开(公告)号：US12223506B2

公开(公告)日：2025-02-11

申请号：US18062702

申请日：2022-12-07

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sachin Kumar Singh ,  Sandeep Parvathareddy ,  Hemant Arora

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/42

Abstract: Embodiments provide methods and systems for analyzing device behavior data in multi-factor authentication (MFA) process. The method includes receiving, by a server system, a request in association with a payment transaction between a cardholder and a merchant. The request includes a cardholder identifier and information of a successful verification of a user input entered by the cardholder to perform MFA of the payment transaction. The method includes identifying user profile data stored in a database based on the cardholder identifier. The user profile data includes information of a plurality of registered user devices associated with the cardholder. The method includes performing device behavioral analysis of one or more user devices. The method includes generating an MFA token associated with the payment transaction based on the device behavioral analysis. The method includes transmitting the MFA token for authorizing the payment transaction to a payment server associated with a payment network.

公开(公告)号：US12223504B2

公开(公告)日：2025-02-11

申请号：US17469053

申请日：2021-09-08

Applicant: Mastercard International Incorporated

Inventor： Sachin Ahuja

IPC: G06Q20/40 ,  G06Q20/38

Abstract: Briefly, embodiments are directed to a system, method, and article for receiving an authorization request message for a remote commerce transaction with a particular merchant, where the authorization request message comprises a merchant universal payment identifier (MuPi). The MuPi may be extracted from the authorization request message. Validation information may be determined for the MuPi. A message may be transmitted to a payment network to enable authorization of the remote commerce transaction at least partially in response to the determination of the validation information.

公开(公告)号：US20250036498A1

公开(公告)日：2025-01-30

申请号：US18783612

申请日：2024-07-25

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Adegboyega Paul ADEYENUWO ,  Hemant Prakash BHANUSHALI ,  Samuel GEDALY ,  Jose RODRIGUEZ ,  Phaneendra Goutham BATTHALA

IPC: G06F11/00

Abstract: The disclosure relates to systems and methods for automated performance testing in a containerized environment. For example, a system may invoke one or more PTSs (PTSs) that each manage a respective type of performance test, such as a load test, a stress test, and a soak test. Each PTS may instantiate one or more dynamic clusters in a container to execute performance test scripts that execute operations to conduct the performance test. The PTS may estimate a testing capacity of each dynamic cluster so that the load during testing does not exceed those limits. The dynamic clusters may perform client-side load balancing that approximates real-world load profiles to more accurately simulate real-world loads based on user behaviors that would occur throughout a test session. The system may use logging and metrics from a diverse set of services that monitor target systems during the automated performance test.

公开(公告)号：US20250028730A1

公开(公告)日：2025-01-23

申请号：US18223507

申请日：2023-07-18

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Marcus Fluty ,  Nick Scholle ,  James David Lorenz

IPC: G06F16/25 ,  G06F16/23

Abstract: Systems and methods are provided for pointing associated with datasets. One example method comprises loading data to a first dataset and accessing, by one or more objects of a platform, data from the first dataset, via a connector including an intermediate dataset and extraction, transformation, and load (ETL) process or a dataset view of the platform, where each of the ETL process and the dataset view includes a first dataset pointer specific to the first dataset. The example method also includes, in response to an update requirement: loading data, which is consistent with the update, to a duplicate dataset, and after the duplicate dataset is complete, changing the first dataset pointer in the ETL of the intermediate dataset or the dataset view, to a second dataset pointer specific to the duplicate dataset.

公开(公告)号：US12205582B2

公开(公告)日：2025-01-21

申请号：US17496706

申请日：2021-10-07

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Christopher T. Scholl ,  Shawn Mehrhoff ,  James W. Barkhurst

IPC: G10L15/22

Abstract: A virtual caregiver (VC) computing device may be provided. The VC computing device may include at least one processor in communication with at least one memory device, at least one sensor, and a payment processing network. The at least one processor may be configured to receive task data, generate, based on the task data, a task including a task identifier, a fulfillment condition, and a time deadline, store the generated task in a task database, receive, from the at least one sensor, sensor data, retrieve, from the payment processing network, transaction data, compare at least one of the received sensor data and the retrieved transaction data to the fulfillment condition to determine that the fulfillment condition has occurred, and record, in the task database, the task as fulfilled based on the determination that the fulfillment condition has occurred.