公开(公告)号：US20230297826A1

公开(公告)日：2023-09-21

申请号：US17697724

申请日：2022-03-17

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Shiny John Shaju ,  Anil Kumar Surisetty ,  Alok Singh ,  Deepak Chaurasiya ,  Stephen Patrick Flinter ,  Quentin Bragard ,  Alvin Lee ,  I-Hsin Chuang

IPC: G06N3/08 ,  G06N7/00 ,  G06Q20/40

CPC classification number: G06N3/08 ,  G06N7/005 ,  G06Q20/405

Abstract: An aspect of the present disclosure is drawn to a method for managing a payment network, including: learning a transaction pattern of an account over time; generating a transfer function based on the transaction pattern; predicting information for the account based on the density function; changing a state of the account based on the predicted information; and automatically transmitting a notification of a feature to an owner of the account based on the changing of the state of the account, wherein the transfer function is a probability density function of a neural network and wherein the information includes a time of a future transaction linked to a correlated marker of the payment network.