公开(公告)号：US10719539B2

公开(公告)日：2020-07-21

申请号：US15614776

申请日：2017-06-06

Applicant: Mastercard International Incorporated

Inventor： Andrew J. Smith ,  Saravana Perumal Shanmugam ,  Adam Kenneth Hosp ,  Ted P. Sanders, Jr. ,  Michael K. Forbis ,  Sarala Buradagunta

IPC: G06F16/332 ,  G06Q10/06 ,  G06F16/435 ,  G06Q30/00

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system process data from multiple data sources including information generated by the business and analyze the data to provide actionable suggestions, analytics and advice as to how to determine how to improve the performance of the business. The actionable suggestions, analytics and advice may be automatically compiled into a report and generated without user action. The use of natural language queries and responses allows for a merchant without a business intelligence background obtain these insights easily.

公开(公告)号：US11537644B2

公开(公告)日：2022-12-27

申请号：US15614727

申请日：2017-06-06

Applicant: Mastercard International Incorporated

Inventor： Andrew J. Smith ,  Saravana Perumal Shanmugam ,  Adam Kenneth Hosp ,  Ted P. Sanders, Jr. ,  Michael K. Forbis ,  Sarala Buradagunta

IPC: G06F16/00 ,  G06F16/332 ,  G06Q10/06 ,  G10L15/18 ,  G06F16/435 ,  G06F16/242

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system provide for crowd-sourced data to determine natural language query suggestions to transmit to a user, based upon previously submitted questions of the user and/or similar merchants to the user. Natural language query suggestions may be provided as utterances to a keyboard of a merchant user. The merchant user may select one or more suggestions provided. The use of natural language queries and responses allows a merchant without a business intelligence background to obtain business insights easily and accurately assess his performance (e.g., against similar merchants, etc.) without personally identifiable or confidential information of other merchants being compromised.

公开(公告)号：US20180047047A1

公开(公告)日：2018-02-15

申请号：US15236893

申请日：2016-08-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Bensam Joyson ,  Jie Zhang ,  Neeraj Javiya ,  Andrew J. Smith ,  Akshita Goyal

IPC: G06Q30/02 ,  G06Q50/06

CPC classification number: G06Q30/0234 ,  G06Q50/06

Abstract: Exemplary systems and methods are provided for incentivizing consumers to adjust utility usage at their premises. One exemplary method includes receiving, at a computing device, from a utility provider, a challenge defining a reduction in a utility usage by a consumer, in exchange for an incentive, and causing, by the computing device, the challenge to be delivered to the consumer. Then, when the challenge is completed, the method includes causing the incentive to be awarded to the consumer, whereby the utility provider is able to affect utility usage by the consumer through the incentive-based challenge.

公开(公告)号：US20170344986A1

公开(公告)日：2017-11-30

申请号：US15168934

申请日：2016-05-31

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Saravana Perumal Shanmugam ,  Adam Kenneth Hosp ,  Siddique Hameed ,  Andrew J. Smith

IPC: G06Q20/40 ,  H04L29/06 ,  G06Q50/00

CPC classification number: G06Q20/40 ,  G06Q20/32 ,  G06Q20/42 ,  G06Q50/01 ,  H04L63/10 ,  H04W12/00503 ,  H04W12/08

Abstract: Systems and methods are provided for use in creating, distributing, and displaying messages. One exemplary method includes receiving, by a computing device, a message request associated with an event and extracting, by the computing device, payment information and message information from the request. The method also includes causing the payment information to be processed. The method further includes creating, by the computing device, a message feed related to the event, when such a message feed does not exist, and adding the message information to the message feed when the message feed exists. Finally, the method includes causing, by the computing device, in response to a message feed request, the message feed to be delivered, whereby the message feed is displayed at an event merchant associated with the event.

公开(公告)号：US10685301B2

公开(公告)日：2020-06-16

申请号：US15639588

申请日：2017-06-30

Applicant: Mastercard International Incorporated

Inventor： Andrew J. Smith ,  Siddique Hameed ,  Michael K. Forbis ,  Stewart Boling ,  Adam Kenneth Hosp ,  Ted P. Sanders, Jr.

IPC: G06Q10/06 ,  G06Q20/40 ,  G06Q20/10 ,  G06N3/00 ,  G06F16/22 ,  G06F16/33 ,  G06Q20/20 ,  G06Q30/00 ,  G06F16/242 ,  G06F40/30 ,  G06F40/295 ,  G06N5/04

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system processes data from multiple data sources including information generated by the business and analyzes the data to provide actionable suggestions as to how to determine how to improve the performance of the business. The use of natural language queries allows for a merchant without a business intelligence background obtain these insights easily.

公开(公告)号：US20200058079A1

公开(公告)日：2020-02-20

申请号：US16103768

申请日：2018-08-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Adam Kenneth Hosp ,  Ted P. Sanders ,  Ellen Christine Walz ,  Andrew J. Smith ,  Stephen Bongner

IPC: G06Q40/00 ,  G06N99/00

Abstract: A simulation and optimization (SO) computing device is configured to receive a request for an intelligent budget, and retrieve historical data for purchase transactions initiated over a period of time. The SO computing device is also configured to assign each purchase transaction one budget class, generate a historical budget model based upon the purchase transactions and budget classes, the historical budget model representing historical spending behavior over the period of time, and execute future budget simulations based upon the historical budget model, each future budget simulation identifying a possible future spending behavior of the user. The SO computing device is further configured to generate intelligent budgets based upon the future budget simulations, wherein each intelligent budget is generated based upon a respective possible future spending behavior that satisfies at least one user-defined budget constraint, cause the intelligent budgets to be displayed, and receive a selection of a user-selected intelligent budget.