公开(公告)号：US20230047717A1

公开(公告)日：2023-02-16

申请号：US17879680

申请日：2022-08-02

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Shashank Dubey ,  Gaurav Dhama ,  Ankur Arora ,  Vikas Bishnoi ,  Ankur Saraswat ,  Hardik Wadhwa ,  Yatin Katyal ,  Debasmita Das

IPC: G06F16/215 ,  G06F16/23 ,  G06F16/25

Abstract: Embodiments provide methods and systems for merchant data cleansing in payment network. Method performed by server system includes accessing electronic payment transaction records from transaction database. Each electronic payment transaction record includes merchant data fields. Method includes determining set of electronic payment transaction records with ambiguous merchant data fields having matching probability scores less than predetermined threshold value computed by probabilistic matching model and identifying at least one issue for non-matching of each of set of electronic payment transaction records. Method includes determining data model based on at least one issue of each of set of electronic payment transaction records. Data model is one of: phone-to-city model, payment aggregator model, and merchant name normalization model. Method includes updating set of electronic payment transaction records with unambiguous merchant data fields corresponding to ambiguous merchant data fields by applying data model to each of set of electronic payment transaction records.

公开(公告)号：US20230034850A1

公开(公告)日：2023-02-02

申请号：US17391101

申请日：2021-08-02

Applicant: Mastercard International Incorporated

Inventor： Smriti Gupta ,  Gaurav Dhama ,  Hardik Wadhwa ,  Puneet Vashisht ,  Yatin Katyal ,  Ankur Saraswat ,  Aakash Deep Singh

IPC: G06Q40/00 ,  G06F16/28 ,  G06N3/04

Abstract: A computing device for determining a new credit card number that is a continuation match with an old credit card number of a credit card account that has changed numbers comprises a processing element programmed to: receive transactional data for a plurality of credit card numbers, determine a plurality of old credit card numbers and a plurality of new credit card numbers, determine a plurality of clusters of new credit card numbers, convert the transactional data for each old credit card number and the associated cluster of new credit card numbers into snapshots with an image-like data format, train a modified siamese network with instances of snapshots of an old credit card number, a first new credit card number, and a second new credit card number, and use the modified siamese network to determine one new credit card number that is an upgrade of one old credit card number.

公开(公告)号：US20230111445A1

公开(公告)日：2023-04-13

申请号：US17938735

申请日：2022-10-07

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rajesh Kumar Ranjan ,  Garima Arora ,  Debasmita Das ,  Ankur Saraswat ,  Yatin Katyal

IPC: G06Q20/40 ,  G06N3/04 ,  G06N3/08

Abstract: Embodiments of present disclosure provide methods and systems for increasing transaction approval rate. Method performed includes accessing transaction features and determining via fraud model and approval model, first and second set of rank-ordered transaction features. Method includes computing difference in ranks of transaction features and determining set of utilized and unutilized transaction features and generating simulated authorizing model and computing simulated transaction approval rate and simulated fraud transaction rate for simulated authorizing model. Method includes generating plurality of proxy authorization models. Method includes computing transaction approval rates and fraud transaction rates for each of plurality of proxy authorization models and computing an increase in transaction approval rate and change in fraud transaction rate for each of plurality of proxy transaction approval models. Method includes determining one or more recommended transaction features from set of unutilized transaction features and transmitting one or more recommended transaction features to authorizing entity.

公开(公告)号：US20220374684A1

公开(公告)日：2022-11-24

申请号：US17746661

申请日：2022-05-17

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sonali Syngal ,  Debasmita Das ,  Soumyadeep Ghosh ,  Yatin Katyal ,  Kandukuri Karthik ,  Ankur Saraswat

IPC: G06N3/04 ,  G06V10/774 ,  G06V10/82

Abstract: Embodiments provide electronic methods and systems for improving edge case classifications. The method performed by a server system includes accessing an input sample dataset including first labeled training data associated with a first class, and second labeled training data associated with a second class, from a database. Method includes executing training of a first autoencoder and a second autoencoder based on the first and second labeled training data, respectively. Method includes providing the first and second labeled training data along with unlabeled training data accessed from the database to the first and second autoencoders. Method includes calculating a common loss function based on a combination of a first reconstruction error associated with the first autoencoder and a second reconstruction error associated with the second autoencoder. Method includes fine-tuning the first autoencoder and the second autoencoder based on the common loss function.

公开(公告)号：US12211106B2

公开(公告)日：2025-01-28

申请号：US17391101

申请日：2021-08-02

Applicant: Mastercard International Incorporated

Inventor： Smriti Gupta ,  Gaurav Dhama ,  Hardik Wadhwa ,  Puneet Vashisht ,  Yatin Katyal ,  Ankur Saraswat ,  Aakash Deep Singh

IPC: G06Q40/12 ,  G06F16/28 ,  G06N3/045

Abstract: A computing device for determining a new credit card number that is a continuation match with an old credit card number of a credit card account that has changed numbers comprises a processing element programmed to: receive transactional data for a plurality of credit card numbers, determine a plurality of old credit card numbers and a plurality of new credit card numbers, determine a plurality of clusters of new credit card numbers, convert the transactional data for each old credit card number and the associated cluster of new credit card numbers into snapshots with an image-like data format, train a modified siamese network with instances of snapshots of an old credit card number, a first new credit card number, and a second new credit card number, and use the modified siamese network to determine one new credit card number that is an upgrade of one old credit card number.

公开(公告)号：US20220253950A1

公开(公告)日：2022-08-11

申请号：US17170422

申请日：2021-02-08

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Debasmita Das ,  Sonali Syngal ,  Ankur Saraswat ,  Garima Arora ,  Nishant Pant ,  Yatin Katyal

IPC: G06Q40/00 ,  G06N3/04

Abstract: Siamese neural networks (SNN) are configured to detect differences between financial transactions for multiple financial institutions and transactions for a target party. A first neural network of the SNN tracks transactions (target transactions) for a particular customer or financial institution over time and provides a target output vector. Similarly, a second neural network of the SNN tracks transactions (baseline transactions) for all or a plurality of financial institutions (e.g., within a region) over the same period of time and provides a baseline output vector. The transactions for all or a plurality of financial institutions act as a baseline of transactions against which potentially fraudulent or money laundering activity may be compared. Because Siamese neural networks account for temporal changes based on the baseline of transactions, sudden changes in target transactions will only trigger an alarm if such changes (e.g., deviations or drifts) are relative to a baseline of transactions.

公开(公告)号：US20250053831A1

公开(公告)日：2025-02-13

申请号：US18448877

申请日：2023-08-11

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ram Ganesh V ,  Harika Chintapeta Murali ,  Debasmita Das ,  Ankur Saraswat ,  Surbhi Malhotra ,  Karen M. Griffin ,  Mateo Arbelaez ,  Joseph Kaczorowski

IPC: G06N5/022 ,  G06Q20/40

Abstract: Embodiments provide artificial intelligence based methods and systems for generating account-related summaries. Method performed by server system include accessing rule generator file and historical transaction data corresponding from database. The method includes generating a set of transaction features based on the rule generator file. The method includes extracting via a first machine learning model, a subset of relevant transaction features from the set of transaction features based on the historical transaction data. The method includes generating via second machine learning, a structured report template based on the subset of relevant transaction features. The structured template report includes a plurality of natural language sentences embedded with the subset of relevant transaction features. The method includes generating an account-related summary for the account holder by substituting each of the subset of relevant transaction features embedded in the plurality of natural language sentences with a corresponding feature value from the historical transaction data.

公开(公告)号：US20240119457A1

公开(公告)日：2024-04-11

申请号：US18482733

申请日：2023-10-06

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Smriti Gupta ,  Adarsh Patankar ,  Akash Choudhary ,  Alekhya Bhatraju ,  Ammar Ahmad Khan ,  Amrita Kundu ,  Ankur Saraswat ,  Anubhav Gupta ,  Awanish Kumar ,  Ayush Agarwal ,  Brian M. McGuigan ,  Debasmita Das ,  Deepak Yadav ,  Diksha Shrivastava ,  Garima Arora ,  Gaurav Dhama ,  Gaurav Oberoi ,  Govind Vitthal Waghmare ,  Hardik Wadhwa ,  Jessica Peretta ,  Kanishk Goyal ,  Karthik Prasad ,  Lekhana Vusse ,  Maneet Singh ,  Niranjan Gulla ,  Nitish Kumar ,  Rajesh Kumar Ranjan ,  Ram Ganesh V ,  Rohit Bhattacharya ,  Rupesh Kumar Sankhala ,  Siddhartha Asthana ,  Soumyadeep Ghosh ,  Sourojit Bhaduri ,  Srijita Tiwari ,  Suhas Powar ,  Susan Skelsey

IPC: G06Q20/40

CPC classification number: G06Q20/4016

Abstract: Methods and server systems for computing fraud risk scores for various merchants associated with an acquirer described herein. The method performed by a server system includes accessing merchant-related transaction data including merchant-related transaction indicators associated with a merchant from a transaction database. Method includes generating a merchant-related transaction features based on the merchant-related indicators. Method includes generating via risk prediction models, for a payment transaction with the merchant, merchant health and compliance risk scores, merchant terminal risk scores, merchant chargeback risk scores, and merchant activity risk scores based on the merchant-related transaction features. Method includes facilitating transmission of a notification message to an acquirer server associated with the merchant. The notification message includes the merchant health and compliance risk scores, the merchant terminal risk scores, the merchant chargeback risk scores, and the merchant activity risk scores.

公开(公告)号：US11593556B2

公开(公告)日：2023-02-28

申请号：US17306118

申请日：2021-05-03

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Diksha Shrivastava ,  Ankur Saraswat ,  Aakash Deep Singh ,  Shashank Dubey ,  Yatin Katyal

IPC: G06F40/216 ,  G06F40/30 ,  G10L25/48 ,  H04L12/28 ,  G10L15/22 ,  G10L15/26 ,  G10L17/20 ,  G06F40/56

Abstract: Embodiments provide methods and systems for generating domain-specific text summary. Method performed by processor includes receiving request to generate text summary of textual content from user device of user and applying pre-trained language generation model over textual content for encoding textual content into word embedding vectors. Method includes predicting current word of the text summary, by iteratively performing: generating first probability distribution of first set of words using first decoder based on word embedding vectors, generating second probability distribution of second set of words using second decoder based on word embedding vectors, and ensembling first and second probability distributions using configurable weight parameter for determining current word. First probability distribution indicates selection probability of each word being selected as current word. Method includes providing custom reward score as feedback to second decoder based on custom reward model and modifying second probability distribution of words for text summary based on feedback.

公开(公告)号：US20220366493A1

公开(公告)日：2022-11-17

申请号：US17739056

申请日：2022-05-06

Applicant: Mastercard International Incorporated

Inventor： Ankur Arora ,  Lalasa Dheekollu ,  Siddhartha Asthana ,  Amit Kumar ,  Smriti Gupta ,  Ankur Saraswat ,  Kandukuri Karthik ,  Kushagra Agarwal ,  Himanshi Charotia ,  Anket Prakash Hirulkar ,  Janu Verma ,  Kanishk Goyal ,  Gaurav Dhama

IPC: G06Q40/02

Abstract: Embodiments provide methods and systems for predicting overall account-level risks of cardholders. The method performed by server system includes accessing payment transaction data associated with a cardholder from a transaction database. Method includes generating a set of transaction features based on a set of transaction indicators. The method includes determining a plurality of network risk scores associated with the cardholder based on the set of transaction features and a set of trained machine learning models. The plurality of network risk scores includes a payment capacity risk score, a contactless payment risk score, and a set of account-level risk scores. The method includes aggregating the plurality of network risk scores to calculate an overall account risk score associated with the cardholder based on a statistical model. The method also includes transmitting a notification to the issuer server associated with the cardholder based on the overall account risk score.