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    Systems and methods for generating recommendations using a corpus of data
    1.
    发明授权
    Systems and methods for generating recommendations using a corpus of data 有权

    公开(公告)号：US12288240B2

    公开(公告)日：2025-04-29

    申请号：US18486923

    申请日：2023-10-13

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Christopher John Merz ,  Walter F. Lo Faro ,  Peng Yang

    IPC: G06Q30/00 ,  G06F7/08 ,  G06Q30/0251 ,  G06Q30/0282 ,  G06Q30/0601

    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.

    Systems and methods for detecting out-of-pattern transactions
    3.
    发明授权
    Systems and methods for detecting out-of-pattern transactions 有权

    公开(公告)号：US11727407B2

    公开(公告)日：2023-08-15

    申请号：US17151523

    申请日：2021-01-18

    Applicant: Mastercard International Incorporated

    Inventor： Christopher John Merz ,  Joshua A. Allbright ,  Peng Yang

    IPC: G06Q40/00 ,  G06Q20/40 ,  G06Q20/10

    CPC classification number: G06Q20/4016 ,  G06Q20/10

    Abstract: An inverse recommender system for detecting out-of-pattern payment transactions includes a memory device and a processor programmed to receive transaction data. The transaction data corresponds to historical payment transactions between account holders and merchants. The processor is programmed to generate a merchant correspondence matrix including the merchants and counters indicating the number of historical payment transactions between merchant pairs of the merchants and the account holders. The processor is programmed to store the merchant correspondence matrix in a memory device linking the merchant pairs to each account holder. The processor receives additional transaction data associated with a new payment transaction between an account holder and a merchant, and to generate an inverse recommender score for the new payment transaction based on the account holder's historical payment transaction data. The account holder's historical payment transaction data includes historical payment transaction data associated with the merchants visited by the account holder.

    Systems and methods for incorporating breach velocities into fraud scoring models
    4.
    发明授权
    Systems and methods for incorporating breach velocities into fraud scoring models 有权

    公开(公告)号：US11521211B2

    公开(公告)日：2022-12-06

    申请号：US16235529

    申请日：2018-12-28

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Joshua A. Allbright ,  Amudhan Venkatesan ,  Felix Johannes Flory ,  Christopher John Merz

    IPC: G06Q20/40 ,  H04L9/40

    Abstract: A method and system for detecting fraudulent network events in a payment card network by incorporating breach velocities into fraud scoring models are provided. A potential compromise event is detected, and payment cards that transacted at a compromised entity associated with the potential compromise event are identified. Subsequent transaction activity for the payment cards is reviewed, and a data structure for the payment cards are generated. The data structure sorts subsequent transaction activity into fraud score range stripes. The data structure is parsed over a plurality of time periods, and at least one cumulative metric is calculated for each of the time periods in each fraud score range stripe. A plurality of ratio striping values are determined, and a set of feature inputs is generated using the ratio striping values. The feature inputs are applied to a scoring model used to score future real-time transactions initiated using the payment cards.

    SYSTEMS AND METHODS FOR MODELING AND CLASSIFICATION OF FRAUDULENT TRANSACTIONS
    6.
    发明申请
    SYSTEMS AND METHODS FOR MODELING AND CLASSIFICATION OF FRAUDULENT TRANSACTIONS 有权

    公开(公告)号：US20210312451A1

    公开(公告)日：2021-10-07

    申请号：US16837686

    申请日：2020-04-01

    Applicant: Mastercard International Incorporated

    Inventor： Joshua A. Allbright ,  Christopher John Merz

    IPC: G06Q20/40 ,  G06Q20/32 ,  G06N20/00 ,  G06K9/62

    Abstract: Described herein are systems and methods for classifying incoming payment transactions. A fraud classification computing system includes a historical transaction database for storing a plurality of transaction records associated with a respective plurality of historical transactions. The fraud classification computing system receives a current transaction request message associated with a current payment transaction. The fraud classification computing system applies a multi-class fraud prediction model to the current transaction request message to generate scores indicating a relative likelihood that the current payment transaction is each of a plurality of fraudulent transaction types. The fraud classification computing system identifies a most likely transaction classification identifier and generates a transaction classification message for the current payment transaction.

    SYSTEMS AND METHODS FOR IMPROVED DETECTION OF NETWORK FRAUD EVENTS
    7.
    发明申请
    SYSTEMS AND METHODS FOR IMPROVED DETECTION OF NETWORK FRAUD EVENTS 审中-公开

    公开(公告)号：US20200211020A1

    公开(公告)日：2020-07-02

    申请号：US16235074

    申请日：2018-12-28

    Applicant: MasterCard International Incorporated

    Inventor： Joshua A. Allbright ,  Christopher John Merz

    IPC: G06Q20/40 ,  G06N20/00 ,  G06Q30/00

    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.

    SYSTEMS AND METHODS FOR AUTHENTICATING ONLINE USERS IN REGULATED ENVIRONMENTS
    8.
    发明申请
    SYSTEMS AND METHODS FOR AUTHENTICATING ONLINE USERS IN REGULATED ENVIRONMENTS 审中-公开

    公开(公告)号：US20190392450A1

    公开(公告)日：2019-12-26

    申请号：US16448884

    申请日：2019-06-21

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Julia Sharon Gosset ,  Robert Albert Ederle ,  Ranjita Shankar Iyer ,  Brian Piel ,  Christopher John Merz ,  Felix Johannes Flory ,  Nimit Gulati ,  Paul Baker

    IPC: G06Q20/40 ,  G06Q20/12 ,  H04L29/06

    Abstract: An authentication platform for authenticating an online user in a transaction without use of strong consumer authentication (SCA) includes receiving an authentication request message for a transaction involving a regulated market includes authentication data and a transaction value, extracting the authentication data from the authentication request message, generating risk-based authentication (RBA) result data, determining that a risk of fraud in the transaction satisfies a risk threshold established by the regulatory entity by evaluating the risk score relative to the risk threshold, determining that the transaction value is below a transaction limit set by the regulatory entity, the transaction limit identifies a threshold transaction value below which strong consumer authentication may be avoided for transactions satisfying the risk threshold, and transmitting an authentication response message authenticating the transaction without strong consumer authentication having been performed based on satisfying the risk threshold and being below the transaction limit.

    SYSTEMS AND METHODS FOR DETECTING OUT-OF-PATTERN TRANSACTIONS
    9.
    发明申请
    SYSTEMS AND METHODS FOR DETECTING OUT-OF-PATTERN TRANSACTIONS 审中-公开

    公开(公告)号：US20190130403A1

    公开(公告)日：2019-05-02

    申请号：US15794768

    申请日：2017-10-26

    Applicant: Mastercard International Incorporated

    Inventor： Christopher John Merz ,  Joshua A. Allbright ,  Peng Yang

    IPC: G06Q20/40 ,  G06Q20/10

    Abstract: An inverse recommender system for detecting out-of-pattern payment transactions includes a memory device and a processor programmed to receive transaction data. The transaction data corresponds to historical payment transactions between account holders and merchants. The processor is programmed to generate a merchant correspondence matrix including the merchants and counters indicating the number of historical payment transactions between merchant pairs of the merchants and the account holders. The processor is programmed to store the merchant correspondence matrix in a memory device linking the merchant pairs to each account holder. The processor receives additional transaction data associated with a new payment transaction between an account holder and a merchant, and to generate an inverse recommender score for the new payment transaction based on the account holder's historical payment transaction data. The account holder's historical payment transaction data includes historical payment transaction data associated with the merchants visited by the account holder.

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