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公开(公告)号：US12293368B2
公开(公告)日：2025-05-06
申请号：US17567015
申请日：2021-12-31
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Julia Sharon Gosset , Warda Zahid Khan , Felix Johannes Flory , Adam Kenneth Hosp , Chengxi Li , Christopher John Merz
Abstract: A computer-implemented method for authenticating an online user includes steps including receiving, from a requestor server in communication with a merchant website, an authentication request message including authentication data collected from a user computing device during an online interaction with the merchant website. The steps also include extracting the authentication data from the authentication request message, and applying a risk-based authentication (RBA) engine to the authentication data to obtain RBA result data including a reason code that includes no more than three bytes of data. The steps further include causing the reason code to be embedded in an authorization request message generated during the online interaction and routed to a decisioning server via a payment network. The authorization request message is formatted according to a set of proprietary communications standards promulgated by the payment network for exchange of data between institutions that are members of the payment network.
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公开(公告)号：US20190392449A1
公开(公告)日：2019-12-26
申请号：US16448596
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
Abstract: An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message. The authentication request message includes authentication data. The at least one processor is also programmed to extract the authentication data from the authentication request message, generate, based at least in part on the extracted authentication data, risk-based authentication (RBA) result data including a risk score, and route the RBA result data based on the authentication profile and the RBA result data.
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公开(公告)号：US20190392448A1
公开(公告)日：2019-12-26
申请号：US16448572
申请日：2019-06-21
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Julia Sharon Gosset , Robert Albert Ederie , Ranjita Shankar Iyer , Brian Piel , Christopher John Merz , Felix Johannes Flory , Andres Gonzalez
Abstract: A computer-implemented method for authenticating an online user with an access control server (ACS) is provided. The method includes receiving, at a risk-based authentication enabled (RBA-enabled) directory server, an authentication request message including authentication data, extracting, using the RBA-enabled directory server, the authentication data from the authentication request message, transmitting the extracted authentication data to an RBA engine, generating, using the RBA engine, based at least in part on the extracted authentication data, RBA result data including a risk score, a risk analysis, and at least one reason code, transmitting the RBA result data to the RBA-enabled directory server, embedding, using the RBA-enabled directory server, the RBA result data into the authentication request message to generate an enhanced authentication request message, and transmitting the enhanced authentication request message to the ACS to enable the ACS to make an authentication decision based on the RBA result data.
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公开(公告)号：US20240095745A1
公开(公告)日：2024-03-21
申请号：US18519877
申请日：2023-11-27
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
CPC classification number: G06Q20/4016 , G06Q20/4093 , H04L63/10
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.
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公开(公告)号：US20230101117A1
公开(公告)日：2023-03-30
申请号：US18061813
申请日：2022-12-05
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
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.
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Patent Agency Ranking
公开(公告)号：US20200211022A1
公开(公告)日：2020-07-02
申请号：US16235529
申请日：2018-12-28
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
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.
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7.发明公开公开(公告)号：US20240303650A1
公开(公告)日：2024-09-12
申请号：US18179094
申请日：2023-03-06
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Chengxi Li , Christopher John Merz , Felix Johannes Flory
CPC classification number: G06Q20/401 , G06F30/20 , G06Q20/407
Abstract: A computer system for multi-stage residual modeling for authorizing an online user is provided. The computer system is programmed to store a plurality of models for analyzing transactions including a first model and a second model; receive a plurality of authorization data associated with a user and a transaction associated with the user; execute in real-time the first model using the plurality of authorization data to receive a first output for the first model, wherein the first output is within an output range; determine a remainder from the first model based on the first output and the output range; execute the second model using the plurality of authorization data and the remainder to generate a second output; combine the first output and the second output to generate a final output; and return the final output for decisioning on whether to authorize the transaction.
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公开(公告)号：US11830007B2
公开(公告)日：2023-11-28
申请号：US18061813
申请日：2022-12-05
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
CPC classification number: G06Q20/4016 , G06Q20/4093 , H04L63/10
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.
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公开(公告)号：US20230206317A9
公开(公告)日：2023-06-29
申请号：US17138437
申请日：2020-12-30
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher John Merz , Joshua A. Allbright , Melanie Gersten , Simon Hunt , Felix Johannes Flory
IPC: G06Q40/02 , G06F17/18 , G06F16/901
CPC classification number: G06Q40/02 , G06F17/18 , G06F16/9017
Abstract: A system for identifying complete account identifiers from partial account identifiers is provided. The system includes an account identification computing device including at least one processor and a memory device in communication with the at least one processor. The processor is configured to receive transaction data including unique merchant identifiers, build a merchant table using the transaction data, and receive a list including partial account identifiers. The processor is further configured to determine, for each unique merchant identifier, a number of candidate account identifiers and calculate at least one metric based on the number of candidate account identifiers. The processor is further configured to identify a source unique merchant identifier and match at least one candidate account identifier to a complete account identifier by matching one of the partial account identifiers to the at least one candidate account identifier.
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公开(公告)号：US20210312450A1
公开(公告)日：2021-10-07
申请号：US16837673
申请日：2020-04-01
Applicant: Mastercard International Incorporated
Inventor： Joshua A. Allbright , Felix Johannes Flory
Abstract: A system is provided. The system includes a computing device including at least one processor in communication with at least one memory device. The at least one processor is programmed to receive a plurality of data points. The at least one processor is also programmed to sort the plurality of data points into chronological order. The at least one processor is further programmed to divide the plurality of data points into a plurality of subsets. Each subset of the plurality of subsets represents a period of time. In addition, the at least one processor is programmed to process each subset to determine a velocity value for the individual subset. Moreover, the at least one processor is programmed to combine the plurality of velocity values to determine a final velocity value.
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