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：US12136112B2

公开(公告)日：2024-11-05

申请号：US17401048

申请日：2021-08-12

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Shreyansh Singh ,  Gaurav Dhama ,  Ankur Arora ,  Kanishka Kayathwal ,  Jessica Carta ,  Ganesh Nagendra Prasad

IPC: G06Q30/02 ,  G06F16/24 ,  G06F16/2457 ,  G06F18/21 ,  G06F18/22 ,  G06F40/20 ,  G06F40/284 ,  G06F40/30 ,  G06Q30/0279

Abstract: The disclosure relates to AI-based machine-learning and natural language modeling to identify semantic similarities between sets of content having natural language text. For example, a system may generate a relevance classification that indicates whether content such as articles are non-specifically relevant to charities without identifying a particular charity. If the content is non-specifically relevant to charities, the system may apply a natural language model to generate sentence embeddings based on the content and determine a level similarity between the sentence embeddings and a query embedding generated from a charity query. The charity query may itself be generated from a full description of the charity through an encoder-decoder architecture with reinforcement learning.

公开(公告)号：US20230206241A1

公开(公告)日：2023-06-29

申请号：US18145594

申请日：2022-12-22

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Kanishka Kayathwal ,  Gaurav Dhama ,  Hardik Wadhwa ,  Shreyansh Singh ,  Siddharth Vimal ,  Abhishek Garg ,  Ankur Arora

IPC: G06Q20/40 ,  G06Q20/06

CPC classification number: G06Q20/4016 ,  G06Q20/065

Abstract: Embodiments provide artificial intelligence methods and systems for evaluating vulnerability risks of issuer authorization system. Method performed by a server system includes accessing a set of payment transaction data including subset of fraudulent transaction data. Method includes generating via a machine learning model, set of synthetic transaction data based on the subset of fraudulent transaction data. Method includes accessing set of historical card velocity features and collating the set of synthetic transaction data and the set of historical card velocity features to generate set of enriched synthetic transaction data. Method includes extracting via a classifier, subset of feasible fraudulent transaction data from the set of enriched synthetic transaction data. Method includes generating simulated authorization model based on the set of payment transaction data. Method includes classifying via simulated authorization model, each enriched synthetic transaction from the subset of feasible fraudulent transaction data as one of fraudulent transaction and non-fraudulent transaction.

公开(公告)号：US20230186311A1

公开(公告)日：2023-06-15

申请号：US18078895

申请日：2022-12-09

Applicant: Mastercard International Incorporated

Inventor： Siddharth Vimal ,  Gaurav Dhama ,  Kanishka Kayathwal ,  Nishant Kumar

IPC: G06Q20/40

CPC classification number: G06Q20/4016

Abstract: Various embodiments relate to methods and systems for generating adversarial samples. The method performed by a server system includes accessing a set of payment transaction samples from transaction database. The method includes initializing a plurality of encoders, weights of each of the plurality of encoders being randomly initialized. Further, the method includes computing a set of initial adversarial samples using the plurality of encoders based on the set of payment transaction samples. Further, the method includes optimizing the plurality of encoders to generate a plurality of evolved encoders. Further, method includes computing a plurality of fitness scores for the plurality of evolved encoders. Further, the method includes determining a top evolved encoder from the plurality of evolved encoders based on the plurality of fitness scores. Further, the method includes generating a set of final adversarial samples using the top evolved encoder based on the set of payment transaction samples.

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：US20220215378A1

公开(公告)日：2022-07-07

申请号：US17568544

申请日：2022-01-04

Applicant: MASTERCARD INTERNATIONAL INCORPORATED,

Inventor： Gaurav Dhama ,  Hardik Wadhwa ,  Vikas Bishnoi

IPC: G06Q20/32 ,  G07C5/08 ,  G06N3/08

Abstract: Embodiments provide electronic methods and systems for facilitating payment authorization for payment transactions initiated from an on-board device of an autonomous vehicle. The method performed by a server system includes receiving payment transaction request initiated from on-board device positioned in autonomous vehicle. The method further includes accessing authentication parameters received from on-board device, wherein authentication parameters include multisensory data captured using sensors positioned in autonomous vehicle, and generating authentication features based on authentication parameters and neural network models. The neural network models are trained based on historical multisensory data of one or more autonomous vehicles. The method includes determining one or more authentication scores associated with the payment transaction request based on the authentication features and transmitting the one or more authentication scores along with the payment transaction request to an issuer associated with the user for authorization.

公开(公告)号：US12271352B2

公开(公告)日：2025-04-08

申请号：US17486550

申请日：2021-09-27

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Gaurav Dhama ,  Vikas Bishnoi ,  Himanshi Charotia

IPC: G06F16/215 ,  G06F16/25 ,  G06F18/2323 ,  G06F18/2413 ,  G06N3/04

Abstract: A method for facilitating entity resolution is provided. A server generates a graph based on a first dataset comprising a first entity and a second dataset comprising a plurality of entities. Each node in the generated graph corresponds to the first entity or one of the plurality of entities. The server generates a plurality of embeddings for the plurality of nodes in the generated graph. Each of the plurality of embeddings represents an entity as a point in a d-dimensional embedding space. The server identifies a set of nearest neighbors for the first entity based on the plurality of embeddings. The server determines a similarity metric for each of the identified nearest neighbor with respect to the first entity. The server associates the first entity with a second entity of the second dataset that corresponds to a nearest neighbor in the set of nearest neighbors.

公开(公告)号：US20250021977A1

公开(公告)日：2025-01-16

申请号：US18350639

申请日：2023-07-11

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Aakarsh Malhotra ,  Ankur Arora ,  Gaurav Dhama ,  Mariya Ivanyshyn Spaeth ,  Sravyasri Vusse ,  Kushagra Agarwal

IPC: G06Q20/40 ,  G06Q20/38

Abstract: A modelling platform comprising at least one processor in communication with at least one memory device and a payment processor is disclosed. The at least one processor is programmed to apply one or more data fields of an authorization request message received from a payment processor as one or more inputs to at least one trained machine learning model to generate a first output and a second output. The at least one processor is further programmed to transmit, to an issuer computing device, in real-time as part of an enhanced authorization request message, the first output and the second output. The enhanced authorization request message instructs the issuer computing device to cause a value to be displayed that is viewable by the account holder based upon the first output for a period of time that is based upon the second output.

公开(公告)号：US20220335429A1

公开(公告)日：2022-10-20

申请号：US17709292

申请日：2022-03-30

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Gaurav Dhama ,  Hardik Wadhwa ,  Puneet Vashisht

IPC: G06Q20/40 ,  G06Q20/12 ,  G06Q20/34

Abstract: Embodiments provide methods and systems for reducing decline rates of transaction requests in card-on-file payment transactions. Method performed by server system includes accessing information of a card-on-file payment transaction for a cardholder. The information includes a payment account of the cardholder and a payment amount to be paid to a merchant account of a merchant. Method includes determining a hidden state associated with the cardholder based, at least in part, on a deep Markov model and the payment amount. The deep Markov model is trained based, at least in part, on past customer spending features associated with the cardholder. Method includes predicting a likelihood score of being the card-on-file payment transaction getting approved within a particular time window based, at least in part, on the hidden state associated with the cardholder and providing a notification to the merchant based, at least in part, on the likelihood score.