公开(公告)号：US11514533B2

公开(公告)日：2022-11-29

申请号：US16718737

申请日：2019-12-18

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： Melinda L. Rolfs ,  Jonathan Trivelas ,  Nicole Marie Katzman ,  Paul John Paolucci ,  Gary Adler ,  Luis F. Rodriguez-Lemus ,  Xianzhe Zhou

IPC分类号： G06Q40/00 ,  G06F16/953 ,  G06F16/23 ,  G06Q20/40

摘要： A computer system for identifying merchant category code misclassifications includes at least one processor in communication with a transaction database and a high-risk merchant database. The transaction database stores transaction records by a plurality of account holders. The high-risk merchant database stores high-risk merchant records each associated with high-risk merchants. The processor queries the transaction database for transaction records and calculates a high-risk cardholder metric for each of the account numbers. The at least one processor further queries the transaction database for transaction records including (i) the account number of high-risk cardholders, and (ii) a merchant identifier associated with other than the plurality of high-risk merchants, to retrieve a second set of transaction records. The at least one processor further calculates a high-risk merchant metric for each of the merchant identifiers, identifying a MCC misclassified merchant.

公开(公告)号：US12094011B2

公开(公告)日：2024-09-17

申请号：US18056152

申请日：2022-11-16

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： Melinda L. Rolfs ,  Jonathan Trivelas ,  Nicole Marie Katzman ,  Paul John Paolucci ,  Gary Adler ,  Luis F. Rodriguez-Lemus ,  Xianzhe Zhou

IPC分类号： G06Q40/00 ,  G06F16/23 ,  G06F16/953 ,  G06Q20/40 ,  G06Q40/12

CPC分类号： G06Q40/12 ,  G06F16/2379 ,  G06F16/953 ,  G06Q20/4016

摘要： A computer system for identifying merchant category code misclassifications includes at least one processor in communication with a transaction database and a merchant database. The transaction database stores transaction records by a plurality of account holders. The processor generates a first MCC profile including at least one transaction characteristic representative of merchants properly classified as the first MCC and comparing the first MCC profile to a second set of transaction records. If the comparison satisfies a comparison threshold for the first MCC the processor identifies the corresponding selected merchant as being MCC misclassified.

公开(公告)号：US20230079865A1

公开(公告)日：2023-03-16

申请号：US18056152

申请日：2022-11-16

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： Melinda L. Rolfs ,  Jonathan Trivelas ,  Nicole Marie Katzman ,  Paul John Paolucci ,  Gary Adler ,  Luis F. Rodriguez-Lemus ,  Xianzhe Zhou

IPC分类号： G06Q40/00 ,  G06F16/953 ,  G06F16/23 ,  G06Q20/40

摘要： A computer system for identifying merchant category code misclassifications includes at least one processor in communication with a transaction database and a merchant database. The transaction database stores transaction records by a plurality of account holders. The processor generates a first MCC profile including at least one transaction characteristic representative of merchants properly classified as the first MCC and comparing the first MCC profile to a second set of transaction records. If the comparison satisfies a comparison threshold for the first MCC the processor identifies the corresponding selected merchant as being MCC misclassified.

公开(公告)号：US20210192640A1

公开(公告)日：2021-06-24

申请号：US16718737

申请日：2019-12-18

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： Melinda L. Rolfs ,  Jonathan Trivelas ,  Nicole Marie Katzman ,  Paul John Paolucci ,  Gary Adler ,  Luis F. Rodriguez-Lemus ,  Xianzhe Zhou

IPC分类号： G06Q40/00 ,  G06Q20/40 ,  G06F16/23 ,  G06F16/953

摘要： A computer system for identifying merchant category code misclassifications includes at least one processor in communication with a transaction database and a high-risk merchant database. The transaction database stores transaction records by a plurality of account holders. The high-risk merchant database stores high-risk merchant records each associated with high-risk merchants. The processor queries the transaction database for transaction records and calculates a high-risk cardholder metric for each of the account numbers. The at least one processor further queries the transaction database for transaction records including (i) the account number of high-risk cardholders, and (ii) a merchant identifier associated with other than the plurality of high-risk merchants, to retrieve a second set of transaction records. The at least one processor further calculates a high-risk merchant metric for each of the merchant identifiers, identifying a MCC misclassified merchant.