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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
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.
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公开(公告)号：US11715106B2
公开(公告)日：2023-08-01
申请号：US16837838
申请日：2020-04-01
Applicant: Mastercard International Incorporated
Inventor： Joshua A. Allbright
IPC: G06Q20/40 , G06F7/08 , G06F16/23 , G06N20/00 , G06N5/04 , G06Q30/0204 , G06Q30/018
CPC classification number: G06Q20/4016 , G06F7/08 , G06F16/2379 , G06N5/04 , G06N20/00 , G06Q30/0204 , G06Q30/018
Abstract: A message tracking computing device for identifying anomalous activity in real-time is provided. The message tracking computing device is programmed to receive real-time transaction data including a plurality of transaction records. Each transaction record associated with a payment transaction. The message tracking computing device is also programmed to sort the plurality of transaction records into a plurality of channels. The message tracking computing device is further programmed to compute, for each channel, a normalized velocity score by computing a streaming mean, computing a streaming standard deviation, and computing the normalized velocity score based on the streaming mean, the streaming standard deviation, and a transaction ratio. In addition, the message tracking computing device is programmed to analyze the computed normalized velocity score for each channel to detect anomalous activity, automatically generate an alert message identifying the anomalous activity, and transmit the alert message to a remote computing device.
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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
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：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
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.
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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
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.
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Patent Agency Ranking
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
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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公开(公告)号：US20240201797A9
公开(公告)日：2024-06-20
申请号：US18449489
申请日：2023-08-14
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher John Merz , Joshua A. Allbright , Peng Yang
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.
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公开(公告)号：US11978054B2
公开(公告)日：2024-05-07
申请号：US18301801
申请日：2023-04-17
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Joshua A. Allbright , Christopher John Merz
IPC: G06Q20/40 , G06F16/22 , G06F16/903 , G06F16/951 , G06F16/955 , G06Q20/34 , G06Q20/36
CPC classification number: G06Q20/4016 , G06F16/2282 , G06F16/90335 , G06F16/951 , G06F16/955 , G06Q20/34 , G06Q20/36 , G06Q20/409
Abstract: A common point of purchase (CPP) system for identifying a common point of purchases involved in fraudulent or unauthorized payment transactions is provided. The CPP system includes a common point of purchase (CPP) computing device that is configured to receive transaction data and build a table in a database, the table including recording pairing merchant and account identifiers. The CPP computing device is also configured to receive a list of flagged account identifiers and compare the list to the table. The CPP computing device is further configured to compute a metric and build a merchant profile for each merchant, for display at a client system.
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公开(公告)号：US20230385841A1
公开(公告)日：2023-11-30
申请号：US18449489
申请日：2023-08-14
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher John Merz , Joshua A. Allbright , Peng Yang
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.
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公开(公告)号：US11741474B2
公开(公告)日：2023-08-29
申请号：US17188823
申请日：2021-03-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Joshua A. Allbright , Christopher John Merz
IPC: G06Q20/40 , G06Q30/018 , G06N20/00
CPC classification number: G06Q20/4016 , G06N20/00 , G06Q30/0185
Abstract: A computing system for detecting a pattern of fraudulent network events in a payment card network is configured to continuously receive a plurality of scored transaction authorization requests each including a respective account number and a respective fraud score. The computing system is also configured to sort the scored transaction authorization requests into account ranges based the account number, and sort the transaction authorization requests within each of the account ranges into a fraud score range stripes based on the corresponding fraud score. The computing system is further configured to calculate, for the scored transaction authorization requests within each fraud score range stripe, a ratio of a cumulative metric for a shorter time period over a longer time period, and detect, in near real-time, a fraud event associated with one of the account ranges based on the ratio for one of the fraud score range stripes within the account range.
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