公开(公告)号：US20250022001A1

公开(公告)日：2025-01-16

申请号：US18771593

申请日：2024-07-12

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Benjamin Matthew Jack ,  Ganesh Nagendra Prasad ,  FNU Karamjit Singh ,  Lekhana Vusse ,  Gaurav Oberoi

IPC: G06Q30/0202

Abstract: Methods and systems are provided for predicting reward liability data of reward programs. A method includes accessing, by a server system, historical reward related data associated with one or more reward programs administered by a reward program provider of reward program providers. The historical reward related data includes past redeemed reward points for each reward program aggregated on a particular time basis. Method includes identifying first seasonality patterns and second seasonality patterns associated with the historical reward related data. Method includes training a reward liability prediction model based on first and second seasonality patterns, wherein the trained time-series prediction model is configured to predict future reward liability data associated with the one or more reward programs. Upon training the model, the method includes modifying reward rules associated with the one or more reward programs based on predicted future reward liability data and one or more reward liability criteria.

公开(公告)号：US20240119457A1

公开(公告)日：2024-04-11

申请号：US18482733

申请日：2023-10-06

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Smriti Gupta ,  Adarsh Patankar ,  Akash Choudhary ,  Alekhya Bhatraju ,  Ammar Ahmad Khan ,  Amrita Kundu ,  Ankur Saraswat ,  Anubhav Gupta ,  Awanish Kumar ,  Ayush Agarwal ,  Brian M. McGuigan ,  Debasmita Das ,  Deepak Yadav ,  Diksha Shrivastava ,  Garima Arora ,  Gaurav Dhama ,  Gaurav Oberoi ,  Govind Vitthal Waghmare ,  Hardik Wadhwa ,  Jessica Peretta ,  Kanishk Goyal ,  Karthik Prasad ,  Lekhana Vusse ,  Maneet Singh ,  Niranjan Gulla ,  Nitish Kumar ,  Rajesh Kumar Ranjan ,  Ram Ganesh V ,  Rohit Bhattacharya ,  Rupesh Kumar Sankhala ,  Siddhartha Asthana ,  Soumyadeep Ghosh ,  Sourojit Bhaduri ,  Srijita Tiwari ,  Suhas Powar ,  Susan Skelsey

IPC: G06Q20/40

CPC classification number: G06Q20/4016

Abstract: Methods and server systems for computing fraud risk scores for various merchants associated with an acquirer described herein. The method performed by a server system includes accessing merchant-related transaction data including merchant-related transaction indicators associated with a merchant from a transaction database. Method includes generating a merchant-related transaction features based on the merchant-related indicators. Method includes generating via risk prediction models, for a payment transaction with the merchant, merchant health and compliance risk scores, merchant terminal risk scores, merchant chargeback risk scores, and merchant activity risk scores based on the merchant-related transaction features. Method includes facilitating transmission of a notification message to an acquirer server associated with the merchant. The notification message includes the merchant health and compliance risk scores, the merchant terminal risk scores, the merchant chargeback risk scores, and the merchant activity risk scores.