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公开(公告)号：US20210142330A1
公开(公告)日：2021-05-13
申请号：US17151523
申请日：2021-01-18
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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2.发明申请公开(公告)号：US20170352022A1
公开(公告)日：2017-12-07
申请号：US15171282
申请日：2016-06-02
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： David Senci , Peng Yang
CPC classification number: G06Q20/34 , G06Q20/401 , G06Q20/405 , G06Q30/0201
Abstract: A payment card processing system is configured to filter payment card transaction records to pass exclusively records having merchant identification data corresponding to merchants offering items via subscription, interact with a plurality of data storage devices to write a new subscription record for a given transaction to generate a new record in a subscription record database responsive to determining that the transaction represents a new subscription record, based at least on the merchant identifier data and account data in the transaction, and periodically updating one or more existing subscriptions records in a subscription record database.
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公开(公告)号：US20170351981A1
公开(公告)日：2017-12-07
申请号：US15172046
申请日：2016-06-02
Applicant: MasterCard International Incorporated
Inventor： David J. Senci , Todd Woodruff , Peng Yang , Ravi Santosh Arvapally , Matt Scott Morice
CPC classification number: G06Q10/0631 , G06Q30/0201 , G06Q50/12
Abstract: A capacity analysis computing device for determining a restaurant capacity level is provided. The capacity analysis computing device is configured to store historical transaction data for a restaurant for a period of time, and analyze the historical transaction data to identify a maximum restaurant capacity for the restaurant over the period of time. The capacity analysis computing device is also configured to receive, from a user computing, a selected time interval for which a current capacity level is to be determined. The capacity analysis computing device is further configured to identify a similar historical time interval to the selected time interval, and determine a historical capacity level for the restaurant during the similar historical time interval. The capacity analysis computing device is further configured to assign the historical capacity level as the current capacity level for the restaurant, and display the current capacity level on the user computing device.
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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：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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Patent Agency Ranking
公开(公告)号：US10915838B2
公开(公告)日：2021-02-09
申请号：US15172046
申请日：2016-06-02
Applicant: MasterCard International Incorporated
Inventor： David J. Senci , Todd Woodruff , Peng Yang , Ravi Santosh Arvapally , Matt Scott Morice
Abstract: A capacity analysis computing device for determining a restaurant capacity level is provided. The capacity analysis computing device is configured to store historical transaction data for a restaurant for a period of time, and analyze the historical transaction data to identify a maximum restaurant capacity for the restaurant over the period of time. The capacity analysis computing device is also configured to receive, from a user computing, a selected time interval for which a current capacity level is to be determined. The capacity analysis computing device is further configured to identify a similar historical time interval to the selected time interval, and determine a historical capacity level for the restaurant during the similar historical time interval. The capacity analysis computing device is further configured to assign the historical capacity level as the current capacity level for the restaurant, and display the current capacity level on the user computing device.
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公开(公告)号：US10896424B2
公开(公告)日：2021-01-19
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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8.发明授权公开(公告)号：US10657606B2
公开(公告)日：2020-05-19
申请号：US16427737
申请日：2019-05-31
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ravi Santosh Arvapally , Peng Yang
IPC: G06Q40/00
Abstract: Systems and methods are provided for verifying and/or confirming merchant data for multiple different transactions. One method generally includes accessing merchant data for a merchant where the merchant data includes a master merchant identifier for the merchant, and querying, by a computing device, multiple users as to which of a list of merchant data entries, for multiple different transactions and including different merchant identifiers, corresponds to the master merchant identifier for the merchant. The users are associated with a location within a predefined distance of the confirmed merchant and/or have performed one or more purchase transactions at the merchant. The method also generally includes receiving, at the computing device, a response from at least one of the users, in which the at least one of the users selects a data entry from the list, and determining whether to proceed in querying additional users.
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公开(公告)号：US20180025292A1
公开(公告)日：2018-01-25
申请号：US15214128
申请日：2016-07-19
Applicant: MasterCard International Incorporated
Inventor： David J. Senci , Peng Yang
IPC: G06Q10/02
CPC classification number: G06Q10/02 , G06Q10/06311 , G06Q30/0601 , G06Q50/12
Abstract: Systems and methods for optimizing travel bookings. A travel analyzing computing device is configured to retrieve historic transaction data including addendum data from travel booking transactions of cardholders. The travel analyzing computing device then extracts booking information comprising booking dates, travel dates, and prices from the retrieved historic transaction data. The travel analyzing computing device is further configured to receive booking inquiries comprising a travel date. Based on the travel date indicated in the booking inquiry, the travel analyzing computing device generates booking data including an optimal booking date. The travel analyzing computing device may then transmit the booking data, including the optimal booking date, to the user computing device.
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公开(公告)号：US20170169500A1
公开(公告)日：2017-06-15
申请号：US15374751
申请日：2016-12-09
Applicant: Mastercard International Incorporated
Inventor： Christopher John Merz , Walter F. Lo Faro , Peng Yang
CPC classification number: G06Q30/0631 , G06F7/08 , G06Q30/0255 , G06Q30/0282 , G06Q30/0625
Abstract: A method and system for recommending a merchant are provided. The method includes receiving financial transaction data documenting financial transactions between a plurality of account holders and a plurality of merchants and generating a merchant correspondence matrix that includes the plurality of merchants and a plurality of indicators of interactions associated with pairs of the plurality of merchants. The plurality of indicators of interactions tallying financial transactions conducted by the plurality of account holders at both of the merchants in a pair of the plurality of merchants. The method further includes receiving a query for a recommendation of a merchant from an account holder and generating a ranked list of merchants based on a recommender algorithm. The recommender algorithm inferring user preferences from attributes of the plurality of merchants that were visited by the cardholder.
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