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.

公开(公告)号：US20230111445A1

公开(公告)日：2023-04-13

申请号：US17938735

申请日：2022-10-07

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rajesh Kumar Ranjan ,  Garima Arora ,  Debasmita Das ,  Ankur Saraswat ,  Yatin Katyal

IPC: G06Q20/40 ,  G06N3/04 ,  G06N3/08

Abstract: Embodiments of present disclosure provide methods and systems for increasing transaction approval rate. Method performed includes accessing transaction features and determining via fraud model and approval model, first and second set of rank-ordered transaction features. Method includes computing difference in ranks of transaction features and determining set of utilized and unutilized transaction features and generating simulated authorizing model and computing simulated transaction approval rate and simulated fraud transaction rate for simulated authorizing model. Method includes generating plurality of proxy authorization models. Method includes computing transaction approval rates and fraud transaction rates for each of plurality of proxy authorization models and computing an increase in transaction approval rate and change in fraud transaction rate for each of plurality of proxy transaction approval models. Method includes determining one or more recommended transaction features from set of unutilized transaction features and transmitting one or more recommended transaction features to authorizing entity.

公开(公告)号：US11558272B2

公开(公告)日：2023-01-17

申请号：US17476201

申请日：2021-09-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rajesh Kumar Ranjan ,  Karamjit Singh ,  Sangam Verma

IPC: G06F15/16 ,  H04L43/067 ,  G06N20/00 ,  H04L43/065 ,  H04L43/106

Abstract: The disclosure relates to methods and systems for predicting time of occurrence of future server failures using server logs and a stream of numeric time-series data occurred with a particular time window. Method performed by processor includes accessing plurality of server logs and stream of numeric time-series data, applying density and sequential machine learning model over plurality of server logs for obtaining first and second outputs, respectively, applying a stochastic recurrent neural network model over the stream of time-series data to obtain third output. The method includes aggregating first, second, and third outputs using an ensemble model, predicting likelihood of at least one future server anomaly based on the aggregating, and determining time of occurrence of the at least one future server anomaly by capturing server behavior characteristics using time-series network model. The server behavior characteristics include time-series patterns of the stream of numeric time-series data.

公开(公告)号：US12217263B2

公开(公告)日：2025-02-04

申请号：US17739045

申请日：2022-05-06

Applicant: Mastercard International Incorporated

Inventor： Bhargav Pandillapalli ,  Rajesh Kumar Ranjan ,  Ankur Saraswat ,  Kshitij Gangwar ,  Kamal Kant ,  Sonali Syngal ,  Suhas Powar ,  Debasmita Das ,  Pritam Kumar Nath ,  Nishant Pant ,  Yatin Katyal ,  Nitish Kumar ,  Karamjit Singh

IPC: G06Q20/40 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q40/03

Abstract: Embodiments provide artificial intelligence-based methods and systems for predicting account-level risk scores associated with cardholders. Method performed by server system includes accessing payment transaction data and cardholder risk data associated with cardholder. The payment transaction data includes transaction variables associated with past payment transactions performed at Point of Interaction (POI) terminals within a particular time window. Method includes generating cardholder profile data based on the transaction variables and the cardholder risk data. Method includes determining account-level risk scores associated with the cardholder based on cardholder profile data. Each account-level risk score of account-level risk scores is determined by a trained machine learning model. The account-level risk scores include a wallet reload risk score, an account reissuance risk score, and a transaction channel risk score. Further, the method includes transmitting a recommendation message to an issuer server associated with the cardholder based on the account-level risk scores.

公开(公告)号：US20220358508A1

公开(公告)日：2022-11-10

申请号：US17739045

申请日：2022-05-06

Applicant: Mastercard International Incorporated

Inventor： Bhargav Pandillapalli ,  Rajesh Kumar Ranjan ,  Ankur Saraswat ,  Kshitij Gangwar ,  Kamal Kant ,  Sonali Syngal ,  Suhas Powar ,  Debasmita Das ,  Pritam Kumar Nath ,  Nishant Pant ,  Yatin Katyal ,  Nitish Kumar ,  Karamjit Singh

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/36

Abstract: Embodiments provide artificial intelligence-based methods and systems for predicting account-level risk scores associated with cardholders. Method performed by server system includes accessing payment transaction data and cardholder risk data associated with cardholder. The payment transaction data includes transaction variables associated with past payment transactions performed at Point of Interaction (POI) terminals within a particular time window. Method includes generating cardholder profile data based on the transaction variables and the cardholder risk data. Method includes determining account-level risk scores associated with the cardholder based on cardholder profile data. Each account-level risk score of account-level risk scores is determined by a trained machine learning model. The account-level risk scores include a wallet reload risk score, an account reissuance risk score, and a transaction channel risk score. Further, the method includes transmitting a recommendation message to an issuer server associated with the cardholder based on the account-level risk scores.