公开(公告)号：US20250053831A1

公开(公告)日：2025-02-13

申请号：US18448877

申请日：2023-08-11

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ram Ganesh V ,  Harika Chintapeta Murali ,  Debasmita Das ,  Ankur Saraswat ,  Surbhi Malhotra ,  Karen M. Griffin ,  Mateo Arbelaez ,  Joseph Kaczorowski

IPC: G06N5/022 ,  G06Q20/40

Abstract: Embodiments provide artificial intelligence based methods and systems for generating account-related summaries. Method performed by server system include accessing rule generator file and historical transaction data corresponding from database. The method includes generating a set of transaction features based on the rule generator file. The method includes extracting via a first machine learning model, a subset of relevant transaction features from the set of transaction features based on the historical transaction data. The method includes generating via second machine learning, a structured report template based on the subset of relevant transaction features. The structured template report includes a plurality of natural language sentences embedded with the subset of relevant transaction features. The method includes generating an account-related summary for the account holder by substituting each of the subset of relevant transaction features embedded in the plurality of natural language sentences with a corresponding feature value from the historical transaction data.

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.