公开(公告)号：US20150196845A1

公开(公告)日：2015-07-16

申请号：US14152225

申请日：2014-01-10

Applicant: MasterCard International Incorporated

Inventor： David Klemm ,  Purvi Jatin Gandhi ,  Stefania Del Tosto ,  Michael J. Cowen ,  Vladimir Rymchuk ,  Bensam Joyson ,  Stephen Elder ,  James Gallagher

IPC: A63F13/792 ,  G06Q30/02 ,  A63F13/73 ,  G06Q20/40

CPC classification number: A63F13/792 ,  A63F13/73 ,  G06Q20/405 ,  G06Q30/0269

Abstract: A method for scoring a payment transaction includes: storing consumer profiles, each consumer profile including a consumer identifier, contact information, and team identifier; storing merchant profiles, each merchant profile including a merchant identifier and plurality of team scores; receiving an authorization request for a payment transaction, the request including a consumer identification, merchant identification, and transaction data; identifying a specific consumer profile where the included consumer identifier corresponds to the consumer identification; identifying a specific merchant profile where the included merchant identifier corresponds to the merchant identification; identifying a transaction score for the transaction using one or more scoring rules based on the transaction data; updating, in the specific merchant profile, a team score corresponding to the team identifier included in the specific consumer profile based on the transaction score; and transmitting a notification to a consumer related to the specific consumer profile based on the included contact information.

Abstract translation: 用于对支付交易进行评分的方法包括：存储消费者简档，每个消费者简档包括消费者标识符，联系人信息和团队标识符; 存储商家简档，每个商家简档包括商家标识符和多个小组得分; 接收支付交易的授权请求，所述请求包括消费者识别，商家标识和交易数据; 识别包括的消费者标识符对应于消费者标识的特定消费者简档; 识别所包含的商家标识符对应于商家标识的特定商家简档; 使用基于交易数据的一个或多个得分规则来识别交易的交易分数; 在特定商家简档中，基于交易分数来更新与特定消费者简档中包括的团队标识符相对应的团队得分; 以及基于所包括的联系人信息向消费者发送与所述特定消费者简档相关的通知。