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1.发明授权公开(公告)号：US10671818B2
公开(公告)日：2020-06-02
申请号：US15844320
申请日：2017-12-15
Applicant: Mastercard International Incorporated
Inventor： Christopher John Merz , Matthew Scott Morice , Ravi Santosh Arvapally
Abstract: A system and computer-implemented method for analyzing chip card transactions to identify defective chip cards and/or defective chip readers in need of replacement. Constraints are established to define a subset of card transactions. From a full set of card transactions the subset is identified consisting of each card transaction falling within the constraints and occurring at a merchant having a chip reader. From this subset the unique chip cards are identified, and for each unique chip card a percentage of fallback transactions is calculated. The percentage of fallback transactions is compared to a maximum value, and if the percentage of fallback transactions exceeds the maximum value, the chip card is identified as defective. Each defective chip card is reported to the card issuer, along with at least a recommendation to replace the defective chip card. A similar process may be used to identify defective chip readers of particular merchants.
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2.发明申请公开(公告)号：US20190188423A1
公开(公告)日：2019-06-20
申请号：US15844374
申请日：2017-12-15
Applicant: Mastercard International Incorporated
Inventor： Christopher John Merz , Matthew Scott Morice , Ravi Santosh Arvapally
Abstract: A system and computer-implemented method for analyzing chip card transactions to identify defective chip cards and/or defective chip readers in need of replacement. Constraints are established to define a subset of card transactions. From a full set of card transactions the subset is identified consisting of each card transaction falling within the constraints and occurring at a merchant having a chip reader. From this subset the unique chip readers are identified, and for each unique chip reader a percentage of fallback transactions is calculated. The percentage of fallback transactions is compared to a maximum value, and if the percentage of fallback transactions exceeds the maximum value, the chip reader is identified as defective. Each defective chip reader is reported to the merchant, along with at least a recommendation to replace the defective chip reader. A similar process may be used to identify defective chip cards.
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3.发明申请Systems and Methods for Processing Support Messages Relating to Features of Payment Networks 审中-公开用于处理与支付网络特征相关的支持消息的系统和方法公开(公告)号：US20160239847A1
公开(公告)日：2016-08-18
申请号：US14801413
申请日：2015-07-16
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ravi Santosh Arvapally , Peng Yang , Walter F. Lo Faro , Kimberly S. Rodgers-Stewart
IPC: G06Q30/00
CPC classification number: G06Q30/016
Abstract: Systems and methods are provided for processing messages from users, via interactive interfaces, requesting support relating to features of applications available to the users. In connection therewith, the systems and methods normalize and score the user messages, and use the scores, in combination with scores for historical messages or scores for crowdsourced messages, to identify appropriate response messages for transmittal to the users. In various aspects, the crowdsourced solutions can be voted by both users and domain experts, and also verified by the domain experts. If a solution is verified it will be flagged and it can be included into a reference solution database as a standard response. However, when the scores assigned to the messages do not produce suitable results, a request for additional information relating to the issue described by the user is transmitted via the interactive interface.
Abstract translation: 提供了系统和方法来处理来自用户的消息，经由交互界面，请求与用户可用的应用的特征有关的支持。 与此相关，系统和方法对用户消息进行归一化和评分，并将得分结合用于众包消息的历史消息或分数的分数，以识别用于传送给用户的适当响应消息。 在各方面，众包解决方案可由用户和域名专家投票，并由域专家进行验证。 如果解决方案被验证，它将被标记，并且可以作为标准响应被包括在参考解决方案数据库中。 然而，当分配给消息的分数不产生合适的结果时，通过交互界面来传送与由用户描述的问题有关的附加信息的请求。
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公开(公告)号：US20210304207A1
公开(公告)日：2021-09-30
申请号：US17345642
申请日：2021-06-11
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Walter F. Lo Faro , MohammadMehdi Kafashan , Elieser J. Barrios , Xiaoying Zhang , Ravi Santosh Arvapally , Xianzhe Zhou
Abstract: Systems and methods are provided for performing anomaly detection. One example method relates to transaction data including fraud scores output by a fraud score model generated by a machine learning system. The method includes determining, by a computing device, divergence values for multiple segments of payment accounts between baseline distributions of fraud scores and current distributions of fraud scores for the segments and detecting, by the computing device, at least one of the divergence values for at least one of the multiple segments as an anomaly. The method also includes categorizing, by the computing device, the detected anomaly into one of multiple categories, whereby the one of the multiple categories is indicative of a type of issue associated with the detected anomaly.
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公开(公告)号：US10949860B2
公开(公告)日：2021-03-16
申请号：US15353517
申请日：2016-11-16
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Xiaoying Zhang , Ravi Santosh Arvapally , Hasan Hicsasmaz
Abstract: Systems and methods are provided for scoring support messages from users indicative of the likelihood of escalation of the messages, upon which the messages may be prioritized. One exemplary method includes receiving, from a user, a support message related to a payment service provider and generating an escalation score for the support message based on a temporal factor associated with a duration associated with the support message, a source factor for the support message, and a text content factor of the support message. The exemplary method further includes identifying a likelihood of escalation of the support message based on the escalation score, whereby a support representative assigned to the support message is able to prioritize the support message over at least one other support message based on the likelihood of escalation for the support message.
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Patent Agency Ranking
公开(公告)号：US20180052761A1
公开(公告)日：2018-02-22
申请号：US15239404
申请日：2016-08-17
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Matthew Scott Morice , Ravi Santosh Arvapally , Walter F. Lo Faro
CPC classification number: G06F11/3668 , G06Q30/0239
Abstract: Systems and methods are provided for use in distributing code testing tasks among multiple testers, and incentivizing testing with rewards. One exemplary method includes testing, by a computing device, a code set, where the testing is performed by a tester associated with a profile, and receiving, by the computing device, peer tester feedback based on the testing of the code set, where the peer tester feedback is associated with at least one peer tester profile. The method also includes receiving, by the computing device, a developer decision based on the testing of the code set and/or the peer tester feedback, and rewarding, by the computing device, the profile of the tester and/or the at least one peer tester profile when the developer decision agrees with the testing of the code set and/or the tester feedback associated with the at least one peer tester profile.
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公开(公告)号：US09898391B1
公开(公告)日：2018-02-20
申请号：US15239404
申请日：2016-08-17
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Matthew Scott Morice , Ravi Santosh Arvapally , Walter F. Lo Faro
CPC classification number: G06F11/3668 , G06Q30/0239
Abstract: Systems and methods are provided for use in distributing code testing tasks among multiple testers, and incentivizing testing with rewards. One exemplary method includes testing, by a computing device, a code set, where the testing is performed by a tester associated with a profile, and receiving, by the computing device, peer tester feedback based on the testing of the code set, where the peer tester feedback is associated with at least one peer tester profile. The method also includes receiving, by the computing device, a developer decision based on the testing of the code set and/or the peer tester feedback, and rewarding, by the computing device, the profile of the tester and/or the at least one peer tester profile when the developer decision agrees with the testing of the code set and/or the tester feedback associated with the at least one peer tester profile.
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公开(公告)号：US12164539B2
公开(公告)日：2024-12-10
申请号：US18071294
申请日：2022-11-29
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Tadeu Augusto Ferreira , Ravi Santosh Arvapally
Abstract: The disclosure relates to methods and systems of joining data structures based on a composite similarity score (CSS). For example, a computer system may use a plurality of similarity models to generate respective similarity scores. Each similarity score may be a metric that indicates a confidence that a first data value of a first data record is similar to a second data value of a second data record. The computer system may generate the CSS based on the plurality of similarity sub-scores. The CSS may indicate a confidence that the records being compared are similar. Thus, the CSS may be used to detect similar data records across different data structures. The disclosure also relates to a string similarity model that detects similarity among strings without respect to an order of words in each string and in a way that tolerates errors or omissions in one or both strings.
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9.发明申请公开(公告)号：US20200184485A1
公开(公告)日：2020-06-11
申请号：US16793859
申请日：2020-02-18
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ravi Santosh Arvapally , Peng Yang , Walter F. Lo Faro , Kimberly S. Rodgers-Stewart
IPC: G06Q30/00
Abstract: Systems and methods are provided for processing messages from users, via interactive interfaces, requesting support relating to features of applications available to the users. In connection therewith, the systems and methods normalize and score the user messages, and use the scores, in combination with scores for historical messages or scores for crowdsourced messages, to identify appropriate response messages for transmittal to the users. In various aspects, the crowdsourced solutions can be voted by both users and domain experts, and also verified by the domain experts. If a solution is verified it will be flagged and it can be included into a reference solution database as a standard response. However, when the scores assigned to the messages do not produce suitable results, a request for additional information relating to the issue described by the user is transmitted via the interactive interface.
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公开(公告)号：US20200065837A1
公开(公告)日：2020-02-27
申请号：US16667423
申请日：2019-10-29
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ravi Santosh Arvapally , Matthew S. Morice , Walter F. Lo Faro
IPC: G06Q30/02
Abstract: Systems and methods are provided for evaluating aggregate merchant sets, which are often generated by a payment network. One exemplary method includes accessing, by a computing device, a monitor score and a volatility score for an aggregate merchant set representative of multiple merchants having at least one disparate parameter in a transaction data structure, fuzzy sets for the monitor score and the volatility score comprising linguistic values, and inference rules that use the linguistic values in logical operations. The method also generally includes determining degrees of membership of the monitor score and volatility score to the associated fuzzy sets and generating an evaluation index based on the inference rules and the degrees of membership to the fuzzy sets, thereby providing an indication of a propriety of the aggregation of said multiple merchants.
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