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公开(公告)号：US20250037133A1
公开(公告)日：2025-01-30
申请号：US18887478
申请日：2024-09-17
Applicant: Visa International service Association
Inventor： Liang Wang , Junpeng Wang , Chiranjeet Chetia , Shi Cao , Harishkumar Sundarji Majithiya , Roshni Ann Samuel , Minghua Xu , Wei Zhang , Hao Yang
Abstract: Provided is a method for detecting group activities in a network. The method may include receiving interaction data associated with a plurality of interactions. For each account identifier associated with at least one interaction, a value may be determined for each of a first set of categories, and a vector may be generated based on the value for each category. The length of each vector may be determined. At least one relational graph may be generated based on the interaction data. Each relational graph may be associated with a respective category of a second set of categories. At least one cluster of nodes may be determined based on the relational graph(s). A score for each cluster may be determined based on the length of the vector associated with the account identifier of each node of the cluster of nodes. A system and computer program product are also disclosed.
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公开(公告)号：US20240428072A1
公开(公告)日：2024-12-26
申请号：US18823865
申请日：2024-09-04
Applicant: Visa International Service Association
Inventor： Zhongfang Zhuang , Michael Yeh , Liang Wang , Wei Zhang , Junpeng Wang
Abstract: Described are a system, method, and computer program product for multivariate event prediction using multi-stream recurrent neural networks. The method includes receiving event data from a sample time period and generating feature vectors for each subperiod of each day. The method also includes providing the feature vectors as inputs to a set of first recurrent neural network (RNN) models and generating first outputs for each RNN node. The method further includes merging the first outputs for each same subperiod to form aggregated time-series layers. The method further includes providing the aggregated time-series layers as an input to a second RNN model and generating final outputs for each RNN node of the second RNN model.
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公开(公告)号：US12175504B2
公开(公告)日：2024-12-24
申请号：US18085034
申请日：2022-12-20
Applicant: Visa International Service Association
Inventor： Yan Zheng , Yuwei Wang , Wei Zhang , Michael Yeh , Liang Wang
IPC: G06Q30/00 , G06Q30/0201 , G06Q30/0282
Abstract: Embodiments for training a recommendation system to provide merchant recommendations comprise receiving, by a processor, raw merchant embeddings and raw user embeddings generated from payment transaction records, wherein the raw merchant embeddings include a plurality of embedded features. A generative adversarial network (GAN) is trained to generate modified merchant embeddings from the raw merchant embeddings, where the modified embeddings remove a location feature. Subsequent to training and responsive to receiving a request for merchant recommendations in the target location for the target user, the GAN and a trained preference model are used to generate a list of merchant rankings based on a new set of modified merchant embeddings, past preferences of a target user, and the target location to recommend merchants in the target location.
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公开(公告)号：US20240378414A1
公开(公告)日：2024-11-14
申请号：US18692625
申请日：2022-09-20
Applicant: Visa International Service Association
Inventor： Michael Yeh , Yan Zheng , Huiyuan Chen , Zhongfang Zhuang , Junpeng Wang , Liang Wang , Wei Zhang , Mengting Gu , Javid Ebrahimi
IPC: G06N3/042
Abstract: A method performed by a server computer is disclosed. The method comprises generating a binary compositional code matrix from an input matrix. The binary compositional code matrix is then converted into an integer code matrix. Each row of the integer code matrix is input into a decoder, including plurality of codebooks, to output a summed vector for each row. The method then includes inputting a derivative of each summed vector into a downstream machine learning model to output a prediction.
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公开(公告)号：US12118557B2
公开(公告)日：2024-10-15
申请号：US17137524
申请日：2020-12-30
Applicant: Visa International Service Association
Inventor： Liang Wang , Junpeng Wang , Chiranjeet Chetia , Shi Cao , Harishkumar Sundarji Majithiya , Roshni Ann Samuel , Minghua Xu , Wei Zhang , Hao Yang
CPC classification number: G06Q20/4016 , G06F21/552
Abstract: Provided is a method for detecting group activities in a network. The method may include receiving interaction data associated with a plurality of interactions. For each account identifier associated with at least one interaction, a value may be determined for each of a first set of categories, and a vector may be generated based on the value for each category. The length of each vector may be determined. At least one relational graph may be generated based on the interaction data. Each relational graph may be associated with a respective category of a second set of categories. At least one cluster of nodes may be determined based on the relational graph(s). A score for each cluster may be determined based on the length of the vector associated with the account identifier of each node of the cluster of nodes. A system and computer program product are also disclosed.
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Patent Agency Ranking
公开(公告)号：US20240177071A1
公开(公告)日：2024-05-30
申请号：US18281663
申请日：2022-03-30
Applicant: Visa International Service Association
Inventor： Junpeng Wang , Liang Wang , Yan Zheng , Michael Yeh , Shubham Jain , Wei Zhang , Zhongfang Zhuang , Hao Yang
IPC: G06N20/20 , G06F18/2415
CPC classification number: G06N20/20 , G06F18/2415
Abstract: Systems, methods, and computer program products may compare machine learning models by identifying data instances with disagreed predictions and learning from the disagreement. Based on a model interpretation technique, differences between the compared machine learning models may be interpreted. Multiple metrics to prioritize meta-features from different perspectives may also be provided.
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公开(公告)号：US20220414665A1
公开(公告)日：2022-12-29
申请号：US17781209
申请日：2021-11-05
Applicant: Visa International Service Association
Inventor： Dhruv Gelda , Shubham Jain , Andrew Malachy McGloin , Wei Zhang , Hao Yang , Liang Wang
Abstract: A method of determining fraud includes: receiving a transaction request associated with a first payment transaction between a merchant and a user from a merchant system; generating a first risk score based on the transaction request and a first set pot of transaction data received prior to the transaction request; processing a transaction request approval based on the first risk score not satisfying a first threshold; receiving a risk score request associated with the first payment transaction, where the risk score request is received after the transaction request has been approved; generating a second risk score based on a second set of transaction data received after the first risk score is determined; and automatically classifying the first payment transaction as potentially fraudulent in response to determining that the second risk score satisfies a second threshold.
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公开(公告)号：US11227349B2
公开(公告)日：2022-01-18
申请号：US16689932
申请日：2019-11-20
Applicant: Visa International Service Association
Inventor： Xiaobo Dong , Javid Ebrahimi , Wei Zhang , Liang Wang
Abstract: Methods and systems are described. A method includes accessing transaction data related to restaurants associated with a plurality of geographically separate locations, determining a number of co-visitors shared by each of the restaurants associated with the plurality of geographically separate locations above a predetermined threshold, generating a graphical representation of the plurality of restaurants based on the number of the co-visitors shared by restaurants with the co-visitors above the predetermined threshold and the distance between the restaurants with the co-visitors. The graphical representation is transformed into restaurant embeddings and a neural network model is used to generate restaurant preferences based on the restaurant embeddings.
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公开(公告)号：US20210224648A1
公开(公告)日：2021-07-22
申请号：US17148984
申请日：2021-01-14
Applicant: Visa International Service Association
Inventor： Zhongfang Zhuang , Michael Yeh , Liang Wang , Wei Zhang , Junpeng Wang
Abstract: Described are a system, method, and computer program product for multivariate event prediction using multi-stream recurrent neural networks. The method includes receiving event data from a sample time period and generating feature vectors for each subperiod of each day. The method also includes providing the feature vectors as inputs to a set of first recurrent neural network (RNN) models and generating first outputs for each RNN node. The method further includes merging the first outputs for each same subperiod to form aggregated time-series layers. The method further includes providing the aggregated time-series layers as an input to a second RNN model and generating final outputs for each RNN node of the second RNN model.
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公开(公告)号：US20250111011A1
公开(公告)日：2025-04-03
申请号：US18374799
申请日：2023-09-29
Applicant: Visa International Service Association
Inventor： Junpeng Wang , Minghua Xu , Shubham Jain , Yan Zheng , Michael Yeh , Liang Wang , Wei Zhang
IPC: G06F17/18
Abstract: Methods, systems, and computer program products are provided for coordinated analysis of output scores and input features of machine learning models in different environments. An example method includes receiving a plurality of first data records and a plurality of second data records. A first plot is generated based on a first score generated by a machine learning model for each first data record and a second score generated by the machine learning model for each second data record. The first plot is displayed. A plurality of second plots associated with at least a subset of the plurality of features are generated. Each respective second plot is generated based on a respective first field associated with a respective feature from the first data records and a respective second field associated with the respective feature from the second data records. The second plots are displayed.
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