公开(公告)号：US20250021886A1

公开(公告)日：2025-01-16

申请号：US18896306

申请日：2024-09-25

Applicant: Visa International Service Association

Inventor： Kwei-Herng Lai ,  Lan Wang ,  Huiyuan Chen ,  Mangesh Bendre ,  Mahashweta Das ,  Hao Yang

IPC: G06N20/00 ,  G06F18/2413

Abstract: Methods, systems, and computer program products may formulate an iterative data mix up problem into a Markov decision process (MDP) with a tailored reward signal to guide a learning process. To solve the MDP, a deep deterministic actor-critic framework may be modified to adapt a discrete-continuous decision space for training a data augmentation policy.

公开(公告)号：US20230196198A1

公开(公告)日：2023-06-22

申请号：US18015976

申请日：2022-05-24

Applicant: Visa International Service Association

Inventor： Mangesh Bendre ,  Mahashweta Das ,  Fei Wang ,  Hao Yang

IPC: G06N20/00 ,  G06N5/022

CPC classification number: G06N20/00 ,  G06N5/022

Abstract: Provided are systems, methods, and computer program products for generating node embeddings. The system includes at least one processor programmed or configured to generate a graph comprising a plurality of nodes, generate an embedding for each node of the plurality of nodes, each embedding comprising at least one polar angle and a vector length. store each embedding of a plurality of embeddings in memory, and in response to processing the graph with a machine-learning algorithm, convert at least one embedding of the plurality of embeddings to Cartesian coordinates.

公开(公告)号：US20220114456A1

公开(公告)日：2022-04-14

申请号：US17495214

申请日：2021-10-06

Applicant: Visa International Service Association

Inventor： Azita Nouri ,  Mangesh Bendre ,  Mahashweta Das ,  Fei Wang ,  Hao Yang ,  Adit Krishnan

IPC: G06N5/02 ,  G06N5/04 ,  G06K9/62 ,  G06F9/38

Abstract: Methods, systems, and computer program products for knowledge graph based embedding, explainability, and/or multi-task learning may connect task-specific inductive models with knowledge graph completion and enrichment processes.

公开(公告)号：US12242939B2

公开(公告)日：2025-03-04

申请号：US18686563

申请日：2023-08-04

Applicant: Visa International Service Association

Inventor： Kwei-Herng Lai ,  Lan Wang ,  Huiyuan Chen ,  Mangesh Bendre ,  Mahashweta Das ,  Hao Yang

IPC: G06N20/00 ,  G06F18/2413

Abstract: Methods, systems, and computer program products may formulate an iterative data mix up problem into a Markov decision process (MDP) with a tailored reward signal to guide a learning process. To solve the MDP, a deep deterministic actor-critic framework may be modified to adapt a discrete-continuous decision space for training a data augmentation policy.

公开(公告)号：US12198026B2

公开(公告)日：2025-01-14

申请号：US18015976

申请日：2022-05-24

Applicant: Visa International Service Association

Inventor： Mangesh Bendre ,  Mahashweta Das ,  Fei Wang ,  Hao Yang

IPC: G06N20/00 ,  G06N5/022

Abstract: Provided are systems, methods, and computer program products for generating node embeddings. The system includes at least one processor programmed or configured to generate a graph comprising a plurality of nodes, generate an embedding for each node of the plurality of nodes, each embedding comprising at least one polar angle and a vector length, store each embedding of a plurality of embeddings in memory, and in response to processing the graph with a machine-learning algorithm, convert at least one embedding of the plurality of embeddings to Cartesian coordinates.

公开(公告)号：US20250005571A1

公开(公告)日：2025-01-02

申请号：US18712423

申请日：2022-11-17

Applicant: Visa International Service Association

Inventor： Mahashweta Das ,  Anurag Tangri ,  Chiranjeet Chetia

IPC: G06Q20/40 ,  G06F16/901 ,  G06F16/906

Abstract: Methods, systems, and computer program products for community detection: (i) obtain a plurality of node embeddings associated with a graph; (ii) determine a number of clusters into which the plurality of node embeddings is to be clustered; (iii) cluster, based on distances between pairs of node embeddings, the plurality of node embeddings into the number of clusters until, for each node embedding in each cluster, a node associated with that node embedding is within k-hops in the graph of each other node associated with each other node embedding in that cluster; (iv) reposition centroids of the number of clusters; (v) repeat steps (iii) and (iv) until a first stopping criteria is satisfied; (vi) repeat steps (ii) through (v) until a second stopping criteria that depends on a conductance of a clustering including the number of clusters is satisfied; and (vii) provide the clustering including the number of clusters.

公开(公告)号：US20240281718A1

公开(公告)日：2024-08-22

申请号：US18686563

申请日：2023-08-04

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： Kwei-Herng Lai ,  Lan Wang ,  Huiyuan Chen ,  Mangesh Bendre ,  Mahashweta Das ,  Hao Yang

IPC: G06N20/00 ,  G06F18/2413

CPC classification number: G06N20/00 ,  G06F18/24147

Abstract: Methods, systems, and computer program products may formulate an iterative data mix up problem into a Markov decision process (MDP) with a tailored reward signal to guide a learning process. To solve the MDP, a deep deterministic actor-critic framework may be modified to adapt a discrete-continuous decision space for training a data augmentation policy.

公开(公告)号：US20240086926A1

公开(公告)日：2024-03-14

申请号：US18272810

申请日：2022-01-19

Applicant: Visa International Service Association

Inventor： Xiao Tian ,  Mahashweta Das ,  Chiranjeet Chetia

IPC: G06Q20/40

CPC classification number: G06Q20/4016

Abstract: Provided is a computer-implemented method for generating synthetic graphs that simulate real-time payment transactions that includes generating a base payment graph includes a plurality of nodes and a plurality of edges connecting the plurality of nodes, wherein each node represents an entity and each edge represents a probability that a real-time-payment transaction may be conducted involving two entities that are connected by the edge, wherein the real-time payment transaction is artificially created, generating a plurality of dynamic payment graphs based on the base payment graph, inserting patterns representing adversarial activity into the plurality of dynamic payment graphs, and performing an action associated with a machine learning technique using the plurality of dynamic payment graphs. Systems and computer program products are also provided.

公开(公告)号：US20230092462A1

公开(公告)日：2023-03-23

申请号：US17991145

申请日：2022-11-21

Applicant: Visa International Service Association

Inventor： Mahashweta Das ,  Nikan Chavoshi ,  Hao Yang

IPC: G06Q30/02 ,  G06Q40/00 ,  G06N3/04 ,  G06N3/08 ,  G06Q30/00 ,  G06Q40/02

Abstract: Described are a system, method, and computer program product for applying deep learning analysis to predict and automatically respond to predicted changes in financial device primacy for a financial device holder. The method includes receiving transaction data representative of a plurality of transactions between the financial device holder and at least one merchant. The method also includes generating time series data based on the transaction data and generating a predictive model configured to: (i) receive an input of time-interval-based transaction data; and (ii) output a probability of primary financial device primacy change, the predictive model trained based on historic transaction data. The method further includes determining a probability of primary financial device primacy change for the financial device holder by applying the predictive model to the time series data. The method further includes, generating at least one communication to at least one issuer and/or the financial device holder.

公开(公告)号：US20240370871A1

公开(公告)日：2024-11-07

申请号：US18773655

申请日：2024-07-16

Applicant: Visa International Service Association

Inventor： Mahashweta Das ,  Hao Yang

IPC: G06Q20/40 ,  G06N20/00 ,  G06Q30/0211 ,  H04W4/029

Abstract: Systems, methods, and computer program products are provided for predicting a specified geographic area of a user. An example system includes a processor configured to determine a verified geographic area associated with each user, and determine a feature vector associated with an account of each user. The processor is also configured to receive transaction data and determine a value of each parameter of the feature vector for each user based on the transaction data to produce a training matrix. The processor is further configured to train and validate a geographic area prediction model based on the training matrix. The processor is further configured to repeatedly generate a prediction that a user will conduct a transaction in a geographic area, communicate an offer to the user based on the prediction, receive new training data, and update the geographic area prediction model based on the new training data.