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88 条记录 (耗时 0.033 秒)

    System, Method, and Computer Program Product for Generating Embeddings for Objects
    1.
    发明公开
    System, Method, and Computer Program Product for Generating Embeddings for Objects 审中-公开

    公开(公告)号：US20240354733A1

    公开(公告)日：2024-10-24

    申请号：US18760640

    申请日：2024-07-01

    申请人： Visa International Service Association

    发明人： Manoj Reddy Dareddy ,  Mahashweta Das ,  Hao Yang

    IPC分类号： G06Q20/30

    CPC分类号： G06Q20/30

    摘要： Provided are computer-implemented methods for generating embeddings for objects which may include receiving heterogeneous network data associated with a plurality of objects in a heterogeneous network; selecting at least one pattern of objects; determining instances of each pattern of objects based on the heterogeneous network data; generating a pattern matrix for each pattern of objects based on the instances of the pattern of objects; generating pattern sequence data associated with a portion of each pattern matrix; generating network sequence data associated with a portion of the heterogeneous network data; and combining the pattern sequence data and the network sequence data into combined sequence data. In some non-limiting embodiments or aspects, methods may include generating a vector for each object of the plurality of objects based on the combined sequence data. Systems and computer program products are also provided.

    Mixed-initiative machine learning systems and methods for determining segmentations
    2.
    发明授权
    Mixed-initiative machine learning systems and methods for determining segmentations 有权

    公开(公告)号：US12118439B2

    公开(公告)日：2024-10-15

    申请号：US17326688

    申请日：2021-05-21

    申请人： Visa International Service Association

    发明人： Liang Gou ,  Hao Yang

    IPC分类号： G06N5/04 ,  G06N20/00 ,  G06Q30/0204

    CPC分类号： G06N20/00 ,  G06N5/04 ,  G06Q30/0204

    摘要： A computer system can perform a semi-supervised machine learning processes to cluster a plurality of entities within a population based on their features and associated labels. The computer system can generate visualization data representing the clusters of entities and associated labels for displaying on a user interface. A user can review the clustering of entities and use the user interface to add or modify the labels associated with a particular entity or set of entities. The computer system can use the user's feedback to update the labels and then re-determine the clustering of entities using the semi-supervised machine learning process with the updated labels as input. As such, the computer system can use the user's feedback to improve the accuracy of the machine learning model without requiring a larger amount of labeled input data.

    System, method, and computer program product for generating embeddings for objects
    4.
    发明授权
    System, method, and computer program product for generating embeddings for objects 有权

    公开(公告)号：US12039513B2

    公开(公告)日：2024-07-16

    申请号：US17297000

    申请日：2019-12-02

    申请人： Visa International Service Association

    发明人： Manoj Reddy Dareddy ,  Mahashweta Das ,  Hao Yang

    IPC分类号： G06Q20/30

    CPC分类号： G06Q20/30

    摘要： Provided are computer-implemented methods for generating embeddings for objects which may include receiving heterogeneous network data associated with a plurality of objects in a heterogeneous network; selecting at least one pattern of objects; determining instances of each pattern of objects based on the heterogeneous network data; generating a pattern matrix for each pattern of objects based on the instances of the pattern of objects; generating pattern sequence data associated with a portion of each pattern matrix; generating network sequence data associated with a portion of the heterogeneous network data; and combining the pattern sequence data and the network sequence data into combined sequence data. In some non-limiting embodiments or aspects, methods may include generating a vector for each object of the plurality of objects based on the combined sequence data. Systems and computer program products are also provided.

    Method, System, and Computer Program Product for Generating Robust Graph Neural Networks Using Universal Adversarial Training
    6.
    发明公开
    Method, System, and Computer Program Product for Generating Robust Graph Neural Networks Using Universal Adversarial Training 审中-公开

    公开(公告)号：US20240095526A1

    公开(公告)日：2024-03-21

    申请号：US18286799

    申请日：2023-02-17

    申请人： Visa International Service Association

    发明人： Huiyuan Chen ,  Fei Wang ,  Hao Yang

    IPC分类号： G06N3/08

    CPC分类号： G06N3/08

    摘要： Described are a method, system, and computer program product for generating robust graph neural networks using universal adversarial training. The method includes receiving a graph neural network (GNN) model and a bipartite graph including an adjacency matrix, initializing model parameters of the GNN model, initializing perturbation parameters, and sampling a subgraph of a complementary graph based on the bipartite graph. The method further includes repeating until convergence of the model parameters: drawing a random variable from a uniform distribution; generating a universal perturbation matrix based on the subgraph, the random variable, and the perturbation parameters; determining Bayesian Personalized Ranking (BPR) loss by inputting the bipartite graph and the universal perturbation matrix to the GNN model; updating the perturbation parameters based on stochastic gradient ascent; and updating the model parameters based on stochastic gradient descent. The method further includes, in response to convergence of the model parameters, outputting the model parameters.

    System, method, and computer program product for determining fraud
    7.
    发明授权
    System, method, and computer program product for determining fraud 有权

    公开(公告)号：US11922422B2

    公开(公告)日：2024-03-05

    申请号：US17781209

    申请日：2021-11-05

    申请人： Visa International Service Association

    发明人： Dhruv Gelda ,  Shubham Jain ,  Andrew Malachy McGloin ,  Wei Zhang ,  Hao Yang ,  Liang Wang

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/4016 ,  G06Q20/407

    摘要： 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.