-
公开(公告)号：US20210027300A1
公开(公告)日：2021-01-28
申请号：US16522907
申请日：2019-07-26
Applicant: Visa International Service Association
Abstract: Provided is a system that includes at least one processor programmed or configured to: determine an average payment transaction vector based on a first payment transaction vector associated with a first payment transaction involving an account and a second payment transaction vector associated with a second payment transaction involving the account; determine an account embedding vector associated with the account based on the first payment transaction vector associated with the first payment transaction and the second payment transaction vector associated with the second payment transaction; determine a predicted transaction aggregate vector associated with the account based on the account embedding vector and a plurality of embedding payment transaction vectors associated with a plurality of payment transactions; and store the predicted transaction aggregate vector in a data structure based on an account identifier of the account. A computer-implemented method and computer program product are also provided.
-
公开(公告)号：US20220005043A1
公开(公告)日：2022-01-06
申请号：US17477607
申请日：2021-09-17
Applicant: Visa International Service Association
Inventor： Shi Cao , Shubham Agrawal , Chiranjeet Chetia , Claudia Carolina Barcenas Cardenas , David Stoddard Lambertson , Beatrice-Atena Faurescu
Abstract: Described are a system, method, and computer program product for breach detection using convolutional neural networks. The method includes receiving transaction data associated with a plurality of transactions completed in a first time period. The method also includes identifying a set of suspected fraudulent transactions of the plurality of transactions based on inputting at least one parameter of the transaction data into a fraud evaluation model. The method further includes generating an image comprising a field of points, wherein each point is associated with at least one transaction of the set of suspected fraudulent transactions, and wherein an x-axis position in the image of each point in the field of points is associated with a time subperiod of the first time period in which the at least one transaction occurred. The method further includes detecting a breach event by processing the image with a convolutional neural network (CNN) model.
-
公开(公告)号：US20250165874A1
公开(公告)日：2025-05-22
申请号：US18833603
申请日：2024-01-03
Applicant: Visa International Service Association
Inventor： Mert Kosan , Linyun He , Shubham Agrawal , Yuhang Wu , Hongyi Liu , Chiranjeet Chetia
IPC: G06N20/20
Abstract: Methods, systems, and computer program products are provided for improving machine learning models which include receiving a data set including data records; inputting the data set to a pre-trained first machine learning model to generate first embeddings; inputting the first embeddings to a second machine learning model to generate second embeddings in a user-specific embedding space; inputting the plurality of second embeddings to a third machine learning model to extract feature data associated with a feature; inputting an output from a machine learning system and the feature data to a fourth machine learning model to generate a relevance score for each entity; determining a subset of entities based on the relevance score; communicating a feedback request to a user; receiving feedback data from the user; and training at least one of the models based on the feedback data.
-
公开(公告)号：US12118448B2
公开(公告)日：2024-10-15
申请号：US18268465
申请日：2022-10-20
Applicant: Visa International Service Association
Inventor： Linyun He , Shubham Agrawal , Yu-San Lin , Yuhang Wu , Ishita Bindlish , Chiranjeet Chetia , Fei Wang
Abstract: Systems, methods, and computer program products for multi-domain ensemble learning based on multivariate time sequence data are provided. A method may include receiving multivariate sequence data. At least a portion of the multivariate sequence data may be inputted into a plurality of anomaly detection models to generate a plurality of scores. The multivariate sequence data may be combined with the plurality of scores to generate combined intermediate data. The combined intermediate data may be inputted into a combined ensemble model to generate an output score. In response to determining that the output score satisfies a threshold, at least one of an alert may be communicated to a user device, the multivariate sequence data may be inputted into the feature-domain ensemble model to generate a feature importance vector, or at least one of a model-domain, a time-domain, a feature-domain, or the combined ensemble model may be updated.
-
公开(公告)号：US20210279731A1
公开(公告)日：2021-09-09
申请号：US17261208
申请日：2018-07-23
Applicant: Visa International Service Association
Abstract: Described are a system, method, and computer program product for early detection of and response to a merchant data breach through machine-learning analysis. The method includes receiving transaction data associated with a plurality of transactions and receiving fraudulent transaction data representative of at least one previously identified data-breach incident. The method also includes generating a first model input dataset associated with the at least one merchant and a second model input dataset associated with the at least one previously identified data-breach incident. The method also includes training at least one machine-learning prediction model to associate merchants with a likelihood of data breach and determining at least one breached merchant of the at least one merchant. The method further includes generating a communication configured to cause at least one action to be taken in response to the determination of the at least one breached merchant.
-
Patent Agency Ranking
公开(公告)号：US10853779B1
公开(公告)日：2020-12-01
申请号：US16406409
申请日：2019-05-08
Applicant: Visa International Service Association
Inventor： Sheng Wang , Hangqi Zhao , Shizhe Ma , Chiranjeet Chetia , Shubham Agrawal
Abstract: Provided herein is a computer-implemented method for settling an outstanding invoice issued by a payee, including the steps of capturing a digital image of an invoice issued by a payee to a payor, processing the digital image to identify invoice data and a network location associated with the payee, automatically establishing communication with the network location identified in the digital image, and automatically inputting payment information into one or more fields of the webpage at the network location.
-
公开(公告)号：US20240428142A1
公开(公告)日：2024-12-26
申请号：US18830191
申请日：2024-09-10
Applicant: Visa International Service Association
Inventor： Linyun He , Shubham Agrawal , Yu-San Lin , Yuhang Wu , Ishita Bindlish , Chiranjeet Chetia , Fei Wang
Abstract: Systems, methods, and computer program products for multi-domain ensemble learning based on multivariate time sequence data are provided. A method may include receiving multivariate sequence data. At least a portion of the multivariate sequence data may be inputted into a plurality of anomaly detection models to generate a plurality of scores. The multivariate sequence data may be combined with the plurality of scores to generate combined intermediate data. The combined intermediate data may be inputted into a combined ensemble model to generate an output score. In response to determining that the output score satisfies a threshold, at least one of an alert may be communicated to a user device, the multivariate sequence data may be inputted into the feature-domain ensemble model to generate a feature importance vector, or at least one of a model-domain, a time-domain, a feature-domain, or the combined ensemble model may be updated.
-
公开(公告)号：US20240412098A1
公开(公告)日：2024-12-12
申请号：US18330122
申请日：2023-06-06
Applicant: Visa International Service Association
Inventor： Hanqing Chao , Yuhang Wu , Xiaoting Li , Hongyi Liu , Kwei-Herng Lai , Linyun He , Shubham Agrawal , Mahashweta Das , Hao Yang
Abstract: Methods and systems are provided for synthesizing realistic time series data that may be used to better identify outliers within the synthesized realistic time series data. Noise can be introduced to a time domain representation of time series data and can introduce noise to a frequency domain representation of the time series data. Further, labeled anomalous points can be inserted into the time series data. The time series data may then be used for training a machine learning model to identify anomalies within new time series data.
-
9.发明公开公开(公告)号：US20240062120A1
公开(公告)日：2024-02-22
申请号：US18268465
申请日：2022-10-20
Applicant: Visa International Service Association
Inventor： Linyun He , Shubham Agrawal , Yu-San Lin , Yuhang Wu , Ishita Bindlish , Chiranjeet Chetia , Fei Wang
IPC: G06N20/20
CPC classification number: G06N20/20
Abstract: Systems, methods, and computer program products for multi-domain ensemble learning based on multivariate time sequence data are provided. A method may include receiving multivariate sequence data. At least a portion of the multivariate sequence data may be inputted into a plurality of anomaly detection models to generate a plurality of scores. The multivariate sequence data may be combined with the plurality of scores to generate combined intermediate data. The combined intermediate data may be inputted into a combined ensemble model to generate an output score. In response to determining that the output score satisfies a threshold, at least one of an alert may be communicated to a user device, the multivariate sequence data may be inputted into the feature-domain ensemble model to generate a feature importance vector, or at least one of a model-domain, a time-domain, a feature-domain, or the combined ensemble model may be updated.
-
公开(公告)号：US20210312456A1
公开(公告)日：2021-10-07
申请号：US17218811
申请日：2021-03-31
Applicant: Visa International Service Association
Inventor： Shi Cao , Shubham Agrawal , Chiranjeet Chetia , Claudia Carolina Barcenas Cardenas , David Stoddard Lambertson , Beatrice-Atena Faurescu
Abstract: Described are a system, method, and computer program product for merchant breach detection using convolutional neural networks. The method includes receiving transaction data associated with a plurality of transactions by a plurality of payment devices in a first time period subsequent to the plurality of payment devices transacting with a merchant. The method also includes identifying, based on inputting at least one parameter of the transaction data into a fraud evaluation model, a set of suspected fraudulent transactions of the plurality of transactions. The method further includes generating an image comprising a field of points, wherein each point of the field of points is associated with at least one transaction. The method further includes detecting breach of the merchant by processing the image with a convolutional neural network (CNN) model.
-
-
-
-
-
-
-
-
-
Search Results
17
records
(took 0.01 seconds)
