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1. 发明申请

US20150278952A1 LEVERAGING SPEND BEHAVIOR TO CREATE EQUITY PORTFOLIOS 审中-公开
标题翻译：利益冲击行为创造均质组合
公开(公告)号：US20150278952A1
公开(公告)日：2015-10-01
申请号：US14224677
申请日：2014-03-25
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Jean Pierre Gerard , Po Hu
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06
摘要： A method and/or system is provided that includes retrieving from one or more databases a first set of information with the first set of information having payment card transaction sales data associated with each of a plurality of merchants; and retrieving from one or more data bases a second set of information with the second set of information having securities market data associated with each of the plurality of merchants. The method further includes generating one or more groupings of merchants based on the first set of information and the second set of information; ranking each of the merchants, relative to the other merchants, in the one or more groupings into a hierarchy based on selection criteria; identifying a predetermined number of merchants ranked at different levels of the hierarchy in the one or more groupings; selecting the identified merchants from the one or more groupings; and combining the selected merchants into an index.
摘要翻译：提供了一种方法和/或系统，其包括从具有与多个商家中的每一个相关联的支付卡交易销售数据的第一组信息从一个或多个数据库检索第一组信息; 以及从一个或多个数据库中检索具有与所述多个商户中的每一个相关联的证券市场数据的第二组信息的第二组信息。该方法还包括基于第一组信息和第二组信息生成一个或多个商家分组; 根据选择标准将每个商人相对于其他商家在一个或多个分组中排列成层级; 识别在一个或多个分组中排列在不同级别的商家的预定数量的商家; 从所述一个或多个分组中选择所识别的商家; 并将所选择的商家组合成索引。

2. 发明申请

US20150066729A1 SYSTEM AND METHOD FOR CURRENCY EXCHANGE RATE FORECASTING 审中-公开
标题翻译：用于货币兑换率预测的系统和方法
公开(公告)号：US20150066729A1
公开(公告)日：2015-03-05
申请号：US14017870
申请日：2013-09-04
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Po Hu , Jean Pierre Gerard
IPC分类号： G06Q40/04
CPC分类号： G06Q40/04
摘要： A method for forecasting currency exchange rate is provided. The method involves: providing one or more databases configured to store a first set of information comprising microeconomic information that includes at least payment card holder transaction information; providing one or more databases configured to store a second set of information comprising macroeconomic information; and providing one or more databases configured to store a third set of information comprising foreign exchange market (Forex) information. The method also involves generating, from the first set of information, payment card holder transaction based variables in different currencies for comparable goods and/or services; integrating the payment card holder transaction based variables in different currencies, generated from the first set of information, with the second set of information and the third set of information; and forecasting the currency exchange rate based on the integrated information using a forecasting model that includes exogenous covariates, on a currency exchange time series. A system for forecasting currency exchange rate is also provided.
摘要翻译：提供了一种预测货币汇率的方法。该方法包括：提供一个或多个数据库，其被配置为存储包括至少包括支付卡持有者交易信息的微观经济信息的第一组信息; 提供配置成存储包括宏观经济信息的第二组信息的一个或多个数据库; 以及提供配置成存储包括外汇市场（Forex）信息的第三组信息的一个或多个数据库。该方法还涉及从第一组信息中生成用于可比商品和/或服务的以不同货币支付卡持有者交易的变量; 将基于第一组信息的不同货币的支付卡持有者交易的变量与第二组信息和第三组信息进行整合; 并使用包含外生协变量的预测模型，以货币兑换时间序列为基础，综合信息来预测货币汇率。还提供了一个预测货币汇率制度。

3. 发明申请

US20150066584A1 SYSTEM AND METHOD FOR ACQUIRING AN UNDERSTANDING OF A BUSINESS SEGMENT 审中-公开
标题翻译：获取业务部门了解的系统和方法
公开(公告)号：US20150066584A1
公开(公告)日：2015-03-05
申请号：US14017855
申请日：2013-09-04
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Adam Michael Granoff , Jean Pierre Gerard
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0201
摘要： A method for acquiring an understanding a business segment is provided. The method comprises: storing in an electronic storage device a database of information in which the information is generated from at least four linked data sources including a firmographics data source, a risk data source, a transaction behavior data source, and an attitudinal data source; accessing information in the database concerning the business segment; and assembling the information concerning the business segment. The information from one or more of the linked data sources is summarized to a link, at least some of the information is integrated by data fusion, and at least some of the integrated information is imputed via the link to the business segment. The method also provides the assembled information to a user that has been granted access to the database. A system for acquiring an understanding of a business segment is also provided.
摘要翻译：提供了一种了解业务部门的方法。该方法包括：在电子存储设备中存储从包括企业数据源，风险数据源，交易行为数据源和态度数据源的至少四个链接数据源生成信息的信息的数据库; 访问关于业务部门的数据库中的信息; 并组织有关业务板块的信息。来自一个或多个链接数据源的信息被汇总到链接中，至少一些信息通过数据融合来集成，并且至少一些综合信息通过到业务段的链接被估算。该方法还将组合的信息提供给已被授权访问数据库的用户。还提供了一种了解业务部门的系统。

4. 发明授权

US10706433B2 Individual level learning mechanism 有权
公开(公告)号：US10706433B2
公开(公告)日：2020-07-07
申请号：US15415664
申请日：2017-01-25
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Jean Pierre Gerard , Shen Xi Meng , Po Hu
IPC分类号： G06Q30/02
摘要： Disclosed herein are systems and methods of individual level learning that include receiving purchase event data from a merchant device that indicates that a purchase event occurred by a user on a user device, and transmitting the purchase event data to an analytics server. The methods may also include processing the purchase event data. The processing may include calculating a time gap for each of two sequential purchase events in a list of purchase events, and calculating an average duration of consecutive events by averaging all of the purchase events in the list of purchase events. The method may determine a purchase hazard probability that a purchase event will occur on a given day, when the average duration of consecutive events is larger than a standard deviation of the event occurring. When the purchase hazard probability is above a threshold, the system may push a message to the user device.

5. 发明申请

US20150199716A1 METHOD AND SYSTEM FOR REAL TIME TARGETED ADVERTISING IN A RETAIL ENVIRONMENT 有权
标题翻译：在零售环境中实时定向广告的方法和系统
公开(公告)号：US20150199716A1
公开(公告)日：2015-07-16
申请号：US14151978
申请日：2014-01-10
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Jean Pierre Gerard
IPC分类号： G06Q30/02 , G06K7/10
CPC分类号： G06Q30/0255 , G06Q30/0201 , G06Q30/0207 , G06Q30/0269 , G06Q30/0281 , H04W4/80
摘要： A method and a system for real time targeted advertising using purchase transaction data and payment card holder activity and location information in a retail environment. The system comprises one or more databases configured to store a first set of information comprising payment card holder information including at least purchasing and payment activities attributable to the payment card holder, a second set of information comprising payment card holder activity and location in a retail environment, and a third set of information comprising merchant advertising information. The system further comprises a processor configured to generate predictive behavioral models based at least in part on the first set of information and the second set of information, associate the predictive behavioral models with the third set of information, and convey the associated information to a merchant to enable the merchant to make targeted offers to the payment card holder.
摘要翻译：一种用于在零售环境中使用购买交易数据和支付卡持有者活动和位置信息进行实时定向广告的方法和系统。该系统包括一个或多个数据库，其被配置为存储第一组信息，其包括至少包括可归属于支付卡持有者的购买和支付活动的支付卡持有者信息，包括支付卡持有者活动和零售环境中的位置的第二组信息以及包括商业广告信息的第三组信息。该系统还包括处理器，该处理器被配置为至少部分地基于第一组信息和第二组信息来生成预测行为模型，将预测行为模型与第三组信息相关联，并将相关信息传达给商家以使商家能够向付款卡持有者提供有针对性的优惠。

6. 发明申请

US20150039390A1 MOBILE MARKETING AND TARGETING USING PURCHASE TRANSACTION DATA 审中-公开
标题翻译：使用购买交易数据进行移动营销和定位
公开(公告)号：US20150039390A1
公开(公告)日：2015-02-05
申请号：US13955058
申请日：2013-07-31
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Po Hu , Jean Pierre Gerard
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0202 , G06Q30/0255
摘要： A method for making a targeted offer by a telecommunication entity to an audience is provided. The method involves receiving from the telecommunication entity a first set of information including billing activities attributable to the telecommunication entity and payment activities attributable to the audience, by a financial transaction processing entity; retrieving by the financial transaction processing entity a second set of information including billing activities attributable to the financial transaction processing entity and purchasing and payment activities attributable to the audience; and generating one or more predictive behavioral models based at least in part on the first set and second set of information. The method also involves identifying activities and characteristics attributable to the audience based on the predictive behavioral models, and conveying those to the telecommunication entity. A system for making a targeted offer by a telecommunication entity to an audience is also provided.
摘要翻译：提供了一种由电信实体向观众做出有针对性的提供的方法。该方法涉及金融交易处理实体从电信实体接收包括归属于电信实体的计费活动和归属于观众的支付活动的第一组信息; 由金融交易处理实体检索第二组信息，包括归属于金融交易处理实体的计费活动和可归于观众的购买和支付活动; 以及至少部分地基于所述第一组和第二组信息生成一个或多个预测行为模型。该方法还涉及基于预测行为模型识别受众的活动和特征，并将其传达给电信实体。还提供了一种由电信实体向观众做出有针对性的提供的系统。

7. 发明授权

US10062082B2 Method and system for identifying payment card holder interests and hobbies 有权
公开(公告)号：US10062082B2
公开(公告)日：2018-08-28
申请号：US14446762
申请日：2014-07-30
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Kenny Unser , Jean Pierre Gerard , Kent Olof Niklas Berntsson
IPC分类号： G06Q30/02 , G06Q30/06
CPC分类号： G06Q30/0201 , G06Q30/0631
摘要： A method and a system are provided for identifying payment card holder hobbies or interests. The method includes retrieving from one or more databases a first set of information comprising payment card transaction information, payment card holder information and merchant information. The method further includes analyzing the first set of information to construct one or more groupings of merchants based on merchant line of business or merchant association with a hobby or interest; analyzing the first set of information to identify one or more payment card holder purchase behaviors; and associating the one or more payment card holder purchase behaviors with the one or more groupings of merchants to identify one or more payment card holder hobbies or interests. The method and system provide advantages in fraud prevention, and can also be used by merchants or businesses to better target customers or enhance existing customer relationships.

8. 发明授权

US09390430B2 Method and system for sales strategy optimization 有权
标题翻译：销售策略优化的方法和系统
公开(公告)号：US09390430B2
公开(公告)日：2016-07-12
申请号：US14329085
申请日：2014-07-11
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Kenny Unser , Jean Pierre Gerard , Kent Olof Niklas Berntsson
IPC分类号： G06Q10/00 , G06Q30/02 , G06Q10/06
CPC分类号： G06Q30/0202 , G06Q10/063
摘要： A method for identifying a payment card holder preference for a certain sales technique. The method involves retrieving, from one or more databases, a first set of information including purchasing and payment activity information attributable to one or more payment card holders; retrieving, from one or more databases, a second set of information including merchant information associated with the purchasing and payment activity; retrieving, from one or more databases, a third set of information including sales technique information; analyzing the first set of information and the second set of information to generate one or more predictive payment card holder profiles; and correlating the one or more predictive payment card holder profiles with the sales technique information to identify payment card holder preference for the certain sales technique. A system for identifying payment card holder preference for a certain sales technique is also provided.
摘要翻译：一种用于识别某种销售技术的支付卡持有者偏好的方法。该方法涉及从一个或多个数据库检索包括归属于一个或多个支付卡持有者的购买和支付活动信息的第一组信息; 从一个或多个数据库检索包括与购买和支付活动相关联的商家信息的第二组信息; 从一个或多个数据库检索包括销售技术信息的第三组信息; 分析第一组信息和第二组信息以产生一个或多个预测性支付卡持有者简档; 以及将所述一个或多个预测性支付卡持有者简档与所述销售技术信息相关联，以识别所述某些销售技术的支付卡持有者偏好。还提供了用于识别某种销售技术的支付卡持有者偏好的系统。

9. 发明申请

US20150066743A1 SYSTEM AND METHOD FOR SOCIALLY CONNECTING PAYMENT CARD HOLDERS 有权
标题翻译：用于社会连接付款卡持有人的系统和方法
公开(公告)号：US20150066743A1
公开(公告)日：2015-03-05
申请号：US14018589
申请日：2013-09-05
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Jean Pierre Gerard , Kent Olof Niklas Berntsson , Ali Kristen Taylor
IPC分类号： G06Q20/22 , G06Q50/00
CPC分类号： G06Q20/227 , G06Q20/02 , G06Q20/0855 , G06Q50/01
摘要： A method for socially connecting payment card holders is provided. The method involves providing one or more databases configured to store payment card holder information including at least purchasing and payment activities attributable to the payment card holders; providing one or more databases configured to store payment card holder profiles; generating the payment card holder profiles based on the payment card holder information; providing the payment card holder profiles to payment card holders that have been granted access to the one or more databases configured to store the payment card holder profiles; and effecting targeted interaction between the payment card holders based at least in part on the payment card holder profiles. A system for socially connecting payment card holders is also provided.
摘要翻译：提供了一种用于社交连接支付卡持有人的方法。该方法包括提供一个或多个数据库，其被配置为存储包括至少可归属于支付卡持有者的购买和支付活动的支付卡持有者信息; 提供配置成存储支付卡持有者简档的一个或多个数据库; 基于支付卡持有者信息生成支付卡持有者简档; 向支付卡持有者提供支付卡持有者简档，该支付卡持有者被授权访问被配置为存储支付卡持有者简档的一个或多个数据库; 并且至少部分地基于所述支付卡持有者简档来实现所述支付卡持有者之间的目标交互。还提供了一种用于社交连接支付卡持有者的系统。

10. 发明授权

US11270323B2 Embedding web page content based on an individual level learning mechanism 有权
公开(公告)号：US11270323B2
公开(公告)日：2022-03-08
申请号：US16905715
申请日：2020-06-18
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Jean Pierre Gerard , Shen Xi Meng , Po Hu
IPC分类号： G06Q30/02
摘要： Disclosed herein are systems and methods of individual level learning that include receiving purchase event data from a merchant device that indicates that a purchase event occurred by a user on a user device, and transmitting the purchase event data to an analytics server. The methods may also include processing the purchase event data. The processing may include calculating a time gap for each of two sequential purchase events in a list of purchase events, and calculating an average duration of consecutive events by averaging all of the purchase events in the list of purchase events. The method may determine a purchase hazard probability that a purchase event will occur on a given day, when the average duration of consecutive events is larger than a standard deviation of the event occurring. When the purchase hazard probability is above a threshold, the system may push a message to the user device.

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