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1. 发明申请

US20170186021A1 METHOD AND SYSTEM FOR IDENTIFYING HIGH GROWTH E-COMMERCE BUSINESSES 审中-公开
公开(公告)号：US20170186021A1
公开(公告)日：2017-06-29
申请号：US14982675
申请日：2015-12-29
申请人： MasterCard International Incorporated
发明人： Edward Lee , Pavel Umanski , Nadine Davey-Rogers , Serge Bernard , Henry Weinberger
IPC分类号： G06Q30/02 , G06Q50/00 , G06Q40/00
CPC分类号： G06Q30/0201 , G06Q40/12 , G06Q50/01
摘要： A method for identifying a high growth business from combined data sets comprising: storing, a plurality of data elements configured to store at least a merchant identifier, acceptance flag, transaction date, and transaction amount; receiving, a merchant growth request command including at least a specific merchant identifier associated with a specific merchant; executing, a query on the transaction database to identify a subset of transaction messages; determining, a transaction volume over time for the specific merchant based on at least the transaction amount and transaction date; identifying, social media data associated with the specific merchant, and a growth index for the specific merchant based on at least the transaction volume over time determined for the specific merchant and the measure of social media presence over time based on the associated dates.

2. 发明申请

US20150348121A1 EVENT SEATING FOR TICKET BUYERS 审中-公开
标题翻译：活动门票买家
公开(公告)号：US20150348121A1
公开(公告)日：2015-12-03
申请号：US14291264
申请日：2014-05-30
申请人： MasterCard International Incorporated
发明人： Edward Lee , Marianne Iannace
IPC分类号： G06Q30/02 , G06Q10/02
CPC分类号： G06Q30/0269 , G06Q10/02
摘要： A method includes receiving, from a user, a request for seating at an event. The method further includes fulfilling the request for seating, based at least in part on spending habit information for the user, where the spending habit information is derived from data indicative of payment card account transactions by the user.
摘要翻译：一种方法包括从用户接收在事件中的座位请求。该方法还包括至少部分地基于用户的消费习惯信息完成座位请求，其中消费习惯信息是从用户指示支付卡帐户交易的数据导出的。

3. 发明申请

US20150206153A1 METHOD AND SYSTEM FOR INDEXING CONSUMER SENTIMENT OF A MERCHANT 审中-公开
标题翻译：用于指导商品的消费者认知的方法和系统
公开(公告)号：US20150206153A1
公开(公告)日：2015-07-23
申请号：US14159766
申请日：2014-01-21
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Edward Lee
IPC分类号： G06Q30/02 , G06F17/30 , G06Q50/00
CPC分类号： G06Q30/0201 , G06Q50/01
摘要： A method and a system are provided for indexing consumer sentiment of a merchant. The method includes retrieving from one or more databases a first set of information comprising categorization of merchants, and retrieving from one or more databases a second set of information comprising social media information indicative of consumer sentiment of a merchant for a defined time period. The method further includes generating one or more indices based on the first set of information and the second set of information, and assessing consumer sentiment of a merchant, based on the one or more indices. The systems and methods are provided for determining consumer sentiment trending for a merchant relative to its industry. The systems and methods determine how consumers feel about a merchant relative to the merchant's industry by indexing. The indices can be trended over time.
摘要翻译：提供了一种用于索引商家消费者情绪的方法和系统。该方法包括从一个或多个数据库检索包括商户分类的第一组信息，以及从一个或多个数据库中检索包括在指定时间段内指示商家的消费者情绪的社交媒体信息的第二组信息。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索引，并且基于一个或多个索引来评估商家的消费者情绪。提供的系统和方法用于确定商家相对于其行业的消费者情绪趋势。系统和方法通过索引确定消费者对商家相对于商家行业的感受。指数可能会随着时间的推移而趋势。

4. 发明授权

US10032231B2 Inferred matching of payment card accounts by matching to common mobile device via time and location data analysis 有权
公开(公告)号：US10032231B2
公开(公告)日：2018-07-24
申请号：US14521814
申请日：2014-10-23
申请人： MasterCard International Incorporated
发明人： Edward Lee , Luckner B. Polycarpe , Kent Olof Niklas Berntsson
IPC分类号： G06Q30/00 , G06Q40/00 , G06Q30/02
摘要： Payment card account transaction data sets and mobile device travel profiles are compared with each other to detect matches in terms of times and locations of use and/or presence. Such an analysis may link two or more payment card accounts to the same mobile device. Consequently, common ownership of the two or more payment card accounts may be reasonably inferred. Based on the inference of common ownership, marketing related analysis may be performed on a combined transaction data set that reflects transactions in both commonly owned payment card accounts.

5. 发明申请

US20170083925A1 Systems, Methods, Apparatus, and Computer-Readable Media for College Rating Using Consumer Purchase Transaction Data 审中-公开
公开(公告)号：US20170083925A1
公开(公告)日：2017-03-23
申请号：US14859037
申请日：2015-09-18
申请人： MasterCard International Incorporated
发明人： Qian Wang , Tong Zhang , Edward Lee
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0201 , G06Q50/2053
摘要： Systems, methods, apparatus, and computer-readable media are described herein for using data from recent consumer purchase transactions to indicate a comparative level of current interest for each among a number of colleges.

6. 发明申请

US20160350726A1 VEHICLE MAINTENANCE REMINDERS GENERATED FROM ANALYSIS OF PAYMENT TRANSACTION DATA 审中-公开
标题翻译：从付款交易数据分析中产生的车辆维护提示
公开(公告)号：US20160350726A1
公开(公告)日：2016-12-01
申请号：US14812337
申请日：2015-07-29
申请人： MasterCard International Incorporated
发明人： Edward Lee , Kenny Unser
IPC分类号： G06Q10/00
CPC分类号： G06Q10/20
摘要： A method includes analyzing payment account transaction data relevant to a motor vehicle. Based on at least one result of the analysis, an estimate is made concerning a number of miles traveled by the motor vehicle in a period since there was a vehicle maintenance transaction involving the motor vehicle. Based on at least one result of the estimation process, a notification is provided to a user of the motor vehicle concerning a need to obtain maintenance for the motor vehicle.
摘要翻译：一种方法包括分析与机动车相关的支付账户交易数据。基于分析的至少一个结果，对涉及机动车辆的车辆维护交易的一段时间内对机动车辆行驶的里程数进行估计。基于估计处理的至少一个结果，向机动车辆的用户提供关于需要获得机动车辆的维护的通知。

7. 发明申请

US20160071201A1 METHOD AND SYSTEM FOR IMPLEMENTING SELF-IMPOSED SPENDING LIMIT 审中-公开
标题翻译：用于实施自动支付限制的方法和系统
公开(公告)号：US20160071201A1
公开(公告)日：2016-03-10
申请号：US14481289
申请日：2014-09-09
申请人： MasterCard International Incorporated
发明人： Tong Zhang , Edward Lee , Qian Wang
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： A method for imposing spending limits includes: storing data related to a payment account; receiving a spending limit request from a consumer associated with the account, the request including a spending target and spending category; generating a budget including a starting spending limit and two or more periods of time; applying, to the account, a spending limit, such that a value of transactions funded by the account during a first period of time and related to the spending category cannot exceed the applied spending limit, wherein the applied spending limit is the starting spending limit; decreasing the applied spending limit after the first period of time, such that transactions funded by the account during a second period of time cannot exceed the decreased applied spending limit; and repeating the decreasing step until the applied spending limit is equal to the spending target.
摘要翻译：强制支出限额的方法包括：存储与付款账户有关的数据; 接收与该帐户相关联的消费者的支出限额请求，该请求包括支出目标和支出类别; 产生包括开始支出限额和两个或更多个时间段的预算; 向帐户申请支出限额，使得在第一时间段内由该帐户资助的与支出类别相关的交易的价值不能超过应用支出限额，其中应用支出限额是起始支出限额; 在第一个时间段之后减少适用的支出限额，使得在第二个时间段内由账户资助的交易不能超过应用支出限额的减少; 并重复下降步骤，直到应用支出限额等于支出目标。

8. 发明授权

US10417292B2 Method and system for assessment of retirement communities and residents 有权
公开(公告)号：US10417292B2
公开(公告)日：2019-09-17
申请号：US15200227
申请日：2016-07-01
申请人： MasterCard International Incorporated
发明人： Nadine Davey-Rogers , Serge Bernard , Henry Weinberger , Pavel Umanski , Edward Lee
IPC分类号： G06F17/30 , G06F16/9535 , H04L29/08 , G09B7/00 , G06F16/29 , G06F16/28 , G09B5/00
摘要： A method of identifying retirement communities, comprising: executing a query on the transaction database and the geo-demo database to identify a plurality of community clusters; electronically storing, a plurality of retirement community data, wherein each retirement community data includes a plurality of data elements including at least a first data element configured to store the plurality of community clusters; receiving, a data signal superimposed with profile information associated with a consumer, wherein the profile information includes a plurality of retirement community attributes identified by the consumer; and identifying one or more retirement communities based on attributes identified by the consumer, by querying the community clusters stored in the retirement community database for retirement community attributes identified by the consumer.

9. 发明申请

US20160117781A1 INFERRED MATCHING OF PAYMENT CARD ACCOUNTS BY MATCHING TO COMMON MOBILE DEVICE VIA TIME AND LOCATION DATA ANALYSIS 审中-公开
标题翻译：通过时间和位置数据分析通过匹配通用移动设备来支付付款卡账户的匹配
公开(公告)号：US20160117781A1
公开(公告)日：2016-04-28
申请号：US14521814
申请日：2014-10-23
申请人： MasterCard International Incorporated
发明人： Edward Lee , Luckner B. Polycarpe , Kent Olof Niklas Berntsson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/12 , G06Q30/0269
摘要： Payment card account transaction data sets and mobile device travel profiles are compared with each other to detect matches in terms of times and locations of use and/or presence. Such an analysis may link two or more payment card accounts to the same mobile device. Consequently, common ownership of the two or more payment card accounts may be reasonably inferred. Based on the inference of common ownership, marketing related analysis may be performed on a combined transaction data set that reflects transactions in both commonly owned payment card accounts.
摘要翻译：将支付卡账户交易数据集和移动设备旅行简档相互比较以根据使用和/或存在的时间和位置来检测匹配。这样的分析可以将两个或更多个支付卡帐户链接到相同的移动设备。因此，可以合理推断两个或更多个支付卡账户的共同所有权。基于共同所有权的推论，可以对反映在共同拥有的支付卡账户中的交易的组合交易数据集执行营销相关分析。

10. 发明申请

US20150161606A1 METHOD AND SYSTEM FOR ASSESSING FINANCIAL CONDITION OF A MERCHANT 审中-公开
标题翻译：评估商品财务状况的方法和系统
公开(公告)号：US20150161606A1
公开(公告)日：2015-06-11
申请号：US14103113
申请日：2013-12-11
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Edward Lee
IPC分类号： G06Q20/40 , G06Q50/00
CPC分类号： G06Q50/01
摘要： A method and a system are provided for assessing the financial condition of a merchant. The method involves retrieving from one or more databases, a first set of information including merchant aggregated payment card transaction data for a defined time period, and retrieving from one or more databases a second set of information including social media information indicative of consumer sentiment of the merchant for the defined time period. The method further involves analyzing the first set of information and the second set of information to identify one or more correlations between the merchant aggregated payment card transaction data and the social media information indicative of consumer sentiment of the merchant, and assessing the financial condition of a merchant, based on the one or more correlations. A merchant is informed in a timely manner of any changes in their financial condition, thereby allowing the merchant to take remedial action.
摘要翻译：提供了一种用于评估商家的财务状况的方法和系统。该方法涉及从一个或多个数据库中检索包括在一定时间段内的商户聚合支付卡交易数据的第一组信息，以及从一个或多个数据库检索第二组信息，所述第二组信息包括表示消费者情绪的社交媒体信息商家在规定的时间段内。该方法还包括分析第一组信息和第二组信息，以识别商户聚合的支付卡交易数据与指示商人的消费者情绪的社交媒体信息之间的一个或多个相关性，以及评估商家的财务状况商家，基于一个或多个相关性。及时通知商家财务状况的变化，从而允许商人采取补救措施。

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