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1. 发明申请

US20150220937A1 SYSTEMS AND METHODS FOR APPENDING PAYMENT NETWORK DATA TO NON-PAYMENT NETWORK TRANSACTION BASED DATASETS THROUGH INFERRED MATCH MODELING 审中-公开
标题翻译：将支付网络数据附加到基于非支付网络交易的数据通过引入匹配建模的系统和方法
公开(公告)号：US20150220937A1
公开(公告)日：2015-08-06
申请号：US14169749
申请日：2014-01-31
申请人： MasterCard International Incorporated
发明人： Marianne Iannace , Luckner B. Polycarpe
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0201
摘要： A method includes receiving a first data set and a second data set. The first data set may include anonymized transaction data that represents purchase transactions made by customers of a merchant. The second data set may include anonymized transaction data that represents purchase transactions made by cardholders in a payment network. The method further includes filtering the second data set to remove therefrom data relating to cardholders who are not customers of the merchant, and processing the first data set and the filtered second data set using a probabilistic engine to establish linkages between data in the first data set and data in the filtered second data set. The method may also include analyzing data in the filtered second data set to generate one or more of shopping habits data, classification data and attribute data with respect to customers of the merchant.
摘要翻译：一种方法包括接收第一数据集和第二数据集。第一数据集可以包括匿名的交易数据，其表示商家的客户进行的购买交易。第二数据集可以包括代表支付网络中的持卡人进行的购买交易的匿名交易数据。该方法还包括过滤第二数据集以从其中移除与不是商户的客户的持卡人有关的数据，以及使用概率引擎处理第一数据集和滤波后的第二数据集以建立第一数据集中的数据之间的联系和过滤的第二数据集中的数据。该方法还可以包括分析经滤波的第二数据集中的数据以生成关于商家的客户的购物习惯数据，分类数据和属性数据中的一个或多个。

2. 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。

3. 发明申请

US20150220945A1 SYSTEMS AND METHODS FOR DEVELOPING JOINT PREDICTIVE SCORES BETWEEN NON-PAYMENT SYSTEM MERCHANTS AND PAYMENT SYSTEMS THROUGH INFERRED MATCH MODELING SYSTEM AND METHODS 审中-公开
标题翻译：通过推荐的配对建模系统和方法开发非支付系统商品与支付系统之间的联合预测分数的系统和方法
公开(公告)号：US20150220945A1
公开(公告)日：2015-08-06
申请号：US14169866
申请日：2014-01-31
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Marianne Iannace , Luckner B. Polycarpe
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0202
摘要： A method includes receiving a first data set and a second data set. The first data set may include anonymized transaction data that represents purchase transactions made by customers of a merchant. The second data set may include anonymized transaction data that represents purchase transactions made by cardholders in a payment network. The method further includes filtering the second data set to remove therefrom data relating to cardholders who are not customers of the merchant, and processing the first data set and the filtered second data set using a probabilistic engine to establish linkages between data in the first data set and data in the filtered second data set. The method may also include performing a predictive analysis based on one or more independent variables from the second data set and with a dependent variable represented in the first data set.
摘要翻译：一种方法包括接收第一数据集和第二数据集。第一数据集可以包括匿名的交易数据，其表示商家的客户进行的购买交易。第二数据集可以包括代表支付网络中的持卡人进行的购买交易的匿名交易数据。该方法还包括过滤第二数据集以从其中移除与不是商户的客户的持卡人有关的数据，以及使用概率引擎处理第一数据集和滤波后的第二数据集以建立第一数据集中的数据之间的联系和过滤的第二数据集中的数据。该方法还可以包括基于来自第二数据集的一个或多个独立变量以及在第一数据集中表示的从属变量执行预测分析。

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.

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