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1. 发明申请

US20170178155A1 Systems and Methods for Use in Evaluating Aggregate Merchant Sets 审中-公开
公开(公告)号：US20170178155A1
公开(公告)日：2017-06-22
申请号：US14978602
申请日：2015-12-22
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Ravi Santosh Arvapally , Matthew S. Morice , Walter F. Lo Faro
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0201
摘要： Systems and methods are provided for evaluating aggregate merchant sets, which are often generated by a payment network. One exemplary method includes accessing, by a computing device, a monitor score and a volatility score for an aggregate merchant set representative of multiple merchants having at least one disparate parameter in a transaction data structure, fuzzy sets for the monitor score and the volatility score comprising linguistic values, and inference rules that use the linguistic values in logical operations. The method also generally includes determining degrees of membership of the monitor score and volatility score to the associated fuzzy sets and generating an evaluation index based on the inference rules and the degrees of membership to the fuzzy sets, thereby providing an indication of a propriety of the aggregation of said multiple merchants.

2. 发明申请

US20170169500A1 SYSTEMS AND METHODS FOR GENERATING RECOMMENDATIONS USING A CORPUS OF DATA 审中-公开
公开(公告)号：US20170169500A1
公开(公告)日：2017-06-15
申请号：US15374751
申请日：2016-12-09
申请人： Mastercard International Incorporated
发明人： Christopher John Merz , Walter F. Lo Faro , Peng Yang
IPC分类号： G06Q30/06 , G06F7/08
CPC分类号： G06Q30/0631 , G06F7/08 , G06Q30/0255 , G06Q30/0282 , G06Q30/0625
摘要： A method and system for recommending a merchant are provided. The method includes receiving financial transaction data documenting financial transactions between a plurality of account holders and a plurality of merchants and generating a merchant correspondence matrix that includes the plurality of merchants and a plurality of indicators of interactions associated with pairs of the plurality of merchants. The plurality of indicators of interactions tallying financial transactions conducted by the plurality of account holders at both of the merchants in a pair of the plurality of merchants. The method further includes receiving a query for a recommendation of a merchant from an account holder and generating a ranked list of merchants based on a recommender algorithm. The recommender algorithm inferring user preferences from attributes of the plurality of merchants that were visited by the cardholder.

3. 发明申请

US20210304207A1 SYSTEMS AND METHODS FOR MONITORING MACHINE LEARNING SYSTEMS 有权
公开(公告)号：US20210304207A1
公开(公告)日：2021-09-30
申请号：US17345642
申请日：2021-06-11
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Walter F. Lo Faro , MohammadMehdi Kafashan , Elieser J. Barrios , Xiaoying Zhang , Ravi Santosh Arvapally , Xianzhe Zhou
IPC分类号： G06Q20/40 , G06N20/00 , G06N5/04 , G06Q40/02
摘要： Systems and methods are provided for performing anomaly detection. One example method relates to transaction data including fraud scores output by a fraud score model generated by a machine learning system. The method includes determining, by a computing device, divergence values for multiple segments of payment accounts between baseline distributions of fraud scores and current distributions of fraud scores for the segments and detecting, by the computing device, at least one of the divergence values for at least one of the multiple segments as an anomaly. The method also includes categorizing, by the computing device, the detected anomaly into one of multiple categories, whereby the one of the multiple categories is indicative of a type of issue associated with the detected anomaly.

4. 发明申请

US20180052761A1 Systems and Methods for Use in Distributed and Incentivized Code Testing 有权
公开(公告)号：US20180052761A1
公开(公告)日：2018-02-22
申请号：US15239404
申请日：2016-08-17
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Matthew Scott Morice , Ravi Santosh Arvapally , Walter F. Lo Faro
IPC分类号： G06F11/36 , G06Q30/02
CPC分类号： G06F11/3668 , G06Q30/0239
摘要： Systems and methods are provided for use in distributing code testing tasks among multiple testers, and incentivizing testing with rewards. One exemplary method includes testing, by a computing device, a code set, where the testing is performed by a tester associated with a profile, and receiving, by the computing device, peer tester feedback based on the testing of the code set, where the peer tester feedback is associated with at least one peer tester profile. The method also includes receiving, by the computing device, a developer decision based on the testing of the code set and/or the peer tester feedback, and rewarding, by the computing device, the profile of the tester and/or the at least one peer tester profile when the developer decision agrees with the testing of the code set and/or the tester feedback associated with the at least one peer tester profile.

5. 发明授权

US09898391B1 Systems and methods for use in distributed and incentivized code testing 有权
公开(公告)号：US09898391B1
公开(公告)日：2018-02-20
申请号：US15239404
申请日：2016-08-17
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Matthew Scott Morice , Ravi Santosh Arvapally , Walter F. Lo Faro
IPC分类号： G06F9/44 , G06F11/36 , G06Q30/02
CPC分类号： G06F11/3668 , G06Q30/0239
摘要： Systems and methods are provided for use in distributing code testing tasks among multiple testers, and incentivizing testing with rewards. One exemplary method includes testing, by a computing device, a code set, where the testing is performed by a tester associated with a profile, and receiving, by the computing device, peer tester feedback based on the testing of the code set, where the peer tester feedback is associated with at least one peer tester profile. The method also includes receiving, by the computing device, a developer decision based on the testing of the code set and/or the peer tester feedback, and rewarding, by the computing device, the profile of the tester and/or the at least one peer tester profile when the developer decision agrees with the testing of the code set and/or the tester feedback associated with the at least one peer tester profile.

6. 发明申请

US20220036429A1 SYSTEMS AND METHODS FOR GENERATING RECOMMENDATIONS USING A CORPUS OF DATA 有权
公开(公告)号：US20220036429A1
公开(公告)日：2022-02-03
申请号：US17502839
申请日：2021-10-15
申请人： Mastercard International Incorporated
发明人： Christopher John Merz , Walter F. Lo Faro , Peng Yang
IPC分类号： G06Q30/06 , G06Q30/02 , G06F7/08
摘要： A method and system for recommending a merchant are provided. The method includes receiving financial transaction data documenting financial transactions between a plurality of account holders and a plurality of merchants and generating a merchant correspondence matrix that includes the plurality of merchants and a plurality of indicators of interactions associated with pairs of the plurality of merchants. The plurality of indicators of interactions tallying financial transactions conducted by the plurality of account holders at both of the merchants in a pair of the plurality of merchants. The method further includes receiving a query for a recommendation of a merchant from an account holder and generating a ranked list of merchants based on a recommender algorithm. The recommender algorithm inferring user preferences from attributes of the plurality of merchants that were visited by the cardholder.

7. 发明申请

US20190251559A1 METHOD AND SYSTEM FOR PREDICTING FUTURE CARDHOLDER BEHAVIOR 审中-公开
公开(公告)号：US20190251559A1
公开(公告)日：2019-08-15
申请号：US16396268
申请日：2019-04-26
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Walter F. Lo Faro , Christopher J. Merz
IPC分类号： G06Q20/38 , G06Q30/02 , G06Q20/34 , G06Q20/40 , G07F7/10
CPC分类号： G06Q20/389 , G06Q20/357 , G06Q20/405 , G06Q30/0203 , G06Q30/0226 , G07F7/1008
摘要： A computer-based method for managing a profile for a cardholder is provided. The cardholder having an account associated with a payment card. The method includes electronically receiving, at the computer, transaction information for a cardholder for transactions with at least a first business entity and a second business entity, the transaction information including data representing each transaction initiated by the cardholder using the payment card and at least one subdivision within the first business entity, the transaction information further including data representing each transaction initiated by the cardholder using the payment card and the second business entity. The method also includes electronically storing the transaction information within the database, generating a profile of the stored transaction information for the cardholder, the profile including a type, a recency and a frequency of transactions initiated by the cardholder using the payment card and the at least one subdivision, grouping the cardholder into a single cluster with other cardholders registered within the payment card network based on the profile of the cardholder and the other cardholders, and outputting marketing information based on the cluster.

8. 发明申请

US20160239847A1 Systems and Methods for Processing Support Messages Relating to Features of Payment Networks 审中-公开
标题翻译：用于处理与支付网络特征相关的支持消息的系统和方法
公开(公告)号：US20160239847A1
公开(公告)日：2016-08-18
申请号：US14801413
申请日：2015-07-16
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Ravi Santosh Arvapally , Peng Yang , Walter F. Lo Faro , Kimberly S. Rodgers-Stewart
IPC分类号： G06Q30/00
CPC分类号： G06Q30/016
摘要： Systems and methods are provided for processing messages from users, via interactive interfaces, requesting support relating to features of applications available to the users. In connection therewith, the systems and methods normalize and score the user messages, and use the scores, in combination with scores for historical messages or scores for crowdsourced messages, to identify appropriate response messages for transmittal to the users. In various aspects, the crowdsourced solutions can be voted by both users and domain experts, and also verified by the domain experts. If a solution is verified it will be flagged and it can be included into a reference solution database as a standard response. However, when the scores assigned to the messages do not produce suitable results, a request for additional information relating to the issue described by the user is transmitted via the interactive interface.
摘要翻译：提供了系统和方法来处理来自用户的消息，经由交互界面，请求与用户可用的应用的特征有关的支持。与此相关，系统和方法对用户消息进行归一化和评分，并将得分结合用于众包消息的历史消息或分数的分数，以识别用于传送给用户的适当响应消息。在各方面，众包解决方案可由用户和域名专家投票，并由域专家进行验证。如果解决方案被验证，它将被标记，并且可以作为标准响应被包括在参考解决方案数据库中。然而，当分配给消息的分数不产生合适的结果时，通过交互界面来传送与由用户描述的问题有关的附加信息的请求。

9. 发明申请

US20150106244A1 SYSTEMS AND METHODS FOR ASSOCIATING RELATED MERCHANTS 审中-公开
标题翻译：涉及相关商品的制度和方法
公开(公告)号：US20150106244A1
公开(公告)日：2015-04-16
申请号：US14054340
申请日：2013-10-15
申请人： MasterCard International Incorporated
发明人： Walter F. Lo Faro
IPC分类号： G06Q40/00
CPC分类号： G06Q40/12
摘要： A computer-implemented method for associating a merchant with an aggregate merchant uses a computing device having a processor and a memory. The method includes identifying an association rule for the aggregate merchant, including one or more antecedents. Each antecedent includes a model value for the antecedent associated with the aggregate merchant. The method also includes identifying one or more merchant data values associated with the merchant. Each of the one or more merchant data values correspond to one of the one or more antecedents. The method further includes applying the association rule to the one or more merchant data values by comparing the model value for each antecedent with a merchant data value associated with the corresponding antecedent, thereby generating a confidence score for the merchant. The confidence score represents a likelihood the merchant is associated with the aggregate merchant. The method also includes outputting the confidence score.
摘要翻译：用于将商家与聚合商家相关联的计算机实现的方法使用具有处理器和存储器的计算设备。该方法包括识别总商人的关联规则，包括一个或多个前提。每个先行词包括与总商家相关联的前提的模型值。该方法还包括识别与商家相关联的一个或多个商家数据值。一个或多个商家数据值中的每一个对应于一个或多个前提中的一个。该方法还包括通过将每个先行词的模型值与与相应先前相关联的商家数据值进行比较来将关联规则应用于一个或多个商家数据值，从而为商家生成置信度得分。置信度分数表示商家与总商家相关联的可能性。该方法还包括输出置信度分数。

10. 发明授权

US11087337B2 Systems and methods for use in evaluating aggregate merchant sets 有权
公开(公告)号：US11087337B2
公开(公告)日：2021-08-10
申请号：US16667423
申请日：2019-10-29
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Ravi Santosh Arvapally , Matthew S. Morice , Walter F. Lo Faro
IPC分类号： G06Q30/02
摘要： Systems and methods are provided for evaluating aggregate merchant sets, which are often generated by a payment network. One exemplary method includes accessing, by a computing device, a monitor score and a volatility score for an aggregate merchant set representative of multiple merchants having at least one disparate parameter in a transaction data structure, fuzzy sets for the monitor score and the volatility score comprising linguistic values, and inference rules that use the linguistic values in logical operations. The method also generally includes determining degrees of membership of the monitor score and volatility score to the associated fuzzy sets and generating an evaluation index based on the inference rules and the degrees of membership to the fuzzy sets, thereby providing an indication of a propriety of the aggregation of said multiple merchants.

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