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1. 发明申请

US20210142330A1 SYSTEMS AND METHODS FOR DETECTING OUT-OF-PATTERN TRANSACTIONS 有权
公开(公告)号：US20210142330A1
公开(公告)日：2021-05-13
申请号：US17151523
申请日：2021-01-18
申请人： Mastercard International Incorporated
发明人： Christopher John Merz , Joshua A. Allbright , Peng Yang
IPC分类号： G06Q20/40 , G06Q20/10
摘要： An inverse recommender system for detecting out-of-pattern payment transactions includes a memory device and a processor programmed to receive transaction data. The transaction data corresponds to historical payment transactions between account holders and merchants. The processor is programmed to generate a merchant correspondence matrix including the merchants and counters indicating the number of historical payment transactions between merchant pairs of the merchants and the account holders. The processor is programmed to store the merchant correspondence matrix in a memory device linking the merchant pairs to each account holder. The processor receives additional transaction data associated with a new payment transaction between an account holder and a merchant, and to generate an inverse recommender score for the new payment transaction based on the account holder's historical payment transaction data. The account holder's historical payment transaction data includes historical payment transaction data associated with the merchants visited by the account holder.

2. 发明申请

US20170352022A1 SYSTEM AND METHOD FOR DETERMINING SUBSCRIPTION INFORMATION BASED ON PAYMENT CARD TRANSACTION DATA OVER A PAYMENT CARD NETWORK 审中-公开
公开(公告)号：US20170352022A1
公开(公告)日：2017-12-07
申请号：US15171282
申请日：2016-06-02
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： David Senci , Peng Yang
IPC分类号： G06Q20/34 , G06Q20/40
CPC分类号： G06Q20/34 , G06Q20/401 , G06Q20/405 , G06Q30/0201
摘要： A payment card processing system is configured to filter payment card transaction records to pass exclusively records having merchant identification data corresponding to merchants offering items via subscription, interact with a plurality of data storage devices to write a new subscription record for a given transaction to generate a new record in a subscription record database responsive to determining that the transaction represents a new subscription record, based at least on the merchant identifier data and account data in the transaction, and periodically updating one or more existing subscriptions records in a subscription record database.

3. 发明申请

US20170351981A1 SYSTEMS AND METHODS FOR DETERMINING RESTAURANT CAPACITY LEVEL 审中-公开
公开(公告)号：US20170351981A1
公开(公告)日：2017-12-07
申请号：US15172046
申请日：2016-06-02
申请人： MasterCard International Incorporated
发明人： David J. Senci , Todd Woodruff , Peng Yang , Ravi Santosh Arvapally , Matt Scott Morice
IPC分类号： G06Q10/06 , G06Q30/02 , G06Q50/12
CPC分类号： G06Q10/0631 , G06Q30/0201 , G06Q50/12
摘要： A capacity analysis computing device for determining a restaurant capacity level is provided. The capacity analysis computing device is configured to store historical transaction data for a restaurant for a period of time, and analyze the historical transaction data to identify a maximum restaurant capacity for the restaurant over the period of time. The capacity analysis computing device is also configured to receive, from a user computing, a selected time interval for which a current capacity level is to be determined. The capacity analysis computing device is further configured to identify a similar historical time interval to the selected time interval, and determine a historical capacity level for the restaurant during the similar historical time interval. The capacity analysis computing device is further configured to assign the historical capacity level as the current capacity level for the restaurant, and display the current capacity level on the user computing device.

4. 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.

5. 发明申请

US20170053294A1 SYSTEMS AND METHODS FOR GENERATING RELATIONSHIPS VIA A PROPERTY GRAPH MODEL 审中-公开
标题翻译：通过物业图形模型生成关系的系统和方法
公开(公告)号：US20170053294A1
公开(公告)日：2017-02-23
申请号：US14829219
申请日：2015-08-18
申请人： MasterCard International Incorporated
发明人： Peng Yang , Wally Lo Faro , Ravi S. Arvapally , Chris J. Merz
IPC分类号： G06Q30/02 , G06Q20/34 , G06F17/30
摘要： A method of generating graph data components stored in a graph database is provided. The method is implemented using a graph component generator computing device in communication with a memory. The method comprises receiving transaction data from a relational database, wherein transaction data is derived from transactions, processed by a payment processor, between a first merchant of a plurality of merchants and a first cardholder of a plurality of cardholders, defining a graph including creating at least a first node representing at least the first merchant and a second node representing the first cardholder, identifying at least one relationship between at least two nodes including the first node and the second node in the graph based, at least in part, on transaction data common to the at least two nodes, and generating at least one edge between the at least two nodes, representing a new relationship between the at least two nodes.
摘要翻译：提供了一种生成图形数据库中存储的图形数据组件的方法。该方法使用与存储器通信的图形组件生成器计算设备来实现。该方法包括从关系数据库接收交易数据，其中交易数据从交易处理，由支付处理器处理，在多个商户的第一商家和多个持卡人之间的第一持卡人之间，定义图形，包括在至少第一节点至少代表第一商户和第二节点，代表第一持卡人，至少部分地基于交易数据来识别包括图中的第一节点和第二节点的至少两个节点之间的至少一个关系所述至少两个节点共用，并且在所述至少两个节点之间生成表示所述至少两个节点之间的新关系的至少一个边缘。

6. 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。

7. 发明授权

US10915838B2 Systems and methods for determining restaurant capacity level 有权
公开(公告)号：US10915838B2
公开(公告)日：2021-02-09
申请号：US15172046
申请日：2016-06-02
申请人： MasterCard International Incorporated
发明人： David J. Senci , Todd Woodruff , Peng Yang , Ravi Santosh Arvapally , Matt Scott Morice
IPC分类号： G06Q10/06 , G06Q30/02 , G06Q50/12 , G06Q10/02
摘要： A capacity analysis computing device for determining a restaurant capacity level is provided. The capacity analysis computing device is configured to store historical transaction data for a restaurant for a period of time, and analyze the historical transaction data to identify a maximum restaurant capacity for the restaurant over the period of time. The capacity analysis computing device is also configured to receive, from a user computing, a selected time interval for which a current capacity level is to be determined. The capacity analysis computing device is further configured to identify a similar historical time interval to the selected time interval, and determine a historical capacity level for the restaurant during the similar historical time interval. The capacity analysis computing device is further configured to assign the historical capacity level as the current capacity level for the restaurant, and display the current capacity level on the user computing device.

8. 发明授权

US10896424B2 Systems and methods for detecting out-of-pattern transactions 有权
公开(公告)号：US10896424B2
公开(公告)日：2021-01-19
申请号：US15794768
申请日：2017-10-26
申请人： Mastercard International Incorporated
发明人： Christopher John Merz , Joshua A. Allbright , Peng Yang
IPC分类号： G06Q40/00 , G06Q20/40 , G06Q20/10
摘要： An inverse recommender system for detecting out-of-pattern payment transactions includes a memory device and a processor programmed to receive transaction data. The transaction data corresponds to historical payment transactions between account holders and merchants. The processor is programmed to generate a merchant correspondence matrix including the merchants and counters indicating the number of historical payment transactions between merchant pairs of the merchants and the account holders. The processor is programmed to store the merchant correspondence matrix in a memory device linking the merchant pairs to each account holder. The processor receives additional transaction data associated with a new payment transaction between an account holder and a merchant, and to generate an inverse recommender score for the new payment transaction based on the account holder's historical payment transaction data. The account holder's historical payment transaction data includes historical payment transaction data associated with the merchants visited by the account holder.

9. 发明授权

US10657606B2 Computerized-methods and systems for identifying duplicate entries in a database of merchant data 有权
公开(公告)号：US10657606B2
公开(公告)日：2020-05-19
申请号：US16427737
申请日：2019-05-31
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Ravi Santosh Arvapally , Peng Yang
IPC分类号： G06Q40/00
摘要： Systems and methods are provided for verifying and/or confirming merchant data for multiple different transactions. One method generally includes accessing merchant data for a merchant where the merchant data includes a master merchant identifier for the merchant, and querying, by a computing device, multiple users as to which of a list of merchant data entries, for multiple different transactions and including different merchant identifiers, corresponds to the master merchant identifier for the merchant. The users are associated with a location within a predefined distance of the confirmed merchant and/or have performed one or more purchase transactions at the merchant. The method also generally includes receiving, at the computing device, a response from at least one of the users, in which the at least one of the users selects a data entry from the list, and determining whether to proceed in querying additional users.

10. 发明申请

US20180025292A1 SYSTEMS AND METHODS FOR OPTIMIZING TRAVEL BOOKINGS 审中-公开
公开(公告)号：US20180025292A1
公开(公告)日：2018-01-25
申请号：US15214128
申请日：2016-07-19
申请人： MasterCard International Incorporated
发明人： David J. Senci , Peng Yang
IPC分类号： G06Q10/02
CPC分类号： G06Q10/02 , G06Q10/06311 , G06Q30/0601 , G06Q50/12
摘要： Systems and methods for optimizing travel bookings. A travel analyzing computing device is configured to retrieve historic transaction data including addendum data from travel booking transactions of cardholders. The travel analyzing computing device then extracts booking information comprising booking dates, travel dates, and prices from the retrieved historic transaction data. The travel analyzing computing device is further configured to receive booking inquiries comprising a travel date. Based on the travel date indicated in the booking inquiry, the travel analyzing computing device generates booking data including an optimal booking date. The travel analyzing computing device may then transmit the booking data, including the optimal booking date, to the user computing device.

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