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1. 发明授权

US10163147B2 Systems and methods of location based merchant recommendations 有权
公开(公告)号：US10163147B2
公开(公告)日：2018-12-25
申请号：US14966838
申请日：2015-12-11
申请人： MasterCard International Incorporated
发明人： Edward M. Lee , Tong Zhang , Qian Wang
IPC分类号： G06Q30/00 , G06Q30/06
摘要： A method for generating a list of recommended merchants based on an input merchant is provided. The method uses a recommender computing device. The method includes receiving an input merchant identifier, retrieving a first electronic data signal based on the input merchant identifier including historical transaction data of the input merchant including historical payment transactions initiated by candidate cardholders with the input merchant, and storing a list of the candidate cardholders. The method further includes retrieving a second electronic data signal that includes historical transaction data for at least some of the candidate cardholders included in the list of candidate cardholders and a candidate merchant identifier that identifies the candidate merchants, generating a list of candidate merchants from the second data signal including a ranking of the candidate merchants, and generating a list of recommended merchants based on the list of candidate merchants.

2. 发明申请

US20180349906A9 SYSTEMS AND METHODS FOR FRAUD DETECTION BY TRANSACTION TICKET SIZE PATTERN 审中-公开
公开(公告)号：US20180349906A9
公开(公告)日：2018-12-06
申请号：US15868640
申请日：2018-01-11
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Qian Wang , Po Hu , Ramamohan R. Sangasani
IPC分类号： G06Q20/40 , G06Q20/34 , G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/34 , G06Q20/405 , G06Q40/00
摘要： A method and system for detecting fraud in a payment card network using a pattern of transaction ticket size are provided. The method including receiving transaction information, for a current financial transaction, from at least one of a merchant point of sale (POS) device and a merchant website, the transaction information including a current transaction amount, the transaction information associated with a single payment card cardholder, retrieving a predetermined number of historical transactions for the single cardholder based on the transaction information, and generating a historical spend ticket size pattern based on average ticket size and dispersions for at least one of the same store, similar stores, and relevant merchant categories. The method further including comparing the current transaction amount to the historical spend ticket size pattern and generating a recommendation for approval or decline of the current financial transaction based on the comparison.

3. 发明申请

US20170193550A1 SYSTEMS AND METHODS FOR GENERATING TRAVEL RECOMMENDATIONS 审中-公开
公开(公告)号：US20170193550A1
公开(公告)日：2017-07-06
申请号：US14984559
申请日：2015-12-30
申请人： MasterCard International Incorporated
发明人： Sukanyya Misra , Qian Wang , Jeremy Michael Pastore , Matthew Haisley
IPC分类号： G06Q30/02 , G06Q10/02
CPC分类号： G06Q30/0255 , G06Q10/02
摘要： Systems and methods for recommending merchants at a travel destination of a cardholder are provided. A travel analyzing computing system may include a retriever configured to obtain transaction data including addendum data from a travel-based transaction of a cardholder, an analyzer configured to analyze the addendum data and extract a travel destination of the cardholder from the addendum data, a categorizer configured to determine a spending category of the cardholder, from among a plurality of spending categories, based upon historical transaction data of the cardholder, and a processor configured to recommend one or more merchants to the cardholder based upon the extracted travel destination and the determined spending category of the cardholder.

4. 发明申请

US20170169469A1 METHODS, SYSTEMS, NETWORKS, AND MEDIA FOR PREDICTING CARDHOLDER SPENDING, INCLUDING CULTURAL HERITAGE TOURIST (CHT) SPENDING 审中-公开
公开(公告)号：US20170169469A1
公开(公告)日：2017-06-15
申请号：US14965277
申请日：2015-12-10
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Shen Xi Meng , Po Hu , Qian Wang
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0255 , G06Q30/0201
摘要： Method for predicting cardholder spending can include storing information regarding payment card transactions of at least one cardholder at a database. Information regarding cultural heritage locations can be stored at the database. Merchants related to cultural heritage tourism can be automatically identified based on the information stored at the database. Based on the information regarding payment card transactions of each cardholder at the identified merchants, whether each cardholder is in a cultural heritage tourist target category can be automatically detected. Whether each cardholder is interested in additional cultural heritage tourism transactions can be predicted using a predictive model based on the information regarding payment card transactions, the information regarding cultural heritage locations, and the detected cultural heritage tourist target category. Systems, networks, and media are also disclosed.

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

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。

7. 发明申请

US20150169839A1 PRIVACY-COMPLIANT ANALYSIS OF HEALTH BY TRANSACTION DATA 有权
标题翻译：通过交易数据对健康进行隐私合规分析
公开(公告)号：US20150169839A1
公开(公告)日：2015-06-18
申请号：US14133081
申请日：2013-12-18
申请人： MasterCard International Incorporated
发明人： Tong Zhang , Qian Wang
IPC分类号： G06F19/00 , G06N99/00 , G06Q40/00
CPC分类号： G06F19/3431 , G06F19/00 , G06F19/328 , G06F19/3493 , G06Q40/12 , G16H50/30 , G16H50/80
摘要： Health-related data is accessed; as is a database of payment card transaction data. At least a portion of the health-related data is linked to at least a portion of the payment card transaction data to obtain linked data. Statistical analysis is carried out on the linked data, and the results of the statistical analysis are made available to at least one appropriate party. Privacy is protected, for example, via an opt-in approach or through data aggregation.
摘要翻译：访问健康相关数据; 以及支付卡交易数据的数据库。健康相关数据的至少一部分链接到支付卡交易数据的至少一部分以获得链接的数据。对相关数据进行统计分析，并将统计分析结果提供给至少一个适当方。隐私受到保护，例如，通过选择加入方式或通过数据聚合。

8. 发明授权

US11024427B2 Privacy-compliant analysis of health by transaction data 有权
公开(公告)号：US11024427B2
公开(公告)日：2021-06-01
申请号：US15656750
申请日：2017-07-21
申请人： MasterCard International Incorporated
发明人： Tong Zhang , Qian Wang
IPC分类号： G16H50/30 , G06Q40/00 , G16H50/80 , G06F19/00 , G06Q10/10
摘要： Health-related data is accessed; as is a database of payment card transaction data. At least a portion of the health-related data is linked to at least a portion of the payment card transaction data to obtain linked data. Statistical analysis is carried out on the linked data, and the results of the statistical analysis are made available to at least one appropriate party. Privacy is protected, for example, via an opt-in approach or through data aggregation.

9. 发明申请

US20180137513A1 SYSTEMS AND METHODS FOR FRAUD DETECTION BY TRANSACTION TICKET SIZE PATTERN 审中-公开
公开(公告)号：US20180137513A1
公开(公告)日：2018-05-17
申请号：US15868640
申请日：2018-01-11
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Qian Wang , Po Hu , Ramamohan R. Sangasani
IPC分类号： G06Q20/40 , G06Q20/34 , G06Q40/00
摘要： A method and system for detecting fraud in a payment card network using a pattern of transaction ticket size are provided. The method including receiving transaction information, for a current financial transaction, from at least one of a merchant point of sale (POS) device and a merchant website, the transaction information including a current transaction amount, the transaction information associated with a single payment card cardholder, retrieving a predetermined number of historical transactions for the single cardholder based on the transaction information, and generating a historical spend ticket size pattern based on average ticket size and dispersions for at least one of the same store, similar stores, and relevant merchant categories. The method further including comparing the current transaction amount to the historical spend ticket size pattern and generating a recommendation for approval or decline of the current financial transaction based on the comparison.

10. 发明授权

US09875475B2 Systems and methods for fraud detection by transaction ticket size pattern 有权
公开(公告)号：US09875475B2
公开(公告)日：2018-01-23
申请号：US15231299
申请日：2016-08-08
申请人： MasterCard International Incorporated
发明人： Qian Wang , Po Hu , Ramamohan R. Sangasani
IPC分类号： G06K5/00 , G06Q20/40 , G06Q20/34 , G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/34 , G06Q20/405 , G06Q40/00
摘要： A method and system for detecting fraud in a payment card network using a pattern of transaction ticket size are provided. The method including receiving transaction information, for a current financial transaction, from at least one of a merchant point of sale (POS) device and a merchant website, the transaction information including a current transaction amount, the transaction information associated with a single payment card cardholder, retrieving a predetermined number of historical transactions for the single cardholder based on the transaction information, and generating a historical spend ticket size pattern based on average ticket size and dispersions for at least one of the same store, similar stores, and relevant merchant categories. The method further including comparing the current transaction amount to the historical spend ticket size pattern and generating a recommendation for approval or decline of the current financial transaction based on the comparison.

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