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31. 发明申请

US20160350759A1 SYSTEMS AND METHODS FOR FRAUD DETECTION BY TRANSACTION TICKET SIZE PATTERN 有权
公开(公告)号：US20160350759A1
公开(公告)日：2016-12-01
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： G06Q20/40 , G06Q20/34
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.

32. 发明申请

US20150356575A1 METHODS AND SYSTEMS FOR PREDICTING ONLINE AND IN-STORE PURCHASING 审中-公开
标题翻译：用于预测在线和存储购买的方法和系统
公开(公告)号：US20150356575A1
公开(公告)日：2015-12-10
申请号：US14301025
申请日：2014-06-10
申请人： MasterCard International Incorporated
发明人： Po Hu , Qian Wang , Shen Xi Meng
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0202
摘要： A method and system for predicting online and in-store purchasing by a cardholder using a computer device coupled to a database are provided. The method includes receiving a set of active cardholders along with their corresponding historical transaction information, categorizing the set of cardholders based on predefined parameters, and selecting a representative subset of cardholders from the categorized set of cardholders. The method also includes analyzing the historical transaction information for each of the cardholders included within the subset of cardholders and grouping each cardholder included within the subset of cardholders to one of an online shopper group or a physical store shopper group. The method further includes developing a model based on the analyzed historical transaction information and the grouping of the cardholders and applying the model to a candidate cardholder to predict a likelihood that the candidate cardholder will purchase an item online or from a physical store.
摘要翻译：提供了一种用于使用耦合到数据库的计算机设备来预测持卡人的在线和店内购买的方法和系统。该方法包括接收一组主动持卡人及其对应的历史交易信息，根据预定义的参数对持卡人集进行分类，以及从分类的持卡人组中选择持卡人的代表性子集。该方法还包括分析包括在持卡人子集内的每个持卡人的历史交易信息，并且将包括在持卡人子集内的每个持卡人分组到在线购物者组或实体商店购物者组之一。该方法还包括基于所分析的历史交易信息和持卡人的分组开发模型，并将模型应用于候选持卡人以预测候选持卡人在线或从实体商店购买商品的可能性。

33. 发明申请

US20150294334A1 MODELING PROCEDURE COMBINING PURCHASE TRANSACTION DATA WITH SURVEY AND DEMOGRAPHIC DATA 审中-公开
标题翻译：建模过程组合采购交易数据与调查和人口数据
公开(公告)号：US20150294334A1
公开(公告)日：2015-10-15
申请号：US14249754
申请日：2014-04-10
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Shen Xi Ming , Po Hu , Qian Wang
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0205 , G06Q30/0203
摘要： Credit card transaction data sources are selectively linked with survey data sources and other external data sources to generate a data model for selected business applications. Transaction data at a customer level or at a geographic level may be linked with the survey data source. A survey data source may be configured for linking with a transaction data source to generate a model for export to external or internal processes. The survey data source may include linkages with the external data sources and/or with other internal data sources. Linkage models based on the transaction data may be incorporated in a financial data product or fed to downstream processes.
摘要翻译：信用卡交易数据源与调查数据源和其他外部数据源选择性关联，以生成选定业务应用程序的数据模型。在客户层面或地理层面的交易数据可以与调查数据源相关联。可以将调查数据源配置为与事务数据源链接以生成用于导出到外部或内部进程的模型。调查数据源可以包括与外部数据源和/或其他内部数据源的联系。基于交易数据的联动模型可以并入到金融数据产品中或者被馈送到下游流程。

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