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1. 发明申请

US20160364743A1 DATA ENHANCEMENT ANALYSIS WITH RESPECT TO MERCHANTS' CUSTOMER LOYALTY ACCOUNTS 审中-公开
标题翻译：关于商品客户贷款账户的数据增值分析
公开(公告)号：US20160364743A1
公开(公告)日：2016-12-15
申请号：US14737017
申请日：2015-06-11
申请人： MasterCard International Incorporated
发明人： Lindsay St. Lawrence , Pamela Veraart , Steven Oshry , Adam Slackman , Luckner Polycarpe
IPC分类号： G06Q30/02 , G06Q20/38
CPC分类号： G06Q30/0233 , G06Q20/387
摘要： A first set of transaction data is received from a merchant. The first set of transaction data represents a plurality of customer profiles. Each of the customer profiles corresponds to a respective account in a customer loyalty program administered by the merchant. A second set of transaction data is received from the merchant. The second set of transaction data represents unattached transactions involving the merchant but not associated by the merchant with any of the customer loyalty program accounts. Payment account numbers associated with the unattached transactions are used to link ones of the unattached transactions to respective ones of the customer loyalty program accounts.
摘要翻译：从商家接收第一组交易数据。第一组交易数据表示多个客户简档。每个客户资料对应于由商家管理的客户忠诚度计划中的相应帐户。从商家接收第二组交易数据。第二组交易数据表示涉及商家的未连接的交易，但不由商家与任何客户忠诚度计划帐户相关联。与未连接的交易相关联的付款帐号用于将未连接交易中的一些与相应的客户忠诚度计划帐户相关联。

2. 发明申请

US20160117689A1 PROCESS AND APPARATUS FOR ASSIGNING A MATCH CONFIDENCE METRIC FOR INFERRED MATCH MODELING 审中-公开
标题翻译：用于分配用于引入匹配建模的匹配置信度的过程和装置
公开(公告)号：US20160117689A1
公开(公告)日：2016-04-28
申请号：US14524678
申请日：2014-10-27
申请人： MasterCard International Incorporated
发明人： Steven Oshry , Luckner Polycarpe , Pamela Veraart
IPC分类号： G06Q30/02 , H04L29/06 , G06F17/30
CPC分类号： G06Q30/0201 , G06F16/24 , G06F16/24556 , H04L63/04
摘要： Systems, methods, means, computer program code and computerized processes include receiving a first set of de-identified transaction data from a first transaction data source, receiving a second set of de-identified transaction data from a second transaction data source, removing data associated with an identifier field for each of the transactions in the first data set to created a de-identified first data set, removing data associated with an identifier field for each of the transactions in the second data set to create a de-identified second data set, and processing the first and second de-identified data sets using a probabilistic engine to establish a linkage between data in each data set. The probabilistic engine may assign probability scores to pairs of data profiles based on two-way matching of transactions and based at least partly on matching of transactions to nearest neighbors.
摘要翻译：系统，方法，手段，计算机程序代码和计算机化过程包括从第一交易数据源接收第一组未识别的交易数据，从第二交易数据源接收第二组未识别的交易数据，具有用于第一数据集中的每个事务的标识符字段以创建未识别的第一数据集，去除与第二数据集中的每个事务的标识符字段相关联的数据，以创建未识别的第二数据集并且使用概率引擎来处理第一和第二去除数据集，以建立每个数据集中的数据之间的联系。概率引擎可以基于事务的双向匹配将概率分数分配给数据配对文件，并且至少部分地基于事务与最近邻居的匹配。

3. 发明授权

US10943203B2 Geographic region modification tool for database query enhancement 有权
公开(公告)号：US10943203B2
公开(公告)日：2021-03-09
申请号：US15859959
申请日：2018-01-02
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Steven Bruce Oshry , Luckner Polycarpe
IPC分类号： G06Q10/06 , G06Q20/34 , G06F16/29 , G06F16/9537
摘要： A computer-implemented system is configured to, responsive to failure of anonymity threshold criteria of a payment card transaction based dataset including a geographical region definition including solely a first geographical region, query a geographical information service for data indicative of geographical regions neighboring a first geographical region; iteratively query the payment card transaction based dataset using queries modifying the geographical region definition to include the first geographical region and one or more neighboring geographical regions; test returned results against the anonymity threshold criteria; and responsive to a positive test result, generating an approval indication for a data set.

4. 发明申请

US20160063526A1 METHOD AND SYSTEM FOR OPTIMIZING CUSTOMER VOLUME AT A MERCHANT STORE 审中-公开
标题翻译：在商业店优化客户体积的方法和系统
公开(公告)号：US20160063526A1
公开(公告)日：2016-03-03
申请号：US14471937
申请日：2014-08-28
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Edward M. Lee , Luckner Polycarpe , Kent Olof Niklas Berntsson
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0204 , G06Q30/0202 , G06Q30/0255 , G06Q30/0264
摘要： A method and a system are provided for optimizing customer volume at a merchant store. In particular, the present disclosure provides a method and a system for forecasting how many shoppers will be in a merchant store at certain times of the day. The method and the system enable the merchant to forecast shopper volume at a merchant store for a defined date and time, and to make a targeted promotional offer at a merchant store for a defined date and time to a plurality of payment card holders. The method and the system are useful for the merchant in terms of optimizing resource needs, and enabling the merchant to run promotions that only apply during “down-times” to drive more shoppers to their store.
摘要翻译：提供了一种用于在商家商店优化顾客体积的方法和系统。特别地，本公开提供了一种用于在一天中的某些时间预测商店中将有多少购物者的方法和系统。该方法和系统使得商家能够在商家商店中预定定义的日期和时间的购物者体积，并且在商家商店针对多个支付卡持有者定义日期和时间进行有针对性的促销优惠。在优化资源需求方面，该方法和系统对于商家是有用的，并且使得商家能够运行仅在“停机时间”期间适用以促使更多购物者到其商店的促销。

5. 发明授权

US10430828B2 Method and system for ambient media selection based on transaction history and demographics 有权
公开(公告)号：US10430828B2
公开(公告)日：2019-10-01
申请号：US14874902
申请日：2015-10-05
申请人： MasterCard International Incorporated
发明人： Edward Lee , Luckner Polycarpe , Kent Olof Niklas Berntsson
IPC分类号： G06Q30/02
摘要： A method for identifying ambient media (audio and visual content) selections based on transaction history includes: storing transaction data entries, each including data related to a payment transaction including a merchant identifier associated with a merchant involved in the transaction, a primary account number associated with a transaction account used in the transaction, and transaction data; receiving a request, the request including a specific merchant identifier; identifying a subset of transaction data entries that include a merchant identifier corresponding to the specific merchant identifier; identifying sets of demographic characteristics based on the primary account number and/or the transaction data included in transaction data entries in the subset; identifying an ambient media selection corresponding to the sets of the demographic characteristics; and transmitting the identified ambient media selection corresponding to each of the sets of demographic characteristics.

6. 发明申请

US20160063513A1 METHOD AND SYSTEM FOR DETERMINING WHEN AND WHAT TIME TO GO SHOPPING 审中-公开
标题翻译：用于确定何时进行购物的方法和系统
公开(公告)号：US20160063513A1
公开(公告)日：2016-03-03
申请号：US14471923
申请日：2014-08-28
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Edward M. Lee , Luckner Polycarpe , Kent Olof Niklas Berntsson
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0201
摘要： A method and a system are provided for determining when and what time a shopper should go shopping at a merchant. In particular, the present disclosure provides a method and a system for conveying to a shopper various shopping patterns by date and time, and by gender or age group, of a plurality of payment card holders at one or more merchants, based on one or more payment card holder purchase behaviors, to enable the shopper to select a date and time, or gender or age group, for shopping at the one or more merchants. The method and system can be used by shoppers to choose the preferred date/time, or gender or age group of fellow shoppers, to visit a specific merchant.
摘要翻译：提供了一种方法和系统，用于确定购物者何时何时在商家购物。特别地，本公开提供了一种方法和系统，用于基于一个或多个基于一个或多个的商业人员在一个或多个商家的日期和时间以及性别或年龄组向购物者传送多个支付卡持有者的各种购物模式支付卡持有者购买行为，以便购物者选择日期和时间，或性别或年龄组，以便在一个或多个商家购物。购物者可以使用该方法和系统来选择首选的日期/时间，或购物者的性别或年龄组来访问特定的商家。

7. 发明申请

US20190205807A1 GEOGRAPHIC REGION MODIFICATION TOOL FOR DATABASE QUERY ENHANCEMENT 审中-公开
公开(公告)号：US20190205807A1
公开(公告)日：2019-07-04
申请号：US15859959
申请日：2018-01-02
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Steven Bruce Oshry , Luckner Polycarpe
IPC分类号： G06Q10/06 , G06F17/30 , G06Q20/34
CPC分类号： G06Q10/06393 , G06F16/29 , G06F16/9537 , G06Q20/34
摘要： A computer-implemented system is configured to, responsive to failure of anonymity threshold criteria of a payment card transaction based dataset including a geographical region definition including solely a first geographical region, query a geographical information service for data indicative of geographical regions neighboring a first geographical region; iteratively query the payment card transaction based dataset using queries modifying the geographical region definition to include the first geographical region and one or more neighboring geographical regions; test returned results against the anonymity threshold criteria; and responsive to a positive test result, generating an approval indication for a data set.

8. 发明授权

US09542688B2 Method and system for targeting small businesses 有权
标题翻译：针对小企业的方法和系统
公开(公告)号：US09542688B2
公开(公告)日：2017-01-10
申请号：US14643380
申请日：2015-03-10
申请人： MasterCard International Incorporated
发明人： Serge Bernard , Luckner Polycarpe
IPC分类号： G06K5/00 , G06K15/00 , G06Q30/02
CPC分类号： G06Q30/0201
摘要： A method for identifying business service recommendations includes: storing merchant profiles, each profile including data related to a merchant including a merchant identifier and transaction for a plurality of payment transactions; receiving, a data file including a plurality of merchant entries, each entry including data related to a merchant including a merchant identifier and firmographics; identifying a specific merchant entry where the merchant identifier corresponds to a merchant identifier in a specific merchant profile; calculating transaction scores for the specific merchant entry based on the transaction data in the specific merchant profile; identifying a related merchant entry where the firmographics correspond to the firmographics in the specific merchant entry and where the merchant identifier is not included in a merchant profile; and identifying one or more business service recommendations for the merchant related to the related merchant entry based on transaction scores and firmographics in the related merchant entry.
摘要翻译：用于识别业务服务建议的方法包括：存储商家简档，每个简档包括与商户相关的数据，包括用于多个支付交易的商家标识符和交易; 接收包括多个商家条目的数据文件，每个条目包括与商家相关的数据，包括商家标识符和固定图; 识别商户标识符对应于特定商家简档中的商家标识符的特定商家条目; 基于特定商家简档中的交易数据来计算特定商户条目的交易分数; 识别相关的商家条目，其中所述固定符号对应于所述特定商家条目中的所述固定图形，并且所述商家标识符不包括在商家简档中; 以及基于所述相关商家条目中的交易分数和固定资产，为与所述相关商家条目相关的所述商家识别一个或多个商业服务建议。

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