专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 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.

2. 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.

3. 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.

4. 发明申请

US20160217470A1 SYSTEMS AND METHODS FOR ENHANCED FRAUD DETECTION BASED ON TRANSACTIONS AT POTENTIALLY COMPROMISED LOCATIONS 审中-公开
标题翻译：基于潜在可压缩位置的交易的增强欺诈检测的系统和方法
公开(公告)号：US20160217470A1
公开(公告)日：2016-07-28
申请号：US14605443
申请日：2015-01-26
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Jean-Pierre Gerard , Po Hu , Qian Wang
IPC分类号： G06Q20/40 , G06Q20/10
CPC分类号： G06Q20/4016 , G06Q20/1085
摘要： A computer-implemented method for enhancing fraud detection based on transactions at potentially compromised locations is provided. The method includes determining a list of potentially compromised transaction locations, storing the list of potentially compromised transaction locations, and receiving from a first transaction location a first authorization request message for a first transaction. The first authorization request message is associated with a first payment account. The method also includes determining the first transaction location based on the first authorization request message, determining if the first transaction location is in the list of potentially compromised transaction locations, and if the determination is that the first transaction location is included in the list of potentially compromised transaction locations, flagging the first payment account as potentially compromised so that a fraud score for a future transaction is associated with the first payment account is adjusted based on the potentially compromised flag.
摘要翻译：提供了一种用于基于潜在受损位置处的事务来增强欺诈检测的计算机实现的方法。该方法包括确定可能受损的交易位置的列表，存储可能受损的交易位置的列表，以及从第一交易位置接收用于第一交易的第一授权请求消息。第一授权请求消息与第一支付帐户相关联。该方法还包括基于第一授权请求消息来确定第一交易位置，确定第一交易位置是否在可能受损的交易位置的列表中，并且如果确定第一交易位置被包括在潜在的列表中妥协的交易地点，将第一支付帐户标记为可能受到损害，以便基于潜在受损的标志来调整与未来交易相关联的第一支付帐户的欺诈分数。

5. 发明申请

US20160055498A1 OBTAINING CONSUMER SURVEY RESPONSES AT POINT OF INTERACTION FOR USE TO PREDICT PURCHASING BEHAVIOR 审中-公开
标题翻译：获取消费者调查意见，以便用于预防购买行为的相互作用
公开(公告)号：US20160055498A1
公开(公告)日：2016-02-25
申请号：US14464037
申请日：2014-08-20
申请人： MasterCard International Incorporated
发明人： Qian Wang , Shen Xi Meng , Po Hu
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0203 , G06Q30/0217 , G06Q30/0269 , G06Q50/01
摘要： Systems, apparatus and methods for obtaining consumer survey responses from a payment account holder at a point of interaction and then using that information to predict future consumer purchasing behavior. In an embodiment, at least one consumer survey question that represents a portion of a consumer survey poll is transmitted to a cardholder for display on a display screen at a point of interaction. The process includes receiving a response to the consumer survey question(s), storing the response(s) in association with purchase transaction data of the cardholder in a storage device, and then transmitting a commercial message personalized to the cardholder for display on the display screen at the point of interaction.
摘要翻译：用于在交互点获得来自付款账户持有者的消费者调查回答，然后使用该信息来预测未来消费者购买行为的系统，装置和方法。在一个实施例中，表示消费者调查轮调的一部分的至少一个消费者调查问题被发送到持卡人，以在交互点显示在显示屏上。该过程包括接收对消费者调查问题的响应，将与持卡人的购买交易数据相关联的响应存储在存储设备中，然后将个性化的商业消息发送到持卡人以在显示器上显示屏幕上的互动点。

6. 发明申请

US20150371238A1 PERSONAL HOLIDAY IMPUTATION FROM PAYMENT CARD TRANSACTIONAL DATA 审中-公开
标题翻译：个人假期从付款卡交易数据进行投标
公开(公告)号：US20150371238A1
公开(公告)日：2015-12-24
申请号：US14311528
申请日：2014-06-23
申请人： MasterCard International Incorporated
发明人： Qian Wang , Tong Zhang , Shen Xi Meng , Po Hu
IPC分类号： G06Q30/02 , G06Q40/00
CPC分类号： G06Q30/02 , G06Q40/12
摘要： A computer-implemented method of imputing a personal holiday associated with a consumer into a forecast model includes steps, using a processing device, for accessing transaction records associated with purchasing activity of a consumer in a payment network over a predetermined period of time, the transaction records including information about a purchase and date when the purchase was made. The method further includes predicting a personal holiday of the consumer within the predetermined period of time based on the transaction records, wherein the personal holiday repeats at regular intervals within the predetermined period of time; and imputing the date into a forecast model to predict future purchase activity of the consumer. A system includes a processing device and memory to store instructions that, when executed by the processing device, cause the processing device to perform the operations comprising the method steps of the computer-implemented method.
摘要翻译：将与消费者相关联的个人假期估算为预测模型的计算机实现的方法包括使用处理装置在预定时间段内访问与支付网络中的消费者的购买活动相关联的交易记录的步骤，所述交易包括购买信息和购买日期的记录。该方法还包括基于交易记录在预定时段内预测消费者的个人假期，其中个人假期在预定时间段内以规则的间隔重复; 并将日期估算为预测模型，以预测消费者的未来购买活动。一种系统包括处理装置和存储器，用于存储当由处理装置执行时使处理装置执行包括计算机实现的方法的方法步骤的操作的指令。

7. 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.

8. 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.

9. 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.

10. 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.

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式