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1. 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.

2. 发明授权

US10423963B2 Systems and methods for fraud detection by transaction ticket size pattern 有权
公开(公告)号：US10423963B2
公开(公告)日：2019-09-24
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： G06K5/00 , 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.

4. 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.

5. 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.

6. 发明授权

US09412108B2 Systems and methods for fraud detection by transaction ticket size pattern 有权
标题翻译：通过交易票大小模式进行欺诈检测的系统和方法
公开(公告)号：US09412108B2
公开(公告)日：2016-08-09
申请号：US14567124
申请日：2014-12-11
申请人： MasterCard International Incorporated
发明人： Qian Wang , Po Hu , Ramamohan R. Sangasani
IPC分类号： G06K5/00 , G06Q20/40
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.
摘要翻译：提供了一种使用交易票大小的模式来检测支付卡网络中的欺诈的方法和系统。所述方法包括从商业销售点（POS）设备和商家网站中的至少一个接收当前金融交易的交易信息，所述交易信息包括当前交易金额，与单个支付卡相关联的交易信息持卡人，基于交易信息检索针对单个持卡人的预定数量的历史交易，以及基于相同商店，类似商店和相关商家类别中的至少一个的平均门票尺寸和分散度生成历史支出大小模式。该方法还包括将当前交易金额与历史支出票大小模式进行比较，并根据比较产生当前金融交易的批准或拒绝建议。

7. 发明申请

US20160171498A1 SYSTEMS AND METHODS FOR FRAUD DETECTION BY TRANSACTION TICKET SIZE PATTERN 有权
标题翻译：通过交易票大小图案进行欺诈检测的系统和方法
公开(公告)号：US20160171498A1
公开(公告)日：2016-06-16
申请号：US14567124
申请日：2014-12-11
申请人： MasterCard International Incorporated
发明人： Qian Wang , Po Hu , Ramamohan R. Sangasani
IPC分类号： G06Q20/40
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.
摘要翻译：提供了一种使用交易票大小的模式来检测支付卡网络中的欺诈的方法和系统。所述方法包括从商业销售点（POS）设备和商家网站中的至少一个接收当前金融交易的交易信息，所述交易信息包括当前交易金额，与单个支付卡相关联的交易信息持卡人，基于交易信息检索针对单个持卡人的预定数量的历史交易，以及基于相同商店，类似商店和相关商家类别中的至少一个的平均门票尺寸和分散度生成历史支出大小模式。该方法还包括将当前交易金额与历史支出票大小模式进行比较，并根据比较产生当前金融交易的批准或拒绝建议。

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