Mastercard International Incorporated

Andrey Birukov

Jean-Pierre Gerard

Edward M Lee

Arun Elangovan

Arun Acharya

Systems and methods for identifying information providers based on user queries are provided. The method includes receiving a user query including a request for information regarding intended travel from a query capture application, processing the user query to identify query travel characteristics associated with the request for information, receiving a plurality of transaction data, and identifying a plurality of past travel transactions from the transaction data based on a set of travel indicators associated with each past travel transaction. The method further includes applying a matching algorithm to the past travel transactions and the user query to identify a list of traveler cardholders capable of responding to the user query, identifying a first traveler cardholder user device, causing the request for information to be displayed on the first traveler cardholder user device, and causing a travel response to the request for information to be displayed on a querying user device.

Systems and methods for identifying information providers based on user queries

A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel.

Systems and methods for detecting transaction card fraud based on geographic patterns of purchases

A method for communicating an index of service performance based on gratuity value includes: storing transaction messages, each including a merchant identifier associated with a merchant involved in the related payment transaction, a transaction amount, and addendum data; receiving a data request including a specific merchant identifier; identifying a subset of transaction messages that includes the specific merchant identifier; identifying a tip amount for each transaction message in the by (i) extracting the tip amount from the addendum date, or (ii) calculating the tip amount based on the transaction amount stored respective transaction message and a transaction amount stored in a matching clearing record; calculating an average gratuity index for a merchant associated with the specific merchant identifier as an average of the identified tip amounts; and transmitting the calculated average gratuity index in response to the data request.

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Scarsdale, NY, United States of America

Andrey Birukov