Mastercard International Incorporated

Jessica Peretta

Vikas Bishnoi

Ganesh Nagendra Prasad

Deepak Bhatt

Shiv Markam

Tanmoy Bhowmik

Himanshi Charotia

Akash Singh

Nidhi Mulay

Systems and computer-implemented methods are described for modeling card inactivity. For example, hierarchical modeling may be used in which a first level classifier may be trained and validated to predict whether a card will be inactive. For cards predicted to become inactive by the first level classifier, a second level classifier may be trained and validated to predict when the card will become inactive. The first level classifier may include a binary classifier that generates two probabilities that respectively predict that the card will and will not become inactive. The second level classifier may include a multi-class classifier that generates a first probability that the card will become inactive at a first time period (such as one or more months in the future) and a second probability that the card will become inactive at a second time period. The multi-class classifier may generate other probabilities corresponding to other time periods.

Card inactivity modeling

A method for audience recommendation using node similarity in combined contextual graph embeddings can include receiving a merchant identifier of a merchant and generating one or more merchant tags describing merchant data corresponding to the merchant. A set of audience embeddings can be generated from a set of audience auxiliary data using an audience taxonomy and a set of merchant embeddings can be generated from the merchant data relating to the merchant using the one or more merchant tags. The set of audience embeddings and the set of merchant embeddings are used to produce a heterogenous information network of combined audience data and merchant data, which is then analyzed to identify relationships between each audience and the merchant. A score for one or more audiences can be determined based on the relationships between the one or more audiences and the merchant.

Audience recommendation using node similarity in combined contextual graph embeddings

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Purchase, NY, United States of America

Jessica Peretta