Mastercard International Incorporated

Nitish Kumar

Karamjit Singh

Yatin Katyal

Ankur Saraswat

Debasmita Das

Bhargav Pandillapalli

Rajesh Kumar Ranjan

Sonali Syngal

Nishant Pant

Kanishka Kayathwal

Suhas Powar

Kamal Kant

Alok Singh

Kshitij Gangwar

Pritam Kumar Nath

Embodiments provide artificial intelligence-based methods and systems for predicting account-level risk scores associated with cardholders. Method performed by server system includes accessing payment transaction data and cardholder risk data associated with cardholder. The payment transaction data includes transaction variables associated with past payment transactions performed at Point of Interaction (POI) terminals within a particular time window. Method includes generating cardholder profile data based on the transaction variables and the cardholder risk data. Method includes determining account-level risk scores associated with the cardholder based on cardholder profile data. Each account-level risk score of account-level risk scores is determined by a trained machine learning model. The account-level risk scores include a wallet reload risk score, an account reissuance risk score, and a transaction channel risk score. Further, the method includes transmitting a recommendation message to an issuer server associated with the cardholder based on the account-level risk scores.

Methods and systems for predicting account-level risk scores of cardholders

A generative adversarial network and a reinforcement learning system are combined to generate phishing emails with adaptive complexity. A plurality of phishing emails are obtained from a trained generative adversarial neural network, including a generator neural network and a discriminator neural network. A subset of phishing emails is selected, from the plurality of phishing emails, using a reinforcement learning system trained on user-specific behavior. One or more of the subset of phishing emails are sent to a user email account associated with a particular user. The reinforcement learning system is then adjusted based on user action feedback to the one or more of the subset of phishing emails.

Phishing mail generator with adaptive complexity using generative adversarial network

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Jamshedpur, India

Nitish Kumar