Mastercard International Incorporated

Rajesh Kumar Ranjan

Karamjit Singh

Yatin Katyal

Ankur Saraswat

Debasmita Das

Sangam Verma

Bhargav Pandillapalli

Sonali Syngal

Nishant Pant

Suhas Powar

Nitish Kumar

Kamal Kant

Garima Arora

Kshitij Gangwar

Pritam Kumar Nath

Embodiments of present disclosure provide methods and systems for increasing transaction approval rate. Method performed includes accessing transaction features and determining via fraud model and approval model, first and second set of rank-ordered transaction features. Method includes computing difference in ranks of transaction features and determining set of utilized and unutilized transaction features and generating simulated authorizing model and computing simulated transaction approval rate and simulated fraud transaction rate for simulated authorizing model. Method includes generating plurality of proxy authorization models. Method includes computing transaction approval rates and fraud transaction rates for each of plurality of proxy authorization models and computing an increase in transaction approval rate and change in fraud transaction rate for each of plurality of proxy transaction approval models. Method includes determining one or more recommended transaction features from set of unutilized transaction features and transmitting one or more recommended transaction features to authorizing entity.

Neural network based methods and systems for increasing approval rates of payment transactions

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

The disclosure relates to methods and systems for predicting time of occurrence of future server failures using server logs and a stream of numeric time-series data occurred with a particular time window. Method performed by processor includes accessing plurality of server logs and stream of numeric time-series data, applying density and sequential machine learning model over plurality of server logs for obtaining first and second outputs, respectively, applying a stochastic recurrent neural network model over the stream of time-series data to obtain third output. The method includes aggregating first, second, and third outputs using an ensemble model, predicting likelihood of at least one future server anomaly based on the aggregating, and determining time of occurrence of the at least one future server anomaly by capturing server behavior characteristics using time-series network model. The server behavior characteristics include time-series patterns of the stream of numeric time-series data.

Methods and systems for predicting time of server failure using server logs and time-series data

Growing community of inventors

Madhubani, India

Rajesh Kumar Ranjan