The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 10, 2023
Filed:
Jun. 03, 2020
Visa International Service Association, San Francisco, CA (US);
Dhruv Gelda, Palo Alto, CA (US);
Konik Kothari, Champaign, IL (US);
Wei Zhang, Palo Alto, CA (US);
Hao Yang, Palo Alto, CA (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
A dynamic next-stop or next-item recommendation system that is built entirely from raw card transaction data logs. These data logs contain rich transaction data between cardholders and merchants. A query network approach is constructed for geometrical expressivity and automatically learns the inherent class-hierarchy. To ensure scalability and interpretability of the approach, merchants or entities are grouped into interpretable categories and propose a quadtree-based spatial decomposition of the underlying geography. A two-step recommendation process initiates: (1) predict next-merchant quadtree-box and category combination (2) recommend merchants within the predicted combination. This novel neural architecture may handle the hierarchical classification task in the first part of the recommendation system and compare the methods to previous state-of-the-art approaches in related areas.