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:
Jan. 20, 2026
Filed:
Oct. 06, 2023
Mastercard International Incorporated, Purchase, NY (US);
Smriti Gupta, New Delhi, IN;
Adarsh Patankar, Betul, IN;
Akash Choudhary, Delhi, IN;
Alekhya Bhatraju, Gudivada, IN;
Ammar Ahmad Khan, Gautam Buddh Nagar, IN;
Amrita Kundu, Siliguri, IN;
Ankur Saraswat, Gurgaon, IN;
Anubhav Gupta, Lucknow, IN;
Awanish Kumar, Lucknow, IN;
Ayush Agarwal, Roorkee, IN;
Brian M. Mcguigan, Mamaroneck, NY (US);
Debasmita Das, Kolkata, IN;
Deepak Yadav, Gurgaon, IN;
Diksha Shrivastava, Indore, IN;
Garima Arora, Delhi, IN;
Gaurav Dhama, Gurgaon, IN;
Gaurav Oberoi, Meerut, IN;
Govind Vitthal Waghmare, Pune, IN;
Hardik Wadhwa, Bangalore, IN;
Jessica Peretta, Purchase, NY (US);
Kanishk Goyal, Alwar, IN;
Karthik Prasad, Kochi, IN;
Lekhana Vusse, Rajahmundry, IN;
Maneet Singh, New Delhi, IN;
Niranjan Gulla, Visakhapatnam, IN;
Nitish Kumar, Jamshedpur, IN;
Rajesh Kumar Ranjan, Madhubani, IN;
Ram Ganesh V, Ernakulam, IN;
Rohit Bhattacharya, Kolkata, IN;
Rupesh Kumar Sankhala, Churu, IN;
Siddhartha Asthana, New Delhi, IN;
Soumyadeep Ghosh, Gurgaon, IN;
Sourojit Bhaduri, Jamshedpur, IN;
Srijita Tiwari, Lucknow, IN;
Suhas Powar, Kolhapur, IN;
Susan Skelsey, Chappaqua, NY (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
Methods and server systems for computing fraud risk scores for various merchants associated with an acquirer described herein. The method performed by a server system includes accessing merchant-related transaction data including merchant-related transaction indicators associated with a merchant from a transaction database. Method includes generating a merchant-related transaction features based on the merchant-related indicators. Method includes generating via risk prediction models, for a payment transaction with the merchant, merchant health and compliance risk scores, merchant terminal risk scores, merchant chargeback risk scores, and merchant activity risk scores based on the merchant-related transaction features. Method includes facilitating transmission of a notification message to an acquirer server associated with the merchant. The notification message includes the merchant health and compliance risk scores, the merchant terminal risk scores, the merchant chargeback risk scores, and the merchant activity risk scores.