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:
May. 05, 2026
Filed:
Feb. 28, 2024
Visa International Service Association, San Francisco, CA (US);
Yuexi Chen, Foster City, CA (US);
Ratna Deepthi Jarugu, Santa Clara, CA (US);
Esha Dutta, Leander, TX (US);
Jennifer Kim Astrein, San Francisco, CA (US);
Sonia Gupta, Pleasanton, CA (US);
Geraldine Mitchley, Oakland, CA (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
A method is disclosed. The method includes receiving interaction data related to a plurality of interactions in a time period, determining a multiple variable regression formula, and then determining a coefficient of determination associated with the multiple variable regression formula and the interaction data. The method further includes determining if the coefficient of determination satisfies a threshold or is maximized. If the coefficient of determination does not satisfy the threshold or is not maximized, then adjusting the slope coefficients. If the coefficient of determination does satisfy the threshold or is maximized, then using the multiple variable regression formula to determine risk associated with future interactions.