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. 12, 2026
Filed:
Jul. 11, 2023
Mastercard International Incorporated, Purchase, NY (US);
Shanmuga Vidya Avudaiappan, Frisco, TX (US);
Matt Froidl, Saint Louis, MO (US);
Tracy Mclaughlin, St. Charles, MO (US);
Stephanie Detchemendy, Wentzville, MO (US);
Dennis Hill, O'Fallon, MO (US);
Mariya Ivanyshyn Spaeth, New York, NY (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
A modelling platform including at least one processor in communication with a memory device and a payment processor is provided. The at least one processor is configured to retrieve subsets of data from a transaction history database, derive training data sets from the subsets, apply model input data fields of each training data set as inputs to one or more machine learning models, and apply a machine learning algorithm to adjust parameters of the one or more machine learning models. The at least one processor is also configured to upload at least one trained machine learning model to an operational predictive model module, apply a stream of real-time authorization request messages as inputs to the at least one trained machine learning model, and transmit, to the payment processor in real-time or near real-time, values of at least one output obtained by applying the stream.