Patents by Inventor Arpita Dutta

Arpita Dutta has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 11334895
    Abstract: A method for detecting merchant category code (MCC) shift behavior is disclosed. A target merchant operating in one or more industries is identified, and a peer set of merchants that operate in the same industries as the target merchant is determined. A first dataset D1 and a second dataset D2 is received. One or more merchant consistency ratios using the first dataset D1 and the second dataset D2 is calculated. An industry ratio for each of the industries and a MCC ratio for the one or more merchants is calculated using the second dataset D2. Whether the target merchant exhibits MCC shift behavior is determined by comparing the merchant consistency ratios to a first threshold, comparing each industry ratio to a second threshold, and comparing the MCC ratio to a third threshold. In response to a determination that the target merchant exhibits MCC shift behavior, an alert is communicated.
    Type: Grant
    Filed: January 3, 2020
    Date of Patent: May 17, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Arpita Dutta, Shilpi Agrawal, Animesh Tripathy, Prameela Kavya Thummuru, Vijayendra Singh
  • Publication number: 20210209601
    Abstract: A method for detecting merchant category code (MCC) shift behavior is disclosed. A target merchant operating in one or more industries may be identified, and a peer set of merchants that operate in the same industries as the target merchant may be determined. A first dataset D1 and a second dataset D2 may be received. One or more merchant consistency ratios using the first dataset D1 and the second dataset D2 may be calculated. An industry ratio for each of the industries and a MCC ratio for the one or more merchants may be calculated using the second dataset D2. Whether the target merchant exhibits MCC shift behavior may be determined by comparing the merchant consistency ratios to a first threshold, comparing each industry ratio to a second threshold, and comparing the MCC ratio to a third threshold. In response to a determination that the target merchant exhibits MCC shift behavior, an alert is communicated.
    Type: Application
    Filed: January 3, 2020
    Publication date: July 8, 2021
    Inventors: Arpita Dutta, Shilpi Agrawal, Animesh Tripathy, Prameela Kavya Thummuru, Vijayendra Singh
  • Publication number: 20210035103
    Abstract: A method for detecting debit PIN routing may include receiving a first dataset and a second dataset for a merchant during a first time period. The first dataset may include credit transaction amount and the second dataset may include debit PIN transaction amount for the merchant during the first time period. A first ratio and a second ratio using the first dataset may be determined, and a third ratio and a fourth ratio using the second dataset may be determined. A first threshold value and a second threshold value using the first dataset may be calculated. Once the first, second, third and fourth ratios and the first and second threshold values are calculated, debit PIN routing behavior may be determined by comparing the first ratio to the first threshold value and comparing the second ratio to the second threshold value.
    Type: Application
    Filed: July 29, 2019
    Publication date: February 4, 2021
    Inventors: Shilpi Agrawal, Arpita Dutta, Animesh Tripathy, Prameela Kavya Thummuru, Vijayendra Singh