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.

Abstract: Systems and computer-implemented methods are described for modeling card inactivity. For example, hierarchical modeling may be used in which a first level classifier may be trained and validated to predict whether a card will be inactive. For cards predicted to become inactive by the first level classifier, a second level classifier may be trained and validated to predict when the card will become inactive. The first level classifier may include a binary classifier that generates two probabilities that respectively predict that the card will and will not become inactive. The second level classifier may include a multi-class classifier that generates a first probability that the card will become inactive at a first time period (such as one or more months in the future) and a second probability that the card will become inactive at a second time period. The multi-class classifier may generate other probabilities corresponding to other time periods.

Abstract: A method for audience recommendation using node similarity in combined contextual graph embeddings can include receiving a merchant identifier of a merchant and generating one or more merchant tags describing merchant data corresponding to the merchant. A set of audience embeddings can be generated from a set of audience auxiliary data using an audience taxonomy and a set of merchant embeddings can be generated from the merchant data relating to the merchant using the one or more merchant tags. The set of audience embeddings and the set of merchant embeddings are used to produce a heterogenous information network of combined audience data and merchant data, which is then analyzed to identify relationships between each audience and the merchant. A score for one or more audiences can be determined based on the relationships between the one or more audiences and the merchant.

Abstract: A method for audience recommendation using node similarity in combined contextual graph embeddings can include receiving a merchant identifier of a merchant and generating one or more merchant tags describing merchant data corresponding to the merchant. A set of audience embeddings can be generated from a set of audience auxiliary data using an audience taxonomy and a set of merchant embeddings can be generated from the merchant data relating to the merchant using the one or more merchant tags. The set of audience embeddings and the set of merchant embeddings are used to produce a heterogenous information network of combined audience data and merchant data, which is then analyzed to identify relationships between each audience and the merchant. A score for one or more audiences can be determined based on the relationships between the one or more audiences and the merchant.

Abstract: Systems and computer-implemented methods are described for modeling card inactivity. For example, hierarchical modeling may be used in which a first level classifier may be trained and validated to predict whether a card will be inactive. For cards predicted to become inactive by the first level classifier, a second level classifier may be trained and validated to predict when the card will become inactive. The first level classifier may include a binary classifier that generates two probabilities that respectively predict that the card will and will not become inactive. The second level classifier may include a multi-class classifier that generates a first probability that the card will become inactive at a first time period (such as one or more months in the future) and a second probability that the card will become inactive at a second time period. The multi-class classifier may generate other probabilities corresponding to other time periods.

Abstract: Systems and computer-implemented methods of modeling card member data to classify a card member into one of a plurality of classifications based on interchange fees derived from the use of a card issued to the card member. The modeling may handle data distribution from one time period to another time period to address unavailability and/or variability of historical data, implement a neural network architecture based on transformers and discriminators for accurate data scaling, perform data filling for missing data, and fine-tuning for card types that have less card member data, which may result in enhanced performance and faster convergence resulting in reduced computational time. Such fine-tuning may leverage uniform standardization in the neural network to handle multiple card types, which is facilitated through the use of the transformers and discriminators for data scaling.