Patents by Inventor John Merz

John Merz 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).

  • Publication number: 20210279732
    Abstract: A common point of purchase (CPP) system for identifying a common point of purchases involved in fraudulent or unauthorized payment transactions is provided. The CPP system includes a common point of purchase (CPP) computing device that is configured to receive transaction data, store the transaction data in a database, and perform a look up within the database. The CPP computing device is also configured to build a merchant table, receive a card list, and compare a plurality of flagged account identifiers in the card list to account identifiers in the merchant table. The CPP computing device is further configured to retrieve a unique merchant identifier and/or a merchant name identifier associated with the merchant table account identifiers matched with the flagged account identifiers, aggregate the unique merchant identifier using the merchant name identifier, and determine a first number of the flagged account identifiers associated with the merchant name identifier.
    Type: Application
    Filed: May 24, 2021
    Publication date: September 9, 2021
    Inventors: Joshua A. Allbright, Christopher John Merz
  • Publication number: 20210182860
    Abstract: A computing system for detecting a pattern of fraudulent network events in a payment card network is configured to continuously receive a plurality of scored transaction authorization requests each including a respective account number and a respective fraud score. The computing system is also configured to sort the scored transaction authorization requests into account ranges based the account number, and sort the transaction authorization requests within each of the account ranges into a fraud score range stripes based on the corresponding fraud score. The computing system is further configured to calculate, for the scored transaction authorization requests within each fraud score range stripe, a ratio of a cumulative metric for a shorter time period over a longer time period, and detect, in near real-time, a fraud event associated with one of the account ranges based on the ratio for one of the fraud score range stripes within the account range.
    Type: Application
    Filed: March 1, 2021
    Publication date: June 17, 2021
    Inventors: Joshua A. Allbright, Christopher John Merz
  • Patent number: 11017403
    Abstract: A common point of purchase (CPP) system for identifying a common point of purchases involved in fraudulent or unauthorized payment transactions is provided. The CPP system includes a common point of purchase (CPP) computing device that is configured to receive transaction data, store the transaction data in a database, and perform a look up within the database. The CPP computing device is also configured to build a merchant table, receive a card list, and compare a plurality of flagged account identifiers in the card list to account identifiers in the merchant table. The CPP computing device is further configured to retrieve a unique merchant identifier and/or a merchant name identifier associated with the merchant table account identifiers matched with the flagged account identifiers, aggregate the unique merchant identifier using the merchant name identifier, and determine a first number of the flagged account identifiers associated with the merchant name identifier.
    Type: Grant
    Filed: December 15, 2017
    Date of Patent: May 25, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Joshua A. Allbright, Christopher John Merz
  • Publication number: 20210142330
    Abstract: An inverse recommender system for detecting out-of-pattern payment transactions includes a memory device and a processor programmed to receive transaction data. The transaction data corresponds to historical payment transactions between account holders and merchants. The processor is programmed to generate a merchant correspondence matrix including the merchants and counters indicating the number of historical payment transactions between merchant pairs of the merchants and the account holders. The processor is programmed to store the merchant correspondence matrix in a memory device linking the merchant pairs to each account holder. The processor receives additional transaction data associated with a new payment transaction between an account holder and a merchant, and to generate an inverse recommender score for the new payment transaction based on the account holder's historical payment transaction data.
    Type: Application
    Filed: January 18, 2021
    Publication date: May 13, 2021
    Inventors: Christopher John Merz, Joshua A. Allbright, Peng Yang
  • Patent number: 10937030
    Abstract: A computing system for detecting fraudulent payment card network events includes a ratio striping engine that receives scored payment card transaction authorization requests and generates data structures for a plurality of account ranges. Each data structure sorts the transaction authorization requests within the associated account range over a plurality of fraud score range stripes. The data structures are parsed over time periods that extend back from a common starting point. For each data structure and time period, at least one cumulative metric is calculated from the transaction authorization requests in each fraud score range stripe. For each data structure, ratio striping values are determined between values of the at least one metric in a fraud score range stripe over two of the time periods. A fraud event associated with at least one of the account ranges is detected based on the ratio striping values for the corresponding data structure.
    Type: Grant
    Filed: December 28, 2018
    Date of Patent: March 2, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Joshua A. Allbright, Christopher John Merz
  • Patent number: 10896424
    Abstract: An inverse recommender system for detecting out-of-pattern payment transactions includes a memory device and a processor programmed to receive transaction data. The transaction data corresponds to historical payment transactions between account holders and merchants. The processor is programmed to generate a merchant correspondence matrix including the merchants and counters indicating the number of historical payment transactions between merchant pairs of the merchants and the account holders. The processor is programmed to store the merchant correspondence matrix in a memory device linking the merchant pairs to each account holder. The processor receives additional transaction data associated with a new payment transaction between an account holder and a merchant, and to generate an inverse recommender score for the new payment transaction based on the account holder's historical payment transaction data.
    Type: Grant
    Filed: October 26, 2017
    Date of Patent: January 19, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Christopher John Merz, Joshua A. Allbright, Peng Yang
  • Publication number: 20210012345
    Abstract: A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.
    Type: Application
    Filed: May 24, 2019
    Publication date: January 14, 2021
    Inventors: Janet Smith, John D. Chisholm, Johan Gerber, Clara Salazar, Matthew Wickman, Susan Meyer, Rachael Vahle Cordero, Christopher John Merz
  • Publication number: 20200402064
    Abstract: An analytics computing system for analyzing payment transaction data to identify merchants having a recurring payment program is provided. The analytics computing system is configured to receive first payment transaction data for a plurality of transactions associated with a merchant, generate an actual transaction amount distribution, compare the actual transaction amount distribution to a stored model distribution, compare an angle distance to a predefined threshold value, and identify whether the merchant is a merchant performing recurring payment transactions. The analytics computing system is also configured to store that the merchant is a recurring payment merchant and alert an analyst that the merchant is a recurring payment merchant by transmitting an alert message to a user computing device in communication with the analytics computing device.
    Type: Application
    Filed: August 31, 2020
    Publication date: December 24, 2020
    Inventors: Joshua A. Allbright, Christopher John Merz
  • Patent number: 10776589
    Abstract: A system and computer-implemented method for analyzing chip card transactions to identify defective chip cards and/or defective chip readers in need of replacement. Constraints are established to define a subset of card transactions. From a full set of card transactions the subset is identified consisting of each card transaction falling within the constraints and occurring at a merchant having a chip reader. From this subset the unique chip readers are identified, and for each unique chip reader a percentage of fallback transactions is calculated. The percentage of fallback transactions is compared to a maximum value, and if the percentage of fallback transactions exceeds the maximum value, the chip reader is identified as defective. Each defective chip reader is reported to the merchant, along with at least a recommendation to replace the defective chip reader. A similar process may be used to identify defective chip cards.
    Type: Grant
    Filed: December 15, 2017
    Date of Patent: September 15, 2020
    Assignee: Mastercard International Incorporated
    Inventors: Christopher John Merz, Matthew Scott Morice, Ravi Santosh Arvapally
  • Patent number: 10776789
    Abstract: An analytics computing system for analyzing payment transaction data to identify merchants having a recurring payment program is provided. The analytics computing system is configured to receive first payment transaction data for a plurality of transactions associated with a merchant, generate an actual transaction amount distribution, compare the actual transaction amount distribution to a stored model distribution, compare an angle distance to a predefined threshold value, and identify whether the merchant is a merchant performing recurring payment transactions. The analytics computing system is also configured to store that the merchant is a recurring payment merchant and alert an analyst that the merchant is a recurring payment merchant by transmitting an alert message to a user computing device in communication with the analytics computing device.
    Type: Grant
    Filed: November 15, 2017
    Date of Patent: September 15, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Joshua A. Allbright, Christopher John Merz
  • Publication number: 20200211020
    Abstract: A method and system for detecting fraudulent network events in a payment card network are provided. A plurality of scored payment card transaction authorization requests are received, originating from a plurality of merchants, and data structures for each of a plurality of merchant groups are generated. Each data structure sorts the scored authorization requests into fraud score range stripes. The data structures are parsed over a plurality of time periods, and at least one cumulative metric is calculated for each merchant group for each of the time periods in each fraud score range stripe. A plurality of ratio striping values is determined for each merchant group, and a set of feature inputs is generated using the ratio striping values. A second fraud detection model is applied to the scored authorization requests. Parameters of the second fraud detection model are configured to change based on the generated set of feature inputs.
    Type: Application
    Filed: December 28, 2018
    Publication date: July 2, 2020
    Inventors: Joshua A. Allbright, Christopher John Merz
  • Publication number: 20200211022
    Abstract: A method and system for detecting fraudulent network events in a payment card network by incorporating breach velocities into fraud scoring models are provided. A potential compromise event is detected, and payment cards that transacted at a compromised entity associated with the potential compromise event are identified. Subsequent transaction activity for the payment cards is reviewed, and a data structure for the payment cards are generated. The data structure sorts subsequent transaction activity into fraud score range stripes. The data structure is parsed over a plurality of time periods, and at least one cumulative metric is calculated for each of the time periods in each fraud score range stripe. A plurality of ratio striping values are determined, and a set of feature inputs is generated using the ratio striping values. The feature inputs are applied to a scoring model used to score future real-time transactions initiated using the payment cards.
    Type: Application
    Filed: December 28, 2018
    Publication date: July 2, 2020
    Inventors: Joshua A. Allbright, Amudhan Venkatesan, Felix Johannes Flory, Christopher John Merz
  • Publication number: 20200211021
    Abstract: A computing system for detecting fraudulent payment card network events includes a ratio striping engine that receives scored payment card transaction authorization requests and generates data structures for a plurality of account ranges. Each data structure sorts the transaction authorization requests within the associated account range over a plurality of fraud score range stripes. The data structures are parsed over time periods that extend back from a common starting point. For each data structure and time period, at least one cumulative metric is calculated from the transaction authorization requests in each fraud score range stripe. For each data structure, ratio striping values are determined between values of the at least one metric in a fraud score range stripe over two of the time periods. A fraud event associated with at least one of the account ranges is detected based on the ratio striping values for the corresponding data structure.
    Type: Application
    Filed: December 28, 2018
    Publication date: July 2, 2020
    Inventors: Joshua A. Allbright, Christopher John Merz
  • Publication number: 20200211019
    Abstract: A method and system for detecting fraudulent network events in a payment card network are provided. A plurality of scored payment card transaction authorization requests are received, originating from a plurality of merchants, and at least one data structure is generated. The data structure sorts the scored authorization requests into fraud score range stripes. The data structure is parsed over a plurality of time periods, and at least one cumulative metric is calculated for each of the time periods in each fraud score range stripe. A plurality of ratio striping values is determined, and a set of feature inputs is generated using the ratio striping values. A second fraud detection model is applied to the scored authorization requests. Parameters of the second fraud detection model are configured to change based on the generated set of feature inputs.
    Type: Application
    Filed: December 28, 2018
    Publication date: July 2, 2020
    Inventors: Joshua A. Allbright, Christopher John Merz
  • Patent number: 10671818
    Abstract: A system and computer-implemented method for analyzing chip card transactions to identify defective chip cards and/or defective chip readers in need of replacement. Constraints are established to define a subset of card transactions. From a full set of card transactions the subset is identified consisting of each card transaction falling within the constraints and occurring at a merchant having a chip reader. From this subset the unique chip cards are identified, and for each unique chip card a percentage of fallback transactions is calculated. The percentage of fallback transactions is compared to a maximum value, and if the percentage of fallback transactions exceeds the maximum value, the chip card is identified as defective. Each defective chip card is reported to the card issuer, along with at least a recommendation to replace the defective chip card. A similar process may be used to identify defective chip readers of particular merchants.
    Type: Grant
    Filed: December 15, 2017
    Date of Patent: June 2, 2020
    Assignee: Mastercard International Incorporated
    Inventors: Christopher John Merz, Matthew Scott Morice, Ravi Santosh Arvapally
  • Patent number: 10592963
    Abstract: An enhanced smart refrigerator (ESR) for automatically populating a virtual shopping cart is provided. The ESR stores a purchase log including a purchase history of a target product. The ESR determines a current interval between a most recent delivery date and a proposed next delivery date based on the purchase history of the target product, and calculates a purchase propensity for the target product based on the current interval and the purchase history of the target product, and automatically adds the product to the virtual shopping cart for submission to a party for purchase of the target product if the purchase propensity meets a first criteria.
    Type: Grant
    Filed: July 28, 2016
    Date of Patent: March 17, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Christopher John Merz, Derek Humphreys, Oran Cummins, Andrea Rizzini, Stephen Elder, Stephen Toner
  • Publication number: 20190392450
    Abstract: An authentication platform for authenticating an online user in a transaction without use of strong consumer authentication (SCA) includes receiving an authentication request message for a transaction involving a regulated market includes authentication data and a transaction value, extracting the authentication data from the authentication request message, generating risk-based authentication (RBA) result data, determining that a risk of fraud in the transaction satisfies a risk threshold established by the regulatory entity by evaluating the risk score relative to the risk threshold, determining that the transaction value is below a transaction limit set by the regulatory entity, the transaction limit identifies a threshold transaction value below which strong consumer authentication may be avoided for transactions satisfying the risk threshold, and transmitting an authentication response message authenticating the transaction without strong consumer authentication having been performed based on satisfying
    Type: Application
    Filed: June 21, 2019
    Publication date: December 26, 2019
    Inventors: Julia Sharon Gosset, Robert Albert Ederle, Ranjita Shankar Iyer, Brian Piel, Christopher John Merz, Felix Johannes Flory, Nimit Gulati, Paul Baker
  • Publication number: 20190392448
    Abstract: A computer-implemented method for authenticating an online user with an access control server (ACS) is provided.
    Type: Application
    Filed: June 21, 2019
    Publication date: December 26, 2019
    Inventors: Julia Sharon Gosset, Robert Albert Ederie, Ranjita Shankar Iyer, Brian Piel, Christopher John Merz, Felix Johannes Flory, Andres Gonzalez
  • Publication number: 20190392449
    Abstract: An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message. The authentication request message includes authentication data. The at least one processor is also programmed to extract the authentication data from the authentication request message, generate, based at least in part on the extracted authentication data, risk-based authentication (RBA) result data including a risk score, and route the RBA result data based on the authentication profile and the RBA result data.
    Type: Application
    Filed: June 21, 2019
    Publication date: December 26, 2019
    Inventors: Julia Sharon Gosset, Robert Albert Ederle, Ranjita Shankar Iyer, Brian Piel, Christopher John Merz, Felix Johannes Flory
  • Publication number: 20190392440
    Abstract: An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message for a transaction. The authentication request message includes authentication data. The at least one processor is also programmed to extract the authentication data from the authentication request message and determine if the ACS is available to process the transaction. If the ACS is unavailable, the at least one processor is further programmed to generate, based at least in part on the extracted authentication data, risk-based authentication (RBA) result data including a risk score and transmit an authentication response message based on the RBA result data.
    Type: Application
    Filed: June 21, 2019
    Publication date: December 26, 2019
    Inventors: Robert Albert Ederle, Julia Sharon Gosset, Ranjita Shankar Iyer, Brian Piel, Dennis A. Gamiello, Christopher John Merz, Felix Johnnes Flory