Patents by Inventor Marilia Isadora Domingues Mendonca

Marilia Isadora Domingues Mendonca 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).

  • Methods and systems for determining an optimal interbank network for routing real-time payment transactions
    Patent number: 11734680
    Abstract: Embodiments provide methods and systems for determining optimal interbank network for routing payment transactions. Method performed by server system includes accessing historical transaction data of acquirer from acquirer database, determining payment transaction types corresponding to future payment transactions processing via acquirer for particular period of time based on historical transaction data, predicting fixed interchange cost for each payment transaction type incurring to acquirer for routing future payment transactions through interbank network of interbank networks based on interchange prediction model, performing linear optimization utilizing set of metrics, to make decision whether to apply merchant-specific discount to particular payment transaction type, or not, and routing real-time payment transactions through optimal interbank networks with lowest total transaction cost.
    Type: Grant
    Filed: September 28, 2021
    Date of Patent: August 22, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ashish Kumar, Marilia Isadora Domingues Mendonca, Sangam Verma, Yatin Katyal, Karamjit Singh
  • METHODS AND SYSTEMS FOR DETERMINING AN OPTIMAL INTERBANK NETWORK FOR ROUTING REAL-TIME PAYMENT TRANSACTIONS
    Publication number: 20220101310
    Abstract: Embodiments provide methods and systems for determining optimal interbank network for routing payment transactions. Method performed by server system includes accessing historical transaction data of acquirer from acquirer database, determining payment transaction types corresponding to future payment transactions processing via acquirer for particular period of time based on historical transaction data, predicting fixed interchange cost for each payment transaction type incurring to acquirer for routing future payment transactions through interbank network of interbank networks based on interchange prediction model, performing linear optimization utilizing set of metrics, to make decision whether to apply merchant-specific discount to particular payment transaction type, or not, and routing real-time payment transactions through optimal interbank networks with lowest total transaction cost.
    Type: Application
    Filed: September 28, 2021
    Publication date: March 31, 2022
    Inventors: Ashish Kumar, Marilia Isadora Domingues Mendonca, Sangam Verma, Yatin Katyal, Karamjit Singh