Patents by Inventor Michael L. Zhao

Michael L. Zhao 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: 10929859
    Abstract: A method for determining an economic impact of a candidate event includes receiving an event type identifier representing an event type of a candidate event to occur, and building a reference data store including historical transaction data records of payment transactions occurring in reference geographic areas associated with a reference event having the event type identifier. The method also includes generating a reference model from the historical transaction data records the models a reference number of active accounts and active merchants within a reference geographic area during a period of time associated with the reference event occurring in the geographic area. The method further includes determining a predicted number of active accounts and active merchants within the target geographic area using the reference model, and determining a predicted consumer spend using a predicted spend model. The method also includes generating an economic impact report including the consumer spend.
    Type: Grant
    Filed: December 2, 2016
    Date of Patent: February 23, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Michael L. Zhao, Nigel Noyes, Kimberly Ann Purcell, Todd Christian Lowenberg, Nikhil Anand Malgatti, Harry Chen, Shweta Jain Chaudhury, Dhruv Akhauri
  • Publication number: 20190065874
    Abstract: A fraud prevention system, method and medium analyzes a fraud prevention image, or a sequence of fraud prevention images, including a facial region of the user and a card associated with the user. The systems, methods and mediums may enable an image parser, a facial recognizer, a communication manager and an authenticator. The image parser may be adapted to parse the fraud prevention image into a facial image and a device image. The facial recognizer may be adapted to analyze the facial image to generate a current facial signature of the user. The authenticator may be adapted to authenticate the user based at least on comparison to the current facial signature and an enrolled facial signature. The communication manager may request a device verification based on a device signature and the authentication of the user. A liveness detector may verify liveness of the user within the fraud prevention image.
    Type: Application
    Filed: August 30, 2017
    Publication date: February 28, 2019
    Inventors: Jean-Pierre Gerard, Steven Klocinski, Jeremy Pastore, Roopa A. Vaidya, Michael L. Zhao, Ramamohan Reddy Sangasani
  • Publication number: 20170161755
    Abstract: A method for determining an economic impact of a candidate event includes receiving an event type identifier representing an event type of a candidate event to occur, and building a reference data store including historical transaction data records of payment transactions occurring in reference geographic areas associated with a reference event having the event type identifier. The method also includes generating a reference model from the historical transaction data records the models a reference number of active accounts and active merchants within a reference geographic area during a period of time associated with the reference event occurring in the geographic area. The method further includes determining a predicted number of active accounts and active merchants within the target geographic area using the reference model, and determining a predicted consumer spend using a predicted spend model. The method also includes generating an economic impact report including the consumer spend.
    Type: Application
    Filed: December 2, 2016
    Publication date: June 8, 2017
    Inventors: Michael L. Zhao, Nigel Noyes, Kimberly Ann Purcell, Todd Christian Lowenberg, Nikhil Anand Malgatti, Harry Chen, Shweta Jain Chaudhury, Dhruv Akhauri