Patents by Inventor Ravi Santosh Arvapally
Ravi Santosh Arvapally 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).
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Publication number: 20240070668Abstract: The disclosure relates to methods and systems of generating a platform-agnostic identification of an entity through rules-based computational modeling of entity relationships. For example, the platform-agnostic identification of an entity may be used to identify an acquirer entity across different data platforms, such as payment networks, that each assign respective acquirer identifiers to the acquirer entity. The computational modeling may generate a mapping between a first acquirer identifier assigned by a first payment network to the acquirer entity and a second acquirer identifier assigned by a second payment network to the acquirer entity. The mapping may be based on an anchor value that is associated with both the first acquirer identifier and the second acquirer identifier. The mapping may be validated by multi-validation rules and/or issuer-validation rules that reduce false positive results that may occur through computational modeling.Type: ApplicationFiled: August 24, 2022Publication date: February 29, 2024Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ravi Santosh ARVAPALLY, Varun AJMERA
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Publication number: 20230297997Abstract: In one embodiment, the present disclosure includes a mobile computing device. The mobile computing device includes a communication interface, one or more sensors, a memory, and an electronic processor. The electronic processor is configured to detect a remuneration trigger event, retrieve sensor data from a sensor data repository in response to detecting the remuneration trigger event, determine whether a user of the mobile computing device intended to perform a remuneration action by applying a user intention model to the sensor data, generate remuneration credentials in response to determining that the user of the mobile computing device intended to perform the remuneration action, and control the communication interface to transmit the remuneration credentials to the terminal device to complete the remuneration action.Type: ApplicationFiled: March 17, 2023Publication date: September 21, 2023Inventors: John Hearty, Cristian Frentiu, Marc Grimson, Ravi Santosh Arvapally, Rahul Deshpande, Amit Patankar
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Publication number: 20210304207Abstract: Systems and methods are provided for performing anomaly detection. One example method relates to transaction data including fraud scores output by a fraud score model generated by a machine learning system. The method includes determining, by a computing device, divergence values for multiple segments of payment accounts between baseline distributions of fraud scores and current distributions of fraud scores for the segments and detecting, by the computing device, at least one of the divergence values for at least one of the multiple segments as an anomaly. The method also includes categorizing, by the computing device, the detected anomaly into one of multiple categories, whereby the one of the multiple categories is indicative of a type of issue associated with the detected anomaly.Type: ApplicationFiled: June 11, 2021Publication date: September 30, 2021Inventors: Walter F. Lo Faro, MohammadMehdi Kafashan, Elieser J. Barrios, Xiaoying Zhang, Ravi Santosh Arvapally, Xianzhe Zhou
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Patent number: 11087337Abstract: Systems and methods are provided for evaluating aggregate merchant sets, which are often generated by a payment network. One exemplary method includes accessing, by a computing device, a monitor score and a volatility score for an aggregate merchant set representative of multiple merchants having at least one disparate parameter in a transaction data structure, fuzzy sets for the monitor score and the volatility score comprising linguistic values, and inference rules that use the linguistic values in logical operations. The method also generally includes determining degrees of membership of the monitor score and volatility score to the associated fuzzy sets and generating an evaluation index based on the inference rules and the degrees of membership to the fuzzy sets, thereby providing an indication of a propriety of the aggregation of said multiple merchants.Type: GrantFiled: October 29, 2019Date of Patent: August 10, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ravi Santosh Arvapally, Matthew S. Morice, Walter F. Lo Faro
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Patent number: 10949860Abstract: Systems and methods are provided for scoring support messages from users indicative of the likelihood of escalation of the messages, upon which the messages may be prioritized. One exemplary method includes receiving, from a user, a support message related to a payment service provider and generating an escalation score for the support message based on a temporal factor associated with a duration associated with the support message, a source factor for the support message, and a text content factor of the support message. The exemplary method further includes identifying a likelihood of escalation of the support message based on the escalation score, whereby a support representative assigned to the support message is able to prioritize the support message over at least one other support message based on the likelihood of escalation for the support message.Type: GrantFiled: November 16, 2016Date of Patent: March 16, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Xiaoying Zhang, Ravi Santosh Arvapally, Hasan Hicsasmaz
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Patent number: 10915838Abstract: A capacity analysis computing device for determining a restaurant capacity level is provided. The capacity analysis computing device is configured to store historical transaction data for a restaurant for a period of time, and analyze the historical transaction data to identify a maximum restaurant capacity for the restaurant over the period of time. The capacity analysis computing device is also configured to receive, from a user computing, a selected time interval for which a current capacity level is to be determined. The capacity analysis computing device is further configured to identify a similar historical time interval to the selected time interval, and determine a historical capacity level for the restaurant during the similar historical time interval. The capacity analysis computing device is further configured to assign the historical capacity level as the current capacity level for the restaurant, and display the current capacity level on the user computing device.Type: GrantFiled: June 2, 2016Date of Patent: February 9, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: David J. Senci, Todd Woodruff, Peng Yang, Ravi Santosh Arvapally, Matt Scott Morice
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Patent number: 10776589Abstract: 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: GrantFiled: December 15, 2017Date of Patent: September 15, 2020Assignee: Mastercard International IncorporatedInventors: Christopher John Merz, Matthew Scott Morice, Ravi Santosh Arvapally
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Publication number: 20200184485Abstract: Systems and methods are provided for processing messages from users, via interactive interfaces, requesting support relating to features of applications available to the users. In connection therewith, the systems and methods normalize and score the user messages, and use the scores, in combination with scores for historical messages or scores for crowdsourced messages, to identify appropriate response messages for transmittal to the users. In various aspects, the crowdsourced solutions can be voted by both users and domain experts, and also verified by the domain experts. If a solution is verified it will be flagged and it can be included into a reference solution database as a standard response. However, when the scores assigned to the messages do not produce suitable results, a request for additional information relating to the issue described by the user is transmitted via the interactive interface.Type: ApplicationFiled: February 18, 2020Publication date: June 11, 2020Inventors: Ravi Santosh Arvapally, Peng Yang, Walter F. Lo Faro, Kimberly S. Rodgers-Stewart
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Patent number: 10671818Abstract: 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: GrantFiled: December 15, 2017Date of Patent: June 2, 2020Assignee: Mastercard International IncorporatedInventors: Christopher John Merz, Matthew Scott Morice, Ravi Santosh Arvapally
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Patent number: 10657606Abstract: Systems and methods are provided for verifying and/or confirming merchant data for multiple different transactions. One method generally includes accessing merchant data for a merchant where the merchant data includes a master merchant identifier for the merchant, and querying, by a computing device, multiple users as to which of a list of merchant data entries, for multiple different transactions and including different merchant identifiers, corresponds to the master merchant identifier for the merchant. The users are associated with a location within a predefined distance of the confirmed merchant and/or have performed one or more purchase transactions at the merchant. The method also generally includes receiving, at the computing device, a response from at least one of the users, in which the at least one of the users selects a data entry from the list, and determining whether to proceed in querying additional users.Type: GrantFiled: May 31, 2019Date of Patent: May 19, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ravi Santosh Arvapally, Peng Yang
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Publication number: 20200118135Abstract: Systems and methods are provided for use in performing data quality checks on input variables to machine learning systems. One exemplary method includes calculating a first moment associated with a long term variable (LTV), based on the value of the LTV and historical values of the LTV over a defined interval; and calculating a second moment associated with the LTV, based on the value of the LTV and the historical values of the LTV over the defined interval. The first moment and the second moment provide a moment pair. An isolation forest analysis is performed based on the moment pairs. And, a flag is generated for the LTV, when a check value of the LTV is different than the value of the LTV, and/or when the isolation forest analysis indicates the calculated moment pair is an anomaly.Type: ApplicationFiled: October 15, 2019Publication date: April 16, 2020Inventors: Xianzhe Zhou, Xiaoying Zhang, Walter F. Lo Faro, Ravi Santosh Arvapally
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Publication number: 20200118136Abstract: Systems and methods are provided for performing anomaly detection. One exemplary method relates to transaction data including fraud scores output by a fraud score model generated by a machine learning system. The method includes accessing fraud scores for a segment of payment accounts for a target interval and for a series of similar intervals, generating a baseline distribution and a current distribution based on the fraud scores. A divergence value is then determined based on the baseline distribution and the current distribution. An activeness of the segment of payment accounts is also determined, and the operations are repeated for one or more other segments of payment accounts. The method further includes clustering the multiple divergence pairs and designated one or more of the multiple divergence pairs as abnormal based on the clustered divergence pairs.Type: ApplicationFiled: October 15, 2019Publication date: April 16, 2020Inventors: Xiaoying Zhang, Walter F. Lo Faro, Ravi Santosh Arvapally, Xianzhe Zhou
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Publication number: 20200065837Abstract: Systems and methods are provided for evaluating aggregate merchant sets, which are often generated by a payment network. One exemplary method includes accessing, by a computing device, a monitor score and a volatility score for an aggregate merchant set representative of multiple merchants having at least one disparate parameter in a transaction data structure, fuzzy sets for the monitor score and the volatility score comprising linguistic values, and inference rules that use the linguistic values in logical operations. The method also generally includes determining degrees of membership of the monitor score and volatility score to the associated fuzzy sets and generating an evaluation index based on the inference rules and the degrees of membership to the fuzzy sets, thereby providing an indication of a propriety of the aggregation of said multiple merchants.Type: ApplicationFiled: October 29, 2019Publication date: February 27, 2020Inventors: Ravi Santosh Arvapally, Matthew S. Morice, Walter F. Lo Faro
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Patent number: 10475052Abstract: Systems and methods are provided for evaluating aggregate merchant sets, which are often generated by a payment network. One exemplary method includes accessing, by a computing device, a monitor score and a volatility score for an aggregate merchant set representative of multiple merchants having at least one disparate parameter in a transaction data structure, fuzzy sets for the monitor score and the volatility score comprising linguistic values, and inference rules that use the linguistic values in logical operations. The method also generally includes determining degrees of membership of the monitor score and volatility score to the associated fuzzy sets and generating an evaluation index based on the inference rules and the degrees of membership to the fuzzy sets, thereby providing an indication of a propriety of the aggregation of said multiple merchants.Type: GrantFiled: December 22, 2015Date of Patent: November 12, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ravi Santosh Arvapally, Matthew S. Morice, Walter F. Lo Faro
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Publication number: 20190287184Abstract: Systems and methods are provided for verifying and/or confirming merchant data for multiple different transactions. One method generally includes accessing merchant data for a merchant where the merchant data includes a master merchant identifier for the merchant, and querying, by a computing device, multiple users as to which of a list of merchant data entries, for multiple different transactions and including different merchant identifiers, corresponds to the master merchant identifier for the merchant. The users are associated with a location within a predefined distance of the confirmed merchant and/or have performed one or more purchase transactions at the merchant. The method also generally includes receiving, at the computing device, a response from at least one of the users, in which the at least one of the users selects a data entry from the list, and determining whether to proceed in querying additional users.Type: ApplicationFiled: May 31, 2019Publication date: September 19, 2019Inventors: Ravi Santosh Arvapally, Peng Yang
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Publication number: 20190188422Abstract: 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: ApplicationFiled: December 15, 2017Publication date: June 20, 2019Applicant: Mastercard International IncorporatedInventors: Christopher John Merz, Matthew Scott Morice, Ravi Santosh Arvapally
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Publication number: 20190188423Abstract: 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: ApplicationFiled: December 15, 2017Publication date: June 20, 2019Applicant: Mastercard International IncorporatedInventors: Christopher John Merz, Matthew Scott Morice, Ravi Santosh Arvapally
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Patent number: 10319042Abstract: Systems and methods are provided for verifying and/or confirming merchant data for multiple different transactions. One method generally includes accessing merchant data for a merchant where the merchant data includes a master merchant identifier for the merchant, and querying, by a computing device, multiple users as to which of a list of merchant data entries, for multiple different transactions and including different merchant identifiers, corresponds to the master merchant identifier for the merchant. The users are associated with a location within a predefined distance of the confirmed merchant and/or have performed one or more purchase transactions at the merchant. The method also generally includes receiving, at the computing device, a response from at least one of the users, in which the at least one of the users selects a data entry from the list, and determining whether to proceed in querying additional users.Type: GrantFiled: October 20, 2015Date of Patent: June 11, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ravi Santosh Arvapally, Peng Yang
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Publication number: 20180137516Abstract: Systems and methods are provided for scoring support messages from users indicative of the likelihood of escalation of the messages, upon which the messages may be prioritized. One exemplary method includes receiving, from a user, a support message related to a payment service provider and generating an escalation score for the support message based on a temporal factor associated with a duration associated with the support message, a source factor for the support message, and a text content factor of the support message. The exemplary method further includes identifying a likelihood of escalation of the support message based on the escalation score, whereby a support representative assigned to the support message is able to prioritize the support message over at least one other support message based on the likelihood of escalation for the support message.Type: ApplicationFiled: November 16, 2016Publication date: May 17, 2018Inventors: Xiaoying Zhang, Ravi Santosh Arvapally, Hasan Hicsasmaz
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Publication number: 20180052761Abstract: Systems and methods are provided for use in distributing code testing tasks among multiple testers, and incentivizing testing with rewards. One exemplary method includes testing, by a computing device, a code set, where the testing is performed by a tester associated with a profile, and receiving, by the computing device, peer tester feedback based on the testing of the code set, where the peer tester feedback is associated with at least one peer tester profile. The method also includes receiving, by the computing device, a developer decision based on the testing of the code set and/or the peer tester feedback, and rewarding, by the computing device, the profile of the tester and/or the at least one peer tester profile when the developer decision agrees with the testing of the code set and/or the tester feedback associated with the at least one peer tester profile.Type: ApplicationFiled: August 17, 2016Publication date: February 22, 2018Inventors: Matthew Scott Morice, Ravi Santosh Arvapally, Walter F. Lo Faro