Michael T Pope

US Patent:

8630953, Jan 14, 2014

Filed:

Sep 14, 2012

Appl. No.:

13/618422

Inventors:

David C. Youngberg - St. Charles MO, US
Michael J. Pope - Florissant MO, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 40/00

US Classification:

705 44, 705 35

Abstract:

Methods and systems for labeling payment transactions with a transaction lifecycle label using a lifecycle labeling computer system are provided. The system stores authorization, clearing and fraud data associated with a plurality of payment transactions within a database. The system further generates a first table of matching transaction identifiers for a first group of transactions included within the plurality of transactions by matching authorization data to clearing data for the first group of payment transactions The system then generates a second table of matching transaction identifiers for a second group of transactions included within the plurality of transactions by matching clearing data to fraud data for the second group of payment transactions The system also generates a third table of matching transaction identifiers by comparing the first table of transaction identifiers to the second table of transaction identifiers using the lifecycle labeling computer system.

US Patent:

20170178134, Jun 22, 2017

Filed:

Dec 17, 2015

Appl. No.:

14/973232

Inventors:

- Purchase NY, US
Michael J. Pope - Florissant MO, US
Peng Yang - Chesterfield MO, US

International Classification:

G06Q 20/40

Abstract:

A chargeback processing computing device is provided. The chargeback processing computing device may include a chargeback prediction module configured to extract transaction information about a plurality of transactions authorized using an account, an account profile information module configured to extract account profile information, the account profile information comprising historical chargeback information about the plurality of transactions authorized using the account, a model generating module configured to generate a chargeback prediction model for the account based on the extracted transaction information and the account profile information, a receiver configured to receive a candidate transaction paid for using the account, wherein the chargeback prediction module is configured to extract transaction information from the candidate transaction, and a processor configured to generate a chargeback prediction score indicating a likelihood that the candidate transaction will result in a chargeback based on the extracted transaction clearing information and the generated chargeback prediction model.