MUMBAI, India, Oct. 24 -- Intellectual Property India has published a patent application (202441031127 A) filed by Mastercard International Incorporated, Purchase, U.S.A., on April 18, 2024, for 'methods and systems for detecting unauthorized reseller.'
Inventor(s) include Nikhil Tumbde; Kamal Kant; Nitish Kumar; and Sonia Gupta.
The application for the patent was published on Oct. 24, under issue no. 43/2025.
According to the abstract released by the Intellectual Property India: "Embodiments provide methods and systems for detecting unauthorized resellers in payment transactions. Method includes receiving an authorization (auth) request of a payment transaction between a merchant and a cardholder. Method includes accessing multiple features based on multiple payment transactions performed by the cardholder with multiple merchants. At least one feature of the multiple features indicate a hoarding transaction pattern associated with a set of labeled payment transactions. Method includes generating, via a pseudo-label generation model, a pseudo-label for each unlabeled payment transaction, for generating a set of pseudo-labeled payment transactions. Method includes generating, via a hoarding prediction model, a hoarding probability score for the payment transaction based on the set of labeled payment transactions and the set of pseudo-labeled payment transactions. The hoarding probability score indicates a likelihood of the payment transaction being associated with a hoarding risk. Method includes transmitting the hoarding probability score to an acquirer server."
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