John Edward Chisholm

US Patent:

8126791, Feb 28, 2012

Filed:

Nov 14, 2008

Appl. No.:

12/271643

Inventors:

John D. Chisholm - Ballwin MO, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

A method for enriching the data associated with financial transaction card transactions using a computer system is described. The method includes receiving financial transaction data from a plurality of input channels, each input channel associated with a financial transaction data format, converting the received financial transaction data into a common data format, enriching the converted financial transaction data by scoring the converted financial transaction data across a plurality of scoring engines, converting the plurality of scores relating to the financial transaction data from the scoring engines into output data, and transmitting the output data using an output manager, the output manager operable to provide the data into a format appropriate for each intended recipient.

US Patent:

20090171709, Jul 2, 2009

Filed:

Dec 28, 2007

Appl. No.:

11/966411

Inventors:

John D. Chisholm - Ballwin MO, US
Paul Paolucci - West Harrison NY, US
Teresa L. Bryan - O'Fallon MO, US
John Brady - North Salem NY, US

International Classification:

G06Q 10/00

US Classification:

705 7

Abstract:

A method for assessing sales activity of a merchant using a computer system coupled to a database is provided. The sales activity includes purchases made by a customer using a financial transaction card over a financial transaction card network. The method includes storing within the database a plurality of merchant profiles wherein each merchant profile describes a customer community of the corresponding merchant utilizing the financial transaction card network, determining a violator merchant profile based on a customer community associated with a violator merchant wherein the violator merchant uses the financial transaction card network to engage in at least one of illegal, potentially illegal and undesirable sales activities with at least a portion of the associated customer community, comparing the violator merchant profile to each merchant profile stored within the database, and identifying at least one potential violator merchant for further investigation based on the comparison.

US Patent:

20120130897, May 24, 2012

Filed:

Feb 1, 2012

Appl. No.:

13/364190

Inventors:

John D. Chisholm - Ballwin MO, US

International Classification:

G06Q 20/40
G06N 5/02

US Classification:

705 44

Abstract:

A method for enriching the data associated with financial transaction card transactions using a computer system is described. The method includes receiving financial transaction data from a plurality of input channels, each input channel associated with a financial transaction data format, converting the received financial transaction data into a common data format, enriching the converted financial transaction data by scoring the converted financial transaction data across a plurality of scoring engines, converting the plurality of scores relating to the financial transaction data from the scoring engines into output data, and transmitting the output data using an output manager, the output manager operable to provide the data into a format appropriate for each intended recipient.

US Patent:

20120197802, Aug 2, 2012

Filed:

Jan 27, 2012

Appl. No.:

13/360537

Inventors:

Janet Smith - Des Peres MO, US
John D. Chisholm - Ballwin MO, US
Johan Gerber - Wildwood MO, US
Clara Salazar - Ballwin MO, US
Matthew Wickman - O'Fallon MO, US
Susan Meyer - St. Charles MO, US
Rachael Vahle Cordero - O'Fallon MO, US
Christopher John Merz - Wildwood MO, US

International Classification:

G06Q 20/40

US Classification:

705 44

Abstract:

A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.

US Patent:

20220222672, Jul 14, 2022

Filed:

Mar 14, 2022

Appl. No.:

17/694315

Inventors:

- Purchase NY, US
John D. Chisholm - Ballwin MO, US

International Classification:

G06Q 20/40
G06Q 20/04
G06Q 40/02

Abstract:

A computer-implemented method of providing enriched transaction data for a transaction requiring an authorization is provided, the transaction performed using a computer system having a processor and a memory device. The method includes storing transaction data received from an input channel, the transaction data including a transaction identifier. An execution plan is retrieved based at least in part on the transaction identifier. The transaction data is processed across an enrichment processor based on the execution plan to generate at least one fraud score for the transaction. The transaction data is enriched to include at least one of the fraud score and an enriched data object. The enriched data is transmitted to an authorizing party for authorization.

US Patent:

20210158314, May 27, 2021

Filed:

Feb 2, 2021

Appl. No.:

17/165164

Inventors:

- Purchase NY, US
John D. Chisholm - Ballwin MO, US
Michelle L. Hafner - Chesterfield MO, US
Peter Groarke - Dublin, IE

International Classification:

G06Q 20/10
G06Q 10/10
G06F 21/62

Abstract:

An automatic billing updater (ABU) manager computing device for managing an account information data source and tracking access to the account information data source is provided. The ABU manager computing device receives account data from an issuing party, stores the account information in an account information data source, and provides the account data to requesting parties. The ABU manager computing device tracks access to the stored account data via an ABU traffic data source. ABU manager computing device may also track transaction-related messages corresponding to the stored account data in a transaction traffic data source. In certain embodiments, ABU manager computing device may generate and transmit notifications based on data stored in one or more of the stored account data, the ABU traffic data source, and the transaction traffic data source.

US Patent:

20210012345, Jan 14, 2021

Filed:

May 24, 2019

Appl. No.:

16/422680

Inventors:

- Purchase NY, US
John D. Chisholm - Ballwin MO, US
Johan Gerber - Wildwood MO, US
Clara Salazar - Ballwin MO, US
Matthew Wickman - O'Fallon MO, US
Susan Meyer - St. Charles MO, US
Rachael Vahle Cordero - O'Fallon MO, US
Christopher John Merz - Wildwood MO, US

International Classification:

G06Q 20/40
G06Q 20/12
G06Q 20/38

Abstract:

A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.

US Patent:

20200005313, Jan 2, 2020

Filed:

Jul 8, 2019

Appl. No.:

16/505397

Inventors:

- Purchase NY, US
John D. Chisholm - Ballwin MO, US

International Classification:

G06Q 20/40
G06Q 20/04
G06Q 40/02

Abstract:

A computer-implemented method of providing enriched transaction data for a transaction requiring an authorization is provided, the transaction performed using a computer system having a processor and a memory device. The method includes storing transaction data received from an input channel, the transaction data including a transaction identifier. An execution plan is retrieved based at least in part on the transaction identifier. The transaction data is processed across an enrichment processor based on the execution plan to generate at least one fraud score for the transaction. The transaction data is enriched to include at least one of the fraud score and an enriched data object. The enriched data is transmitted to an authorizing party for authorization.