Systems and methods to detect changes in merchant identification information

US10817957B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Ilker Celikyilmaz · Mountain View, US
• Sashideep Chanda · Pleasanton, US
• Raman Chinnappan · Foster City, US
• Basudeb Ghosh · Foster City, US
• Kalpana Jogi · San Francisco, US
• Mahesh Joshi · Hillsborough, US
• Muhammad Bassam Adil Khan · San Mateo, US

Key dates

• Filing date: Mar 6, 2019
• Grant date: Oct 27, 2020
• Expiry date: Apr 25, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/12
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system and method to detect changes in transaction parameters for the identification of a store of the merchant in a payment processing network. The system is configured to monitor input data, such as acquirer's merchant master file (AMMF), transaction records, to detect transaction parameters of a processing entity that partially match with the transaction parameters associated with an external, persistent identifier of the merchant and/or the store of the merchant, determine a change or difference introduced in the detect transaction parameters, and update the set of transaction parameters associated with the persistent identifier of the store of the merchant that can be used to identify the set of transaction parameters of the store in a communication external to the communication system of the payment processing network.