Inventor
MERZ CHRISTOPHER JOHN
US32 patents
⚠️ This page may combine multiple inventors who share the name “MERZ CHRISTOPHER JOHN”. Patents are grouped by organization below to help distinguish them — per-person disambiguation is on the roadmap.
MASTERCARD INTERNATIONAL INC
31 patentsUS11157913B2Oct 26, 2021
Systems and methods for improved detection of network fraud events
MASTERCARD INTERNATIONAL INC13 citations85
US11151569B2Oct 19, 2021
Systems and methods for improved detection of network fraud events
MASTERCARD INTERNATIONAL INC13 citations85
US11017403B2May 25, 2021
Systems and methods for identifying fraudulent common point of purchases
MASTERCARD INTERNATIONAL INC5 citations83
US10937030B2Mar 2, 2021
Systems and methods for early detection of network fraud events
MASTERCARD INTERNATIONAL INC6 citations83
US11521211B2Dec 6, 2022
Systems and methods for incorporating breach velocities into fraud scoring models
MASTERCARD INTERNATIONAL INC6 citations82
US11790431B2Oct 17, 2023
Systems and methods for generating recommendations using a corpus of data
MASTERCARD INTERNATIONAL INC2 citations72
US10776789B2Sep 15, 2020
Data analysis systems and methods for identifying recurring payment programs
MASTERCARD INTERNATIONAL INC2 citations72
US11875349B2Jan 16, 2024
Systems and methods for authenticating online users with an access control server
MASTERCARD INTERNATIONAL INC5 citations70
US10592963B2Mar 17, 2020
Enhanced smart refrigerator systems and methods
MASTERCARD INTERNATIONAL INC2 citations70
US12229781B2Feb 18, 2025
Systems and methods for improved detection of network fraud events
MASTERCARD INTERNATIONAL INC1 citations63
US12400232B2Aug 26, 2025
Systems and methods for detecting out-of-pattern transactions
MASTERCARD INTERNATIONAL INC0 citations62
US11978054B2May 7, 2024
Systems and methods for identifying fraudulent common point of purchases
MASTERCARD INTERNATIONAL INC1 citations62
US11741474B2Aug 29, 2023
Systems and methods for early detection of network fraud events
MASTERCARD INTERNATIONAL INC1 citations62
US11727407B2Aug 15, 2023
Systems and methods for detecting out-of-pattern transactions
MASTERCARD INTERNATIONAL INC0 citations62
US11631083B2Apr 18, 2023
Systems and methods for identifying fraudulent common point of purchases
MASTERCARD INTERNATIONAL INC0 citations62
US11392953B2Jul 19, 2022
Data analysis systems and methods for identifying recurring payment programs
MASTERCARD INTERNATIONAL INC0 citations62
US10896424B2Jan 19, 2021
Systems and methods for detecting out-of-pattern transactions
MASTERCARD INTERNATIONAL INC0 citations62
US12288240B2Apr 29, 2025
Systems and methods for generating recommendations using a corpus of data
MASTERCARD INTERNATIONAL INC0 citations61
US12367494B2Jul 22, 2025
Systems and methods for incorporating breach velocities into fraud scoring models
MASTERCARD INTERNATIONAL INC0 citations59
US11830007B2Nov 28, 2023
Systems and methods for incorporating breach velocities into fraud scoring models
MASTERCARD INTERNATIONAL INC0 citations59
US10776589B2Sep 15, 2020
System and computer-implemented method for identifying defective chip readers through substandard transaction experiences
MASTERCARD INTERNATIONAL INC1 citations59
US12511687B2Dec 30, 2025
Systems and methods for identifying full account numbers from partial account numbers
MASTERCARD INTERNATIONAL INC0 citations58
US11948189B2Apr 2, 2024
Systems and methods for identifying full account numbers from partial account numbers
MASTERCARD INTERNATIONAL INC0 citations58
US12333546B2Jun 17, 2025
System and methods for enhanced approval of a payment transaction
MASTERCARD INTERNATIONAL INC0 citations56
US12260411B2Mar 25, 2025
Systems and methods for authenticating online users
MASTERCARD INTERNATIONAL INC0 citations56
US11423404B2Aug 23, 2022
System and methods for enhanced approval of a payment transaction
MASTERCARD INTERNATIONAL INC0 citations56
US12579546B2Mar 17, 2026
Compromised data source detector and method
MASTERCARD INTERNATIONAL INC0 citations51
US12427801B1Sep 30, 2025
Systems and methods for integrating digital operations with a physical greeting card
MASTERCARD INTERNATIONAL INC0 citations51
US11562361B2Jan 24, 2023
Entity identification based on a record pattern
MASTERCARD INTERNATIONAL INC0 citations51
US12293368B2May 6, 2025
Systems and methods for authenticating online users and providing graphic visualizations of an authentication process
MASTERCARD INTERNATIONAL INC0 citations45
US10671818B2Jun 2, 2020
System and computer-implemented method for identifying defective chip cards through substandard transaction experiences
MASTERCARD INTERNATIONAL INC0 citations38