US Patent Issued to Visa International Service Association on Oct. 20 for "System, method, and computer program product for interpreting black box models for payment authorization decisions" (Texas, California Inventors)

ALEXANDRIA, Va., Oct. 21 -- United States Patent no. 12,770,142, issued on Oct. 20, was assigned to Visa International Service Association (San Francisco).

"System, method, and computer program product for interpreting black box models for payment authorization decisions" was invented by Xi Kan (Austin, Texas), Dan Wang (Cedar Park, Texas), Okeoghene Duke Onovae (Foster City, Calif.) and Rajat Das (San Mateo, Calif.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A computer-implemented method includes: receiving an inquiry request message identifying a first payment transaction having a first plurality of transaction parameters and a first authorization decision; querying a database including transaction data...