Verified Buyer Ratings From Cross-Platform Transaction Data

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Solution Overview

Problem

Merchants lack accurate and platform-agnostic buyer ratings for transactions, as existing feedback systems are limited to a specific marketplace and do not protect against fraudulent activities by consumers using different accounts or marketplaces.

Innovation Solution

A system and method for generating verified buyer ratings using past transaction data and other available data sources, applying machine learning algorithms to assess the likelihood of successful transaction funding and potential chargebacks, providing ratings that can be used to automatically proceed or decline transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If merchants use existing marketplace feedback systems to assess buyer reliability, then they can obtain some transaction history information, but the ratings are limited to a specific marketplace and do not provide platform-agnostic protection against fraudulent activities

Engineering Contradiction:

Improvebuyer reliability assessmentVSAvoidplatform agnosticism

Core Design Contradiction:

ReliabilityVSAdaptability or versatility

Solution Approach 1:

The patent creates a universal buyer rating system that functions across multiple marketplaces and platforms. The system aggregates transaction data from various sources (different marketplaces, direct merchant transactions) to generate a single buyer profile that merchants can access regardless of where the transaction occurs, making the protection mechanism platform-agnostic and versatile

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Reliability

If merchants manually review buyer feedback and transaction histories to assess transaction risk, then they can make informed decisions, but the process requires significant time and effort

Engineering Contradiction:

Improvetransaction securityVSAvoidtime for manual review

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by automatically generating buyer ratings and risk assessments before merchants need to evaluate them. The rating is pre-calculated based on aggregated transaction data, so when a merchant receives a transaction request, the assessment is already complete and ready for immediate use, eliminating the need for manual review at the time of transaction

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system enables self-service by automatically gathering transaction data, analyzing buyer behavior patterns, and generating ratings without requiring merchant intervention. The merchant simply queries the existing rating system rather than manually collecting and analyzing data themselves

Inventive Principle:

Principle #25Self-service

3Measurement precision

If the system aggregates extensive transaction data from multiple sources to generate accurate buyer ratings, then the reliability of fraud detection improves, but the complexity of data collection and processing increases

Engineering Contradiction:

Improvebuyer rating accuracyVSAvoiddata processing system complexity

Core Design Contradiction:

Measurement precisionVSDevice complexity

Solution Approach 1:

The patent introduces an intermediary rating system that sits between multiple data sources and merchants. This intermediary automatically collects, aggregates, and processes transaction data from various marketplaces and direct transactions, then presents a simplified buyer rating to merchants. The complexity of data aggregation is contained within the intermediary system rather than being exposed to merchants

Inventive Principle:

Principle #24Intermediary (Mediator)

4Loss of information

If the system provides detailed transaction history and metrics to merchants, then merchants can make more informed decisions, but the amount of information processing required increases

Engineering Contradiction:

Improvetransaction information availabilityVSAvoidinformation processing ease

Core Design Contradiction:

Loss of informationVSEase of operation

Solution Approach 1:

The system applies local quality by providing different levels of information detail to different users based on their needs. The buyer rating summary provides essential risk assessment information to most merchants, while detailed transaction histories and metrics are available on-demand for merchants who need deeper analysis of specific buyers or transactions

Inventive Principle:

Principle #3Local quality

Data Source

PatentUS20250225556A1Method and system for providing verified buyer ratings to sellers

Publication Date: 2025.07.10 MASTERCARD INT INC

AI summary

A method for generating a verified buyer rating for a buyer in a proposed payment transaction includes: storing an account profile associated with a transaction account including an account identifier and transaction data for a plurality of processed payment transactions funded by the transaction account; receiving a plurality of transaction values for the proposed payment transaction funded by the transaction account; and generating the verified buyer rating based on one or more transactional metrics, the one or more transactional metrics based on the transaction data for the plurality of processed payment transactions and a comparison of the plurality of transaction data values for the proposed payment transaction with the transaction data for one or more of the plurality of processed payment transactions.