Artificial Intelligence

Technology & Solutions

Discover Mastercard’s online resources tailored around technology & solutions.

Artificial Intelligence

Our strategy of collaborative artificial intelligence is designed to quickly and accurately uncover the relationships necessary to build trust and enable successful payment experiences in an expanding and complex environment. Mastercard’s collaborative artificial intelligence is a capability we’ve built into our network which allows a coordinated set of AI-based services to act within milliseconds, for millions of transactions a day, to facilitate intelligent security decisions that help our customers reduce fraud losses and improve their profitability

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Assurance IQ

Mastercard Assurance IQ is an information exchange framework that enables merchants to share eCommerce data with issuers in card-not-present environments. By facilitating the exchange and normalization of consumer account and device data provided by participating merchants, Assurance IQ helps give issuers a level of assurance that consumers are transacting using attributes- such as account, device, and IP address, for example- that are typically associated with them. As a result, issuers can make smarter transaction decisions- increasing revenue, delivering a more consistently positive consumer experience, and deepening customer relationships.

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Authorization IQ

Mastercard Authorization IQ provides issuers with segmented account spending insights at the time of a card usage across multiple dimensions to help issuers identify the best-spending or most-frequent spending cardholders who represent the best revenue opportunity. Authorization IQ enables issuers to make more informed authorization decisions, helping to increase approvals of genuine transactions without increase risk exposure.

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Automatic Billing Updater

Mastercard Automatic Billing Updater (ABU) enables issuers and acquirers to securely communicate account changes for card-on-file and recurring payments to merchants—increasing approvals of card-not-present transactions and boosting customer satisfaction while reducing customer service demand.

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Biometric Authentication

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CAST Approval for Mobile Payment Applications

The CAST (Compliance Assessment & Security Testing) process for Mobile Payment Applications has been improved to take advantage of the online nature of mobile devices and their capability for post issuance download of applications into Secure Elements. This differs slightly to the CAST model for traditional smartcards. It is the intention of this white paper to explain the differences and the new process impact.

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Chip Usability

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Consumer Awareness of EMV Chip

As part of our commitment to help our customers get to market rapidly with the right chip solution for their businesses, Mastercard conducted research in June 2013 and again in March 2014 to gain further understanding of consumer awareness of, and attitudes toward, chip. The following report provides the current insight into consumer awareness, and their needs and preferences toward chip in the U.S.

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Decision Intelligence

Mastercard Decision Intelligence is a real-time authorization decisioning solution that applies thousands of data points and sophisticated modeling techniques to each transaction, simplifying these insights into a single transaction decision score that helps issuers fine-tune their authorization decisions in order to approve more genuine transactions without increasing risk.

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Du Case Study

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EMV Liability Chart

As more consumers become aware of EMV technology and look to adopt chip cards for greater security, how can issuers help cardholders successfully transition to new behaviors at the point of sale? Providing clear guidance on the benefits of a chip card and how to use it is key to turning awareness into chip transactions.

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Fraud Dashboard

The Mastercard Fraud Dashboard is a solution that gives acquirers and merchants insight into their operational and fraud-related statistics. It provides daily trending in addition to transaction details regarding authorization declines, chargebacks and fraudulent transactions.

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Fraud Prevention Training

This course will explore the basic knowledge of the payment card industry and the relationships in the context of transaction processing and the activities that link cardholders, merchants, issuers, and acquirers. Processes, products and services will be shared as it relates to fraud management.

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Identity Check Mobile

Mastercard Identity Check Mobile is an app-based authentication solution that enables cardholders to choose and use biometric identifiers, such as fingerprint or facial recognition to verify their identity through their mobile device for shopping and banking activities.

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Implementation Overview: Acquirer/Merchant

This module provides a detailed overview of the 3D-Secure protocol (technical infrastructure), and includes enrollment, technical and testing requirements for SecureCode deployment by acquirers / merchants.

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Location Alerts

By linking the location of a cardholder’s mobile device with the location of an attempted transaction, issuers have additional location intelligence to enhance fraud controls and increase domestic and cross-border acceptance.

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Mastercard EMV Chip Technology

Mastercard, in consultation with merchants, issuers, acquirers and processors, has developed a road map focused on advancing the U.S. electronic payments system, while providing each customer the flexibility to manage technology implementation that advances their business goals.

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Mastercard Safety Net

Mastercard Safety Net provides an external layer of defense – independent from issuer and processor systems – with selective online authorization controls that block transactions based on multiple criteria. It protects Mastercard issuers and processors from the damage that can result from large-scale fraud events.

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NuDetect

As part of Mastercard’s layered approach to payment security, NuDetect provides issuers and merchants a solution to help address potential cyber and device-specific threats. This solution delivers unparalleled ‘good’ user verification with accuracy by encompassing aggregated behavioral intelligence, analysis of integrated technology and continuous real-time fraud prevention.

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Spend Alerts & Controls

Mastercard Spend Alerts and Controls provide financial institutions with card management tools that they can offer to their customers—including popular personalized real-time alerts, as well as budget controls, and virtual card numbers (VCNs)—that help to  increase cardholder engagement and usage.

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Strategic Roadmap for keeping U.S. Payments Secure

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