Mastercard was granted a patent for fraud controls on hybrid payment networks.

{
  "signal_id": "68736bae-8ce5-529a-be8c-f2753aaad46a",
  "signal_type": "patents-company",
  "signal_subtype": "patentGrant",
  "detected_at": "2026-09-23T15:08:16+00:00",
  "company": {
    "name": "Mastercard",
    "domain": "mastercard.com"
  },
  "data": {
    "cpc": [
      {
        "code": "G06Q 20/4016",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      },
      {
        "code": "G06F 17/18",
        "label": "Electric digital data processing"
      },
      {
        "code": "G06Q 20/4014",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      },
      {
        "code": "G06Q 20/4097",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      }
    ],
    "tags": [
      "Intellectual Property",
      "Research & Development",
      "Fraud Protection",
      "Financial Transactions"
    ],
    "detail": "In September 2026 Mastercard patented account-to-account payment fraud screening for hybrid networks connecting consumers, merchants, and card settlement accounts.",
    "summary": "Mastercard was granted a patent for fraud controls on hybrid payment networks.",
    "event_at": "2026-09-22",
    "inventors": [
      {
        "name": "Peter Groarke",
        "status": "resolved",
        "is_primary": true,
        "linkedin_url": "https://www.linkedin.com/in/peter-groarke-25757a99"
      },
      {
        "name": "Ionut Nistor",
        "status": "unresolved",
        "is_primary": false
      },
      {
        "name": "Ahmed Hosny",
        "status": "unresolved",
        "is_primary": false
      }
    ],
    "tech_area": "business methods / CRM / fintech",
    "event_kind": "grant_date",
    "grant_date": "2026-09-22",
    "source_url": "https://patents.google.com/patent/US12743697",
    "cpc_primary": {
      "code": "G06Q 20/4016",
      "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
    },
    "patent_title": "Implementing fraud controls on a hybrid network",
    "patent_number": "US12743697",
    "uspto_assignee": "MASTERCARD INTERNATIONAL INCORPORATED",
    "patent_abstract": "A computer implemented method of assessing the probability of fraudulent activity in an account to account payment is provided. The method comprises determining, based on previous credit balance settlement transactions between a first account and a card settlement account, that a first set of payment credentials is associated with the first account. It is determined that a second set of payment credentials are associated with the merchant account. A database comprising historical data indicating details of past payment transactions between the holder of the first set of payment credentials to the holder of the second set of payment credentials is accessed. A fraud probability engine is used to generate, based on the historical data, a fraud probability value for a transaction from a first account to a second account, wherein the fraud probability value is an estimate of the probability of the transaction being fraudulent.",
    "precision_class": "structural",
    "invention_explanation": "A method that compares payment credentials with past settlement activity to estimate whether an account-to-account payment may be fraudulent.",
    "technologies_mentioned": [
      "payment fraud detection",
      "account-to-account payments",
      "payment credentials",
      "transaction databases"
    ]
  }
}

curl https://signals.autobound.ai/v1/signals/68736bae-8ce5-529a-be8c-f2753aaad46a \
  -H "X-API-KEY: $AUTOBOUND_API_KEY"

curl -X POST https://signals.autobound.ai/v1/companies/enrich \
  -H "X-API-KEY: $AUTOBOUND_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"domain":"mastercard.com","limit":20}'