Mastercard AI Validates Genuine Transaction Cards Using Anomaly Risk Scoring
Summary
The USPTO has published patent application US20260099848A1 assigned to Mastercard International Incorporated, filed October 8, 2024. The application covers an AI system for validating genuine transaction cards using liveliness checks, image feature extraction, and anomaly risk scoring to determine card authenticity.
What changed
The USPTO published a patent application from Mastercard International for an AI-based system and method to validate genuine transaction cards. The system receives validation requests from merchant applications, performs liveliness checks, extracts card features via AI, and determines authenticity based on an anomaly risk score threshold.
Patent applications do not create immediate compliance obligations. However, this application indicates Mastercard's direction in AI-driven transaction authentication technology, which may influence fraud detection standards and card validation practices in the payment industry.
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Apr 12, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
SYSTEM AND METHOD FOR VALIDATING A GENUINE TRANSACTION CARD
Application US20260099848A1 Kind: A1 Apr 09, 2026
Assignee
Mastercard International Incorporated
Inventors
Sachin Kumar Singh, Kaushal Shetty, Mayank Joshi
Abstract
A system and method for validating a genuine transaction card. A request to validate a transaction card is received from a merchant application running on a mobile device. In response to the request, a validator service module performs a liveliness check of the transaction card. The validator service module receives, via a data streaming engine, transaction card image data of the transaction card. The data streaming engine does not store the transaction card image data in a memory of the mobile device. An AI validation model extracts one or more transaction card features from the transaction card image data. The AI validation model determines an anomaly risk score based on the extracted transaction card features. The AI validation model validates the transaction card based on the anomaly risk score being less than a predetermined threshold value.
CPC Classifications
G06Q 20/4016 G06Q 20/357
Filing Date
2024-10-08
Application No.
18909679
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