Mastercard Secure Data Transfer Patent Granted
Summary
The USPTO granted U.S. Patent No. US12609825B2 to Mastercard International Incorporated on April 21, 2026. The patent covers a method of securely processing data transfer requests over a network using tokenization, wherein a first token associated with sensitive user data is linked to a token reference and a second token is derived using ad hoc logic to process data transfer requests from third parties. This patent grant confers exclusive rights to the claimed secure data transfer method to Mastercard for the remaining term of the patent.
“The present invention discloses a method of processing a data transfer request securely over a network, the method comprising the steps of obtaining, by a first entity, a first token associated with sensitive data received from a user”
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GovPing monitors USPTO Patent Grants - Business Methods (G06Q) for new banking & finance regulatory changes. Every update since tracking began is archived, classified, and available as free RSS or email alerts — 44 changes logged to date.
What changed
The USPTO issued Patent No. US12609825B2 to Mastercard International Incorporated, granting exclusive rights to a method of securely processing data transfer requests over a network. The patented method involves obtaining a first token associated with sensitive data from a user, linking that token to a stored token reference, sending the reference to a second entity, deriving a second token using ad hoc logic, and processing data transfer requests using the second token.
For Mastercard and other payment network operators, this patent grant establishes enforceable intellectual property rights that may influence competitive dynamics in secure transaction processing. Parties developing competing tokenization or secure data transfer technologies should review the patent claims to assess potential infringement risks or licensing considerations.
Archived snapshot
Apr 26, 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.
Secure data transfer
Grant US12609825B2 Kind: B2 Apr 21, 2026
Assignee
Mastercard International Incorporated
Inventors
Manu Dharmaiah Kallugudde
Abstract
The present invention discloses a method of processing a data transfer request securely over a network, the method comprising the steps of obtaining, by a first entity, a first token associated with sensitive data received from a user; associating the first token with a token reference and storing the token reference; sending the token reference to a second entity; requesting a second token from a second entity upon receiving a data transfer request from a third entity, wherein the second token is derived from the first token using an ad hoc logic; and processing the data transfer request using the second token.
CPC Classifications
H04L 9/3213 H04L 9/3228 H04L 9/3234 H04L 2209/56 G06Q 20/38215
Filing Date
2024-07-14
Application No.
18772191
Claims
20
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