Mastercard’s decades of experience innovating and managing transactions provide us with a vast range of high-level transaction intelligence derived from anonymized and aggregated data. Our models are trained on this intelligence to learn patterns and anomalies from anywhere in the world Mastercard does business. Models are built following Privacy by Design standards and meet compliance locally and globally.

Our Transaction Fraud Monitoring solution intercepts at pre-authorization, identifying fraud before it hits other security defenses. Our AI models’ protection and accuracy are high because they’re pre-trained on the most sophisticated fraud attempts worldwide. They don’t have to refer to network data during transactions to score events, resulting in faster response times.

Decision Intelligence (DI) is optimized for issuers at the authorization stage of transactions. Transaction Fraud Monitoring (TFM) is optimized for acquirers, providing risk scores on data elements at the preauthorization stage (point of sale), adding an additional layer of defense to any network transaction.

Both solutions operate behind the scenes, analyzing transaction data in real time and flagging potential fraud for further investigation by financial institutions or payment processors. DI and TFM are available for any card brand or payments network through Access. 

Because we’ve trained the model with the most difficult-to-catch fraud intelligence, further training is not required. With just a minimal amount of your data – as few as 30 data elements – to initialize the model, it’s ready to identify anomalous patterns and begin scoring.  

Global transaction intelligence brings knowledge from the broader market to deliver fewer false positives and higher fraud detection rates. One global acquirer increased fraud detection 2-3 times and increased approvals by 7.4 percent.  

Yes, you can. Using AI Express, we will quickly build a complex custom AI solution using Brighterion AI technology and prepare you for model deployment in a matter of weeks.

Our team will meet with yours to discuss your business challenge. The Mastercard team comprises data scientists skilled at designing custom AI models, domain experts experienced in using AI for transaction fraud detection, and developers who build models geared to solving your business’s challenge. One of our skilled project managers will keep the team on track and liaise with your team lead.