Identity verification solutions that raise your growth potential and protect your platform

Mastercard Identity Network’s identity solutions are primed with vetted, model-ready data and powered by machine learning data analytics.

Identity Graph

Our database uses licensed data to discover a person’s digital identity. This proprietary dataset allows you to connect vital information about your customers.

Identity Network

Tracking patterns of identity elements used online, the network draws data from over 200 million monthly real-world queries. Your customer’s data is cross-checked against network data to determine the probability of fraud, providing actionable risk signals for informed decision-making.

Questions? We’ve got answers.

Where does Mastercard Identity get its data?

We aggregate our data from more than 100 different sources worldwide. There is a great diversity in the types of sources contributing to our Identity Graph database. We cannot say exactly from whom we source our data, but we can provide the types of companies we work with. Our most common data sources are telcos, local postal authorities (e.g., USPS), cable and utilities, directory assistance, and credit bureaus.

Additionally, with our Identity Network, we can analyze billions of historical transactions across our extensive customer base of more than 50M unique monthly users; we use this intelligence for any new transaction. Ekata’s proprietary network monitors linkages and associations across billions of data elements to identify predictable real-time patterns that correspond to the behavior of genuine customers versus those of fraudsters. The scale and diversity of our transaction queries are analyzed through complex machine learning to derive unique velocity, popularity, and volatility features. These proprietary features improve product performance by maximizing predictive lift for businesses to approve more customer transactions and find fraud confidently.

What makes Mastercard Identity Network’s data better than others?

There are three primary reasons why the Mastercard Identity Network data is reliably accurate:

• Our rigorous due diligence on knowing where our partners source the data, their viability as a long-term partner, ensuring the data is vetted and model-ready and the performance accuracy/coverage of the data.
• We invest significantly in data science and engineering. Our largest engineering team is Data Services, which is responsible for onboarding new data sources, developing entity resolution algorithms, and building the technology that powers our Identity Network.
• Our product management team obsessed with solving customers’ problems by using the Identity Network, sophisticated data science, and machine learning to innovate world-class identity verification solutions. This team frequently meets with clients to understand their identity verification, fraud prevention, risk modeling and other challenges. This keeps on the pulse of what is currently happening in the market, along with new and evolving threats.

Does Mastercard Identity provide data coverage outside the United States?

Yes, all of our products provide coverage in over 239 countries and territories.

What is an Identity Risk Score?

Identity Risk Scores are delivered through our identity verification APIs and SaaS solution presented as a value from 0-500, the higher the number the riskier the transaction.

The Identity Network’s machine learning engine is trained using over 150 features in the Network data sets, including identity element metadata, or combined elements seen together in the last 90 days like email and IP address. These features are selected based on their probabilistic power for detecting fraud, with each input type given equal weight.