Mastercard International Incorporated

Cristobel Kay Von Walstrom

Gary Randall Horn

Todd Christian Lowenberg

Kimberly Ann Martin

Richard Thomas Flynn

Thomas Joseph Sellner

Peter Julian Ramon Antonio R Flor

Ana Paula Martinez Prada Peyser

Raegen Ann-Marie Lang

Jason Alexander Korosec

Bruce William Mac Nair

Bruce William MacNair

Jason Alexander Kiorosec

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A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with 'do not recognize' calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.

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Greenwich, CT, United States of America

Cristobel Kay Von Walstrom