Bringing More Value To Every Transaction. A look inside MasterCard Global Technology and Operations

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1 Bringing More Value To Every Transaction A look inside MasterCard Global Technology and Operations

2 Anywhere. Any time. Every time.

3 Right now someone, somewhere in the world, is using a MasterCard -branded card. It is the preferred way to pay for millions of people, and they count on us to be there for them every time. And we are, thanks in large part to the expertise and innovation of MasterCard s Global Technology and Operations team. Millions of times a day, every day, we process transactions with the reliability that the world has come to expect of MasterCard. Our processing strength is at the very heart of our promise to customers and their cardholders. MasterCard is committed to using our processing expertise and flexibility to deliver customized business value and business solutions to financial institutions. Beyond the next transaction, we are here to build strong partnerships. We invite you to take a closer look at how our investment in technology is bringing more value to our customers every day. Welcome to MasterCard s Global Technology and Operations headquarters. Warm regards, W. Roy Dunbar President, Global Technology and Operations MasterCard International A look inside MasterCard Global Technology and Operations

4 Delivering On Our Promise The MasterCard Global Technology and Operations center is MasterCard s world processing headquarters. MasterCard s processing experts have been located in St. Louis, Missouri for more than 30 years. Every day cardholders use MasterCard-branded payment cards at millions of acceptance locations around the world. We have processed trillions of dollars in transactions over our network. When you think about it, every transaction is a series of handshakes. The cardholder agrees to pay the financial institution that issues the MasterCard card (the issuer ). The merchant agrees to provide the cardholder with goods or services. The issuer agrees to pay the merchant s financial institution (the acquirer ). The acquirer agrees to pay the merchant At the center of it all, MasterCard agrees to make sure every transaction goes smoothly, managing the software and hardware that makes all of these handshakes possible. This is the brand promise to our customers the heart of what we do here and what MasterCard is all about. Our goal is to bring more value to every transaction, making it a secure, reliable, and rewarding experience for customers and cardholders alike. 2 MasterCard International Incorporated

5 Building the Future MasterCard s Global Technology and Operations are housed in a 550,000 square-foot facility that features an industry-leading data center. MasterCard has invested more than USD $136 million in the facility to ensure that we will always be here for customers and their cardholders. The result is a facility that houses a fast, reliable and scaleable processing platform, as well as a suite of applications that deliver high levels of performance and intelligence Beyond the milestones we ve already achieved, we re constantly improving: Our technologists continue to develop new and faster ways of accurately processing data, creating a new generation of software applications that will drive commerce in the 21st century. Investing in and developing the technologies of tomorrow, we are setting new standards daily. Driving innovation is a global IT staff of thousands. Many of the world s leading technologists in the payments industry work here and have an unparalleled depth of experience and expertise in every aspect of payment processing. This facility is regularly named one of the Best Places to Work in IT by Computerworld, and our staff and projects are often cited as exemplary. Global Technology and Operations 3

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7 Managing Information Flow First it was barter, then currency. Today, information drives commerce, and the purpose of our Global Technology and Operations center is to manage its flow among cardholders, merchants, and financial institutions. The heart of MasterCard s processing is a sophisticated platform of systems that offers speed and flexibility and that helps banks around the world provide unique payment services for cardholders and merchants in thousands of markets. The systems offer unprecedented levels of security, while giving banks the ability to customize and respond to local banking rules or changing consumer demands. MasterCard s global processing operations are integrated worldwide, so we can ensure that the same high levels of reliability and availability are delivered around the globe. In addition, this unified mass of IT expertise enables MasterCard to deliver superior innovation that helps banks get to market rapidly. Our customers tell us MasterCard s sophisticated and flexible processing approach is leading the payments industry. With our new technology and operations center, an entirely redeveloped and deployed core processing platform, and a global force of IT experts, MasterCard has the processing solutions that customers need and cardholders count on. High Reliability Our network operates virtually without disruption. That level of reliability far exceeds many industries and is a testament to our commitment of always being available for our customers and cardholders Global Technology and Operations

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9 Transaction Basics Mission Control Most MasterCard transactions move through three stages: authorization, clearing, and settlement: Authorization As we mentioned earlier, there are usually two financial institutions involved in every transaction, the issuer and the acquirer. The issuer is the financial institution that issues the card to the consumer. The acquirer is the financial institution that processes transactions for the merchant. Sometimes, the issuer and acquirer are the same financial institution, and MasterCard s payment switching services aren t required. But when they re different, the acquirer sends the transaction to us, so we can forward it to the issuer for approval. That step is critical: Because the issuer has a relationship with the cardholder, it is the appropriate institution to approve the transaction. When the issuer sends us that approval, we forward it to the acquirer, who notifies the merchant that the purchase has been approved. We have to be ready any time of day or night, every day, to process transactions quickly and accurately. The Data Center and Operations Command Center make it all possible. Here, highly-trained experts monitor the functioning and health of our computers, global telecommunications network, credit and debit activity. Many of the most qualified professionals in our industry carefully monitor not only our own equipment worldwide, but also our customers networks. When a customer has a network problem, we detect it immediately and contact the financial institution to develop a fast solution. The result: Cardholders can make the purchases they want. They don t have to give it a second thought, and neither do the financial institutions. We re working behind the scenes, 24/7, to make sure of it. Our part of all of this happens in an instant (in fact, about 120 milliseconds), and we do it as many as 40 million times* in a single day. Clearing The next step is to clear the transaction, capturing all of the pertinent data and sending it to the issuer for posting to the account. This data includes the name of the merchant, purchase amount, date, and other transaction details. Settlement The final step is to settle funds between the issuing and acquiring institutions, meaning we transfer funds to ensure that merchants get paid in a timely way. Daily, we transfer the equivalent of billions of dollars exchanging 160 forms of currency among thousands of financial institutions worldwide. * The busiest time for us occurs during the last few weeks of the year around the holidays, building up to Christmas. Other particularly busy times in the U.S. include Valentine s Day and Mother s Day. Global Technology and Operations 7

10 Always On Always Ready The Data Center generates enough power to support a city of 30,000 people and can operate indefinitely on back-up generators. We are staffed around the clock and protected inside a specially-built facility impervious to extreme weather conditions, including fire, flood, tornadoes, and earthquakes (in fact, the buildings are designed to meet the California earthquake code more than adequate for Missouri). The catalyst for our confidence is a vast network that includes: 743 miles of conduit 412 miles of wire 100 miles of copper cable 160 miles of optic fibers 2.8 miles of cable tray underneath raised floors 360 data cabinets 652+ terabytes of storage MasterCard is at the forefront of disaster recovery and business continuity in the financial services industry. We call it operational resiliency our best-practices approach for being a reliable partner regardless of the challenge. Beyond addressing the traditional needs for disaster recovery planning (such as power outages and software problems), we re managing the new concerns of the 21st century, including terrorist attacks, military conflicts, and global epidemics. We re also embracing new government regulations that require institutions such as ours to have strong business continuity plans that encompass the breadth of our value chain. We collaborate closely with customers, key service providers, and others to help ensure that our network is always available. To protect critical assets in every situation, we invest heavily in redundant equipment, software, and processing sites. In fact, we have redundant sites around the world that are, at any given time, ready to meet data recovery and capacity needs. And the need for greater capacity while maintaining service quality continues to grow. Customer expectations have never been higher, demanding access to information and transaction capability around the world, around the clock. We can handle more than 4.1 billion instructions per second, and our back-up facility can process 835 million instructions per second more. To continue meeting customer demand, we combine reliability, availability and recovery into a single strategy, and a simple promise: to always be here for our customers and cardholders, ready to process the next transaction. No matter what Many of our security personnel are state-licensed firefighters or emergency medical technicians. Plus, we work closely with local police, firefighters, and ambulance services to protect our facilities and staff. 8 MasterCard International Incorporated

11 Always Secure As you might imagine, the security of transaction information is one of our top priorities. We use sophisticated physical security protocols, supported by state-of-the-art building systems, to protect data. So we ll always be here for you.

12 Network Bandwidth On Demand An Industry First To help ensure the security, efficiency and speed of our operations, MasterCard created the first virtual private network in our industry, which provides the backbone for Banknet, our global telecommunications network. Managed in partnership with AT&T, Banknet is a very efficient network, because it constantly adjusts to variations in volume demand. Today, Banknet network connects tens of thousands of financial institutions with millions of acceptance locations in hundreds of countries around the globe. Each authorization transaction moves across Banknet network in an average of just 120 milliseconds, and we re constantly working on new ways to reduce that time even more. Saving milliseconds may not sound important, until you multiply that savings by millions of transactions each day. Since Banknet was upgraded to a virtual private network, it has saved customers more than 1,000 years in processing time MEETING DEMAND We have the capacity to process as many as 140 million transactions every hour worldwide and have built a network that grows with demand. 10 MasterCard International Incorporated

13 Flexibility. Innovation. Value. When MasterCard processes a transaction, it delivers value for all participants in the payments world cardholders, merchants, and financial institutions alike. We deploy tools that identify and help mitigate fraud, which continues to decline. We build in expansive loyalty programs that deliver rewards for card usage. We protect the flow of transactions with security, which makes electronic commerce possible. We manage a data warehouse that delivers intelligence to our customers and helps them differentiate their card portfolios. In short, MasterCard has built a platform that can accommodate new and emerging ways to pay: mobile phones...prepaid cards...contactless payments and much more. As consumer preferences change, MasterCard s network is ready Leading The Way A powerful brand supported by advanced technology, MasterCard s Global Technology and Operations sets a new benchmark for the payment industry. We will continue to create new and better ways to strengthen the trust that our customers and cardholders place in us and to bring ever greater value to every transaction, every day. Global Technology and Operations 11

14 About MasterCard International MasterCard International is a leading global payment solutions company that provides a broad variety of innovative services to support customer programs, including credit, deposit access, electronic cash, businessto-business, and related payment needs. MasterCard International Incorporated manages a family of globally-accepted payment card brands, including MasterCard, Maestro, and Cirrus. We serve financial institutions, consumers, and businesses in more than 210 countries and territories worldwide For more information about how we re evolving payment card processing for the 21st century, visit us at:

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