Mastercard has been granted two U.S. patents focused on cryptocurrency transaction security and privacy, according to documents published by the U.S. Patent and Trademark Office on November 6. The patents were awarded on November 3. The first patent describes a system that assesses money laundering risk before a user completes a crypto transfer. It analyzes the recipient's historical transaction records and calculates how the transfer would affect the sender's own risk score, enabling users to make informed decisions before proceeding. The second patent outlines a method for processing transactions within a private network of authorized nodes. A central system verifies balances and grants approval without exposing transaction details externally, protecting user privacy while preventing double-spending.