Consumer-driven usage controls are a card firm's version of Bo Jackson - a multi-sport player that can battle fraud, boost loyalty and enable sound personal debt management.

In this game, Orbiscom is MasterCard's first round draft pick. MasterCard's recent acquisition appears routine, a $100 million deal with a firm that was already a development partner. But the purchase portends a vastly broadened impact of inControl - a jointly developed platform including UDLAPs (user-defined limits and/or prohibitions), alerts, routing numbers and other card-control enablers.

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