Mastercard International Incorporated

Kyle Leslie

Brian Alfred Williams

Christopher Eric Mullen

Richard B Unnerstall

Emily Marie Thompson

A system and computer-implemented method for detecting and addressing billing fraud by an asserted provider of a good or service based on location data associated with card-based financial transactions by an asserted recipient and collected, stored, analyzed, and acted on by a payment card network to determine and respond to a likelihood of fraud. A computer stores locations of the recipient based on uses of a payment card over a time period, and determines a location of the provider based on location data associated with a card reader at a particular time at which the good or service was allegedly provided. The computer compares the two locations for the particular time and generates a fraud score based on a likelihood that the recipient was physically capable of being at the provider location at the particular time, and based on the score, may notify the recipient and decline the payment request.

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O'Fallon, MO, United States of America

Kyle Leslie