Patents by Inventor Sharon Rowberry
Sharon Rowberry has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11775976Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.Type: GrantFiled: August 31, 2021Date of Patent: October 3, 2023Assignee: Visa International Service AssociationInventors: Brad Nightengale, Karl Newland, Kevin Siegel, Zhongxiao Jiang, Sharon Rowberry
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Publication number: 20210398130Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.Type: ApplicationFiled: August 31, 2021Publication date: December 23, 2021Inventors: Brad Nightengale, Karl Newland, Kevin Siegel, Zhongxiao Jiang, Sharon Rowberry
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Patent number: 11132686Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.Type: GrantFiled: May 17, 2016Date of Patent: September 28, 2021Assignee: Visa International Service AssociationInventors: Brad Nightengale, Karl Newland, Kevin Siegel, Zhongxiao Jiang, Sharon Rowberry
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Publication number: 20160260102Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.Type: ApplicationFiled: May 17, 2016Publication date: September 8, 2016Inventors: Brad Nightengale, Karl Newland, Kevin Siegel, Zhongxiao Jiang, Sharon Rowberry
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Patent number: 8903735Abstract: The present invention is directed to a system, method and server to assist account issuers in managing risk, fraud and unauthorized use. A system, method and server for use in pushing advanced warning alerts to issuers based on consumer data element level triggering events and fraud and unauthorized use reports is disclosed. The ability to the push the alerts to issuers with a permissible purpose for receiving the information in the alerts provides a real-time, online and cost effective way of providing issuers with valuable risk management tools.Type: GrantFiled: December 18, 2012Date of Patent: December 2, 2014Assignee: Visa International Service AssociationInventors: Brad Nightengale, Sharon Rowberry
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Publication number: 20140095393Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.Type: ApplicationFiled: December 9, 2013Publication date: April 3, 2014Applicant: Visa International Service AssociationInventors: BRAD NIGHTENGALE, Karl Newland, Kevin Siegel, Zhongxiao Jiang, Sharon Rowberry
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Patent number: 8626663Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.Type: GrantFiled: March 22, 2011Date of Patent: January 7, 2014Assignee: Visa International Service AssociationInventors: Brad Nightengale, Karl Newland, Kevin Siegel, Zhongxiao (“Josh”) Jiang, Sharon Rowberry
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Publication number: 20130110692Abstract: The present invention is directed to a system, method and server to assist account issuers in managing risk, fraud and unauthorized use. A system, method and server for use in pushing advanced warning alerts to issuers based on consumer data element level triggering events and fraud and unauthorized use reports is disclosed. The ability to the push the alerts to issuers with a permissible purpose for receiving the information in the alerts provides a real-time, online and cost effective way of providing issuers with valuable risk management tools.Type: ApplicationFiled: December 18, 2012Publication date: May 2, 2013Inventors: Brad Nightengale, Sharon Rowberry
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Patent number: 8380569Abstract: The present invention is directed to a system, method and server to assist account issuers in managing risk, fraud and unauthorized use. A system, method and server for use in pushing advanced warning alerts to issuers based on consumer data element level triggering events and fraud and unauthorized use reports is disclosed. The ability to the push the alerts to issuers with a permissible purpose for receiving the information in the alerts provides a real-time, online and cost effective way of providing issuers with valuable risk management tools.Type: GrantFiled: July 20, 2009Date of Patent: February 19, 2013Assignee: Visa International Service Association, Inc.Inventors: Brad Nightengale, Sharon Rowberry
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Publication number: 20110238575Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.Type: ApplicationFiled: March 22, 2011Publication date: September 29, 2011Inventors: Brad Nightengale, Karl Newland, Kevin Siegel, Zhongxiao ("Josh") Jiang, Sharon Rowberry
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Publication number: 20100268696Abstract: The present invention is directed to a system, method and server to assist account issuers in managing risk, fraud and unauthorized use. A system, method and server for use in pushing advanced warning alerts to issuers based on consumer data element level triggering events and fraud and unauthorized use reports is disclosed. The ability to the push the alerts to issuers with a permissible purpose for receiving the information in the alerts provides a real-time, online and cost effective way of providing issuers with valuable risk management tools.Type: ApplicationFiled: July 20, 2009Publication date: October 21, 2010Inventors: Brad Nightengale, Sharon Rowberry
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Publication number: 20100241535Abstract: An alert recipient receives an account alert after an account activity satisfies criteria of an alert rule. The account alert may be triggered by the usage of a consumer identifier with any of: an application for a new account, an account activation request, or an account usage. To illustrate, a fraudster may utilize the consumer identifier in an application to open a new account, to activate an issued prepaid account, or conduct a transaction on an activated issued prepaid account. Data from the account application, activation, or transaction may be sent to a host that compares the data against the criteria of an alert rule. If the criterion is satisfied, the account alert is sent to the account recipient. The account recipient may required to respond to the alert in order to permit the activity that is the subject of the account alert.Type: ApplicationFiled: March 17, 2010Publication date: September 23, 2010Inventors: Brad Nightengale, Sharon Rowberry, Pat Stan