Patents by Inventor Clayton P. Spitz

Clayton P. Spitz 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).

  • Purchasing card transaction risk model
    Patent number: 6783065
    Abstract: A method for quantifying risk of fraud associated with a purchasing card transaction includes obtaining a charge-back history associated with a consumer involved in the purchasing card transaction; and determining a risk score based on the charge-back history. In one embodiment of the invention, the step of obtaining a charge-back history includes obtaining a reason code for each charge-back included in the charge-back history.
    Type: Grant
    Filed: March 12, 2001
    Date of Patent: August 31, 2004
    Assignee: First Data Corporation
    Inventors: Clayton P. Spitz, Todd M. Anderson, Thomas F. Latham, David C. Guerin, Ernest J. Arbour, Jr.
  • Purchasing card transaction risk model
    Publication number: 20020139837
    Abstract: A method for quantifying risk of fraud associated with a purchasing card transaction includes obtaining a charge-back history associated with a consumer involved in the purchasing card transaction; and determining a risk score based on the charge-back history. In one embodiment of the invention, the step of obtaining a charge-back history includes obtaining a reason code for each charge-back included in the charge-back history.
    Type: Application
    Filed: March 12, 2001
    Publication date: October 3, 2002
    Inventors: Clayton P. Spitz, Todd M. Anderson, Thomas F. Latham, David C. Guerin, Ernest J Arbour