Patents by Inventor Douglas Van Horn

Douglas Van Horn 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).

  • SYSTEM AND METHODS FOR ENHANCED APPROVAL OF A PAYMENT TRANSACTION
    Publication number: 20220405760
    Abstract: A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (AE) computer device in communication with a memory. The method includes receiving authentication data associated with a candidate payment transaction being conducted by a cardholder via a website associated with a merchant from the merchant, storing the authentication data, receiving an authorization request message for the candidate payment transaction from a payment processor, retrieving the authentication data for the candidate payment transaction based on the authorization request message, and calculating an assurance level score based on the authentication data and the authorization request message. The assurance level score represents a level of confidence that the candidate payment transaction is not fraudulent.
    Type: Application
    Filed: August 22, 2022
    Publication date: December 22, 2022
    Inventors: Christopher John Merz, Johan Gerber, Douglas Van Horn, Mark B. Wiesman
  • System and methods for enhanced approval of a payment transaction
    Patent number: 11423404
    Abstract: A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (AE) computer device in communication with a memory. The method includes receiving authentication data associated with a candidate payment transaction being conducted by a cardholder via a website associated with a merchant from the merchant, storing the authentication data, receiving an authorization request message for the candidate payment transaction from a payment processor, retrieving the authentication data for the candidate payment transaction based on the authorization request message, and calculating an assurance level score based on the authentication data and the authorization request message. The assurance level score represents a level of confidence that the candidate payment transaction is not fraudulent.
    Type: Grant
    Filed: May 13, 2015
    Date of Patent: August 23, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Christopher John Merz, Johan Gerber, Douglas Van Horn, Mark B. Wiesman
  • SYSTEM AND METHODS FOR ENHANCED APPROVAL OF A PAYMENT TRANSACTION
    Publication number: 20160335639
    Abstract: A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (AE) computer device in communication with a memory. The method includes receiving authentication data associated with a candidate payment transaction being conducted by a cardholder via a website associated with a merchant from the merchant, storing the authentication data, receiving an authorization request message for the candidate payment transaction from a payment processor, retrieving the authentication data for the candidate payment transaction based on the authorization request message, and calculating an assurance level score based on the authentication data and the authorization request message. The assurance level score represents a level of confidence that the candidate payment transaction is not fraudulent.
    Type: Application
    Filed: May 13, 2015
    Publication date: November 17, 2016
    Inventors: Christopher John Merz, Johan Gerber, Douglas Van Horn, Mark B. Wiesman