Patents by Inventor Michael John Rowen

Michael John Rowen 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).

  • Reduction of transaction fraud through the use of automatic centralized signature/sign verification combined with credit and fraud scoring during real-time payment card authorization processes
    Patent number: 8885894
    Abstract: A dynamic signature/sign biometric verification system for detecting and preventing fraudulent transactions is described. The system comprises remote digital signature/sign input devices, a means to extract spatial and temporal features from the signature, a means to transmit the signature/sign features along with customer identifier information to a centralized signature/sign verification authority, a means for combining signature/sign feature verification with other forms of fraud detection technology, and a means for transmitting the results of a signature/sign verification back to the remote location where the signature/sign was captured. The system was primarily developed for use in payment card industries (e.g. credit cards, debit cards) but has applicability to other centralized signature/sign verification applications such as Automated Teller Machine authorizations and other identity theft detection and monitoring services.
    Type: Grant
    Filed: March 25, 2011
    Date of Patent: November 11, 2014
    Inventors: Michael John Rowen, Rodney Beatson, Mark A. Kelty
  • REDUCTION OF TRANSACTION FRAUD THROUGH THE USE OF AUTOMATIC CENTRALIZED SIGNATURE/SIGN VERIFICATION COMBINED WITH CREDIT AND FRAUD SCORING DURING REAL-TIME PAYMENT CARD AUTHORIZATION PROCESSES
    Publication number: 20110238510
    Abstract: A dynamic signature/sign biometric verification system for detecting and preventing fraudulent transactions is described. The system comprises remote digital signature/sign input devices, a means to extract spatial and temporal features from the signature, a means to transmit the signature/sign features along with customer identifier information to a centralized signature/sign verification authority, a means for combining signature/sign feature verification with other forms of fraud detection technology, and a means for transmitting the results of a signature/sign verification back to the remote location where the signature/sign was captured. The system was primarily developed for use in payment card industries (e.g. credit cards, debit cards) but has applicability to other centralized signature/sign verification applications such as Automated Teller Machine authorizations and other identity theft detection and monitoring services.
    Type: Application
    Filed: March 25, 2011
    Publication date: September 29, 2011
    Applicants: 20/20 Ventures, LLC, Transaction Security, Inc.
    Inventors: Michael John Rowen, Rodney Beatson, Mark A. Kelty