Michael A Rowen

US Patent:

20020198779, Dec 26, 2002

Filed:

Jun 10, 2002

Appl. No.:

10/166454

Inventors:

Michael Rowen - Oakton VA, US
Nicole Lewis - Washington DC, US

International Classification:

G06F017/60

US Classification:

705/014000

Abstract:

A system and method for using a multi-level marketing plan to market financial instruments such as a credit card, a loan or credit line, and for determining participant awards in the plan in a unique manner are provided. The activity data of the financial instruments issued to a primary participant and its downstream participants are received from a customer transaction database. The activities data received typically cover one billing cycle and may include such items as purchases, cash advances. Based on the received activities data, a primary award attributable to activities of the primary participant is determined and downstream award attributable to activities of the downstream participants of the primary participant is determined. The two awards are added and the total award is provided to the primary participant. In another aspect, participant awards are provided by person-to-person (P2P) payment method. For example, the participants who are eligible for awards may be given payments directly into their financial instruments.

US Patent:

20110238510, Sep 29, 2011

Filed:

Mar 25, 2011

Appl. No.:

13/072398

Inventors:

Michael John Rowen - Oakton VA, US
Rodney Beatson - Pittsboro NC, US
Mark A. Kelty - Cantonsville MD, US

Assignee:

20/20 Ventures, LLC - Oakton VA
Transaction Security, Inc. - Pittsboro NC

International Classification:

G06Q 20/00
G06Q 30/00
G06Q 40/00

US Classification:

705 16, 705 39, 705 43

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.