Clive Alan Wintle

Title: Clive Alan Wintle: Innovator in Transaction Processing and Fraud Detection

Introduction

Clive Alan Wintle is a notable inventor based in Surrey, GB. He has made significant contributions to the field of transaction processing and fraud detection. His innovative work has led to the development of a patented system that leverages artificial intelligence to enhance payment security.

Latest Patents

Wintle holds a patent for "Intelligent recurring transaction processing and fraud detection." This system utilizes an artificial intelligence platform that includes machine learning models. These models communicate with server computers to access historical payment transaction data from a transaction database. The data is used to train the machine learning models to predict future recurring transactions. When an authorization request is received from an acquirer for a payment transaction, the system processes the request and transmits a response. The transaction data is input into the machine learning models to determine if the payment transaction is recurring and to predict the date of the next transaction. An API call is then initiated to the issuer with transaction attributes, allowing the issuer to send an alert message directly to the cardholder.

Career Highlights

Clive Wintle is currently associated with Visa International Service Association, where he applies his expertise in transaction processing. His work focuses on enhancing the security and efficiency of payment systems through innovative technology.

Collaborations

Wintle has collaborated with notable colleagues such as Thomas Purves and Prasad Madhukar Gore. Their combined efforts contribute to advancements in the field of payment processing and fraud detection.

Conclusion

Clive Alan Wintle's contributions to intelligent transaction processing and fraud detection exemplify the impact of innovation in financial technology. His patented system represents a significant advancement in securing payment transactions for cardholders.