This inventor holds 1 USPTO granted patent. Top assignee: The Western Union Company. Active years: 2011.
Company Filing History:
Years Active: 2011
Title: Debra Joyner: Innovator in Online Money Transfer Authentication
Introduction
Debra Joyner is an accomplished inventor based in Littleton, CO (US). She has made significant contributions to the field of online financial transactions. Her innovative approach focuses on enhancing the security and reliability of money transfers.
Latest Patents
Debra holds a patent for a method of authentication for online money transfers. This invention outlines a process where a transaction is initiated by a payor online but is paid to a payee in person. The method involves accepting payor information at a location that is connected across a wide area network. It also includes the acceptance of transaction information and payment source details. A risk assessment is conducted to evaluate the likelihood of successful transaction completion. If the risk is deemed excessive, manual validation of the payment source information is performed. This process helps to reduce potential risks associated with online transactions. The money handler is billed for the transaction amount, and historical information on the transaction is stored.
Career Highlights
Debra is currently employed at The Western Union Company, where she continues to develop innovative solutions for money transfer processes. Her work has been instrumental in improving transaction security and efficiency.
Collaborations
Debra collaborates with talented professionals, including Scott C Hansen and Kirsten S Fry-Sanchez. Their teamwork fosters a creative environment that drives innovation in financial technology.
Conclusion
Debra Joyner's contributions to online money transfer authentication highlight her role as a key innovator in the financial technology sector. Her patent reflects a commitment to enhancing transaction security and reliability.