Kristin Hoyne Gomes

Title: Kristin Hoyne Gomes: Innovator in Fraud Detection and Customer Verification

Introduction

Kristin Hoyne Gomes is a notable inventor based in State College, PA (US), recognized for her contributions to the fields of fraud detection and customer verification. With a total of six patents to her name, she has developed innovative solutions that enhance transaction security and improve risk assessment accuracy.

Latest Patents

One of her latest patents is titled "Method, system, and computer program product for customer-level data verification." This invention aims to reduce incorrectly declined transactions and enhance risk calculation accuracy by minimizing error probability during fraud detection. The system first receives at least one data element along with transaction account data and/or financial transaction instrument data. It then identifies a customer from a record associated with the transaction data. A record search is conducted to find additional records related to the customer, and the data element is compared to the information in these records to verify the customer's address. This comparison result can be utilized in transaction risk calculations and provided to merchants for decision-making processes.

Another significant patent is "Fraud control when granting instant credit." This invention allows credit applicants to apply for instant credit and use an instant account number (IAN) for purchases. The fraud control methods ensure that the applicant's last name matches the passenger's last name when purchasing airline tickets, preventing ticket renaming or resale. Additionally, when the IAN is linked to a partner's loyalty program, the applicant's account information is captured to ensure consistency with the partner's data.

Career Highlights

Kristin has worked with several prominent companies, including Iii Holdings 1, LLC and American Express Travel Related Services Company, Inc. Her experience in these organizations has contributed to her expertise in developing innovative solutions for fraud prevention and customer verification.

Collaborations

Throughout her career, Kristin has collaborated with talented individuals such as Stacey J Crawford and Danielle M Crop. These partnerships have likely enriched her work and led to the development of her impactful inventions.

Conclusion

Kristin Hoyne Gomes is a pioneering inventor whose work in fraud detection and customer verification has made significant strides in enhancing transaction security. Her innovative patents reflect her commitment to improving risk assessment and customer identity verification processes.