Ring artifacts are prevalent in 3D cone-beam computed tomography (CBCT) due to non-ideal responses of X-ray detectors, severely degrading imaging quality and reliability. Current state-of-the-art (SOTA) ring artifact reduction (RAR) algorithms rely on extensive paired CT samples for supervised learning. While effective, these methods do not fully capture the physical characteristics of ring artifacts, leading to pronounced performance drops when applied to out-of-domain data. Moreover, their applications to 3D CBCT are limited by high memory demands. In this work, we introduce \textbf{Riner}, an unsupervised method formulating 3D CBCT RAR as a multi-parameter inverse problem. Our core innovation is parameterizing the X-ray detector responses as solvable variables within a differential physical model. By jointly optimizing a neural field to represent artifact-free CT images and estimating response parameters directly from raw measurements, Riner eliminates the need for external training data. Moreover, it accommodates diverse CT geometries, enhancing practical usability. Empirical results on both simulated and real-world datasets show that Riner surpasses existing SOTA RAR methods in performance.