Patents by Inventor David Tuomikoski
David Tuomikoski has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11803862Abstract: Systems and methods for voice-initiated transaction transfer are provided. A voice-initiated transaction transfer system includes an interactive voice response service that provides an initial voice-initiated transaction with a user and determines an intended transaction of the voice-initiated transaction. The system also includes an app administration service that receives an indication of the intended transaction from the interactive voice response service and triggers provision of a push notification to at least one app running on at least one electronic device associated with the user. The push notification includes an indication of a deep dive view to be presented on the app. The deep dive view includes a particular transaction screen of the app associated with the intended transaction.Type: GrantFiled: June 6, 2022Date of Patent: October 31, 2023Assignee: United Services Automobile Association (USAA)Inventors: David Tuomikoski, Hector Jaime Castillo, Mudhar Al Ethawy
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Patent number: 11706347Abstract: Tangible, non-transitory, machine-readable media include instructions that cause a processor to receive a first indication that a user is attempting to communicate with a provider, and intercept communication between the user and the provider based on the first indication being received. The instructions also cause the processor to send user information to a provider application server based on the first indication being received, and display a visual interface that establishes communication with the relevant provider department or performs a transaction based on the first indication being received. The instructions further cause the processor to receive a second indication associated with performing the action associated with the provider via the visual interface; and performing the action based on the second indication being received.Type: GrantFiled: July 25, 2022Date of Patent: July 18, 2023Assignee: United Services Automobile Association (USAA)Inventors: Gualberto Camacho, David Tuomikoski
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Patent number: 11438460Abstract: Tangible, non-transitory, machine-readable media include instructions that cause a processor to receive a first indication that a user is attempting to communicate with a provider, and intercept communication between the user and the provider based on the first indication being received. The instructions also cause the processor to send user information to a provider application server based on the first indication being received, and display a visual interface that establishes communication with the relevant provider department or performs a transaction based on the first indication being received. The instructions further cause the processor to receive a second indication associated with performing the action associated with the provider via the visual interface; and performing the action based on the second indication being received.Type: GrantFiled: August 10, 2020Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventors: Gualberto Camacho, David Tuomikoski
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Patent number: 11411951Abstract: Methods and systems described in this disclosure receive a call from a device associated with a caller and determine whether the caller is eligible for biometric authentication via the device by sending, via a communications network, an eligibility determination request to an issuer of the device. In response to the caller being eligible for biometric authentication, a request to initiate a biometric authentication process on the device is sent to an issuer of the device, where biometric credentials are received by the device and an indication of whether the biometric credentials were verified is received from the issuer of the device.Type: GrantFiled: November 3, 2020Date of Patent: August 9, 2022Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: David Tuomikoski, Rochelle A. Tijerina
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Patent number: 11354675Abstract: Systems and methods for voice-initiated transaction transfer are provided. A voice-initiated transaction transfer system includes an interactive voice response service that provides an initial voice-initiated transaction with a user and determines an intended transaction of the voice-initiated transaction. The system also includes an app administration service that receives an indication of the intended transaction from the interactive voice response service and triggers provision of a push notification to at least one app running on at least one electronic device associated with the user. The push notification includes an indication of a deep dive view to be presented on the app. The deep dive view includes a particular transaction screen of the app associated with the intended transaction.Type: GrantFiled: February 5, 2018Date of Patent: June 7, 2022Assignee: United Services Automobile Association (USAA)Inventors: David Tuomikoski, Hector Jaime Castillo, Mudhar Al Ethawy
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Patent number: 10862884Abstract: Methods and systems described in this disclosure receive a call from a device associated with a caller and determine whether the caller is eligible for biometric authentication via the device by sending, via a communications network, an eligibility determination request to an issuer of the device. In response to the caller being eligible for biometric authentication, a request to initiate a biometric authentication process on the device is sent to an issuer of the device, where biometric credentials are received by the device and an indication of whether the biometric credentials were verified is received from the issuer of the device.Type: GrantFiled: May 29, 2020Date of Patent: December 8, 2020Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: David Tuomikoski, Rochelle A. Tijerina
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Patent number: 10771630Abstract: Tangible, non-transitory, machine-readable media include instructions that cause a processor to receive a first indication that a user is attempting to communicate with a provider, and intercept communication between the user and the provider based on the first indication being received. The instructions also cause the processor to send user information to a provider application server based on the first indication being received, and display a visual interface that establishes communication with the relevant provider department or performs a transaction based on the first indication being received. The instructions further cause the processor to receive a second indication associated with performing the action associated with the provider via the visual interface; and performing the action based on the second indication being received.Type: GrantFiled: October 9, 2019Date of Patent: September 8, 2020Assignee: United States Automobile Association (USAA)Inventors: Gualberto Camacho, David Tuomikoski
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Patent number: 10674336Abstract: Methods and systems described in this disclosure receive a call from a device associated with a caller and determine whether the caller is eligible for biometric authentication via the device by sending, via a communications network, an eligibility determination request to an issuer of the device. In response to the caller being eligible for biometric authentication, a request to initiate a biometric authentication process on the device is sent to an issuer of the device, where biometric credentials are received by the device and an indication of whether the biometric credentials were verified is received from the issuer of the device.Type: GrantFiled: November 4, 2019Date of Patent: June 2, 2020Assignee: United Services Automobile Association (USAA)Inventors: David Tuomikoski, Rochelle A. Tijerina
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Patent number: 10506401Abstract: Methods and systems described in this disclosure receive a call from a device associated with a caller and determine whether the caller is eligible for biometric authentication via the device by sending, via a communications network, an eligibility determination request to an issuer of the device. In response to the caller being eligible for biometric authentication, a request to initiate a biometric authentication process on the device is sent to an issuer of the device, where biometric credentials are received by the device and an indication of whether the biometric credentials were verified is received from the issuer of the device.Type: GrantFiled: July 17, 2019Date of Patent: December 10, 2019Assignee: United Services Automobile Association (USAA)Inventors: David Tuomikoski, Rochelle A. Tijerina
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Patent number: 10455092Abstract: Tangible, non-transitory, machine-readable media include instructions that cause a processor to receive a first indication that a user is attempting to communicate with a provider, and intercept communication between the user and the provider based on the first indication being received. The instructions also cause the processor to send user information to a provider application server based on the first indication being received, and display a visual interface that establishes communication with the relevant provider department or performs a transaction based on the first indication being received. The instructions further cause the processor to receive a second indication associated with performing the action associated with the provider via the visual interface; and performing the action based on the second indication being received.Type: GrantFiled: July 18, 2018Date of Patent: October 22, 2019Assignee: United Services Automobile Association (USAA)Inventors: Gualberto Camacho, David Tuomikoski
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Patent number: 10390197Abstract: Methods and systems described in this disclosure receive a call from a device associated with a caller and determine whether the caller is eligible for biometric authentication via the device by sending, via a communications network, an eligibility determination request to an issuer of the device. In response to the caller being eligible for biometric authentication, a request to initiate a biometric authentication process on the device is sent to an issuer of the device, where biometric credentials are received by the device and an indication of whether the biometric credentials were verified is received from the issuer of the device.Type: GrantFiled: December 18, 2018Date of Patent: August 20, 2019Assignee: United Services Automobile Association (USAA)Inventors: David Tuomikoski, Rochelle A. Tijerina
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Patent number: 10172007Abstract: Methods and systems described in this disclosure receive a call from a device associated with a caller and determine whether the caller is eligible for biometric authentication via the device by sending, via a communications network, an eligibility determination request to an issuer of the device. In response to the caller being eligible for biometric authentication, a request to initiate a biometric authentication process on the device is sent to an issuer of the device, where biometric credentials are received by the device and an indication of whether the biometric credentials were verified is received from the issuer of the device.Type: GrantFiled: June 25, 2018Date of Patent: January 1, 2019Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: David Tuomikoski, Rochelle A. Tijerina
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Patent number: 10034174Abstract: Methods and systems described in this disclosure receive a call from a device associated with a caller and determine whether the caller is eligible for biometric authentication via the device by sending, via a communications network, an eligibility determination request to an issuer of the device. When the caller is eligible for biometric authentication, a request to initiate a biometric authentication process on the device is sent to an issuer of the device, where biometric credentials are received by the device and an indication of whether the biometric credentials were verified is received from the issuer of the device. Either the caller is authenticated to the call or additional authentication is required to authenticate based on whether the biometric credentials were verified.Type: GrantFiled: December 15, 2016Date of Patent: July 24, 2018Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: David Tuomikoski, Rochelle A. Tijerina