Patents by Inventor Michael W. Lester

Michael W. Lester 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).

  • Scalable risk-based authentication methods and systems
    Patent number: 11792176
    Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.
    Type: Grant
    Filed: September 21, 2021
    Date of Patent: October 17, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael W. Lester, Debra Randall Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Bret Buckingham, Tammy Sanclemente
  • Systems and methods for authenticating a caller
    Patent number: 11770474
    Abstract: Methods and systems described in this disclosure receive a call from a caller, generate a first session through a first channel associated with the caller when the call is received and then send a request for authentication credentials to a device associated with the caller. In some embodiments, sending the request for authentication credentials generates a second session through a second channel associated with the caller. The caller can be authenticated to the first session using communication received during the second session through the second channel.
    Type: Grant
    Filed: December 7, 2021
    Date of Patent: September 26, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Justin Cairns, David Alexander Lilley, Robert Bruno Pace, Jr., John Raymond Harris, Joshua Samuel Leonard, Yuibi Fujimoto, Kevin Kenneth Fiedler, Michael W. Lester
  • Systems and methods for authenticating a caller
    Patent number: 11228677
    Abstract: Methods and systems described in this disclosure receive a call from a caller, generate a first session through a first channel associated with the caller when the call is received and then send a request for authentication credentials to a device associated with the caller. In some embodiments, sending the request for authentication credentials generates a second session through a second channel associated with the caller. The caller can be authenticated to the first session using communication received during the second session through the second channel.
    Type: Grant
    Filed: July 15, 2020
    Date of Patent: January 18, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Michael Justin Cairns, David Alexander Lilley, Robert Bruno Pace, Jr., John Raymond Harris, Joshua Samuel Leonard, Yuibi Fujimoto, Kevin Kenneth Fiedler, Michael W. Lester
  • Scalable risk-based authentication methods and systems
    Patent number: 11159505
    Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.
    Type: Grant
    Filed: August 8, 2019
    Date of Patent: October 26, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Michael W. Lester, Debra Randall Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Bret Buckingham, Tammy Sanclemente
  • Systems and methods for authenticating a caller
    Patent number: 10750008
    Abstract: Methods and systems described in this disclosure receive a call from a caller, generate a first session through a first channel associated with the caller when the call is received and then send a request for authentication credentials to a device associated with the caller. In some embodiments, sending the request for authentication credentials generates a second session through a second channel associated with the caller. The caller can be authenticated to the first session using communication received during the second session through the second channel.
    Type: Grant
    Filed: October 22, 2018
    Date of Patent: August 18, 2020
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Michael Justin Cairns, David Alexander Lilley, Robert Bruno Pace, Jr., John Raymond Harris, Joshua Samuel Leonard, Yuibi Fujimoto, Kevin Kenneth Fiedler, Michael W. Lester
  • Scalable risk-based authentication methods and systems
    Patent number: 10432605
    Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.
    Type: Grant
    Filed: October 15, 2018
    Date of Patent: October 1, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael W. Lester, Debra Randall Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Bret Buckingham, Tammy Sanclemente
  • Systems and methods for authenticating a caller
    Patent number: 10142464
    Abstract: Methods and systems described in this disclosure receive a call from a caller, generate a first session through a first channel associated with the caller when the call is received and then send a request for authentication credentials to a device associated with the caller. In some embodiments, sending the request for authentication credentials generates a second session through a second channel associated with the caller. The caller can be authenticated to the first session using communication received during the second session through the second channel.
    Type: Grant
    Filed: November 13, 2015
    Date of Patent: November 27, 2018
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Michael Justin Cairns, David Alexander Lilley, Robert Bruno Pace, Jr., John Raymond Harris, Joshua Samuel Leonard, Yuibi Fujimoto, Kevin Kenneth Fielder, Michael W. Lester