Patents by Inventor Sharon Kay Haverlah
Sharon Kay Haverlah 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: 11922526Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.Type: GrantFiled: August 26, 2022Date of Patent: March 5, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Ryan Maurer, Nolan White, Kyle D. Weber, Edward Austin, William Guthrie, Dustin Helland, Bharat Prasad, Sharon Kay Haverlah, Karen Marie Shackelford-George
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Patent number: 11715084Abstract: Various embodiments of the present disclosure generally relate to transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.Type: GrantFiled: May 14, 2021Date of Patent: August 1, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: David Patrick Dixon, John Hope, John Loflin, Ogechi Namme, Andre Rene Buentello, Bradly Jay Billman, Sharon Kay Haverlah, Ross Andrew Thiele, Gunjan Vijayvergia, Michael Joseph Gaeta
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Publication number: 20220414807Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.Type: ApplicationFiled: August 26, 2022Publication date: December 29, 2022Inventors: Ryan Maurer, Nolan White, Kyle D. Weber, Edward Austin, William Guthrie, Dustin Helland, Bharat Prasad, Sharon Kay Haverlah, Karen Marie Shackelford-George
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METHOD AND SYSTEM FOR VERIFYING SETTLEMENT DEMANDS FOR SUBROGATION CLAIMS USING A DISTRIBUTED LEDGER
Publication number: 20220392004Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.Type: ApplicationFiled: November 18, 2021Publication date: December 8, 2022Inventors: Ryan Maurer, Nolan White, Kyle D. Weber, Edward Austin, William Guthrie, Dustin Helland, Bharat Prasad, Sharon Kay Haverlah, Karen Marie Shackelford-George -
Patent number: 11461861Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.Type: GrantFiled: November 18, 2021Date of Patent: October 4, 2022Assignees: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, United Services Automobile Association (USAA)Inventors: Ryan Maurer, Nolan White, Kyle D. Weber, Edward Austin, William Guthrie, Dustin Helland, Bharat Prasad, Sharon Kay Haverlah, Karen Marie Shackelford-George
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Patent number: 11424014Abstract: In one embodiment, one or more non-transitory, computer-readable mediums store computer instructions that, when executed by a processor, cause the processor to receive inputs from one or more request sources. The inputs include user credentials to an electronic medical record (EMR) source provider system. The computer instructions, when executed by the processor, also cause the processor to validate the credentials via communication with the EMR source provider system without an external authorization process, retrieve one or more EMRs from the EMR source provider system after the credentials are validated by the EMR source provider system, and store the one or more EMRs in a single data repository.Type: GrantFiled: April 6, 2020Date of Patent: August 23, 2022Assignee: United Services Automobile Association (USAA)Inventors: Steven K. Dunlap, Michael Belko, Sharon Kay Haverlah, Wesley Allen Arnold
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Patent number: 11341267Abstract: A system includes at least one processor and at least one memory communicatively coupled to the at least one processor, where the at least one memory stores instructions. When executed by the at least one processor, the instructions are configured to receive death certificate information from a node of a distributed ledger system, determine, a record to be updated based at least in part on the death certificate information, and update the record. The death certificate information and the record are associated with an individual.Type: GrantFiled: August 20, 2019Date of Patent: May 24, 2022Assignee: United Services Automobile Association (USAA)Inventors: Sharon Kay Haverlah, Alexander Benetto Nagelberg
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Patent number: 11127008Abstract: Systems and methods for processing checks using 2D barcodes are provided. A user submits a digital image of a check that includes a 2D barcode. The 2D barcode has embedded positional information of one or more check features which can be decoded. The 2D barcode can include one or more check parameters. These check parameters can be decoded and used for processing, verification, and/or fraud prevention. Examples of check parameters can include an account indicator if the check is drawn from a business account or a personal account, a maximum amount allowed on the check, account information, a government identifier, or an electronic watermark. The user can submit the digital image of the check to a check processing system.Type: GrantFiled: June 18, 2020Date of Patent: September 21, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Andre Rene Buentello, Sharon Kay Haverlah
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Patent number: 11042864Abstract: Various embodiments of the present disclosure generally relate transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.Type: GrantFiled: June 27, 2019Date of Patent: June 22, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: David Patrick Dixon, John Hope, John Loflin, Ogechi Namme, Andre Rene Buentello, Bradly Jay Billman, Sharon Kay Haverlah, Ross Andrew Thiele, Gunjan Vijayvergia, Michael Joseph Gaeta
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Patent number: 10963883Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving a vehicle identifier (VID), the VID uniquely identifying a vehicle of a user, receiving a response that indicates the user and that provides user information associated with the user, the user information including one or more of behavioral information and disbursement information, and at least partially performing an operation based on the user information.Type: GrantFiled: January 28, 2019Date of Patent: March 30, 2021Assignee: United Services Automobile Association (USAA)Inventor: Sharon Kay Haverlah
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Patent number: 10726422Abstract: Systems and methods for processing checks using 2D barcodes are provided. A request from a user to process an electronic image of a check can be received. A statistical evaluation of the user can be generated based on prior requests to process electronic images of checks. Based on the statistical evaluation, an initial number of electronic images of the check to request can be determined. The electronic images can be received from the user, and a composite image of the check can be created based on the received electronic images.Type: GrantFiled: April 4, 2019Date of Patent: July 28, 2020Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Andre Rene Buentello, Sharon Kay Haverlah
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Patent number: 10622101Abstract: In one embodiment, one or more non-transitory, computer-readable mediums store computer instructions that, when executed by a processor, cause the processor to receive inputs from one or more request sources. The inputs include user credentials to an electronic medical record (EMR) source provider system. The computer instructions, when executed by the processor, also cause the processor to validate the credentials via communication with the EMR source provider system without an external authorization process, retrieve one or more EMRs from the EMR source provider system after the credentials are validated by the EMR source provider system, and store the one or more EMRs in a single data repository.Type: GrantFiled: January 6, 2016Date of Patent: April 14, 2020Assignee: United Services Automobile Association (USAA)Inventors: Steven K. Dunlap, Michael Belko, Sharon Kay Haverlah, Wesley Allen Arnold
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Patent number: 10526771Abstract: A flow monitoring system, which is configured to detect a leak in a water distribution system having appliances, includes a flow sensor. The flow sensor is configured to detect flow data of a flow of water within a conduit configured to fluidly couple to the appliances. The flow monitoring system also includes a processor. The processor is configured to receive the flow data from the flow sensor, determine whether a reference flow pattern (of a plurality of reference flow patterns) is present in the flow data (where the plurality of reference flow patterns correspond with expected water flow patterns to one or more appliance of the appliances), and initiate a shut-down mode configured to stop the flow of water in response to a determination that the reference flow pattern is not present in the flow data.Type: GrantFiled: June 16, 2017Date of Patent: January 7, 2020Assignee: HS Labs, Inc.Inventors: Ramsey Devereaux, Manfred Amann, Eric David Schroeder, Donna Moncrief Brown, Emily Margaret Gray, Jess W. Gingrich, Justin Dax Haslam, Sharon Kay Haverlah, Michael Kyne, Juspreet Kaur
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Patent number: 10373148Abstract: Various embodiments of the present disclosure generally relate transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.Type: GrantFiled: March 7, 2014Date of Patent: August 6, 2019Assignee: United Services Automobile Association (USAA)Inventors: David Patrick Dixon, John Hope, John Loflin, Ogechi Namme, Andre Rene Buentello, Bradly Jay Billman, Sharon Kay Haverlah, Ross Andrew Thiele, Gunjan Vijayvergia, Michael Joseph Gaeta
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Patent number: 10296909Abstract: Systems and methods for processing checks using 2D barcodes are provided. A user submits a digital image of a check that includes a 2D barcode. The 2D barcode has embedded positional information of one or more check features which can be decoded and compared to the check features optically identified on the digital image of the check. From this, a set of rotational and scaling adjustments can be computed by comparing estimated positional information with the positional information of the one or more check features retrieved from the barcode. A more accurate representation of the check is then produced by applying the set of rotational and scaling adjustments to the digital image of the check. Once a more accurate representation of the check has been produced, the check can be electronically processed using a routing transit number found on the check.Type: GrantFiled: November 25, 2013Date of Patent: May 21, 2019Assignee: United Services Automobile Association (USAA)Inventors: Andre Rene Buentello, Sharon Kay Haverlah
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Patent number: 10235675Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving a vehicle identifier (VID), the VID uniquely identifying a vehicle of a user, receiving a response that indicates the user and that provides user information associated with the user, the user information including one or more of behavioral information and disbursement information, and at least partially performing an operation based on the user information.Type: GrantFiled: June 7, 2016Date of Patent: March 19, 2019Assignee: United Services Automobile Assocation (USAA)Inventor: Sharon Kay Haverlah
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Patent number: 8590781Abstract: Systems and methods for processing checks using 2D barcodes are provided. A user submits a digital image of a check that includes a 2D barcode. The 2D barcode has embedded positional information of one or more check features which can be decoded and compared to the check features optically identified on the digital image of the check. From this, a set of rotational and scaling adjustments can be computed by comparing estimated positional information with the positional information of the one or more check features retrieved from the barcode. A more accurate representation of the check is then produced by applying the set of rotational and scaling adjustments to the digital image of the check. Once a more accurate representation of the check has been produced, the check can be electronically processed using a routing transit number found on the check.Type: GrantFiled: July 30, 2012Date of Patent: November 26, 2013Assignee: United Services Automobile Association (USAA)Inventors: Andre Rene Buentello, Sharon Kay Haverlah
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Patent number: 8231057Abstract: Systems and methods for processing checks using 2D barcodes are provided. A user submits a digital image of a check that includes a 2D barcode. The 2D barcode has embedded positional information of one or more check features which can be decoded and compared to the check features optically identified on the digital image of the check. From this, a set of rotational and scaling adjustments can be computed by comparing estimated positional information with the positional information of the one or more check features retrieved from the barcode. A more accurate representation of the check is then produced by applying the set of rotational and scaling adjustments to the digital image of the check. Once a more accurate representation of the check has been produced, the check can be electronically processed using a routing transit number found on the check.Type: GrantFiled: December 14, 2010Date of Patent: July 31, 2012Assignee: United Services Automobile AssociationInventors: Andre Rene Buentello, Sharon Kay Haverlah