Patents by Inventor Teddy Joseph Edmond Voutour
Teddy Joseph Edmond Voutour 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: 11979429Abstract: An applet may be downloaded or provided to a web browser when a user visits a site in order to protect data input by the user from being captured by malicious software, such as key loggers. The applet may present a user input field in the web browser and may generate a random sequence of low-level key stroke or mouse click events within the input field when the user enters information, such as a username and/or password. A listening key logger will receive a large amount of random data, whereas the applet will receive and buffer the actual user data that may be communicated to a remote site access by the user.Type: GrantFiled: April 3, 2023Date of Patent: May 7, 2024Assignee: United Services Automobile Association (USAA)Inventors: Teddy Joseph Edmond Voutour, Michael Frank Morris
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Patent number: 11750587Abstract: A user may access an institution system via more than one communications channel, either by the same device (e.g., a mobile device accessing the institution system via a voice channel and a data channel) or by different devices (e.g., a personal computer via a web channel and a phone via a voice channel). If a user is not currently authenticated to a communications channel and attempts to access the institution system via a communications channel, the user may be authenticated using strong authentication. If the user is currently authenticated to the institution system via a communications channel and would like to engage a second communications channel to access the institution system, the user may authenticate to the second communications channel using both communications channels and weak authentication, such as single factor authentication or a challenge question.Type: GrantFiled: July 20, 2021Date of Patent: September 5, 2023Assignee: United Services Automobile Association (USAA)Inventor: Teddy Joseph Edmond Voutour
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Patent number: 11688014Abstract: A property is identified about which to gather information. A vehicle is deployed to a location associated with the property. The vehicle gathers data at the location. A portion of the gathered data indicating a condition or event at the property is determined and encrypted. The portion of the gathered data is stored or sent to an authorized party.Type: GrantFiled: October 20, 2020Date of Patent: June 27, 2023Assignee: United Services Automobile Association (USAA)Inventors: Anthony Scott Farnsworth, Justin Dax Haslam, Kathleen L. Swain, Teddy Joseph Edmond Voutour, Jess W. Gingrich, Michael J. Allen, Anthony G. Castiglione, Jordan A. Newmark
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Patent number: 11647044Abstract: An applet may be downloaded or provided to a web browser when a user visits a site in order to protect data input by the user from being captured by malicious software, such as key loggers. The applet may present a user input field in the web browser and may generate a random sequence of low-level key stroke or mouse click events within the input field when the user enters information, such as a username and/or password. A listening key logger will receive a large amount of random data, whereas the applet will receive and buffer the actual user data that may be communicated to a remote site access by the user.Type: GrantFiled: August 25, 2020Date of Patent: May 9, 2023Assignee: United Services Automobile Association (USAA)Inventors: Teddy Joseph Edmond Voutour, Michael Frank Morris
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Patent number: 11532050Abstract: Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to the property. For example, an unmanned vehicle may use one or more sensors to determine damage to the property. Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode.Type: GrantFiled: June 26, 2019Date of Patent: December 20, 2022Assignee: United Services Automobile Association (USAA)Inventors: Anthony Scott Farnsworth, Justin Dax Haslam, Kathleen L. Swain, Teddy Joseph Edmond Voutour, Jess W. Gingrich, Michael J. Allen, Anthony G. Castiglione, Jordan A. Newmark
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Patent number: 11455681Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for an adaptive financial system. One of the methods includes receiving, from a user, a selected lifestyle archetype of a user, wherein the selected lifestyle archetype identifies a predetermined allocation of income and spending. The method includes monitoring financial activities of the user. The method also includes providing feedback to the user based on the monitoring and the selected lifestyle archetype.Type: GrantFiled: September 10, 2019Date of Patent: September 27, 2022Assignee: United Services Automobile Association (USAA)Inventors: Teddy Joseph Edmond Voutour, David C. Ault, Christina N. Nickel
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Patent number: 11195264Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to an object. For example, an unmanned vehicle may project a laser pattern and use information associated with the laser pattern to determine characteristics of the object.Type: GrantFiled: December 26, 2018Date of Patent: December 7, 2021Assignee: United Services Automobile Association (USAA)Inventors: Anthony Scott Farnsworth, Jordan A. Newmark, Kathleen L. Swain, Teddy Joseph Edmond Voutour, Jess W. Gingrich, Michael J. Allen, Anthony G. Castiglione
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Patent number: 11082416Abstract: A user may access an institution system via more than one communications channel, either by the same device (e.g., a mobile device accessing the institution system via a voice channel and a data channel) or by different devices (e.g., a personal computer via a web channel and a phone via a voice channel). If a user is not currently authenticated to a communications channel and attempts to access the institution system via a communications channel, the user may be authenticated using strong authentication. If the user is currently authenticated to the institution system via a communications channel and would like to engage a second communications channel to access the institution system, the user may authenticate to the second communications channel using both communications channels and weak authentication, such as single factor authentication or a challenge question.Type: GrantFiled: September 26, 2019Date of Patent: August 3, 2021Assignee: United Services Automobile Association (USAA)Inventor: Teddy Joseph Edmond Voutour
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Patent number: 10810679Abstract: A property is identified about which to gather information. A vehicle is deployed to a location associated with the property. The vehicle gathers data at the location. A portion of the gathered data indicating a condition or event at the property is determined and encrypted. The portion of the gathered data is stored or sent to an authorized party.Type: GrantFiled: September 6, 2018Date of Patent: October 20, 2020Assignee: United Services Automobile Association (USAA)Inventors: Anthony Scott Farnsworth, Justin Dax Haslam, Kathleen L. Swain, Teddy Joseph Edmond Voutour, Jess W. Gingrich, Michael J. Allen, Anthony G. Castiglione, Jordan A. Newmark
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Patent number: 10785256Abstract: An applet may be downloaded or provided to a web browser when a user visits a site in order to protect data input by the user from being captured by malicious software, such as key loggers. The applet may present a user input field in the web browser and may generate a random sequence of low-level key stroke or mouse click events within the input field when the user enters information, such as a username and/or password. A listening key logger will receive a large amount of random data, whereas the applet will receive and buffer the actual user data that may be communicated to a remote site access by the user.Type: GrantFiled: June 7, 2018Date of Patent: September 22, 2020Assignee: United Services Automobile Association (USAA)Inventors: Teddy Joseph Edmond Voutour, Michael Frank Morris
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Patent number: 10453124Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for an adaptive financial system. One of the methods includes receiving, from a user, a selected lifestyle archetype of a user, wherein the selected lifestyle archetype identifies a predetermined allocation of income and spending. The method includes monitoring financial activities of the user. The method also includes providing feedback to the user based on the monitoring and the selected lifestyle archetype.Type: GrantFiled: October 20, 2015Date of Patent: October 22, 2019Assignee: United Services Automobile Association (USAA)Inventors: Teddy Joseph Edmond Voutour, David C. Ault, Christina N. Nickel
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Patent number: 10440004Abstract: A user may access an institution system via more than one communications channel, either by the same device (e.g., a mobile device accessing the institution system via a voice channel and a data channel) or by different devices (e.g., a personal computer via a web channel and a phone via a voice channel). If a user is not currently authenticated to a communications channel and attempts to access the institution system via a communications channel, the user may be authenticated using strong authentication. If the user is currently authenticated to the institution system via a communications channel and would like to engage a second communications channel to access the institution system, the user may authenticate to the second communications channel using both communications channels and weak authentication, such as single factor authentication or a challenge question.Type: GrantFiled: July 18, 2017Date of Patent: October 8, 2019Assignee: United Services Automobile Association (USAA)Inventor: Teddy Joseph Edmond Voutour
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Patent number: 10365646Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to the property. For example, an unmanned vehicle may analyze information about the property and based on the information mitigate damage to the property.Type: GrantFiled: January 27, 2016Date of Patent: July 30, 2019Assignee: United Services Automobile Association (USAA)Inventors: Anthony Scott Farnsworth, Justin Dax Haslam, Kathleen L. Swain, Teddy Joseph Edmond Voutour, Jess W. Gingrich, Michael J. Allen, Anthony G. Castiglione, Jordan A. Newmark
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Patent number: 10354386Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to an object. Methods, systems, and devices may be used to determine damage information associated with structures (objects) in aerial images obtained by an unmanned vehicle, or other source. The damage information may include intensity of damage of a structure in an image.Type: GrantFiled: June 14, 2016Date of Patent: July 16, 2019Assignee: United Services Automobile Association (USAA)Inventors: Anthony Scott Farnsworth, Teddy Joseph Edmond Voutour, Michael J. Allen, Jordan A. Newmark, Kathleen L. Swain, Jess W. Gingrich, Anthony G. Castiglione
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Patent number: 10169856Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to an object. For example, an unmanned vehicle may project a laser pattern and use information associated with the laser pattern to determine characteristics of the object.Type: GrantFiled: June 6, 2016Date of Patent: January 1, 2019Assignee: United Services Automobile Association (USAA)Inventors: Anthony Scott Farnsworth, Jordan A. Newmark, Kathleen L. Swain, Teddy Joseph Edmond Voutour, Jess W. Gingrich, Michael J. Allen, Anthony G. Castiglione
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Patent number: 10102590Abstract: This disclosure relates to gathering, storing, analyzing and distributing data acquired by unmanned vehicles after catastrophes. The vehicles can be terrestrial, aerial, nautical, or multi-mode. The gathering phase of the process may being by receiving requests from the interested consumers as to the type of information desired, and this information is used to determine and/or configure the mission. The storage phase may include pre-processing data during the mission, and optionally storing the data in a cloud network. The analysis phase may be performed vehicle-side, server-side, or a combination thereof.Type: GrantFiled: October 2, 2015Date of Patent: October 16, 2018Assignee: United Services Automobile Association (USAA)Inventors: Anthony Scott Farnsworth, Justin Dax Haslam, Kathleen L. Swain, Teddy Joseph Edmond Voutour, Jess W. Gingrich, Michael J. Allen, Anthony G. Castiglione, Jordan A. Newmark
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Patent number: 10043166Abstract: Methods and systems for providing protection to an individual or party from penalties associated with late or missed payments of bills, invoices and other charges are described. The methods and systems can warn a user of possible penalties and take correction action to avoid incurring the penalty. In an example, a computerized method, and system for performing the method can include receiving data about a plurality of payments to be paid by at least one party, the data includes at least one penalty associated with at least one of the payments, ranking the payments based at least partially upon the penalty and determining an order for the payments to be paid.Type: GrantFiled: February 5, 2013Date of Patent: August 7, 2018Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Joseph Alfred Kazenas, Teddy Joseph Edmond Voutour
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Patent number: 9998493Abstract: An applet may be downloaded or provided to a web browser when a user visits a site in order to protect data input by the user from being captured by malicious software, such as key loggers. The applet may present a user input field in the web browser and may generate a random sequence of low-level key stroke or mouse click events within the input field when the user enters information, such as a username and/or password. A listening key logger will receive a large amount of random data, whereas the applet will receive and buffer the actual user data that may be communicated to a remote site access by the user.Type: GrantFiled: August 4, 2014Date of Patent: June 12, 2018Assignee: United Services Automobile Association (USAA)Inventors: Teddy Joseph Edmond Voutour, Michael Frank Morris
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Patent number: 9742756Abstract: A user may access an Institution system via more than one communications channel, either by the same device (e.g., a mobile device accessing the Institution system via a voice channel and a data channel) or by different devices (e.g., a personal computer via a web channel and a phone via a voice channel). If a user is not currently authenticated to a communications channel and attempts to access the Institution system via a communications channel, the user may be authenticated using strong authentication. If the user is currently authenticated to the Institution system via a communications channel and would like to engage a second communications channel to access the Institution system, the user may authenticate to the second communications channel using both communications channels and weak authentication, such as single factor authentication or a challenge question.Type: GrantFiled: January 21, 2016Date of Patent: August 22, 2017Assignee: United Services Automobile Association (USAA)Inventor: Teddy Joseph Edmond Voutour
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Patent number: 9258286Abstract: A user may access an institution system via more than one communications channel, either by the same device (e.g., a mobile device accessing the institution system via a voice channel and a data channel) or by different devices (e.g., a personal computer via a web channel and a phone via a voice channel). If a user is not currently authenticated to a communications channel and attempts to access the institution system via a communications channel, the user may be authenticated using strong authentication. If the user is currently authenticated to the institution system via a communications channel and would like to engage a second communications channel to access the institution system, the user may authenticate to the second communications channel using both communications channels and weak authentication, such as single factor authentication or a challenge question.Type: GrantFiled: July 30, 2008Date of Patent: February 9, 2016Assignee: United Services Automobile Association (USAA)Inventor: Teddy Joseph Edmond Voutour