Patents by Inventor Charles Lee Oakes, III

Charles Lee Oakes, III 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).

  • Patent number: 10296875
    Abstract: An automated banking terminal for facilitating a financial transaction is provided. The automated banking terminal includes a processor, a display for presenting a set of customer menu options, and a communication interface. The automated banking terminal also includes expansion slots which have a mechanical interface and an electrical interface. Expansion modules may be connected to the processor through the expansion slots. An expansion module may be a cash dispensing module, a cash receiving and counting module, a check receiving module, a printer, a scanner, a biometric interface, a signature pad, an account card reader, or an account card programmer. The processor of the automated banking terminal is configured to detect the expansion module and determine additional menu options to supplement the customer menu options based on detecting the expansion module.
    Type: Grant
    Filed: July 2, 2012
    Date of Patent: May 21, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Gunjan Vijayvergia, Charles Lee Oakes, III
  • Patent number: 10272494
    Abstract: A method of fabricating a conduit includes providing a processor and receiving schematic information. The method also includes computing, using the processor, at least one three-dimensional configuration for the conduit and printing the conduit having the computed at least one three-dimensional configuration.
    Type: Grant
    Filed: February 6, 2017
    Date of Patent: April 30, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Jordan Newmark, Charles Lee Oakes, III
  • Patent number: 10263981
    Abstract: Techniques provided herein relate to electronic authentication on public systems. A backend system receives at least one electronic data action request from a publicly available client system that is shared amongst a plurality of users. At least a portion of the primary authentication information is received from a secondary device separate from the publicly available client system. The electronic data action request is authenticated by determining if the primary authentication information matches expected primary authentication information that is expected to complete the electronic data action request. Performance of the electronic data action request is facilitated when the primary authentication information matches the expected primary authentication information.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: April 16, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Vijay Jayapalan, Thomas Bret Buckingham
  • Patent number: 10262305
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: May 18, 2018
    Date of Patent: April 16, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 10257235
    Abstract: A system has a plurality of communications devices within a geographic area. Each device is capable of communicating from within the geographic area with any other device proximate the device, and is also capable of communicating from within the geographic area with a communications service having access to an area external to the geographic area if such communications service is operational and available to the device. At least one of the devices is a gateway device that communicates from within the geographic area with the communications service, and at least some of the devices are non-gateway devices that communicate from within the geographic area with the gateway device. Each non-gateway device communicates from within the geographic area with the area external thereto by way of the gateway device and the communications service communicated with by the gateway device.
    Type: Grant
    Filed: February 26, 2018
    Date of Patent: April 9, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Bradly Jay Billman, Charles Lee Oakes, III
  • Patent number: 10235660
    Abstract: An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.
    Type: Grant
    Filed: October 25, 2017
    Date of Patent: March 19, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Patrick Bueche, Jr., Bharat Prasad, Minya Liang, Reynaldo Medina, Charles Lee Oakes, III
  • Patent number: 10164973
    Abstract: Techniques provided herein relate to electronic authentication on public systems. A backend system receives at least one electronic data action request from a publicly available client system that is shared amongst a plurality of users. At least a portion of the primary authentication information is received from a secondary device separate from the publicly available client system. The electronic data action request is authenticated by determining if the primary authentication information matches expected primary authentication information that is expected to complete the electronic data action request. Performance of the electronic data action request is facilitated when the primary authentication information matches the expected primary authentication information.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: December 25, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Vijay Jayapalan, Thomas Bret Buckingham
  • Patent number: 10121213
    Abstract: Disclosed herein are a method, system, and computer-readable storage medium with instructions for recommending locations to a user. Preferred criteria may be selected by the user, for example, or a third party, and provide objective or subjective information that the user is seeking in a location. Embodiments may include compiling objective information with the location and comparing the objective information to preferred criteria. A user's profile may be compared to another person's profile, where the other person's profile is associated to the location. A location may be recommended to the user if the objective information correlates to the preferred criteria and if the other person's profile correlates to the user's profile. Subjective information associated with the location may be provided to the user along with the recommended location. Furthermore, a location may be recommended to the user if the subjective information correlates to the preferred criteria.
    Type: Grant
    Filed: March 15, 2017
    Date of Patent: November 6, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Charles Lee Oakes, III, Reynaldo Medina, III, Michael Patrick Bueche, Jr.
  • Patent number: 10062129
    Abstract: Disclosed herein are a method, system, and computer-readable storage medium comprising instructions for notifying a user of available realty in proximity to the user's approximate current location. In an embodiment, a triggering location region is defined based on the user's approximate current location. The triggering location region includes a second location that is associated with another person's profile that correlates with the user's profile. An alert is automatically provided to the user if available realty is within the defined triggering location region. In another embodiment, if available realty within the triggering location region meets the user's preferred criteria, information about the available realty may be automatically provided to the user.
    Type: Grant
    Filed: October 6, 2017
    Date of Patent: August 28, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Charles Lee Oakes, III, Reynaldo Medina, III, Michael Patrick Beuche, Jr.
  • Patent number: 10033861
    Abstract: Methods and systems for multiple channel authentication are described. In one embodiment, a request for an interaction is initiated from within a mobile application. The request may include authentication information and contextual information relating to a current exchange between the mobile application and an organization. The user may be authenticated with the authentication information and the request may be routed to a representative based on the contextual information to continue the exchange.
    Type: Grant
    Filed: August 23, 2017
    Date of Patent: July 24, 2018
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Anthony Scott Farnsworth, Zakery Layne Johnson, Joshua S. Kerr, Eric Smith, Charles Lee Oakes, III, Thomas Bret Buckingham, Maland Keith Mortensen, John Raymond Harris, Joshua Samuel Leonard, Vijay Jayapalan, Minya Liang, Justin Dax Haslam, Robert Barner, Ross Andrew Thiele
  • Patent number: 10032193
    Abstract: Methods and systems for facilitating a program with participating merchants and consumers are described. In some embodiments, a method includes receiving a wish list of a user. The wish list may include items or services sold by merchants participating in the program. The wish list may be published to the merchants participating in the program. A location of the user may be determined, and an offer from one of the participating merchants may be received, where the offer is based on the location of the user. A total cost of the offer may be calculated by analyzing the offer. The user may be notified of the offer and the total cost.
    Type: Grant
    Filed: March 11, 2014
    Date of Patent: July 24, 2018
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Marty Lee Mendivil, Rickey Dale Burks, Charles Lee Oakes, III, Michael Patrick Bueche, Jr., Christopher A. Jackson, Margaret M. Tuschinski, Craig Kincaid, Luke James Gradeless, Elizabeth Jackson, Stephen Basilotto
  • Patent number: 10013681
    Abstract: Machine-readable storage media having instructions stored therein that, when executed by a processor of a mobile device, configure the mobile device to capture a check image for deposit and read a MICR line of the received check image. The mobile device is configured to present electronic images of the check to the user after the electronic images are captured. The mobile device may be configured to confirm that the deposit can go forward after optical character recognition (OCR) is performed on the check, the optical character recognition (OCR) determining an amount of the check, comparing the OCR determined amount to an amount indicated by the user, and reading a MICR line of the check.
    Type: Grant
    Filed: July 28, 2017
    Date of Patent: July 3, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 10013605
    Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check; displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.
    Type: Grant
    Filed: July 28, 2017
    Date of Patent: July 3, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Bartlette Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 9953383
    Abstract: Disclosed herein are a method, system, and computer-readable storage medium with instructions for recommending locations to a user. Preferred criteria may be selected by the user, for example, or a third party, and provide objective or subjective information that the user is seeking in a location. Embodiments may include compiling objective information with the location and comparing the objective information to preferred criteria. A user's profile may be compared to another person's profile, where the other person's profile is associated to the location. A location may be recommended to the user if the objective information correlates to the preferred criteria and if the other person's profile correlates to the user's profile. Subjective information associated with the location may be provided to the user along with the recommended location. Furthermore, a location may be recommended to the user if the subjective information correlates to the preferred criteria.
    Type: Grant
    Filed: March 15, 2017
    Date of Patent: April 24, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Charles Lee Oakes, III, Reynaldo Medina, III, Michael Patrick Bueche, Jr.
  • Patent number: 9818090
    Abstract: An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.
    Type: Grant
    Filed: December 28, 2016
    Date of Patent: November 14, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Patrick Bueche, Jr., Bharat Prasad, Minya Liang, Reynaldo Medina, Charles Lee Oakes, III
  • Patent number: 9811867
    Abstract: Disclosed herein are a method, system, and computer-readable storage medium comprising instructions for notifying a user of available realty in proximity to the user's approximate current location. In an embodiment, a triggering location region is defined based on the user's approximate current location. The triggering location region includes a second location that is associated with another person's profile that correlates with the user's profile. An alert is automatically provided to the user if available realty is within the defined triggering location region. In another embodiment, if available realty within the triggering location region meets the user's preferred criteria, information about the available realty may be automatically provided to the user.
    Type: Grant
    Filed: November 4, 2016
    Date of Patent: November 7, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Charles Lee Oakes, III, Reynaldo Medina, III, Michael Patrick Bueche
  • Patent number: 9792639
    Abstract: Price searching via a mobile device reading display screen graphics is provided. A system for obtaining pricing information comprises at least one subsystem that electronically reads a price of a product using a mobile device scanning a display screen, at least one subsystem that searches for other available products and price data to compare to the electronically read price and product data, at least one subsystem that compares the price data of the other products to the electronically read price data, and at least one subsystem that presents purchase options based upon results of the comparison of the price and product data.
    Type: Grant
    Filed: February 8, 2016
    Date of Patent: October 17, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventors: Judd Hoyt Maroney, Charles Lee Oakes, III
  • Patent number: 9749463
    Abstract: Methods and systems for multiple channel authentication are described. In one embodiment, a request for a combined voice and data call is initiated from within a mobile application. The request may include authentication information and contextual information relating to a current exchange between the mobile application and an organization. The user may be authenticated with the authentication information and the combined voice and data call may be routed to a representative based on the contextual information to continue the exchange.
    Type: Grant
    Filed: October 20, 2016
    Date of Patent: August 29, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventors: Anthony Scott Farnsworth, Zakery Layne Johnson, Joshua S. Kerr, Eric Smith, Charles Lee Oakes, III, Thomas Bret Buckingham, Maland Keith Mortensen, John Raymond Harris, Joshua Samuel Leonard, Vijay Jayapalan, Minya Liang, Justin Dax Haslam, Robert Barner, Ross Andrew Thiele
  • Patent number: 9710615
    Abstract: Mechanisms are disclosed herein for storing various records. Numerous keys and parties can access online repositories. These repositories contain a plurality of lockboxes, structured hierarchically and otherwise, providing public and private areas with varying levels of access. Some content of such lockboxes can be sharable. These lockboxes can be used not only to store diverse content, ranging from birth certificates to deeds and social security numbers, but they can also be accessed in a variety of ways. For example, keys to lockboxes can be made available by such events as the issuing of death certificates or birth certificates. Alternatively, keys can be issued according to various rules and heuristics stipulated by lockbox users. In either case, the plurality of lockboxes residing in repositories can be configured to provide centralized storage facilities that are secure and readily accessible from various computing devices.
    Type: Grant
    Filed: September 27, 2007
    Date of Patent: July 18, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventors: Randy Ray Morlen, Charles Lee Oakes, III, Rickey Dale Burks
  • Patent number: 9596088
    Abstract: A vendor system may allow a user to electronically sign documents. The vendor system may receive a package of biometric information from the user. In one embodiment, the vendor system may compare the received package of biometric information with a registered package of biometric information associated with the user. If the received package of biometric information matches the registered package of biometric information, the vendor system may sign a document with an electronic signature.
    Type: Grant
    Filed: December 29, 2014
    Date of Patent: March 14, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventor: Charles Lee Oakes, III