Patents by Inventor Charles Lee

Charles Lee 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: 10460295
    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: November 25, 2015
    Date of Patent: October 29, 2019
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 10423939
    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: September 24, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 10417617
    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: November 25, 2015
    Date of Patent: September 17, 2019
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 10402638
    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: October 19, 2018
    Date of Patent: September 3, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 10393563
    Abstract: A volumetric measurement system having an imaging device and a light source, where the light source is configured to illuminate the container and the sample regardless of a blockage or obstruction of the sample on at least part of the container.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: August 27, 2019
    Assignee: Brooks Automation, Inc.
    Inventors: David Charles Lee, Martin G. Short, Melvyn Whiteside, Tim Redburn
  • Patent number: 10389874
    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: July 3, 2018
    Date of Patent: August 20, 2019
    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: 10380559
    Abstract: Techniques are provided for addressing possible fraud and mistake scenarios in a system for electronically receiving check images from customers and for automatically initiating a deposit of funds into a customer account. An electronic analysis of a check may be conducted to retrieve a check identifier that may be compared against a limited number of previously deposited checks, allowing for faster real-time comparisons. The deposit may be soft-post of regardless whether it is flagged as a potential duplicate, because subsequent more thorough analysis may uncover false positives. Also, transaction and account information can be analyzed to determine if there is a possibility of a check kiting operation.
    Type: Grant
    Filed: December 9, 2015
    Date of Patent: August 13, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Gabriel Glenn Gavia, R. Bharat Prasad Nuggehalli, Frank Kyle Major, Jeffrey Neal Pollack, Carol Ann Walls, Larry Dwayne Taylor
  • Patent number: 10339588
    Abstract: Price searching and intelligent shopping lists on a mobile device is provided. A system for providing a shopping list comprises at least one subsystem that receives input data containing product identification information, at least one subsystem that determines location information of a product identified by the product identification information, and at least one subsystem that determines a proposed route from a particular location to a location of the product identified by the location information.
    Type: Grant
    Filed: September 4, 2015
    Date of Patent: July 2, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventor: Charles Lee Oakes, III
  • 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: 10289813
    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: June 13, 2017
    Date of Patent: May 14, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Randy Ray Morlen, Charles Lee Oakes, Rickey Dale Burks
  • 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
  • Publication number: 20190105098
    Abstract: A system is provided to treat sleep apnea, with a method of use. The system includes a handpiece which includes at least one penetrating electrode configured to penetrate tissue and one or more temperature sensors. A processor is coupled with the one or more temperature sensors and the at least one penetrating electrode, and a memory is configured to store instructions executable by the processor. The instructions, when executed, are operable to emit, by the at least one penetrating electrode, RF energy from the electrodes to heat a region of a base of a tongue until a target energy is delivered to the region. The instructions are also operable to measure, by the one or more temperature sensors, the temperature of the region.
    Type: Application
    Filed: October 9, 2018
    Publication date: April 11, 2019
    Inventor: Charles Lee Powell
  • 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: 10190173
    Abstract: Recurrent gene fusions of androgen regulated genes and ETS family member genes in prostate cancer are described. Compositions and methods having utility in prostate cancer diagnosis, research, and therapy are also provided.
    Type: Grant
    Filed: May 9, 2016
    Date of Patent: January 29, 2019
    Assignees: THE REGENTS OF THE UNIVERSITY OF MICHIGAN, THE BRIGHAM AND WOMEN'S HOSPITAL, INC.
    Inventors: Scott Tomlins, Daniel Rhodes, Arul Chinnaiyan, Rohit Mehra, Mark A. Rubin, Xiao-Wei Sun, Sven Perner, Charles Lee, Francesca Demichelis
  • Patent number: 10171670
    Abstract: Disclosed herein are a system, method, and computer-readable medium with instructions for recommending a service provider based on a user's approximate current location. The service provider may be recommended for a service that is verified under a user's insurance policy and is also within proximity to the user's approximate current location. The user's approximate current location may be determined by location-based technology. The entity that receives and/or recommends the service provider may initiate a request for the service from the service provider. Further embodiments are related to routing a call to provide information to the user that is responsive to the user's location-relevant request. For example, systems, such as an automotive telematics system, may request information and be routed to the appropriate division of a user's insurance provider such that the automotive telematics system can provide services to the user that are user-specific (e.g., covered by the user's insurance policy).
    Type: Grant
    Filed: August 15, 2016
    Date of Patent: January 1, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventor: Charles Lee Oakes
  • 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
  • Publication number: 20180368211
    Abstract: Redundant heating systems include a plurality of heating circuits to heat a region. Heating circuits include a temperature sensor to sense a temperature of the region, a heating element, a temperature controller to provide power to the heating element based on the sensed temperature of the region, and a latching thermostat in series with the heating element. The latching thermostat consumes power supplied by the temperature controller to the heating element in response to a temperature of the latching thermostat reaching an open latch threshold temperature.
    Type: Application
    Filed: May 18, 2018
    Publication date: December 20, 2018
    Inventors: Charles A. Lee, Sabeshan Sean Periyathamby