Patents by Inventor Jeffrey Walton
Jeffrey Walton 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: 11769149Abstract: Techniques are described for managing ghost account(s) for user(s). A ghost account may be created with a ghost account number that is a digitally provisioned payment card number linked to a backend account of a user. The ghost account number may be used to conduct transactions in situations where the user may otherwise use their backend account number. One more constraints governing the use of the ghost account may be specified by the user and/or the backend account management service. For example, the user may request a ghost account to be used only to make payments to a particular merchant or service. As another example, the user may request a ghost account to be useable for a particular period of time and/or a particular number of uses. Transactions initiated through the ghost account may be completed using the backend account that is linked to the ghost account.Type: GrantFiled: March 2, 2021Date of Patent: September 26, 2023Assignee: United Services Automobile Association (USAA)Inventors: Jeffrey Walton Easley, Lee Adams, Juan Pablo Sandoval
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Patent number: 11687934Abstract: Techniques are described for determining account features based on a risk assessment. A first set of account features may be determined, including security feature(s) such as mode(s) for authenticating and/or verifying the identity of a user associated with account(s). Based on the first set of features, a risk metric may be determined for the account(s). The risk metric may indicate a risk that fraud may be committed against the account or using the account. Based on the determined risk metric, a second set of account features may be determined for the account(s). The first and second sets of account feature(s) may be applied to the account(s). Disabling a particular feature may cause a reevaluation of the risk metric and a redetermination of the feature sets to be applied to the account(s).Type: GrantFiled: August 18, 2021Date of Patent: June 27, 2023Assignee: United Services Automobile Association (USAA)Inventors: Thomas Bret Buckingham, Jonathan G. Walters, Jeffrey Walton Easley, Lee Adams
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Patent number: 11676147Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.Type: GrantFiled: March 17, 2021Date of Patent: June 13, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Jeffrey Walton Easley, Melanie Lynn Thompson, Brian Hurtak, Patrick Lugo
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Patent number: 11501293Abstract: A system and methods for leveraging a community of users to collaboratively identify bank or investment account transaction descriptions by providing common, more recognizable description, category and location information used most often by the community. A database may be maintained that is accessible by the customer/user community to view, update and provide understandable descriptions for such cryptic descriptions. The database may be searchable such that a customer/user may search a description to determine or update the source of the transaction.Type: GrantFiled: May 15, 2019Date of Patent: November 15, 2022Assignee: United Services Automobile Association (USAA)Inventor: Jeffrey Walton Easley
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Patent number: 11120450Abstract: Techniques are described for determining account features based on a risk assessment. A first set of account features may be determined, including security feature(s) such as mode(s) for authenticating and/or verifying the identity of a user associated with account(s). Based on the first set of features, a risk metric may be determined for the account(s). The risk metric may indicate a risk that fraud may be committed against the account or using the account. Based on the determined risk metric, a second set of account features may be determined for the account(s). The first and second sets of account feature(s) may be applied to the account(s). Disabling a particular feature may cause a reevaluation of the risk metric and a redetermination of the feature sets to be applied to the account(s).Type: GrantFiled: May 11, 2017Date of Patent: September 14, 2021Assignee: United Services Automobile Association (USAA)Inventors: Thomas Bret Buckingham, Jonathan G. Walters, Jeffrey Walton Easley, Lee Adams
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Patent number: 10990976Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.Type: GrantFiled: December 20, 2017Date of Patent: April 27, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Jeffrey Walton Easley, Melanie Lynn Thompson, Brian Hurtak, Patrick Lugo
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Patent number: 10963872Abstract: Techniques are described for managing ghost account(s) for user(s). A ghost account may be created with a ghost account number that is a digitally provisioned payment card number linked to a backend account of a user. The ghost account number may be used to conduct transactions in situations where the user may otherwise use their backend account number. One more constraints governing the use of the ghost account may be specified by the user and/or the backend account management service. For example, the user may request a ghost account to be used only to make payments to a particular merchant or service. As another example, the user may request a ghost account to be useable for a particular period of time and/or a particular number of uses. Transactions initiated through the ghost account may be completed using the backend account that is linked to the ghost account.Type: GrantFiled: April 9, 2020Date of Patent: March 30, 2021Assignee: United Services Automobile Association (USAA)Inventors: Jeffrey Walton Easley, Lee Adams, Juan Pablo Sandoval
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Patent number: 10657527Abstract: Techniques are described for managing ghost account(s) for user(s). A ghost account may be created with a ghost account number that is a digitally provisioned payment card number linked to a backend account of a user. The ghost account number may be used to conduct transactions in situations where the user may otherwise use their backend account number. One more constraints governing the use of the ghost account may be specified by the user and/or the backend account management service. For example, the user may request a ghost account to be used only to make payments to a particular merchant or service. As another example, the user may request a ghost account to be useable for a particular period of time and/or a particular number of uses. Transactions initiated through the ghost account may be completed using the backend account that is linked to the ghost account.Type: GrantFiled: July 10, 2017Date of Patent: May 19, 2020Assignee: United Services Automobile Association (USAA)Inventors: Jeffrey Walton Easley, Lee Adams, Juan Pablo Sandoval
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Patent number: 10346835Abstract: A system and methods for leveraging a community of users to collaboratively identify bank or investment account transaction descriptions by providing common, more recognizable description, category and location information used most often by the community. A database may be maintained that is accessible by the customer/user community to view, update and provide understandable descriptions for such cryptic descriptions. The database may be searchable such that a customer/user may search a description to determine or update the source of the transaction.Type: GrantFiled: March 10, 2015Date of Patent: July 9, 2019Assignee: United Services Automobile Association (USAA)Inventor: Jeffrey Walton Easley
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Patent number: 10203420Abstract: A cathode conductive strip can be attached to a semiconductor radiation sensor by using a double sided dual adhesive electrically conductive tape in a sensor assembly or a detector module to provide reliable electrical connection between the semiconductor radiation sensor and the cathode conductive strip. The double sided dual adhesive electrically conductive tape includes an electrically conductive backing with two different adhesion strength adhesives on both sides. The high adhesion strength side is bonded to the cathode electrode of the semiconductor radiation sensor. The lower adhesion strength side is bonded to the conductive face of the cathode conductive strip.Type: GrantFiled: May 11, 2017Date of Patent: February 12, 2019Assignee: REDLEN TECHNOLOGIES, INC.Inventors: Pinghe Lu, Michael Ayukawa, Christopher Read, Robert Crestani, Jeffrey Walton
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Publication number: 20180329079Abstract: A cathode conductive strip can be attached to a semiconductor radiation sensor by using a double sided dual adhesive electrically conductive tape in a sensor assembly or a detector module to provide reliable electrical connection between the semiconductor radiation sensor and the cathode conductive strip. The double sided dual adhesive electrically conductive tape includes an electrically conductive backing with two different adhesion strength adhesives on both sides. The high adhesion strength side is bonded to the cathode electrode of the semiconductor radiation sensor. The lower adhesion strength side is bonded to the conductive face of the cathode conductive strip.Type: ApplicationFiled: May 11, 2017Publication date: November 15, 2018Inventors: Pinghe LU, Michael AYUKAWA, Christopher READ, Robert CRESTANI, Jeffrey WALTON
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Patent number: 8924288Abstract: The present disclosure provides a relatively automated system and method for a customer to change to a new service provider of a financial product, such as banking services. In general, the customer may provide initial data to a new second provider that the second provider may use to automatically and electronically access data about the customer from a prior first provider data source, such as an electronic database of the first provider. The customer data may include a customer credential provided to the second provider to retrieve automated financial transactions from the first provider's Web site on behalf of and with support of the customer. Automated financial transactions include direct deposits, automatic withdrawals, and online payment of bills. The second provider may use the data to at least partially recreate the automated financial transactions for the customer in an account with the second provider.Type: GrantFiled: July 24, 2007Date of Patent: December 30, 2014Assignee: United Services Automobile Association (USAA)Inventors: Jeffrey Walton Easley, Teddy Joseph Edmond Voutour
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Patent number: 8121947Abstract: A method of transferring a financial account from an existing financial institution to a new financial institution includes receiving a customer request for financial account transfer, determining information regarding the existing financial institution using information stored at the new financial institution, receiving, via an aggregation tool, information regarding the financial account, determining financial obligations associated with the financial account using the received information, and populating a database of the new financial institution to reflect the determined financial obligations.Type: GrantFiled: October 10, 2006Date of Patent: February 21, 2012Assignee: United Services Automobile Association (USAA)Inventors: Ryan Ray Barth, Jeffrey Walton Easley, Teddy Joseph Edmond Voutour, Michael Albert Luby
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Patent number: 4291512Abstract: A jointing member for supporting one or more sheets of material comprises a hollow cylindrical member divided longitudinally into several separate compartments each having an external wall formed with a slot. The walls are flexible and the edges of the slot grip and support the edge of the sheet of material once inserted into the slot.Type: GrantFiled: May 22, 1979Date of Patent: September 29, 1981Inventor: Jeffrey Walton