Patents by Inventor John David Row

John David Row 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: 11863579
    Abstract: Various embodiments of the present invention generally relate to identity authentication and/or recognition. Some embodiments provide a method for determining when a user may engage in a restricted activity, including engaging in an initial contact with a user via a medium for exchange, receiving a request to engage in an activity, determining an activity trust threshold required for the activity, determining an initial identity trust score for the user, and comparing the initial identity trust score with the activity trust threshold. Based on the comparison, the user is either allowed to engage in the activity, rejected from engaging in the activity, or additional identifying information is collected.
    Type: Grant
    Filed: September 30, 2020
    Date of Patent: January 2, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente
  • Patent number: 11792176
    Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.
    Type: Grant
    Filed: September 21, 2021
    Date of Patent: October 17, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael W. Lester, Debra Randall Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Bret Buckingham, Tammy Sanclemente
  • Patent number: 11765151
    Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system utilizes a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.
    Type: Grant
    Filed: January 25, 2022
    Date of Patent: September 19, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
  • Patent number: 11271918
    Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system utilizes a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.
    Type: Grant
    Filed: April 20, 2020
    Date of Patent: March 8, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
  • Patent number: 11159505
    Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.
    Type: Grant
    Filed: August 8, 2019
    Date of Patent: October 26, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Michael W. Lester, Debra Randall Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Bret Buckingham, Tammy Sanclemente
  • Patent number: 10834119
    Abstract: Various embodiments of the present invention generally relate to identity authentication and/or recognition. Some embodiments provide a method for determining when a user may engage in a restricted activity, including engaging in an initial contact with a user via a medium for exchange, receiving a request to engage in an activity, determining an activity trust threshold required for the activity, determining an initial identity trust score for the user, and comparing the initial identity trust score with the activity trust threshold. Based on the comparison, the user is either allowed to engage in the activity, rejected from engaging in the activity, or additional identifying information is collected.
    Type: Grant
    Filed: December 17, 2018
    Date of Patent: November 10, 2020
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente
  • Patent number: 10630670
    Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system utilizes a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.
    Type: Grant
    Filed: December 13, 2018
    Date of Patent: April 21, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Debra Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
  • Patent number: 10432605
    Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.
    Type: Grant
    Filed: October 15, 2018
    Date of Patent: October 1, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael W. Lester, Debra Randall Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Bret Buckingham, Tammy Sanclemente
  • Patent number: 10187371
    Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system utilizes a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.
    Type: Grant
    Filed: February 28, 2018
    Date of Patent: January 22, 2019
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
  • Patent number: 10164999
    Abstract: Various embodiments of the present invention generally relate to identity authentication and/or recognition. Some embodiments provide a method for determining when a user may engage in a restricted activity, including engaging in an initial contact with a user via a medium for exchange, receiving a request to engage in an activity, determining an activity trust threshold required for the activity, determining an initial identity trust score for the user, and comparing the initial identity trust score with the activity trust threshold. Based on the comparison, the user is either allowed to engage in the activity, rejected from engaging in the activity, or additional identifying information is collected.
    Type: Grant
    Filed: April 25, 2018
    Date of Patent: December 25, 2018
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente
  • Patent number: 9979744
    Abstract: Various embodiments of the present invention generally relate to identity authentication and/or recognition. Some embodiments provide a method for determining when a user may engage in a restricted activity, including engaging in an initial contact with a user via a medium for exchange, receiving a request to engage in an activity, determining an activity trust threshold required for the activity, determining an initial identity trust score for the user, and comparing the initial identity trust score with the activity trust threshold. Based on the comparison, the user is either allowed to engage in the activity, rejected from engaging in the activity, or additional identifying information is collected.
    Type: Grant
    Filed: November 30, 2015
    Date of Patent: May 22, 2018
    Assignee: United States Automobile Association (USAA)
    Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente
  • Patent number: 9917825
    Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system utilizes a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.
    Type: Grant
    Filed: January 11, 2016
    Date of Patent: March 13, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
  • Patent number: 9237146
    Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system utilizes a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.
    Type: Grant
    Filed: June 11, 2014
    Date of Patent: January 12, 2016
    Assignee: United Services Automobile Association
    Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
  • Patent number: 9203860
    Abstract: Various embodiments of the present invention generally relate to identity authentication and/or recognition. Some embodiments provide a method for determining when a user may engage in a restricted activity, including engaging in an initial contact with a user via a channel, acquiring identifying information relating to the user, receiving, from the user, a request to engage in an activity, determining an activity trust threshold required for the activity, based on the identifying information, determining an initial identity trust score for the user based on the identifying information, comparing the initial identity trust score with the activity trust threshold. Based on the comparison, the user is either allowed to engage in the activity, rejected from engaging in the activity, or additional identifying information is collected.
    Type: Grant
    Filed: March 20, 2012
    Date of Patent: December 1, 2015
    Assignee: United Services Automobile Association (USAA)
    Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente