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).
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Patent number: 11863579Abstract: 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: GrantFiled: September 30, 2020Date of Patent: January 2, 2024Assignee: United Services Automobile Association (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente
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Patent number: 11792176Abstract: 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: GrantFiled: September 21, 2021Date of Patent: October 17, 2023Assignee: 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
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Patent number: 11765151Abstract: 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: GrantFiled: January 25, 2022Date of Patent: September 19, 2023Assignee: United Services Automobile Association (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
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Patent number: 11271918Abstract: 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: GrantFiled: April 20, 2020Date of Patent: March 8, 2022Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
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Patent number: 11159505Abstract: 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: GrantFiled: August 8, 2019Date of Patent: October 26, 2021Assignee: 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
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Patent number: 10834119Abstract: 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: GrantFiled: December 17, 2018Date of Patent: November 10, 2020Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente
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Patent number: 10630670Abstract: 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: GrantFiled: December 13, 2018Date of Patent: April 21, 2020Assignee: United Services Automobile Association (USAA)Inventors: Debra Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
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Patent number: 10432605Abstract: 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: GrantFiled: October 15, 2018Date of Patent: October 1, 2019Assignee: 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
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Patent number: 10187371Abstract: 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: GrantFiled: February 28, 2018Date of Patent: January 22, 2019Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
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Patent number: 10164999Abstract: 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: GrantFiled: April 25, 2018Date of Patent: December 25, 2018Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente
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Patent number: 9979744Abstract: 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: GrantFiled: November 30, 2015Date of Patent: May 22, 2018Assignee: United States Automobile Association (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente
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Patent number: 9917825Abstract: 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: GrantFiled: January 11, 2016Date of Patent: March 13, 2018Assignee: United Services Automobile Association (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
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Patent number: 9237146Abstract: 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: GrantFiled: June 11, 2014Date of Patent: January 12, 2016Assignee: United Services Automobile AssociationInventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
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Patent number: 9203860Abstract: 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: GrantFiled: March 20, 2012Date of Patent: December 1, 2015Assignee: United Services Automobile Association (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente