Patents by Inventor Jon D. McEachron
Jon D. McEachron 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: 11954669Abstract: Authentication method and systems using RFID-enabled payment cards are disclosed herein where a server receives a request corresponding to authorization of a payment associated with a payment card from an electronic terminal. The server identifies an electronic device of a user associated with the payment card. The server then transmits an instruction to the electronic device to cause an RFID reader of the electronic device to determine whether an RFID tag corresponding to the payment card is located within a predetermined proximity to the electronic device. When the payment card is located within the predetermined proximity, the server executes a first authentication protocol. Moreover, when the payment card is not located within the predetermined proximity, the server executes a second authentication protocol, wherein the second authentication protocol is more restrictive than the first authentication protocol.Type: GrantFiled: August 2, 2022Date of Patent: April 9, 2024Assignee: United Services Automobile Association (USAA)Inventors: Bryan J. Osterkamp, Kelly Q. Baker, David M. Jones, Jr., Ryan Thomas Russell, Robert Andrew Massie, Jon D. McEachron
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Patent number: 11900429Abstract: The described systems and methods provide a user's mobile device with a graphical user interface that can provide information about the lowest price offered for one or more products. For instance, when a person at a physical retail store places one or more products in a physical shopping cart, a scanning device may scan the one or more products to obtain information about the one or more products, the scanned information is sent to a server that provides pricing and store location information to a mobile device based on the scanned information, the pricing and store location information can be analyzed by the mobile device to display the lowest price and store location for each product.Type: GrantFiled: November 18, 2021Date of Patent: February 13, 2024Assignee: United Services Automobile Association (USAA)Inventors: Michelle Susan Croak, Stephen Joseph Contreras, Jo Anne Yau, Charise Renee Whitaker, Jason Algernon Webster, Salvador J. Rodriguez, Jon D. McEachron, Kimberly Wiessner, Oscar Guerra
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Patent number: 11748740Abstract: Authentication method and systems using RFID-enabled payment cards are disclosed herein where a server receives a request corresponding to authorization of a payment associated with a payment card from an electronic terminal. The server identifies an electronic device of a user associated with the payment card. The server then transmits an instruction to the electronic device to cause an RFID reader of the electronic device to determine whether an RFID tag corresponding to the payment card is located within a predetermined proximity to the electronic device. When the payment card is located within the predetermined proximity, the server executes a first authentication protocol. Moreover, when the payment card is not located within the predetermined proximity, the server executes a second authentication protocol, wherein the second authentication protocol is more restrictive than the first authentication protocol.Type: GrantFiled: August 2, 2022Date of Patent: September 5, 2023Assignee: United Services Automobile Association (USAA)Inventors: Bryan J. Osterkamp, Kelly Q. Baker, David M. Jones, Jr., Ryan Thomas Russell, Robert Andrew Massie, Jon D. McEachron
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Patent number: 11544713Abstract: Systems and methods ingest extensive data regarding real-time transactions to determine correlation between a variety of parameters and possible fraud events. Possible fraud can be predicted, and notifications delivered to a fraud team. Correlations can be discovered using unsupervised machine learning, and particular systems and methods can utilize natural language processing to both receive and provide information concerning fraud risk and countermeasures.Type: GrantFiled: September 30, 2020Date of Patent: January 3, 2023Assignee: United Services Automobile Association (USAA)Inventors: Gregory D. Hansen, Andre R. Buentello, Ashley R. Philbrick, Jose L. Romero, Jr., Reynaldo Medina, III, Curtis M. Bell, Yevgeniy Khmelev, Stacy C. Huggar, Ruthie Lyle, Victor Kwak, Jon D. McEachron
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Patent number: 11533318Abstract: Various embodiments described herein relate to a call management system that aims to provide a more efficient, secure, and dynamic technique for authenticating a user based on a location of the user. A server of the call management system receives a phone call from a user device. The server transfers the phone call to an analyst device. When the analyst device accepts the phone call, the server starts an electronic communication session between the user device and the analyst device. The server then determines a current location of the user. The server further determines a question for authentication of the user based on the current location. The server transmits the question to the analyst device. The analyst device transmits the question to the user device via the server. In response to an answer received from the user device, the server authenticates the user.Type: GrantFiled: September 30, 2020Date of Patent: December 20, 2022Assignee: United Services Automobile Association (USAA)Inventors: Bryan J. Osterkamp, Ryan Thomas Russell, Jon D. McEachron, Gregory B. Yarbrough, Janelle Denice Dziuk
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Patent number: 11416844Abstract: Authentication method and systems using RFID-enabled payment cards are disclosed herein where a server receives a request corresponding to authorization of a payment associated with a payment card from an electronic terminal. The server identifies an electronic device of a user associated with the payment card. The server then transmits an instruction to the electronic device to cause an RFID reader of the electronic device to determine whether an RFID tag corresponding to the payment card is located within a predetermined proximity to the electronic device. When the payment card is located within the predetermined proximity, the server executes a first authentication protocol. Moreover, when the payment card is not located within the predetermined proximity, the server executes a second authentication protocol, wherein the second authentication protocol is more restrictive than the first authentication protocol.Type: GrantFiled: August 27, 2020Date of Patent: August 16, 2022Assignee: United Services Automobile Association (USAA)Inventors: Bryan J. Osterkamp, Kelly Q. Baker, David M. Jones, Jr., Ryan Thomas Russell, Robert Andrew Massie, Jon D. McEachron
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Patent number: 11210731Abstract: The described systems and methods provide a user's mobile device with a graphical user interface that can provide information about the lowest price offered for one or more products. For instance, when a person at a physical retail store places one or more products in a physical shopping cart, a scanning device may scan the one or more products to obtain information about the one or more products, the scanned information is sent to a server that provides pricing and store location information to a mobile device based on the scanned information, the pricing and store location information can be analyzed by the mobile device to display the lowest price and store location for each product.Type: GrantFiled: December 18, 2019Date of Patent: December 28, 2021Assignee: United Services Automobile Association (USAA)Inventors: Michelle Susan Croak, Stephen Joseph Contreras, Jo Anne Yau, Charise Renee Whitaker, Jason Algernon Webster, Salvador J. Rodriguez, Jon D. McEachron, Kimberly Wiessner, Oscar Guerra
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Patent number: 10970403Abstract: Methods and systems are disclosed a digital investigation tool capable of recovering and decrypting content. The tool combines digital techniques with decryption capability for a wide range of encryption algorithms. In one implementation, the tool identifies the type and/or vendor of the encryption algorithm used to protect the content. The tool then automatically obtains the decryption information needed to decrypt the content. Depending on the encryption algorithm used, the information may include a master key, user-specific keys, user IDs, passwords, and the like. The decryption information may be accumulated in a local or remote storage location accessible by the tool, or it may be acquired in real time on an as-needed basis from a third-party encryption vendor, a key server, and the like. Such an arrangement allows law enforcement agencies as well as corporate security personnel to quickly recover and decrypt content stored on a computer system.Type: GrantFiled: June 27, 2019Date of Patent: April 6, 2021Assignee: United Services Automobile Association (USAA)Inventor: Jon D. McEachron
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Patent number: 10380357Abstract: Methods and systems are disclosed a digital investigation tool capable of recovering and decrypting content. The tool combines digital techniques with decryption capability for a wide range of encryption algorithms. In one implementation, the tool identifies the type and/or vendor of the encryption algorithm used to protect the content. The tool then automatically obtains the decryption information needed to decrypt the content. Depending on the encryption algorithm used, the information may include a master key, user-specific keys, user IDs, passwords, and the like. The decryption information may be accumulated in a local or remote storage location accessible by the tool, or it may be acquired in real time on an as-needed basis from a third-party encryption vendor, a key server, and the like. Such an arrangement allows law enforcement agencies as well as corporate security personnel to quickly recover and decrypt content stored on a computer system.Type: GrantFiled: August 30, 2017Date of Patent: August 13, 2019Assignee: United Services Automobile Association (USAA)Inventor: Jon D. McEachron
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Patent number: 9773120Abstract: Methods and systems are disclosed a digital investigation tool capable of recovering and decrypting content. The tool combines digital techniques with decryption capability for a wide range of encryption algorithms. In one implementation, the tool identifies the type and/or vendor of the encryption algorithm used to protect the content. The tool then automatically obtains the decryption information needed to decrypt the content. Depending on the encryption algorithm used, the information may include a master key, user-specific keys, user IDs, passwords, and the like. The decryption information may be accumulated in a local or remote storage location accessible by the tool, or it may be acquired in real time on an as-needed basis from a third-party encryption vendor, a key server, and the like. Such an arrangement allows law enforcement agencies as well as corporate security personnel to quickly recover and decrypt content stored on a computer system.Type: GrantFiled: March 23, 2015Date of Patent: September 26, 2017Assignee: United Services Automobile Association (USAA)Inventor: Jon D. McEachron