Patents by Inventor Karen M. Moritz
Karen M. Moritz 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: 11797657Abstract: A computer-implemented method includes identifying behavioral characteristics of a user related to operation of a computing device prior to an online account session. The method includes comparing the behavioral characteristics to a behavioral profile previously developed based on prior behavioral characteristics of the user, and determining an appropriate mark difficulty level based on a variation between the behavioral characteristics and the behavioral profile. The method includes selecting, from a plurality of prompts stored in a prompt database, a prompt that comprises instructions to draw a mark having the appropriate mark difficulty level, where other prompts of the plurality of prompts comprise instructions to draw other marks different from the mark, and providing the prompt to the user as part of a logon process for the online account session.Type: GrantFiled: November 21, 2022Date of Patent: October 24, 2023Assignee: United Services Automobile Association (USAA)Inventors: Brian Christopher Hawes, Karen M. Moritz, Stephen Seyler Aultman, Joseph James Albert Campbell, Debra Randall Casillas, Jonathan Edward Neuse, Sara Teresa Alonzo, Thomas Bret Buckingham
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Patent number: 11507645Abstract: A computer-implemented method includes identifying behavioral characteristics of a user related to operation of a computing device prior to an online account session. The method includes comparing the behavioral characteristics to a behavioral profile previously developed based on prior behavioral characteristics of the user, and determining an appropriate mark difficulty level based on a variation between the behavioral characteristics and the behavioral profile. The method includes selecting, from a plurality of prompts stored in a prompt database, a prompt that comprises instructions to draw a mark having the appropriate mark difficulty level, where other prompts of the plurality of prompts comprise instructions to draw other marks different from the mark, and providing the prompt to the user as part of a logon process for the online account session.Type: GrantFiled: July 23, 2020Date of Patent: November 22, 2022Assignee: United Services Automobile Association (USAA)Inventors: Brian Christopher Hawes, Karen M. Moritz, Stephen Seyler Aultman, Joseph James Albert Campbell, Debra Randall Casillas, Jonathan Edward Neuse, Sara Teresa Alonzo, Thomas Bret Buckingham
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Patent number: 10754936Abstract: A computer-implemented method includes selecting a prompt from a plurality of prompts stored in a prompt database, wherein the prompt comprises instructions to draw a mark, and wherein other prompts of the plurality of prompts comprise instructions to draw other marks different from the mark. The method also includes the steps of providing the prompt to a user as part of a logon process for an online account session, identifying behavioral characteristics of the user while the user draws the mark, comparing the behavioral characteristics to a behavioral profile previously developed based on prior behavioral characteristics of the user, and providing access to the online account session in response to determining that a variation between the behavioral characteristics and the behavioral profile is within a threshold.Type: GrantFiled: April 18, 2018Date of Patent: August 25, 2020Assignee: United Services Automobile Associate (USAA)Inventors: Brian Christopher Hawes, Karen M. Moritz, Stephen Seyler Aultman, Joseph James Albert Campbell, Debra Randall Casillas, Jonathan Edward Neuse, Sara Teresa Alonzo, Thomas Bret Buckingham
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Patent number: 10740847Abstract: A computer system and method for processing data to make rapid decisions regarding an insurance policy. Data is received from one or more informatic sensor devices and databases relating to an insured or insured property. A decision is identified that is to be rendered regarding an insurance policy in association with the insured. Predictive analytics is performed on the received data to determine the decision to be rendered regarding the insurance policy. Notification is provided of the determined decision regarding the insurance policy.Type: GrantFiled: August 23, 2016Date of Patent: August 11, 2020Assignee: United Services Automobile Association (USAA)Inventors: Ramsey Devereaux, David S. Franck, Karen M. Moritz, Spencer E. Read, Daniela M. Wheeler, Eric Vaith, Erin E. McCaw, Christopher Maurice Norman, Jodi Jean Healy, Bharat Prasad, Kathleen L. Swain, Michael J. Allen
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Patent number: 10614525Abstract: A computer device and method for processing risk or loss related data to determine insurance underwriting, pricing, or other decisions contingent upon informatic and credit score data. An insurance underwriting decision is identified which is to be rendered regarding an insured. Informatic data is received from one or more of an insured property and vehicle associated with the insured. Credit score data relating to the insured is also received. Analytics is performed on the received informatic data and credit score data to determine the insurance underwriting, pricing, or other decision.Type: GrantFiled: November 9, 2017Date of Patent: April 7, 2020Assignee: United Services Automobile Association (USAA)Inventors: Ramsey Devereaux, David S. Franck, Karen M. Moritz, Spencer Read, Daniela Wheeler, Eric Vaith, Erin E. McCaw, Christopher Norman, Jodi J. Healy, Bharat Prasad, Kathleen L. Swain, Michael J. Allen
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Patent number: 10091180Abstract: Methods and systems for behavioral profiling, and in particular, utilizing crowd-managed data architectures to store and manage that profile, are described. In some embodiments, a method includes observing behavioral characteristics of user interactions during a current session with the user through one of a plurality of channels. Variations between the behavioral characteristics of the user interactions observed during the current session and a behavioral profile previously developed based on prior usage patterns of the user through the plurality of channels are identified, in real-time or near real-time.Type: GrantFiled: November 11, 2016Date of Patent: October 2, 2018Assignee: United Services Automobile Association (USAA)Inventors: Karen M. Moritz, Stephen Seyler Aultman, Joseph James Albert Campbell, Debra R. Casillas, Jonathan Edward Neuse, Sara Teresa Alonzo, Thomas Bret Buckingham, Gabriel Carlos Fernandez, Maland Keith Mortensen
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Patent number: 9516035Abstract: Methods and systems for behavioral profiling, and in particular, utilizing crowd-managed data architectures to store and manage that profile, are described. In some embodiments, a method includes observing behavioral characteristics of user interactions during a current session with the user through one of a plurality of channels. Variations between the behavioral characteristics of the user interactions observed during the current session and a behavioral profile previously developed based on prior usage patterns of the user through the plurality of channels are identified, in real-time or near real-time.Type: GrantFiled: September 16, 2015Date of Patent: December 6, 2016Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATIONInventors: Karen M. Moritz, Stephen Seyler Aultman, Joseph James Albert Campbell, Debra R. Casillas, Jonathan Edward Neuse, Sara Teresa Alonzo, Thomas Bret Buckingham, Gabriel Carlos Fernandez, Maland Keith Mortensen
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Patent number: 9514293Abstract: Methods and systems for behavioral profiling, and in particular, utilizing crowd-managed data architectures to store and manage that profile, are described. In some embodiments, a method includes observing behavioral characteristics of user interactions during a current session with the user through one of a plurality of channels. Variations between the behavioral characteristics of the user interactions observed during the current session and a behavioral profile previously developed based on prior usage patterns of the user through the plurality of channels are identified, in real-time or near real-time.Type: GrantFiled: October 12, 2015Date of Patent: December 6, 2016Assignee: United Services Automobile AssociationInventors: Karen M. Moritz, Stephen Seyler Aultman, Joseph James Albert Campbell, Debra R. Casillas, Jonathan Edward Neuse, Sara Teresa Alonzo, Thomas Bret Buckingham, Gabriel Carlos Fernandez, Maland Keith Mortensen, Hudson Reid Jameson, Michael Frank Morris