Patents by Inventor Luke James Gradeless
Luke James Gradeless 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: 12082069Abstract: An electronic system provides various features and functionality for managing resources. A trigger event may be associated with a mobile device. The trigger event may be detected (e.g., based on the mobile device being within a geo-fence) and, responsive to detecting the trigger event, a resource of a plurality of resources may be determined. A stash of the resource of a plurality of stashes of the resource may be determined and the stash of the resource may be replenished based on the trigger event associated with the mobile device.Type: GrantFiled: June 28, 2022Date of Patent: September 3, 2024Assignee: United Services Automobile AssociationInventors: Wayne Hartman, Nathan Mahoney, Hoang Trung Vo, Joshua Samuel Leonard, Michal Leighton Van Cleave, Jeffrey Young, Luke James Gradeless, Brandon K. Esplin
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Publication number: 20240046320Abstract: Methods and systems for facilitating a program with participating merchants and consumers are described. In some embodiments, a method includes receiving a wish list of a user. The wish list may include items or services sold by merchants participating in the program. The wish list may be published to the merchants participating in the program. A location of the user may be determined, and an offer from one of the participating merchants may be received, where the offer is based on the location of the user. A total cost of the offer may be calculated by analyzing the offer. The user may be notified of the offer and the total cost.Type: ApplicationFiled: October 18, 2023Publication date: February 8, 2024Inventors: Marty Lee Mendivil, Rickey Dale Burks, Charles Lee Oakes, III, Michael Patrick Bueche, JR., Christopher A. Jackson, Margaret M. Tuschinski, Craig Kincaid, Luke James Gradeless, Elizabeth Jackson, Stephen Basilotto
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Patent number: 11836763Abstract: Methods and systems for facilitating a program with participating merchants and consumers are described. In some embodiments, a method includes receiving a wish list of a user. The wish list may include items or services sold by merchants participating in the program. The wish list may be published to the merchants participating in the program. A location of the user may be determined, and an offer from one of the participating merchants may be received, where the offer is based on the location of the user. A total cost of the offer may be calculated by analyzing the offer. The user may be notified of the offer and the total cost.Type: GrantFiled: July 28, 2020Date of Patent: December 5, 2023Assignee: United Services Automobile Association (USAA)Inventors: Marty Lee Mendivil, Rickey Dale Burks, Charles Lee Oakes, III, Michael Patrick Bueche, Jr., Christopher A. Jackson, Margaret M. Tuschinski, Craig Kincaid, Luke James Gradeless, Elizabeth Jackson, Stephen Basilotto
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Patent number: 11395094Abstract: An electronic system provides various features and functionality for managing resources. An alert may be sent when a mobile device crosses a geo-fence. The alert may describe how much of the resource is available for the types of transaction that are likely to occur within the geo-fence. The alert may request or confirm the allocation of the transaction to a resource pool or suggest alternative transactions.Type: GrantFiled: August 13, 2020Date of Patent: July 19, 2022Assignee: United Services Automobile Association (USAA)Inventors: Wayne Hartman, Nathan Mahoney, Hoang Trung Vo, Joshua Samuel Leonard, Michal Leighton Van Cleave, Jeffrey Young, Luke James Gradeless, Brandon K. Esplin
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Patent number: 11100512Abstract: Saving funds allows users to be prepared for emergencies and unexpected costs. In some embodiments, a text savings plan saves money by automatically identifying and transferring small amounts of money from a user's first account (e.g., checking account) to the user's second account (e.g., savings account, payee account). The text savings plan determines and transfers amounts based at least in part on the balance of the user's first account.Type: GrantFiled: May 18, 2018Date of Patent: August 24, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Christine Catsifas, Meagan Trahan, Ingeborg Burch, Jeremy Michael Grant, Sara S. Galvin, Luke James Gradeless
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Patent number: 10785594Abstract: An electronic system provides various features and functionality for managing resources. An alert may be sent when a mobile device crosses a geo-fence. The alert may describe how much of the resource is available for the types of transaction that are likely to occur within the geo-fence. The alert may request or confirm the allocation of the transaction to a resource pool or suggest alternative transactions.Type: GrantFiled: August 30, 2018Date of Patent: September 22, 2020Assignee: United Services Automobile Association (USAA)Inventors: Wayne Hartman, Nathan Mahoney, Hoang Trung Vo, Joshua Samuel Leonard, Michal Leighton Van Cleave, Jeffrey Young, Luke James Gradeless, Brandon K. Esplin
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Patent number: 10769681Abstract: Methods and systems for facilitating a program with participating merchants and consumers are described. In some embodiments, a method includes receiving a wish list of a user. The wish list may include items or services sold by merchants participating in the program. The wish list may be published to the merchants participating in the program. A location of the user may be determined, and an offer from one of the participating merchants may be received, where the offer is based on the location of the user. A total cost of the offer may be calculated by analyzing the offer. The user may be notified of the offer and the total cost.Type: GrantFiled: May 2, 2018Date of Patent: September 8, 2020Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Marty Lee Mendivil, Rickey Dale Burks, Charles Lee Oakes, III, Michael Patrick Bueche, Jr., Christopher A. Jackson, Margaret M. Tuschinski, Craig Kincaid, Luke James Gradeless, Elizabeth Jackson, Stephen Basilotto
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Publication number: 20180376282Abstract: An electronic system provides various features and functionality for managing resources. An alert may be sent when a mobile device crosses a geo-fence. The alert may describe how much of the resource is available for the types of transaction that are likely to occur within the geo-fence. The alert may request or confirm the allocation of the transaction to a resource pool or suggest alternative transactions.Type: ApplicationFiled: August 30, 2018Publication date: December 27, 2018Inventors: Wayne Hartman, Nathan Mahoney, Hoang Trung Vo, Joshua Samue Leonard, Michal Leighton Van Cleave, Jeffrey Young, Luke James Gradeless, Brandon K. Esplin
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Patent number: 10097953Abstract: An electronic system provides various features and functionality for managing resources. An alert may be sent when a mobile device crosses a geo-fence. The alert may describe how much of the resource is available for the types of transaction that are likely to occur within the geo-fence. The alert may request or confirm the allocation of the transaction to a resource pool or suggest alternative transactions.Type: GrantFiled: June 13, 2016Date of Patent: October 9, 2018Assignee: United Services Automobile Association (USAA)Inventors: Wayne Hartman, Nathan Mahoney, Hoang Trung Vo, Joshua Samuel Leonard, Michal Leighton Van Cleave, Jeffrey Young, Luke James Gradeless, Brandon K. Esplin
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Patent number: 10032193Abstract: Methods and systems for facilitating a program with participating merchants and consumers are described. In some embodiments, a method includes receiving a wish list of a user. The wish list may include items or services sold by merchants participating in the program. The wish list may be published to the merchants participating in the program. A location of the user may be determined, and an offer from one of the participating merchants may be received, where the offer is based on the location of the user. A total cost of the offer may be calculated by analyzing the offer. The user may be notified of the offer and the total cost.Type: GrantFiled: March 11, 2014Date of Patent: July 24, 2018Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Marty Lee Mendivil, Rickey Dale Burks, Charles Lee Oakes, III, Michael Patrick Bueche, Jr., Christopher A. Jackson, Margaret M. Tuschinski, Craig Kincaid, Luke James Gradeless, Elizabeth Jackson, Stephen Basilotto