Patents by Inventor Michael A. Belko

Michael A. Belko 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: 12045367
    Abstract: The present disclosure is related to a system that may include a first computing device and a second computing device. The first computing device may send a request for identification data corresponding to one or more health properties associated with a user. The second computing device may receive the request for the identification data. In response to receiving the request, the second computing device may retrieve health data acquired by one or more sensors for monitoring the one or more health properties that correspond to the user and stored in a memory. The first computing device may receive the health data sent from the second computing device and authenticate an identity of the user based on the health data.
    Type: Grant
    Filed: July 30, 2021
    Date of Patent: July 23, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Wesley Allen Arnold, Michael A. Belko, Steven K. Dunlap, Sharon Kay Haverlah
  • Patent number: 8332244
    Abstract: The present disclosure describes determining a premium for a life insurance policy. One or more methods and systems include combining a determination of a mortality risk with a determination of a future lapse risk for an individual to yield the premium for the life insurance policy.
    Type: Grant
    Filed: May 10, 2011
    Date of Patent: December 11, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Matthew D. Karam, Michael A. Belko, Angela L. Fahrenthold, Regina E. Hirner, Kristin J. Kuhn, Shawn T. Loftus, Jiemin L. Math, Jeremy S. May, James G. Miranda, Christopher C. Ogburn, Richard E. Wintheiser