Patents by Inventor Michael Albert Luby

Michael Albert Luby 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).

  • Methods and systems for electronic transfer of financial accounts between financial institutions
    Patent number: 8121947
    Abstract: A method of transferring a financial account from an existing financial institution to a new financial institution includes receiving a customer request for financial account transfer, determining information regarding the existing financial institution using information stored at the new financial institution, receiving, via an aggregation tool, information regarding the financial account, determining financial obligations associated with the financial account using the received information, and populating a database of the new financial institution to reflect the determined financial obligations.
    Type: Grant
    Filed: October 10, 2006
    Date of Patent: February 21, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ryan Ray Barth, Jeffrey Walton Easley, Teddy Joseph Edmond Voutour, Michael Albert Luby