Patents by Inventor Michael Wayne Lester

Michael Wayne Lester 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: 11811758
    Abstract: Current embodiments relate to proofing and authenticating digital access and/or control requests. By communicating with various service providers, automatic proofing and/or enrollment for authentication of digital access and/or control services may be provided.
    Type: Grant
    Filed: March 8, 2023
    Date of Patent: November 7, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Wayne Lester, Thomas Bret Buckingham
  • Patent number: 11625460
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for interconnecting devices. One of the methods includes authenticating, by a security platform, a user. The method includes generating, by the security platform, an authentication token for the user. The method includes receiving a selection of an IoT application by the user, the IoT application configured to control an IoT device. The method includes providing, by the security platform, the authentication token to the IoT application to authenticate the user with the selected application. The method also includes providing, by the selected application, control of the IoT device to the user.
    Type: Grant
    Filed: December 20, 2021
    Date of Patent: April 11, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Thomas Bret Buckingham, James Karras, John Shelton, Michael Wayne Lester, Bharat Prasad, James Eric McCarty, Gabriel C. Fernandez, Debra Randall Casillas, Sudarshan Rangarajan, Christopher Thomas Wilkinson
  • Patent number: 11611555
    Abstract: Current embodiments relate to proofing and authenticating digital access and/or control requests. By communicating with various service providers, automatic proofing and/or enrollment for authentication of digital access and/or control services may be provided. A confidence level may be calculated and data validation performed to ensure accuracy of the data received via the various service providers (e.g., to ensure that two data sets received from two respective service providers of the various service providers pertain to a user).
    Type: Grant
    Filed: April 1, 2022
    Date of Patent: March 21, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Wayne Lester, Thomas Bret Buckingham
  • Patent number: 11297056
    Abstract: Current embodiments relate to proofing and authenticating digital access and/or control requests. By communicating with various service providers, automatic proofing and/or enrollment for authentication of digital access and/or control services may be provided.
    Type: Grant
    Filed: August 1, 2019
    Date of Patent: April 5, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Wayne Lester, Thomas Bret Buckingham
  • Patent number: 11218478
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for interconnecting devices. One of the methods includes authenticating, by a security platform, a user. The method includes generating, by the security platform, an authentication token for the user. The method includes receiving a selection of an IoT application by the user, the IoT application configured to control an IoT device. The method includes providing, by the security platform, the authentication token to the IoT application to authenticate the user with the selected application. The method also includes providing, by the selected application, control of the IoT device to the user.
    Type: Grant
    Filed: August 13, 2019
    Date of Patent: January 4, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Thomas Bret Buckingham, James Karras, John Shelton, Michael Wayne Lester, Bharat Prasad, James Eric McCarty, Gabriel C. Fernandez, Debra Randall Casillas, Sudarshan Rangarajan, Christopher Thomas Wilkinson
  • Patent number: 10867021
    Abstract: Methods and systems for authenticating a user are described. In some embodiments, a series of voice interactions are received from a user during a voiceline session. Each of the voice interactions in the series of voice interaction may be analyzed as each of the voice interactions are received. A confidence level in a verification of an identity of the user may be determined based on the analysis of each of the voice interactions. An access level for the user may be automatically updated based on the confidence level of the verification of the identity of the user after each of the voice interactions is received.
    Type: Grant
    Filed: August 23, 2019
    Date of Patent: December 15, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: John Shelton, Michael Wayne Lester, Debra Randall Casillas, Sudarshan Rangarajan, Maland Keith Mortensen
  • Patent number: 10437975
    Abstract: Methods and systems for authenticating a user are described. In some embodiments, a series of voice interactions are received from a user during a voiceline session. Each of the voice interactions in the series of voice interaction may be analyzed as each of the voice interactions are received. A confidence level in a verification of an identity of the user may be determined based on the analysis of each of the voice interactions. An access level for the user may be automatically updated based on the confidence level of the verification of the identity of the user after each of the voice interactions is received.
    Type: Grant
    Filed: May 31, 2018
    Date of Patent: October 8, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: John Shelton, Michael Wayne Lester, Debra Randall Casillas, Sudarshan Rangarajan, Maland Keith Mortensen
  • Patent number: 10425414
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for interconnecting devices. One of the methods includes authenticating, by a security platform, a user. The method includes generating, by the security platform, an authentication token for the user. The method includes receiving a selection of an IoT application by the user, the IoT application configured to control an IoT device. The method includes providing, by the security platform, the authentication token to the IoT application to authenticate the user with the selected application. The method also includes providing, by the selected application, control of the IoT device to the user.
    Type: Grant
    Filed: August 31, 2016
    Date of Patent: September 24, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Thomas Bret Buckingham, James Karras, John Shelton, Michael Wayne Lester, Bharat Prasad, James Eric McCarty, Gabriel C. Fernandez, Debra Randall Casillas, Sudarshan Rangarajan, Christopher Thomas Wilkinson
  • Patent number: 10424303
    Abstract: Methods and systems for authenticating a user are described. In some embodiments, a one-time token and a recording of the one-time token is read aloud by the user. The voice characteristics derived from the recording of the one-time token are compared with voice characteristics derived from samples of the user's voice. The user may be authenticated when the one-time token is verified and when a match of the voice characteristics derived from the recording of the one-time token and the voice characteristics derived from the samples of the user's voice meet or exceed a threshold.
    Type: Grant
    Filed: February 13, 2018
    Date of Patent: September 24, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Wayne Lester, Debra Randall Casillas, Sudarshan Rangarajan, John Shelton, Maland Keith Mortensen
  • Patent number: 10019561
    Abstract: Methods and systems for authenticating a user are described. In some embodiments, a series of voice interactions are received from a user during a voiceline session. Each of the voice interactions in the series of voice interaction may be analyzed as each of the voice interactions are received. A confidence level in a verification of an identity of the user may be determined based on the analysis of each of the voice interactions. An access level for the user may be automatically updated based on the confidence level of the verification of the identity of the user after each of the voice interactions is received.
    Type: Grant
    Filed: September 17, 2014
    Date of Patent: July 10, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: John Shelton, Michael Wayne Lester, Debra Randall Casillas, Sudarshan Rangarajan, Maland Keith Mortensen
  • Patent number: 9928839
    Abstract: Methods and systems for authenticating a user are described. In some embodiments, a one-time token and a recording of the one-time token is read aloud by the user. The voice characteristics derived from the recording of the one-time token are compared with voice characteristics derived from samples of the user's voice. The user may be authenticated when the one-time token is verified and when a match of the voice characteristics derived from the recording of the one-time token and the voice characteristics derived from the samples of the user's voice meet or exceed a threshold.
    Type: Grant
    Filed: April 16, 2014
    Date of Patent: March 27, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Wayne Lester, Debra Randall Casillas, Sudarshan Rangarajan, John Shelton, Maland Keith Mortensen
  • Patent number: 8489476
    Abstract: Systems and methods are disclosed for managing transaction data from a plurality of financial services for a suspicious activity monitor (SAM). In one implementation, transaction data from each financial service is conformed to a standard format for publication. The publication may occur either substantially in real time as each transaction is conducted, at predefined intervals, or in periodic batches. A SAM data manager may then retrieve and process the transaction messages, including filtering non-required transactions, removing levels of hierarchy from the data, arranging the data in a predefined document structure, adding tags that may be required by the SAM tool, and creating SAM messages. The SAM data manager may thereafter forward the SAM messages to the SAM tool for analysis. In some embodiments, the SAM data manager may also send any updates of member and account data contained in the transaction messages to a central repository for such data.
    Type: Grant
    Filed: August 13, 2008
    Date of Patent: July 16, 2013
    Assignee: United States Automobile Association (USAA)
    Inventors: Michael Wayne Lester, Stephen E. Lozier
  • Patent number: 8321423
    Abstract: A method of sharing user data with a plurality of web-based financial calculators includes obtaining a user request for a selected web-based financial calculator from the plurality of web-based financial calculators and identifying at least one input data element required by the selected web-based financial calculator. The method also includes searching a relational database, storing data shared by the plurality of web-based financial calculators, for the at least one identified input data element and determining whether there are any values in the relational database for the at least one identified input data element that are associated with the user. The method further includes populating the at least one identified input data element in the selected web-based financial calculator with a value associated with the user for the at least one identified input data element and providing the selected web-based financial calculator to the user.
    Type: Grant
    Filed: December 19, 2011
    Date of Patent: November 27, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mason Eubank, Nikolay Eshkenazi, Neff Karl Hudson, Michael Wayne Lester
  • Patent number: 8103693
    Abstract: Various embodiments disclosed herein are directed to managing and sharing data between web accessed calculators. The systems include a data store to persist calculator inputs and outputs and share them with other calculators and with customer service representatives.
    Type: Grant
    Filed: February 17, 2011
    Date of Patent: January 24, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mason Eubank, Nikolay Eshkenazi, Neff Karl Hudson, Michael Wayne Lester
  • Patent number: 8078517
    Abstract: Financial transactions may be monitored for reporting requirements and regulatory compliance. A system provides for receipt of remittances, recognition of payment documents, storage of transaction information, and compliance verification by matching one or more cash equivalent transactions (CETs) made by an individual to determine if the aggregate of the transactions should be reported to meet compliance regulations. Images of the documents may be reviewed by an analyst to determine an account number and/or routing number associated with imaged document. If the information associated with the document reviewed has not been previously reviewed, it may be placed on a list of documents associated with CET transactions such that the document may be determined to be a CET in subsequent encounters with the document without human intervention.
    Type: Grant
    Filed: October 21, 2008
    Date of Patent: December 13, 2011
    Assignee: United Services Automobile Association
    Inventors: Joe Ray Martin, Michael Wayne Lester, Patrick William Walker Evans, Patrick Robert Ernst, Ronald David Young, Marie Elizabeth Hollinger, Omar Alejandro Pina
  • Patent number: 8078533
    Abstract: Financial transactions may be monitored for reporting requirements and regulatory compliance. A system provides for receipt of remittances, recognition of payment documents, storage of transaction information, and compliance verification by matching one or more cash equivalent transactions (CETs) made by an individual to determine if the aggregate of the transactions should be reported to meet compliance regulations. Images of the documents may be reviewed by an analyst to determine an account number and/or routing number associated with imaged document. If the information associated with the document reviewed has not been previously reviewed, it may be placed on a list of documents associated with CET transactions such that the document may be determined to be a CET in subsequent encounters with the document without human intervention.
    Type: Grant
    Filed: October 21, 2008
    Date of Patent: December 13, 2011
    Assignee: United Services Automobile Association
    Inventors: Joe Ray Martin, Michael Wayne Lester, Patrick William Walker Evans, Patrick Robert Ernst, Ronald David Young, Marie Elizabeth Hollinger, Omar Alejandro Pina
  • Patent number: 7917530
    Abstract: Various embodiments disclosed herein are directed to managing and sharing data between web accessed calculators. The systems include a data store to persist calculator inputs and outputs and share them with other calculators and with customer service representatives.
    Type: Grant
    Filed: March 26, 2010
    Date of Patent: March 29, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mason Eubank, Nikolay Eshkenazi, Neff Karl Hudson, Michael Wayne Lester
  • Patent number: 7716156
    Abstract: Various embodiments disclosed herein are directed to managing and sharing data between web accessed calculators. The systems include a data store to persist calculator inputs and outputs and share them with other calculators and with customer service representatives.
    Type: Grant
    Filed: July 13, 2006
    Date of Patent: May 11, 2010
    Assignee: United Services Automobile Association
    Inventors: Mason Eubank, Nikolay Eshkenazi, Neff Karl Hudson, Michael Wayne Lester