Patents by Inventor Nathan J. Rowe

Nathan J. Rowe 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: 11704730
    Abstract: A system may include a processor that may receive account information having a plurality of transactions associated with a bank account. The processor may then determine an expected burn rate of funds based on the account information, determine an expected savings balance at a first time based on the account information and the expected burn rate, generate an event in response to the expected savings balance being below a threshold, and send an alert including the event to a computing device associated with the user. The alert may indicate a status of the expected savings balance via an electronic display of the computing device.
    Type: Grant
    Filed: December 2, 2021
    Date of Patent: July 18, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Nathan J. Rowe, Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Joseph Wall, Richard R. Rohrbough
  • Patent number: 11232516
    Abstract: A system may include a processor that may receive account information having a plurality of transactions associated with a bank account. The processor may then determine an expected burn rate of funds based on the account information, determine an expected savings balance at a first time based on the account information and the expected burn rate, generate an event in response to the expected savings balance being below a threshold, and send an alert including the event to a computing device associated with the user. The alert may indicate a status of the expected savings balance via an electronic display of the computing device.
    Type: Grant
    Filed: February 22, 2018
    Date of Patent: January 25, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Nathan J. Rowe, Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Joseph Wall, Richard R. Rohrbough
  • Patent number: 11172162
    Abstract: Methods and systems described in this disclosure describe an integration of video sessions across platforms, transforming the user experience. In some embodiments, a user can participate in an interaction via a channel. Next, the system can determine whether the interaction is eligible for a video session with a representative. When the interaction is eligible for the video session, an option for the video session can be displayed on a user interface of the device. After receiving a request for the video session, the video session can be routed to a uniquely skilled representative, where the uniquely skilled representative is determined based, at least in part, on the interaction.
    Type: Grant
    Filed: November 18, 2020
    Date of Patent: November 9, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Enrique A. Tamayo, Nicole Calderon, Wesley Purcell, Luis Mireles, Felisa Flores, Vijay Jayapalan, Jeffrey William Gallagher, Minya Liang, Nathan J. Rowe, David W. Gaither, Elizabeth Guerrero
  • Patent number: 10880518
    Abstract: Methods and systems described in this disclosure describe an integration of video sessions across platforms, transforming the user experience. In some embodiments, a user can participate in an interaction via a channel. Next, the system can determine whether the interaction is eligible for a video session with a representative. When the interaction is eligible for the video session, an option for the video session can be displayed on a user interface of the device. After receiving a request for the video session, the video session can be routed to a uniquely skilled representative, where the uniquely skilled representative is determined based, at least in part, on the interaction.
    Type: Grant
    Filed: August 21, 2019
    Date of Patent: December 29, 2020
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Enrique A. Tamayo, Nicole Calderon, Wesley Purcell, Luis Mireles, Felisa Flores, Vijay Jayapalan, Jeffrey William Gallagher, Minya Liang, Nathan J. Rowe, David W. Gaither, Elizabeth Guerrero
  • Patent number: 10432892
    Abstract: Methods and systems described in this disclosure describe an integration of video sessions across platforms, transforming the user experience. In some embodiments, a user can participate in an interaction via a channel. Next, the system can determine whether the interaction is eligible for a video session with a representative. When the interaction is elgible for the video session, an option for the video session can be displayed on a user interface of the device. After receiving a request for the video session, the video session can be routed to a uniquly skilled representative, where the uniquely skilled representative is determined based, at least in part, on the interaction and a location of the device.
    Type: Grant
    Filed: January 25, 2017
    Date of Patent: October 1, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Enrique A. Tamayo, Nicole Calderon, Wesley Purcell, Luis Mireles, Felisa Flores, Vijay Jayapalan, Jeffrey William Gallagher, Minya Liang, Nathan J. Rowe, David W. Gaither, Elizabeth Guerrero
  • Patent number: D829729
    Type: Grant
    Filed: September 29, 2016
    Date of Patent: October 2, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Richard R. Rohrbough, Paul LaFleur, Emily Eaton, Joseph Wall, Nathan J. Rowe, Gualberto Camacho, Melisa Izaguirre
  • Patent number: D831035
    Type: Grant
    Filed: December 14, 2016
    Date of Patent: October 16, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Richard R. Rohrbough, Paul LaFleur, Emily Eaton, Joseph Wall, Nathan J. Rowe, Gualberto Camacho, Melisa Izaguirre
  • Patent number: D835140
    Type: Grant
    Filed: September 29, 2016
    Date of Patent: December 4, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Richard R. Rohrbough, Paul LaFleur, Emily Eaton, Joseph Wall, Nathan J. Rowe, Gualberto Camacho, Melisa Izaguirre
  • Patent number: D838278
    Type: Grant
    Filed: September 29, 2016
    Date of Patent: January 15, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Richard R. Rohrbough, Paul LaFleur, Emily Eaton, Joseph Wall, Nathan J. Rowe, Gualberto Camacho, Melisa Izaguirre
  • Patent number: D838291
    Type: Grant
    Filed: September 29, 2016
    Date of Patent: January 15, 2019
    Assignee: United Services Automobile Association
    Inventors: Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Richard R. Rohrbough, Paul LaFleur, Emily Eaton, Joseph Wall, Nathan J. Rowe, Gualberto Camacho, Melisa Izaguirre
  • Patent number: D900125
    Type: Grant
    Filed: December 5, 2018
    Date of Patent: October 27, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Richard R. Rohrbough, Paul LaFleur, Emily Eaton, Joseph Wall, Nathan J. Rowe, Gualberto Camacho, Melisa Izaguirre
  • Patent number: D916722
    Type: Grant
    Filed: August 29, 2018
    Date of Patent: April 20, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Richard R. Rohrbough, Paul LaFleur, Emily Eaton, Joseph Wall, Nathan J. Rowe, Gualberto Camacho, Melisa Izaguirre
  • Patent number: D916912
    Type: Grant
    Filed: December 5, 2018
    Date of Patent: April 20, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Richard R. Rohrbough, Paul LaFleur, Emily Eaton, Joseph Wall, Nathan J. Rowe, Gualberto Camacho, Melisa Izaguirre
  • Patent number: D974409
    Type: Grant
    Filed: December 16, 2020
    Date of Patent: January 3, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Richard R. Rohrbough, Paul LaFleur, Emily Eaton, Joseph Wall, Nathan J. Rowe, Gualberto Camacho, Melisa Izaguirre
  • Patent number: D1014541
    Type: Grant
    Filed: December 27, 2022
    Date of Patent: February 13, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Richard R. Rohrbough, Paul LaFleur, Emily Eaton, Joseph Wall, Nathan J. Rowe, Gualberto Camacho, Melisa Izaguirre