Patents by Inventor Patrick Lugo

Patrick Lugo 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).

  • Systems and methods for account ownership verification
    Patent number: 12008571
    Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.
    Type: Grant
    Filed: May 2, 2023
    Date of Patent: June 11, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jeffrey Walton Easley, Melanie Lynn Thompson, Brian Hurtak, Patrick Lugo
  • Method of manufacture and pasteurization of products containing undenatured collagen
    Patent number: 11793217
    Abstract: The present invention provides a method of heat treating undenatured collagen to reduce microbial load comprising the subjection of said collagen to a temperature of at least 40° C. for a time of at least 2 seconds in a manner sufficient to reduce microbial content without denaturing more than 20% of the collagen protein.
    Type: Grant
    Filed: October 3, 2017
    Date of Patent: October 24, 2023
    Assignee: LONZA GREENWOOD LLC
    Inventors: James Patrick Lugo, Zainulabedin Mohamedali Saiyed
  • METHOD OF MANUFACTURE AND PASTEURIZATION OF PRODUCTS CONTAINING UNDENATURED COLLAGEN
    Publication number: 20230270138
    Abstract: The present invention provides a method of heat treating undenatured collagen to reduce microbial load comprising the subjection of said collagen to a temperature of at least 40° C. for a time of at least 2 seconds in a manner sufficient to reduce microbial content without denaturing more than 20% of the collagen protein.
    Type: Application
    Filed: May 8, 2023
    Publication date: August 31, 2023
    Inventors: James Patrick Lugo, Zainulabedin Mohamedali Saiyed
  • Systems and methods for account ownership verification
    Patent number: 11676147
    Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.
    Type: Grant
    Filed: March 17, 2021
    Date of Patent: June 13, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Jeffrey Walton Easley, Melanie Lynn Thompson, Brian Hurtak, Patrick Lugo
  • Systems and methods for account ownership verification
    Patent number: 10990976
    Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.
    Type: Grant
    Filed: December 20, 2017
    Date of Patent: April 27, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Jeffrey Walton Easley, Melanie Lynn Thompson, Brian Hurtak, Patrick Lugo