Patents by Inventor Quentin Smith
Quentin Smith 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).
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Systems and methods for providing a marketplace of goods subject to distressed financial obligations
Patent number: 8751351Abstract: Systems and methods for a financial institution to compile information regarding customer loans and items/assets securing the loans to create an environment in which troubled debtors may place an asset into a pool of assets for resale/exchange and to be released of obligations to repay the loan associated with the asset. In some implementations, a customer may replace the asset with another asset in the pool, where the replacement asset imposes a reduced (or no) obligation on the debtor. The pool of assets may include real estate, automobiles, major electronics, major appliances, artwork, etc. In some implementations, the financial services provider may be able to place an asset into the pool of goods before it becomes damaged, destroyed or goes missing by modeling customer behavior and anticipating a pending default on a loan.Type: GrantFiled: June 11, 2009Date of Patent: June 10, 2014Assignee: United Services Automobile Association (USAA)Inventors: Arthur Quentin Smith, Bradly Jay Billman -
Patent number: 8706589Abstract: A method for protecting against a loss in market value of real property includes providing a computer having a computer processor and modeling, using the computer processor, events to determine an expected future market value for the real property. The method also includes defining a premium amount for a policy to protect against a loss defined by a difference between a market value of the real property at a predetermined time and the expected future market value and determining, using the computer processor, the market value of the real property at the predetermined time. The method further includes determining, using the computer processor, that the loss has occurred and thereafter, covering the loss.Type: GrantFiled: January 5, 2011Date of Patent: April 22, 2014Assignee: United Services Automobile Association (USAA)Inventors: Arthur Quentin Smith, Bradly Jay Billman
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Patent number: 8650048Abstract: A method of providing an insurance policy for a home includes providing a computer having a processor and deploying a plurality of sensors in a vicinity of the home. The method also includes receiving data from the plurality of sensors. The data includes information related to environmental factors associated with the home. The method further includes transmitting the information related to the environmental factors to the computer, computing, by the processor, a fire risk associated with the home using the information, and computing, by the processor, an insurance premium for the insurance policy using the computed fire risk.Type: GrantFiled: April 28, 2010Date of Patent: February 11, 2014Assignee: United Services Automobile Association (USAA)Inventors: John C. Hopkins, III, Arthur Quentin Smith
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Patent number: 8489432Abstract: Insurance customers may establish and contribute to a self-insurance account. The insured may set aside an amount each policy period that is deposited to the self-insurance account. The value of the self-insurance account may further grow in value with earnings via common investment vehicles. The deposits and investment growth may continue until the account reaches maturity (self-insurance status). From that point forward customers can forego paying insurance premiums. The self-insurance account is accessible to the insured as a financial asset, and may be provided to the insured upon termination of the self-insurance account.Type: GrantFiled: October 26, 2007Date of Patent: July 16, 2013Assignee: United Services Automobile AssociationInventor: Arthur Quentin Smith
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Patent number: 8458093Abstract: After a charge has been made with a credit card, the charge may be analyzed to determine if it may be transferred to a line of credit. The credit card may be monitored for purchases that match rules or criteria set by a user and/or an institution system. If the transaction meets the rules and/or criteria, the charge on the credit card may be paid with funds from the line of credit. In an implementation, instead of the user waiting for the credit card bill and then paying the amount of the charge on the bill from the line of credit, the institution system automatically performs the transfer for the user (e.g., pays the charge on the credit card with funds from the line of credit).Type: GrantFiled: June 19, 2009Date of Patent: June 4, 2013Assignee: United Services Automobile Association (USAA)Inventor: Arthur Quentin Smith
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Patent number: 8370876Abstract: Cable and satellite television systems, televisions, and universal remotes are used to provide interactive financial self-services to users. The cable or satellite system provides a connection between a user and a financial services company. A television or other display device connects to the cable or satellite system and displays content from the financial services company to a user. The user may enter data and navigate through the content via a back channel using a universal remote or other input device. The user may thus complete the content, such as completing a loan application, opening a bank account, or purchasing insurance. The user may provide authentication information to receive personalized content.Type: GrantFiled: August 27, 2007Date of Patent: February 5, 2013Assignee: United Services Automobile Association (USAA)Inventor: Arthur Quentin Smith
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Patent number: 8359639Abstract: A user at a computing device interacts with a networked site so that the user can log in thereto. The site receives a selection to log in and in response downloads at least one replacing driver for bypassing a corresponding driver operating on the computing device that may possibly copy log-in data including authentication credentials as entered by the user. Each replacing driver is loaded into an operating system of the computing device so as to bypass the corresponding possibly copying driver and be employed in the operating system rather than such corresponding bypassed driver. The site then delivers a log-in screen to a presentation application of the computing device after each replacing driver has been loaded. The presentation application displays the log-in screen and the user enters the log-in data thereinto. Accordingly, each non-trusted and bypassed driver is unable to copy the entered log-in data.Type: GrantFiled: December 2, 2011Date of Patent: January 22, 2013Assignee: United States Automobile Association (USAA)Inventors: Arthur Quentin Smith, Ronnie Allen Eichler
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Publication number: 20120290907Abstract: The present invention relates to a system and method for creating a Datapod™ that includes the synchronized association of media and data objects. One embodiment of the present invention involves creating a Datapod™ by acquiring a media object, annotating the media object with a data object, and associating the media object with the data object to form an ordered or synchronized relationship between the media object and data object which implicitly defines a visual/auditory or similar experiential connection. The present invention also provides its functionality with an easy to use user interface that enables the user to readily create the synchronous association and to share the resulting Datapod™ with the intended audience.Type: ApplicationFiled: July 19, 2012Publication date: November 15, 2012Applicant: JIGSAW INFORMATICS, INC.Inventors: Ross Quentin Smith, Miriam Barbara Sedman, Joan Lorraine Wood
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Publication number: 20120284426Abstract: The present invention relates to a system and method for playing a datapod that consists of synchronized, associated media and data, which will often be constructed on a mobile device such as a smart phone or tablet or other computing or embedded device such as a camera. One embodiment of the present invention involves playing a datapod by receiving a datapod, unpacking the datapod into a synchronously associated media object and data object, and playing the datapod such that the synchronous association between the media object and the data object are maintained and the playing of the media object and data object is synchronized. The present invention provides its functionality with an easy to use user interface that enables the user to readily play the datapod.Type: ApplicationFiled: July 19, 2012Publication date: November 8, 2012Applicant: JIGSAW INFORMATICS, INC.Inventors: Ross Quentin Smith, Miriam Barbara Sedman, Joan Lorraine Wood
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Patent number: 8224707Abstract: A social network for shopping may be provided in which a user may provide a listing of an item they would like and the identity of a seller the item may be retrieved from. Another user may agree to pick up the item from the seller and deliver the item, perhaps for a small fee. The listing of the item may be posted on a website, sent to other users by a web feed such as RSS, sent by a text message, instant message, email, or communicated in any other manner to one or more users, etc. Alternatively, a user may post the identity of a seller that they are going to and ask if any users would like any items picked up from the seller and delivered to them, perhaps for a small fee.Type: GrantFiled: August 20, 2008Date of Patent: July 17, 2012Assignee: United Services Automobile AssociationInventors: Arthur Quentin Smith, Bharat Prasad, Bradly Jay Billman, Charles L. Oakes, III, Reynaldo Medina, III
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Patent number: 8074263Abstract: A user at a computing device interacts with a networked site so that the user can log in thereto. The site receives a selection to log in and in response downloads at least one replacing driver for bypassing a corresponding driver operating on the computing device that may possibly copy log-in data including authentication credentials as entered by the user. Each replacing driver is loaded into an operating system of the computing device so as to bypass the corresponding possibly copying driver and be employed in the operating system rather than such corresponding bypassed driver. The site then delivers a log-in screen to a presentation application of the computing device after each replacing driver has been loaded. The presentation application displays the log-in screen and the user enters the log-in data thereinto. Accordingly, each non-trusted and bypassed driver is unable to copy the entered log-in data.Type: GrantFiled: June 30, 2008Date of Patent: December 6, 2011Assignee: United Services Automobile AssociationInventors: Arthur Quentin Smith, Ronnie Allen Eichler
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Patent number: 8073715Abstract: Systems and methods for providing enhanced service using public records are described. A financial institution may obtain property data from public records regarding a property associated with a customer. The retrieved property data may be compared with existing customer data. The customer may be alerted and financial data associated with the customer may be modified based on the retrieved property data. Other embodiments may be described and claimed.Type: GrantFiled: April 26, 2007Date of Patent: December 6, 2011Assignee: United Services Automobile Association (USAA)Inventor: Arthur Quentin Smith
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Patent number: 8065695Abstract: A user at a computing device interacts with a networked site so that the user can log in thereto. The site receives a selection to log in and in response downloads at least one replacing driver for bypassing a corresponding driver operating on the computing device that may possibly copy log-in data including authentication credentials as entered by the user. Each replacing driver is loaded into an operating system of the computing device so as to bypass the corresponding possibly copying driver and be employed in the operating system rather than such corresponding bypassed driver. The site then delivers a log-in screen to a presentation application of the computing device after each replacing driver has been loaded. The presentation application displays the log-in screen and the user enters the log-in data thereinto. Accordingly, each non-trusted and bypassed driver is unable to copy the entered log-in data.Type: GrantFiled: October 20, 2008Date of Patent: November 22, 2011Assignee: United Services Automobile AssociationInventors: Arthur Quentin Smith, Ronnie Allen Eichler
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Patent number: 8046301Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.Type: GrantFiled: October 30, 2007Date of Patent: October 25, 2011Assignee: United Services Automobile Association (USAA)Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
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Patent number: 8001051Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.Type: GrantFiled: October 30, 2007Date of Patent: August 16, 2011Assignee: United Services Automobile Association (USAA)Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
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Patent number: 7996314Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.Type: GrantFiled: October 30, 2007Date of Patent: August 9, 2011Assignee: United Services Automobile Association (USAA)Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
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Patent number: 7996315Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.Type: GrantFiled: October 30, 2007Date of Patent: August 9, 2011Assignee: United Services Automobile Association (USAA)Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
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Patent number: 7996316Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.Type: GrantFiled: October 30, 2007Date of Patent: August 9, 2011Assignee: United Services Automobile AssociationInventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
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Patent number: D715361Type: GrantFiled: October 31, 2013Date of Patent: October 14, 2014Assignee: Valve CorporationInventors: Louis Barinaga, Gregory Coomer, Claire Gottschalk, Eric Hope, Quentin Smith
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Patent number: D717874Type: GrantFiled: October 31, 2013Date of Patent: November 18, 2014Assignee: Valve CorporationInventors: Louis Barinaga, Gregory Coomer, Claire Gottschalk, Eric Hope, Quentin Smith