Patents by Inventor Randy Ray Morlen

Randy Ray Morlen 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: 11875314
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: April 13, 2020
    Date of Patent: January 16, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 11682221
    Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check; displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.
    Type: Grant
    Filed: January 28, 2021
    Date of Patent: June 20, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATES (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 11682222
    Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check: displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.
    Type: Grant
    Filed: January 28, 2021
    Date of Patent: June 20, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATES (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 11625770
    Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check; displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.
    Type: Grant
    Filed: July 2, 2018
    Date of Patent: April 11, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 11562332
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: September 19, 2017
    Date of Patent: January 24, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 11544944
    Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check; displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.
    Type: Grant
    Filed: July 10, 2019
    Date of Patent: January 3, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 11538015
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: April 15, 2022
    Date of Patent: December 27, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 11488405
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: May 11, 2020
    Date of Patent: November 1, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 11461743
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: October 18, 2019
    Date of Patent: October 4, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 11429949
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: April 14, 2022
    Date of Patent: August 30, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 11348075
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: August 20, 2021
    Date of Patent: May 31, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 11182753
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: July 8, 2019
    Date of Patent: November 23, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Barlette Huth
  • Patent number: 11023719
    Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check; displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.
    Type: Grant
    Filed: July 2, 2018
    Date of Patent: June 1, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 10949503
    Abstract: Mechanisms are disclosed herein for storing various records. Numerous keys and parties can access online repositories. These repositories contain a plurality of lockboxes, structured hierarchically and otherwise, providing public and private areas with varying levels of access. Some content of such lockboxes can be sharable. These lockboxes can be used not only to store diverse content, ranging from birth certificates to deeds and social security numbers, but they can also be accessed in a variety of ways. For example, keys to lockboxes can be made available by such events as the issuing of death certificates or birth certificates. Alternatively, keys can be issued according to various rules and heuristics stipulated by lockbox users. In either case, the plurality of lockboxes residing in repositories can be configured to provide centralized storage facilities that are secure and readily accessible from various computing devices.
    Type: Grant
    Filed: April 1, 2019
    Date of Patent: March 16, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Randy Ray Morlen, Charles Lee Oakes, III, Rickey Dale Burks
  • Patent number: 10769598
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: September 19, 2017
    Date of Patent: September 8, 2020
    Assignee: United States Automobile (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 10719815
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: September 19, 2017
    Date of Patent: July 21, 2020
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 10621559
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: April 11, 2019
    Date of Patent: April 14, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 10482432
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: May 18, 2018
    Date of Patent: November 19, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 10460295
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: November 25, 2015
    Date of Patent: October 29, 2019
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 10423939
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: May 18, 2018
    Date of Patent: September 24, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth