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: 10289813
    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: June 13, 2017
    Date of Patent: May 14, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Randy Ray Morlen, Charles Lee Oakes, Rickey Dale Burks
  • Patent number: 10262305
    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: April 16, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 10013605
    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 28, 2017
    Date of Patent: July 3, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Bartlette Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 10013681
    Abstract: Machine-readable storage media having instructions stored therein that, when executed by a processor of a mobile device, configure the mobile device to capture a check image for deposit and read a MICR line of the received check image. The mobile device is configured to present electronic images of the check to the user after the electronic images are captured. The mobile device may be configured to confirm that the deposit can go forward after optical character recognition (OCR) is performed on the check, the optical character recognition (OCR) determining an amount of the check, comparing the OCR determined amount to an amount indicated by the user, and reading a MICR line of the check.
    Type: Grant
    Filed: July 28, 2017
    Date of Patent: July 3, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 9710615
    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: September 27, 2007
    Date of Patent: July 18, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventors: Randy Ray Morlen, Charles Lee Oakes, III, Rickey Dale Burks
  • Patent number: 9276927
    Abstract: A security service determines whether to grant a user access to a resource. The service receives from the user a security term in an obscured form derived from a revealed form of the security term according to a predefined padding scheme known to the user and to the security service. The service applies the padding scheme to the received term to result in a de-padded security term and confirms that the de-padded security term matches the retrieved revealed security term. Additionally, the service confirms that the received term has not been previously employed within a predetermined frame of reference. Accordingly, if the received obscured security term is purloined and re-used within the predetermined frame of reference, the security service denies access to the resource.
    Type: Grant
    Filed: September 12, 2014
    Date of Patent: March 1, 2016
    Assignee: United Services Automobile Association (USAA)
    Inventors: Randy Ray Morlen, Michael Frank Morris
  • Patent number: 9224136
    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: March 20, 2014
    Date of Patent: December 29, 2015
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 8959033
    Abstract: Verification of remotely deposited checks may be conducted in a system or for electronically receiving check images from customers and automatically initiating a deposit of funds associated with such check. Verification may comprise analyzing an image to detecting a presence of signatures, e.g. a payor signature and an endorsement, on a received check image so as to validate a check. Verification may further comprise conducting “face recognition” of a received check image to verify it's authenticity and/or detecting MICR line indications that a check is no longer valid.
    Type: Grant
    Filed: March 15, 2007
    Date of Patent: February 17, 2015
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, R. Bharat Nuggehalli, Carol Ann Walls, Gabriel Glenn Gavia, Reynaldo Medina, III
  • Patent number: 8856899
    Abstract: A security service determines whether to grant a user access to a resource. The service receives from the user a security term in an obscured form derived from a revealed form of the security term according to a predefined padding scheme known to the user and to the security service. The service applies the padding scheme to the received term to result in a de-padded security term and confirms that the de-padded security term matches the retrieved revealed security term. Additionally, the service confirms that the received term has not been previously employed within a predetermined frame of reference. Accordingly, if the received obscured security term is purloined and re-used within the predetermined frame of reference, the security service denies access to the resource.
    Type: Grant
    Filed: June 20, 2008
    Date of Patent: October 7, 2014
    Assignee: United Services Automobile Association (USAA)
    Inventors: Randy Ray Morlen, Michael Frank Morris
  • Patent number: 8732081
    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: February 12, 2013
    Date of Patent: May 20, 2014
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 8719838
    Abstract: Interaction with a web site may be driven by a script. The script may be generated through automated analysis of a web site. A web site may be analyzed by evaluating labels associated with data entry fields, links, and/or other elements of the pages that make up the web site. Moreover, a web site may be analyzed by co-browsing the web site along with a human, and observing the actions that a human takes to operate the web site. The scripts that are generated may be used to perform a transaction at a web site on behalf of a principal, to gather information from a web site, or to perform any other type of action.
    Type: Grant
    Filed: May 28, 2008
    Date of Patent: May 6, 2014
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Teddy Joseph Edmond Voutour, Rickey D. Burks
  • Patent number: 8712801
    Abstract: Various mechanisms are provided herein for automated institutional processing of payments. For example, fund can be transferred from one party to another party by transfer of funds from a static account into a dynamically created transaction account. Such a transfer can have additional features, including the refunding of the transfer funds and revocation thereof. According to another example, insurance claims can be automatically processed by transferring funds when claims are filed (with or without evidentiary documents). Such transfers can then be validated afterwards. Thus, when claims are received, they can be quickly examined for the relevant fields, such as claim amount, and then the amount can be disbursed in a matter of minutes after receiving a claim submission. Such disbursement, moreover, can be governed according to various heuristics, including the trustworthiness of claimants and rules regarding maximum disbursement amounts.
    Type: Grant
    Filed: July 24, 2007
    Date of Patent: April 29, 2014
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Rickey Dale Burks, Randy Ray Morlen
  • Patent number: 8708227
    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 31, 2006
    Date of Patent: April 29, 2014
    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, R. Bharat Prasad Nuggehalli, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 8577805
    Abstract: Mechanisms for virtual banking are disclosed herein that provide experiences to users as if they were actually interacting with a branch office bank. For instance, virtual lockboxes are provided to users, and users can fill these lockboxes with the type of digital data that would traditionally be placed in a branch office bank lockbox. Birth certificates, social security numbers, wills, etc., can be uploaded from a user's remote computing device to a server associated with a bank. In another aspect, currency cards are disclosed that mimic cash withdrawal (or deposit) transactions users might engage in at typical branch offices. For example, users can download money from a bank server onto a currency card located at some remote location (or, alternatively, upload money from the card to the server, which would amount to a deposit being made to the bank).
    Type: Grant
    Filed: July 23, 2007
    Date of Patent: November 5, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Rickey Dale Burks, Randy Ray Morlen
  • Patent number: 8448177
    Abstract: Systems, methods and computer readable media can include prioritizing tasks associated with a group of users based on number of times the users have monitored the status of a task. In addition to the general system, systems, methods and computer readable media for task prioritizing, the tasks may be prioritized based on the number of users associated with a task, the importance of each user associated with a task, and the way the task was identified.
    Type: Grant
    Filed: April 10, 2008
    Date of Patent: May 21, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventor: Randy Ray Morlen
  • Patent number: 8392332
    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: December 8, 2010
    Date of Patent: March 5, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, R. Bharat Prasad Nuggehalli, Troy Bartlette Huth
  • Patent number: 8351677
    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 31, 2006
    Date of Patent: January 8, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, R. Bharat Prasad Nuggehalli, Greg Alan Harpel, Michael Frank Morris
  • Patent number: 8320657
    Abstract: To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user's account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: November 27, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Rickey Dale Burks, Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Michael Frank Morris, Xia Hua
  • Patent number: 8290237
    Abstract: To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user's account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: October 16, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Rickey Dale Burks, Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Michael Frank Morris, Xia Hua
  • Patent number: 7876949
    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 31, 2006
    Date of Patent: January 25, 2011
    Assignee: United Services Automobile Association
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, R. Bharat Prasad Nuggehalli, Greg Alan Harpel, Michael Frank Morris