Patents by Inventor Randy Ray

Randy Ray 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: 10402638
    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: October 19, 2018
    Date of Patent: September 3, 2019
    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
  • Publication number: 20190249601
    Abstract: Foreign object damage (FOD) screen assemblies and gas turbine engine compartments having FOD screen assemblies are provided. FOD screen assemblies provided herein are formed of materials that reduce the overall weight of the assembly such that easier handling and repair of the FOD screen assembly may be achieved. Further, the FOD screen assemblies provided herein include features that provide for a secure attachment of one or more mesh members to frame members of the assembly. The one or more mesh members are secured to the frame members in such a way that minimal stress is placed on the mesh member at the attachment points.
    Type: Application
    Filed: February 13, 2018
    Publication date: August 15, 2019
    Inventors: John Joseph Wunsch, Randy Ray Johnson, Justin Sanjay Rao, Adam Patrick Young
  • Patent number: 10380559
    Abstract: Techniques are provided for addressing possible fraud and mistake scenarios in a system for electronically receiving check images from customers and for automatically initiating a deposit of funds into a customer account. An electronic analysis of a check may be conducted to retrieve a check identifier that may be compared against a limited number of previously deposited checks, allowing for faster real-time comparisons. The deposit may be soft-post of regardless whether it is flagged as a potential duplicate, because subsequent more thorough analysis may uncover false positives. Also, transaction and account information can be analyzed to determine if there is a possibility of a check kiting operation.
    Type: Grant
    Filed: December 9, 2015
    Date of Patent: August 13, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Gabriel Glenn Gavia, R. Bharat Prasad Nuggehalli, Frank Kyle Major, Jeffrey Neal Pollack, Carol Ann Walls, Larry Dwayne Taylor
  • 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
  • Publication number: 20180279566
    Abstract: There is provided an irrigation system with a plurality of solenoid valves. The solenoid valves each include a wireless transceiver that communicates with one another to form a mesh network. The solenoids can include sensors that gather data to be communicated over the wireless mesh network to a controller. The solenoids can also include a signal generator to activate passive sensors remote from the solenoid to collect data and transmit the data to the solenoid for communication over the wireless mesh network to a controller. The data can be related to environmental conditions or security about the irrigation system.
    Type: Application
    Filed: March 27, 2018
    Publication date: October 4, 2018
    Inventors: John James Wlassich, Randy Ray Montgomery, Chong Wang Kwak
  • 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: 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
  • Publication number: 20170370495
    Abstract: A solenoid is provided having an improved connection arrangement. The solenoid includes external wires that are coupled to internal solenoid components via terminals. Further, a sealed solenoid is provided having a housing overmolded onto a solenoid subassembly. External wires can be coupled to the solenoid after overmolding. The solenoid may also include a cavity for receiving at least one of electrical component. The solenoid may also include a powdered metal core.
    Type: Application
    Filed: June 23, 2017
    Publication date: December 28, 2017
    Inventors: Kevin James Markley, Troy Lynn Roney, John James Wlassich, Randy Ray Montgomery, Chong Wang Kwak
  • 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
  • Publication number: 20140151377
    Abstract: A drum liner (10) is disclosed which is configured to be used with a drum (11) having a side wall (14) terminating with a top edge (15), a removable lid (16) having a lip (19), and crimp ring (17). The liner has a bottom wall (24), a top rim (25), and a cylindrical side wall (26) made of flexible material. The liner side wall has an exterior surface (27) and an interior surface (28). The liner top rim has a positioning flange (29) extending to an attachment lip (30) configured to fit about the drum top edge and within the drum lid lip. The liner side wall is heat sealed to the top rim positioning flange. The bottom wall is also heat sealed to the bottom margin of the liner side wall.
    Type: Application
    Filed: December 4, 2012
    Publication date: June 5, 2014
    Applicant: GRAYLING INDUSTRIES, INC.
    Inventors: Kurt D. Ross, Randy Ray Sullinger
  • 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: 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: 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: D799554
    Type: Grant
    Filed: February 21, 2017
    Date of Patent: October 10, 2017
    Assignee: Crystal Steel House, Inc.
    Inventor: Randy Ray Peterson