Patents by Inventor Reynaldo Medina, III

Reynaldo Medina, III 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: 10268910
    Abstract: Techniques are described for authenticating a user to access information through an application executing on a computing device. Multiple authentication methods may be used in combination to authenticate the user with greater confidence than authentication provided by a single method, and to verify that the user is a live person and not an image or video. Facial recognition may be used in conjunction with heartbeat detection, via video analysis, to verify the user's identity and confirm that the user is live. Facial recognition may include capturing an image of the user's face and comparing certain points on the face with previously gathered information regarding the user. Heartbeat detection may include capturing a video segment of the user, stabilizing the captured video data, applying motion magnification techniques to the stabilized video data, and analyzing the stabilized, magnified video data to determine a presence of the user's heartbeat.
    Type: Grant
    Filed: March 13, 2018
    Date of Patent: April 23, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Reynaldo Medina, III, Carlos Chavez, Nandhini Sridaran, Russell Colwell, Yuesheng Liu, Storme Shelton Briscoe
  • Patent number: 10229409
    Abstract: A system, method, and computer-usable medium are disclosed for managing financial transactions by controlling the purchase of allowed and disallowed purchase items. A transaction control card is used to purchase a purchase item. Account information related to the transaction control card and purchase item data related to the purchase item is then processed to determine whether the purchase item is disallowed for purchase by any single, or combination of, disallowed purchase item data parameters.
    Type: Grant
    Filed: September 14, 2015
    Date of Patent: March 12, 2019
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Reynaldo Medina, III, Arthur Q. Smith, John C. Hopkins, Bradly J. Billman, Teddy Voutour
  • Patent number: 10210522
    Abstract: Techniques for detecting counterfeit checks include using sensors to determine correspondence between a portion of sensed check information and related information; analyzing behavior related to accounts to a check deposit transaction; and controlling check depositing through user interface controls or communication. These techniques can be employed individually or in combination.
    Type: Grant
    Filed: September 18, 2017
    Date of Patent: February 19, 2019
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Reynaldo Medina, III, Nandhini Sridaran, Mario Gutierrez, Robert G. Wood, Adam Newman, William Barfield
  • Patent number: 10169598
    Abstract: Systems and methods are provided for sending and receiving encrypted submessages. Messages could be partitioned into a plurality of submessages based on the content of a message, and such submessages could be individually encrypted and sent over a network. The partitioning could be based on various standards and/or heuristics. In the sending process, submessages could be designated to travel over different networks and networks of different types. Such submessages could then be received and reassembled in spite containing overlapping content with respect to each other, having to contend with copies of submessages, and having accompanying related content (e.g., advertisements) and non-related content (e.g., random bits). Moreover, the sending process could also be performed in real time or in a batched manner, depending on the implementation.
    Type: Grant
    Filed: April 10, 2008
    Date of Patent: January 1, 2019
    Assignee: United Services Automobile Association
    Inventors: Reynaldo Medina, III, Arthur Quentin Smith
  • Patent number: 10163167
    Abstract: Intelligent micro devices on a vehicle can be scanned or read using a reading device. A map or data indicative of the micro devices on the vehicle can be generated by scanning the vehicle. The data or map may be used to determine loss or transfer of one or more micro devices on the vehicle. An accident associated with the vehicle can be determined based on loss or transfer of one or more the micro devices. The micro devices can store data associated with the vehicle, including an identity of the vehicle and a history of the vehicle. The micro devices can be read to determine the identity of the vehicle or another vehicle involved in the accident.
    Type: Grant
    Filed: October 19, 2017
    Date of Patent: December 25, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Reynaldo Medina, III, Michael P. Bueche, Jr.
  • Patent number: 10121213
    Abstract: Disclosed herein are a method, system, and computer-readable storage medium with instructions for recommending locations to a user. Preferred criteria may be selected by the user, for example, or a third party, and provide objective or subjective information that the user is seeking in a location. Embodiments may include compiling objective information with the location and comparing the objective information to preferred criteria. A user's profile may be compared to another person's profile, where the other person's profile is associated to the location. A location may be recommended to the user if the objective information correlates to the preferred criteria and if the other person's profile correlates to the user's profile. Subjective information associated with the location may be provided to the user along with the recommended location. Furthermore, a location may be recommended to the user if the subjective information correlates to the preferred criteria.
    Type: Grant
    Filed: March 15, 2017
    Date of Patent: November 6, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Charles Lee Oakes, III, Reynaldo Medina, III, Michael Patrick Bueche, Jr.
  • Patent number: 10062129
    Abstract: Disclosed herein are a method, system, and computer-readable storage medium comprising instructions for notifying a user of available realty in proximity to the user's approximate current location. In an embodiment, a triggering location region is defined based on the user's approximate current location. The triggering location region includes a second location that is associated with another person's profile that correlates with the user's profile. An alert is automatically provided to the user if available realty is within the defined triggering location region. In another embodiment, if available realty within the triggering location region meets the user's preferred criteria, information about the available realty may be automatically provided to the user.
    Type: Grant
    Filed: October 6, 2017
    Date of Patent: August 28, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Charles Lee Oakes, III, Reynaldo Medina, III, Michael Patrick Beuche, Jr.
  • Patent number: 9972020
    Abstract: Systems, methods and computer readable media are disclosed for providing targeted offers to a user who has a pre-existing account with the offeror based on information of the account and the user's web browsing information. In addition to the general system, systems, methods and computer readable media for such targeted offers, the targeted offer provider may comprise a combination of a web browser toolbar and a computing system linked across a communications network, the networking equipment of an internet service provider, and a proxy computing device.
    Type: Grant
    Filed: April 11, 2008
    Date of Patent: May 15, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ronnie Allen Eichler, Bradly Jay Billman, Reynaldo Medina, III
  • Patent number: 9953383
    Abstract: Disclosed herein are a method, system, and computer-readable storage medium with instructions for recommending locations to a user. Preferred criteria may be selected by the user, for example, or a third party, and provide objective or subjective information that the user is seeking in a location. Embodiments may include compiling objective information with the location and comparing the objective information to preferred criteria. A user's profile may be compared to another person's profile, where the other person's profile is associated to the location. A location may be recommended to the user if the objective information correlates to the preferred criteria and if the other person's profile correlates to the user's profile. Subjective information associated with the location may be provided to the user along with the recommended location. Furthermore, a location may be recommended to the user if the subjective information correlates to the preferred criteria.
    Type: Grant
    Filed: March 15, 2017
    Date of Patent: April 24, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Charles Lee Oakes, III, Reynaldo Medina, III, Michael Patrick Bueche, Jr.
  • Patent number: 9953231
    Abstract: Techniques are described for authenticating a user to access information through an application executing on a computing device. Multiple authentication methods may be used in combination to authenticate the user with greater confidence than authentication provided by a single method, and to verify that the user is a live person and not an image or video. Facial recognition may be used in conjunction with heartbeat detection, via video analysis, to verify the user's identity and confirm that the user is live. Facial recognition may include capturing an image of the user's face and comparing certain points on the face with previously gathered information regarding the user. Heartbeat detection may include capturing a video segment of the user, stabilizing the captured video data, applying motion magnification techniques to the stabilized video data, and analyzing the stabilized, magnified video data to determine a presence of the user's heartbeat.
    Type: Grant
    Filed: November 17, 2016
    Date of Patent: April 24, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Reynaldo Medina, III, Carlos Chavez, Nandhini Sridaran, Russell Colwell, Yuesheng Liu, Storme Shelton Briscoe
  • Patent number: 9898808
    Abstract: A method is described to increase the efficiency of the removal of defects from document images by reorienting the conceptual framework within which an image is filtered. Rather than arbitrarily applying a filter to an entire landscape of a document image, the disclosure describes a methodology by which a document image is separated into regions of darkness and regions of light, or viewed alternatively, regions of darkness and regions of lack of darkness. Filtering is then adaptively applied to each region to remove defects.
    Type: Grant
    Filed: April 10, 2017
    Date of Patent: February 20, 2018
    Assignee: United Services Automobile Assocation (USAA)
    Inventors: Reynaldo Medina, III, Bharat Prasad
  • Patent number: 9875449
    Abstract: A system comprises one or more modules to access a business rule, deconstruct the business rule into a condition and an associated action, determine a set of questions relevant to the condition, place the set of questions into a question queue, order the question queue, and present the question queue to a user. A system comprises one or more modules to determine a subject of the request received from a user, use the subject to obtain a set of relevant questions, examiner each question and determine whether an answer to a current question is available in a storage area, and present the current question when the answer is not available. A system comprises one or more modules to access a decision tree, determine a current node, determine an estimated number of nodes between the current node and a leaf node, and present a representation using the estimated number of nodes.
    Type: Grant
    Filed: April 9, 2014
    Date of Patent: January 23, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventor: Reynaldo Medina, III
  • Patent number: 9811867
    Abstract: Disclosed herein are a method, system, and computer-readable storage medium comprising instructions for notifying a user of available realty in proximity to the user's approximate current location. In an embodiment, a triggering location region is defined based on the user's approximate current location. The triggering location region includes a second location that is associated with another person's profile that correlates with the user's profile. An alert is automatically provided to the user if available realty is within the defined triggering location region. In another embodiment, if available realty within the triggering location region meets the user's preferred criteria, information about the available realty may be automatically provided to the user.
    Type: Grant
    Filed: November 4, 2016
    Date of Patent: November 7, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Charles Lee Oakes, III, Reynaldo Medina, III, Michael Patrick Bueche
  • Patent number: 9799076
    Abstract: A system, method, and computer-usable medium are disclosed for providing information relating to damage incurred by a vehicle in an accident. A first plurality of markers with a first set of identifiers is embedded in a coating applied to a component of a first vehicle and a second plurality of markers with a second set of identifiers is embedded in a coating applied to a component of a second vehicle. Markers from the first vehicle are transferred to the second vehicle upon impact during an accident. The transferred markers are read by a marker reader and then processed to determine the identity of the first vehicle.
    Type: Grant
    Filed: January 16, 2015
    Date of Patent: October 24, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventors: Reynaldo Medina, III, Michael P. Bueche, Jr.
  • Patent number: 9727920
    Abstract: A system and method for providing routing based insurance using a telematics route tracking device to receive data relating to traversal of a user route. The received telematics data is processed to determine risk related to the route, related external factors, and user driving behavior. An insurance policy pricing module is utilized to generate insurance policy price data to modify pricing effects.
    Type: Grant
    Filed: July 8, 2013
    Date of Patent: August 8, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jodi Jean Healy, Keith Rodgers, Rod Gonzales, Robert Kenneth Dohner, Christine Marie Brown, Reynaldo Medina, III
  • Patent number: 9619872
    Abstract: A method is described to increase the efficiency of the removal of defects from document images by reorienting the conceptual framework within which an image is filtered. Rather than arbitrarily applying a filter to an entire landscape of a document image, the disclosure describes a methodology by which a document image is separated into regions of darkness and regions of light, or viewed alternatively, regions of darkness and regions of lack of darkness. Filtering is then adaptively applied to each region to remove defects.
    Type: Grant
    Filed: July 19, 2016
    Date of Patent: April 11, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventors: Reynaldo Medina, III, Bharat Prasad
  • Patent number: 9619569
    Abstract: Disclosed herein are a method, system, and computer-readable storage medium with instructions for recommending locations to a user. Preferred criteria may be selected by the user, for example, or a third party, and provide objective or subjective information that the user is seeking in a location. Embodiments may include compiling objective information with the location and comparing the objective information to preferred criteria. A user's profile may be compared to another person's profile, where the other person's profile is associated to the location. A location may be recommended to the user if the objective information correlates to the preferred criteria and if the other person's profile correlates to the user's profile. Subjective information associated with the location may be provided to the user along with the recommended location. Furthermore, a location may be recommended to the user if the subjective information correlates to the preferred criteria.
    Type: Grant
    Filed: August 4, 2014
    Date of Patent: April 11, 2017
    Assignee: United Services Automobile Associations (USAA)
    Inventors: Bradly J. Billman, Charles L. Oakes, III, Reynaldo Medina, III, Michael P. Bueche, Jr.
  • Patent number: 9497795
    Abstract: Disclosed herein are a method, system, and computer-readable storage medium comprising instructions for notifying a user of available realty in proximity to the user's approximate current location. In an embodiment, a triggering location region is defined based on the user's approximate current location. The triggering location region includes a second location that is associated with another person's profile that correlates with the user's profile. An alert is automatically provided to the user if available realty is within the defined triggering location region. In another embodiment, if available realty within the triggering location region meets the user's preferred criteria, information about the available realty may be automatically provided to the user.
    Type: Grant
    Filed: April 1, 2008
    Date of Patent: November 15, 2016
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION
    Inventors: Bradly Jay Billman, Charles Lee Oakes, III, Reynaldo Medina, III, Michael Patrick Bueche, Jr.
  • Patent number: 9477978
    Abstract: A system for advising a user on the condition of a vehicle is described. Data can be collected from a vehicle in the form of images or reflected energy from a section or part of the vehicle, and the data can be analyzed to determine if repairs, damage, or other problems are present. The collected data may also be images of identifying panels or insignia on the car. A report with results of the analysis can be provided to the user. The results of the analysis may describe detected damage or repairs, provide vehicle history or identifying information, or report detection of repainting.
    Type: Grant
    Filed: April 4, 2008
    Date of Patent: October 25, 2016
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION
    Inventors: Charles Lee Oakes, III, Reynaldo Medina, III
  • Patent number: 9450935
    Abstract: A shell device with minimal software and/or hardware resources can download from a server configuration information and/or user data in order to allow the shell device to communicate with other computing devices (whether cell phones, personal digital assistants, laptops, and the like). Various security features can also be used herein, including a shell device password and a server network access password. In another aspect, any time code and/or data is downloaded from the server to the shell device, such code and/or data resides on the shell device during the time of a communication between the server and the shell device; thereafter, it can be deleted, thereby returning the shell device to its minimalistic resource state. When the shell device contacts the server again and attempts to establish another communication, such code and/or data can be downloaded anew, and after the communication it can be deleted again.
    Type: Grant
    Filed: June 23, 2014
    Date of Patent: September 20, 2016
    Assignee: UNITED SERVICES AUTOMOBILES ASSOCIATION (USAA)
    Inventors: Charles L. Oakes, III, Reynaldo Medina, III, Bradly J. Billman