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: 8058988
    Abstract: A system for object tracking may comprise at least one subsystem that couples an electronic signal emitting and receiving device to an object to be tracked, at least one subsystem that assigns an identifier to the object, at least one subsystem that registers the identifier of the object with a second object, and at least one subsystem that establishes electronic communication between the object to be tracked and the second object via the electronic signal emitting and receiving device. Also a system for object tracking may comprise at least one subsystem that detects at a first object an electronic signal from a second object, and at least one subsystem that emits an electronic alert beacon from the first object when said first object is determined to be out of range of the second object.
    Type: Grant
    Filed: September 22, 2008
    Date of Patent: November 15, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Reynaldo Medina, III, Charles Lee Oakes, III
  • Patent number: 8046301
    Abstract: 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: Grant
    Filed: October 30, 2007
    Date of Patent: October 25, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 8041788
    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: April 9, 2008
    Date of Patent: October 18, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles L. Oakes, III, Reynaldo Medina, III
  • Patent number: 8019629
    Abstract: Automobile accident claims initiation systems and methods are described. An insured driver may initiate a claim by operating a mobile device. The system provides automated inquiries to the driver through the mobile device. The driver provides responses to the inquiries using the mobile device. The driver may provide images and audio data, as well as personal information and information on the parties and vehicles involved in the accident. The system may automatically arrange for services such as a rental car or a tow truck. The system may provide claim information, such as a claim number to the driver by transmitting information to the mobile device.
    Type: Grant
    Filed: April 7, 2008
    Date of Patent: September 13, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Reynaldo Medina, III, Charles L. Oakes, III, Bradly Jay Billman, Michael Patrick Bueche, Jr.
  • Patent number: 8001051
    Abstract: 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: Grant
    Filed: October 30, 2007
    Date of Patent: August 16, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7996315
    Abstract: 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: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7996316
    Abstract: 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: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7996314
    Abstract: 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: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7970677
    Abstract: An image of a negotiable instrument may be communicated from a user to a financial institution using a messaging application so that funds associated with the negotiable instrument may be deposited into a user's bank account. A user may launch an instant messaging application and establish a communications session with a predetermined account at the financial institution to communicate the image. The image may be stored in a file or created by a capture device under control of the instant messaging application. The image file may be processed and verified by the financial institution, where it may be deposited in an account associated with the user.
    Type: Grant
    Filed: October 24, 2008
    Date of Patent: June 28, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Michael Frank Morris, Bharat Prasad, Reynaldo Medina, III
  • Patent number: 7970635
    Abstract: Automobile accident claims initiation systems and methods are described. An insured driver may initiate a claim by operating a mobile device. The system provides automated inquiries to the driver through the mobile device. The driver provides responses to the inquiries using the mobile device. The driver may provide images and audio data, as well as personal information and information on the parties and vehicles involved in the accident. The system may automatically arrange for services such as a rental car or a tow truck. The system may provide claim information, such as a claim number to the driver by transmitting information to the mobile device.
    Type: Grant
    Filed: April 7, 2008
    Date of Patent: June 28, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Reynaldo Medina, III, Charles L. Oakes, III, Bradly Jay Billman, Michael Patrick Bueche, Jr.
  • Patent number: 7949587
    Abstract: An image of a negotiable instrument may be communicated from a user to a financial institution using a messaging application so that funds associated with the negotiable instrument may be deposited into a user's bank account. A user may launch an instant messaging application and establish a communications session with a predetermined account at the financial institution to communicate the image. The image may be stored in a file or created by a capture device under control of the instant messaging application. The image file may be processed and verified by the financial institution, where it may be deposited in an account associated with the user.
    Type: Grant
    Filed: October 24, 2008
    Date of Patent: May 24, 2011
    Assignee: United States Automobile Association (USAA)
    Inventors: Michael Frank Morris, Bharat Prasad, Reynaldo Medina, III
  • Patent number: 7900822
    Abstract: Images of a plurality of checks to be presented for payment may be captured through the use of a check sleeve. The check sleeve includes check-holding mechanism to hold one or more checks in place in the sleeve, and contains various types of markings or other features that allow an image of the sleeve to be oriented, and to allow the portion of the image that represents a check to be distinguished from portions of the image that do not represent a check. One or more algorithms may be used to distinguish check from non-check portions of the image, and to orient the image. The check sleeves may have one or more barcodes imprinted thereon, which may encode various types of information.
    Type: Grant
    Filed: November 6, 2007
    Date of Patent: March 8, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Reynaldo Medina, III
  • Patent number: 7896232
    Abstract: Images of a plurality of checks to be presented for payment may be captured through the use of a check sleeve. The check sleeve includes check-holding mechanism to hold one or more checks in place in the sleeve, and contains various types of markings or other features that allow an image of the sleeve to be oriented, and to allow the portion of the image that represents a check to be distinguished from portions of the image that do not represent a check. One or more algorithms may be used to distinguish check from non-check portions of the image, and to orient the image. The check sleeves may have one or more barcodes imprinted thereon, which may encode various types of information.
    Type: Grant
    Filed: November 6, 2007
    Date of Patent: March 1, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Reynaldo Medina, III
  • Patent number: 7865435
    Abstract: A person stores funds in a lower interest checking account and a higher interest savings account of a banking institution. For each of a plurality of cycles, funds are received at the beginning of the cycle from an amount of income (‘INC’) of the person. An amount at least equal to a total amount of regularly recurring bills of the person that have a generally fixed amount (‘FIX’) is deposited into a bills account of the person, and at least a portion of a remainder of INC is deposited into the checking account. During the cycle, the person pays the regularly recurring bills from the bills account and other bills from the checking account. At the end of the cycle, a final amount left in the checking account above a floor value (‘FLO’) is transferred to the savings account. Thus, excess funds are not allowed to accumulate in the checking account.
    Type: Grant
    Filed: February 26, 2008
    Date of Patent: January 4, 2011
    Assignee: United States Automobile Association (USAA)
    Inventor: Reynaldo Medina, III