Patents by Inventor Richard A. Davey
Richard A. Davey 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).
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Patent number: 12244591Abstract: The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.Type: GrantFiled: January 26, 2024Date of Patent: March 4, 2025Assignee: United Services Automobile Association (USAA)Inventors: Thomas B. Buckingham, Richard A. Davey, Tammy Sanclemente, Ryan M. Johnson, Adam J. Leatham, Christopher Thomas Wilkinson
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Patent number: 12177200Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.Type: GrantFiled: September 13, 2023Date of Patent: December 24, 2024Assignee: United Services Automobile Association (USAA)Inventors: Michael W. Lester, Debra Randall Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Bret Buckingham, Tammy Sanclemente
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Patent number: 11924203Abstract: The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.Type: GrantFiled: March 30, 2023Date of Patent: March 5, 2024Assignee: United Services Automobile Association (USAA)Inventors: Thomas B. Buckingham, Richard A. Davey, Tammy Sanclemente, Ryan M. Johnson, Adam J. Leatham, Christopher Thomas Wilkinson
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Patent number: 11792176Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.Type: GrantFiled: September 21, 2021Date of Patent: October 17, 2023Assignee: United Services Automobile Association (USAA)Inventors: Michael W. Lester, Debra Randall Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Bret Buckingham, Tammy Sanclemente
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Patent number: 11709921Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system can use a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.Type: GrantFiled: November 19, 2021Date of Patent: July 25, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Richard A. Davey, Wilbert Bennett, Jr.
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Patent number: 11658968Abstract: The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.Type: GrantFiled: November 18, 2021Date of Patent: May 23, 2023Assignee: United Services Automobile Association (USAA)Inventors: Thomas B. Buckingham, Richard A. Davey, Tammy Sanclemente, Ryan M. Johnson, Adam J. Leatham, Christopher Thomas Wilkinson
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Patent number: 11212278Abstract: The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.Type: GrantFiled: May 29, 2020Date of Patent: December 28, 2021Assignee: United Services Automobile Association (USAA)Inventors: Thomas B. Buckingham, Richard A. Davey, Tammy Sanclemente, Ryan M. Johnson, Adam J. Leatham, Christopher Thomas Wilkinson
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Patent number: 11210382Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system can use a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.Type: GrantFiled: May 29, 2020Date of Patent: December 28, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Richard A. Davey, Wilbert Bennett, Jr.
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Patent number: 11159505Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.Type: GrantFiled: August 8, 2019Date of Patent: October 26, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Michael W. Lester, Debra Randall Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Bret Buckingham, Tammy Sanclemente
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Patent number: 10708264Abstract: The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.Type: GrantFiled: April 29, 2019Date of Patent: July 7, 2020Assignee: United Services Automobile Association (USAA)Inventors: Thomas B. Buckingham, Richard A. Davey, Tammy Sanclemente, Ryan M. Johnson, Adam J. Leatham, Christopher Thomas Wilkinson
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Patent number: 10671715Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system can use a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.Type: GrantFiled: March 15, 2019Date of Patent: June 2, 2020Assignee: United Services Automobile Association (USAA)Inventors: Richard A. Davey, Wilbert Bennett, Jr.
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Patent number: 10630670Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system utilizes a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.Type: GrantFiled: December 13, 2018Date of Patent: April 21, 2020Assignee: United Services Automobile Association (USAA)Inventors: Debra Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham
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Patent number: 10432605Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.Type: GrantFiled: October 15, 2018Date of Patent: October 1, 2019Assignee: United Services Automobile Association (USAA)Inventors: Michael W. Lester, Debra Randall Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Bret Buckingham, Tammy Sanclemente
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Patent number: 10402803Abstract: A method of initiating a banking transaction at a banking terminal is provided. The method includes optically capturing machine readable identification data of the banking terminal by a mobile device of a customer. A terminal identifier of the banking terminal is determined based on the machine readable identification data. Account information and the terminal identifier are transmitted from the mobile device for delivery to a server. The account information is associated with the customer and stored in the mobile device. The method also includes the step of transmitting the account information from the server to the banking terminal using the terminal identifier and receiving a customer transaction request from the customer at the banking terminal.Type: GrantFiled: April 20, 2015Date of Patent: September 3, 2019Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Richard A. Davey
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Patent number: 10320783Abstract: The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.Type: GrantFiled: January 22, 2018Date of Patent: June 11, 2019Assignee: United Services Automobile Association (USAA)Inventors: Thomas B. Buckingham, Richard A. Davey, Tammy Sanclemente, Ryan M. Johnson, Adam J. Leatham, Christopher Thomas Wilkinson
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Patent number: 10282531Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system can use a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.Type: GrantFiled: February 27, 2017Date of Patent: May 7, 2019Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Richard A. Davey, Wilbert Bennett, Jr.
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Patent number: 9876789Abstract: The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.Type: GrantFiled: April 3, 2015Date of Patent: January 23, 2018Assignee: United Services Automobile Association (USAA)Inventors: Thomas B. Buckingham, Richard A. Davey, Tammy Sanclemente, Ryan M. Johnson, Adam J. Leatham, Christopher Thomas Wilkinson
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Patent number: 9021562Abstract: The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.Type: GrantFiled: February 28, 2011Date of Patent: April 28, 2015Assignee: United Services Automobile AssociationInventors: Thomas B. Buckingham, Richard A. Davey, Tammy L. Sanclemente, Ryan M. Johnson, Adam J. Leatham, John D. Row, Christopher T. Wilkinson
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Patent number: 9010627Abstract: A method of initiating a banking transaction at a banking terminal is provided. The method includes optically capturing machine readable identification data of the banking terminal by a mobile device of a customer. A terminal identifier of the banking terminal is determined based on the machine readable identification data. Account information and the terminal identifier are transmitted from the mobile device for delivery to a server. The account information is associated with the customer and stored in the mobile device. The method also includes the step of transmitting the account information from the server to the banking terminal using the terminal identifier and receiving a customer transaction request from the customer at the banking terminal.Type: GrantFiled: September 26, 2012Date of Patent: April 21, 2015Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Richard A. Davey