Patents by Inventor Robert D. Morales

Robert D. Morales 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).

  • Systems and methods for aggregating data for real-time financial plan
    Patent number: 8620785
    Abstract: Aggregation processes and systems acquire user data from many internal and external sources, such as a host financial institution, external institutions, and publicly available websites and databases. The data aggregation may be used to pre-populate the fields in a questionnaire that would otherwise have to be manually populated by the user. A financial plan based on the data is generated and provided to the user. After presenting the financial plan to the user, additional information may be requested from the user. After the additional information is received, the financial plan may be revised and provided to the user.
    Type: Grant
    Filed: February 28, 2008
    Date of Patent: December 31, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bruce Wesley Wilks, Robert D. Morales, Rennie Garcia, Robert Anthony Pacheco