Patents by Inventor Ryan Ray Barth

Ryan Ray Barth 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: 8924271
    Abstract: A user may select a payoff date for a loan online, and may receive a corresponding loan payoff quote for that date. Additionally, the user may receive a per diem payoff amount. When a user selects a particular payoff date via a website associated with the lender, the loan payoff quote is calculated and provided to the user via the website, text message, or email.
    Type: Grant
    Filed: June 9, 2008
    Date of Patent: December 30, 2014
    Assignee: United Services Automobile Association
    Inventor: Ryan Ray Barth
  • Patent number: 8708229
    Abstract: Systems and methods for customized deposit slips are described. The system comprises a first module to receive an account selection from a user for a bank account, a second module to create a representation of a deposit slip customized with an account number for the account selection, and a third module to post the deposit to the bank account identified by the account selection. Other embodiments may be described and claimed.
    Type: Grant
    Filed: November 5, 2012
    Date of Patent: April 29, 2014
    Assignee: United Services Automobile Association (USAA)
    Inventors: Troy Bartlette Huth, Ryan Ray Barth
  • Patent number: 8416924
    Abstract: A customer-directed rounded-amount investment method includes determining whether a debit-card transaction is a qualifying transaction, determining whether the debit-card transaction is an odd-amount transaction and, if the transaction is an odd-amount qualifying transaction, crediting a customer-directed account in a rounded-difference amount.
    Type: Grant
    Filed: October 10, 2006
    Date of Patent: April 9, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ryan Ray Barth, Ryan Todd Everett
  • Patent number: 8302853
    Abstract: Systems and methods for customized deposit slips are described. The system comprises a first module to receive an account selection from a user for a bank account, a second module to create a representation of a deposit slip customized with an account number for the account selection, and a third module to post the deposit to the bank account identified by the account selection. Other embodiments may be described and claimed.
    Type: Grant
    Filed: June 8, 2010
    Date of Patent: November 6, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Troy Bartlette Huth, Ryan Ray Barth
  • Patent number: 8255329
    Abstract: A debit-card withdrawal-fee payment method includes receiving selection of a first account to which withdrawal-fee payments are to be directed, receiving notification of a debit-card transaction withdrawal-fee amount associated with a second account, and making a withdrawal-fee payment to the first account in the withdrawal-fee amount.
    Type: Grant
    Filed: October 10, 2006
    Date of Patent: August 28, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ryan Ray Barth, Ryan Todd Everett
  • Patent number: 8255335
    Abstract: Disclosed are systems and methods for establishing a personal identification number (PIN). The systems and methods provide techniques to begin a remote session with a customer, prompt the customer to select a PIN to associate with a financial account card during the remote session, and receive the PIN from the customer during the remote session.
    Type: Grant
    Filed: April 11, 2007
    Date of Patent: August 28, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ryan Ray Barth, Felicia Tavares
  • Patent number: 8121947
    Abstract: A method of transferring a financial account from an existing financial institution to a new financial institution includes receiving a customer request for financial account transfer, determining information regarding the existing financial institution using information stored at the new financial institution, receiving, via an aggregation tool, information regarding the financial account, determining financial obligations associated with the financial account using the received information, and populating a database of the new financial institution to reflect the determined financial obligations.
    Type: Grant
    Filed: October 10, 2006
    Date of Patent: February 21, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ryan Ray Barth, Jeffrey Walton Easley, Teddy Joseph Edmond Voutour, Michael Albert Luby
  • Patent number: 7886963
    Abstract: Method and system are disclosed for automatically filling in external account information on a new account application. The method and system capture account-identifying information for an external account from electronic transactions involving the external account. The captured external account information may be used to automatically pre-fill new account information fields that require information about the external account. Account-identifying information for internal accounts may also be used to automatically pre-fill the new account application. Such an arrangement greatly simplifies the process of filling out new account applications.
    Type: Grant
    Filed: April 13, 2007
    Date of Patent: February 15, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ryan Ray Barth
  • Patent number: 7743978
    Abstract: Systems and methods for customized deposit slips are described. The system comprises a first module to receive an account selection from a user for a bank account, a second module to create a representation of a deposit slip customized with an account number for the account selection, and a third module to post the deposit to the bank account identified by the account selection. Other embodiments may be described and claimed.
    Type: Grant
    Filed: December 30, 2005
    Date of Patent: June 29, 2010
    Assignee: United Services Automobile Association (USAA)
    Inventors: Troy Bartlette Huth, Ryan Ray Barth