Patents by Inventor Tammy Sanclemente
Tammy Sanclemente 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: 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: 11863579Abstract: Various embodiments of the present invention generally relate to identity authentication and/or recognition. Some embodiments provide a method for determining when a user may engage in a restricted activity, including engaging in an initial contact with a user via a medium for exchange, receiving a request to engage in an activity, determining an activity trust threshold required for the activity, determining an initial identity trust score for the user, and comparing the initial identity trust score with the activity trust threshold. Based on the comparison, the user is either allowed to engage in the activity, rejected from engaging in the activity, or additional identifying information is collected.Type: GrantFiled: September 30, 2020Date of Patent: January 2, 2024Assignee: United Services Automobile Association (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente
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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: 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: 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: 10834119Abstract: Various embodiments of the present invention generally relate to identity authentication and/or recognition. Some embodiments provide a method for determining when a user may engage in a restricted activity, including engaging in an initial contact with a user via a medium for exchange, receiving a request to engage in an activity, determining an activity trust threshold required for the activity, determining an initial identity trust score for the user, and comparing the initial identity trust score with the activity trust threshold. Based on the comparison, the user is either allowed to engage in the activity, rejected from engaging in the activity, or additional identifying information is collected.Type: GrantFiled: December 17, 2018Date of Patent: November 10, 2020Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas 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: 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: 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: 10164999Abstract: Various embodiments of the present invention generally relate to identity authentication and/or recognition. Some embodiments provide a method for determining when a user may engage in a restricted activity, including engaging in an initial contact with a user via a medium for exchange, receiving a request to engage in an activity, determining an activity trust threshold required for the activity, determining an initial identity trust score for the user, and comparing the initial identity trust score with the activity trust threshold. Based on the comparison, the user is either allowed to engage in the activity, rejected from engaging in the activity, or additional identifying information is collected.Type: GrantFiled: April 25, 2018Date of Patent: December 25, 2018Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente
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Patent number: 9979744Abstract: Various embodiments of the present invention generally relate to identity authentication and/or recognition. Some embodiments provide a method for determining when a user may engage in a restricted activity, including engaging in an initial contact with a user via a medium for exchange, receiving a request to engage in an activity, determining an activity trust threshold required for the activity, determining an initial identity trust score for the user, and comparing the initial identity trust score with the activity trust threshold. Based on the comparison, the user is either allowed to engage in the activity, rejected from engaging in the activity, or additional identifying information is collected.Type: GrantFiled: November 30, 2015Date of Patent: May 22, 2018Assignee: United States Automobile Association (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente
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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: 9203860Abstract: Various embodiments of the present invention generally relate to identity authentication and/or recognition. Some embodiments provide a method for determining when a user may engage in a restricted activity, including engaging in an initial contact with a user via a channel, acquiring identifying information relating to the user, receiving, from the user, a request to engage in an activity, determining an activity trust threshold required for the activity, based on the identifying information, determining an initial identity trust score for the user based on the identifying information, comparing the initial identity trust score with the activity trust threshold. Based on the comparison, the user is either allowed to engage in the activity, rejected from engaging in the activity, or additional identifying information is collected.Type: GrantFiled: March 20, 2012Date of Patent: December 1, 2015Assignee: United Services Automobile Association (USAA)Inventors: Debra Casillas, Richard Andrew Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Buckingham, Tammy Sanclemente
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Patent number: 9075986Abstract: Apparatus and method for managing password information associated with a service account are disclosed. In some embodiments, a service account management system is configured to include a security account utility and a password information data store. In some embodiments, a security account utility is used when registering, tracking, and adjusting password change information. In some embodiments, notification of a password change date is transmitted to a service account owner and a security auditor for enforcement. Use of a security account management system with a middleware application is also disclosed.Type: GrantFiled: August 6, 2013Date of Patent: July 7, 2015Assignee: United Services Automobile AssociationInventors: David Cato, Tammy Sanclemente
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Patent number: 8544071Abstract: Systems ands methods for managing service account security are described. The apparatus may include a security record data store that contains information regarding a plurality of service records, a retrieval module coupled to the security record data store to retrieve security record information and a user interface module to convey the security record information to one or more users. The method may include retrieving information regarding one or more security records, conveying the information to the user and updating the information if the user indicates a change in the information.Type: GrantFiled: October 19, 2006Date of Patent: September 24, 2013Assignee: United Services Automobile Association (USAA)Inventors: David Cato, Bryan Bice, Tammy Sanclemente
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Patent number: 8504841Abstract: Apparatus and method for managing password information associated with a service account are disclosed. In some embodiments, a service account management system is configured to include a security account utility and a password information data store. In some embodiments, a security account utility is used when registering, tracking, and adjusting password change information. In some embodiments, notification of a password change date is transmitted to a service account owner and a security auditor for enforcement. Use of a security account management system with a middleware application is also disclosed.Type: GrantFiled: October 27, 2011Date of Patent: August 6, 2013Assignee: United Services Automobile Association (USAA)Inventors: David Cato, Tammy Sanclemente
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Patent number: 8055904Abstract: Apparatus and method for managing password information associated with a service account are disclosed. In some embodiments, a service account management system is configured to include a security account utility and a password information data store. In some embodiments, a security account utility is used when registering, tracking, and adjusting password change information. In some embodiments, notification of a password change date is transmitted to a service account owner and a security auditor for enforcement. Use of a security account management system with a middleware application is also disclosed.Type: GrantFiled: June 8, 2007Date of Patent: November 8, 2011Assignee: United Services Automobile Assocation (USAA)Inventors: David Cato, Tammy Sanclemente