United Services Automobile Association (usaa)

Christopher Paul Courtright

Bradly Jay Billman

A user may provide a financial card to an automated teller machine (ATM) or point of sale (POS) terminal and may be authenticated by providing a gesture and/or an image selection via a mobile device to the ATM or the POS. The gesture and/or image selection may be provided using a touchscreen of the mobile device. The gesture and/or image provided by the user via the mobile device may be compared to a stored gesture and/or image provided by the user during an earlier registration of the financial card. If there is a match between the gesture and/or image provided by the user via the mobile device and the previously stored gesture and/or image, then the user is authenticated and may access an account associated with the financial card.

Systems and methods for user authentication via mobile device

Systems and methods for performing a transaction with a headless point-of-sale or automated teller machine (ATM) device are disclosed using a card having a second communications path to a financial services provider. A card having a display and radio frequency (RF) communications module may be authenticated with a headless point-of-sale device using a short-range RF communications link. Characteristics of the card may be set prior to the transaction. Transaction information may be provided to the display of the card from the headless point-of-sale device. A customer may confirm the transaction at the card using a touch-sensitive input area. During the processing, a communication may be made over the second communications path to authorize the transaction independently of the transaction processing path. A transaction may then be completed at the headless point-of-sale device.

Systems and methods for transactions using an ATM/credit/debit card and a second communications channel to an account holder's bank

Techniques for managing services provided on behalf of a user are provided. A user profile generator accesses a first user profile, applies modifications to the first user profile, and saves the modifications as a second user profile, without modifying the first user profile, such that the first user profile remains saved without modifications. In response to a second user profile invocation input indicating that the second user profile should be invoked, a second provision of services associated with the second user profile are invoked in place of a first provision of services related to the first user profile. The first provision of services related to the first user profile are re-invoked when a determination is made that the second user profile should no longer be invoked.

Systems and methods for one-click financials

A system, method and computer-usable medium are disclosed for managing services provided on behalf of a user through the invocation of a user profile. A service provision management system comprises a user profile registry, which further comprises a plurality of user profiles, each of which is associated with a user. A first user profile is compared to a second user profile within a user interface and recommended modifications to the first user profile are generated in response to user input. The user makes modifications to user information and service provider information contained in the first user profile. Upon invocation of the user profile, service provider instructions, which comprise service execution information, are issued to a service provider to provide a service on behalf of said user.

Systems and methods for performing a transaction with a headless point-of-sale or automated teller machine (ATM) device are disclosed. A card having a display and radio frequency (RF) communications module may be authenticated with a headless point-of-sale device using a short-range RF communications link. Transaction information may be provided to the display of the card from the headless point-of-sale device. A customer may confirm the transaction at the card using a touch-sensitive input area. The headless point-of-sale device may then provide the transaction information to a transaction processor for processing and verification. Where the headless device is a headless ATM, the card may be authenticated to the ATM and transaction information may be entered and displayed on the card. A cardholder may authenticate with the ATM by entering, e.g., a PIN number and funds may be dispensed to the cardholder upon verification of the PIN.

Growing community of inventors

San Antonio, TX, United States of America

Christopher Paul Courtright