The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Apr. 27, 2021
Filed:
Dec. 20, 2017
Applicant:
Uipco, Llc, San Antonio, TX (US);
Inventors:
Jeffrey Walton Easley, San Antonio, TX (US);
Melanie Lynn Thompson, San Antonio, TX (US);
Brian Hurtak, San Antonio, TX (US);
Patrick Lugo, San Antonio, TX (US);
Assignee:
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA), San Antonio, TX (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/00 (2012.01); G06Q 20/40 (2012.01); G06Q 20/24 (2012.01); G06Q 20/02 (2012.01); G06Q 20/34 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/4014 (2013.01); G06Q 20/02 (2013.01); G06Q 20/24 (2013.01); G06Q 20/34 (2013.01); G06Q 20/4016 (2013.01);
Abstract
Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.