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:
Aug. 26, 2025
Filed:
Feb. 08, 2023
Uipco, Llc, San Antonio, TX (US);
Valerie Ann Roth, San Antonio, TX (US);
Charise Renee Whitaker, San Antonio, TX (US);
Oscar Guerra, San Antonio, TX (US);
Ashley Raine Philbrick, San Antonio, TX (US);
Paula Ann Whittington, Helotes, TX (US);
Kelly Q. Baker, San Antonio, TX (US);
Will Kerns Maney, Jr., San Antonio, TX (US);
Sumita T. Jonak, San Antonio, TX (US);
Pragya Kamal, Phoenix, AZ (US);
Ryan Thomas Russell, San Antonio, TX (US);
Joel S. Hartshorn, Liberty Lake, WA (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
A method and system for securely communicating with third parties who are authorized to control access to funds in a banking account held by a financial institution is disclosed. The method and system are particularly useful when the third party does not have direct access to account controls (for example, through a secure web portal or a secure banking application). While joint account holders, or other authorized users, of the banking account may communicate directly through an account management service, communication with the third party is mediated using a separate messaging service, such as a short messaging service (SMS). An authorization token may also be used as part of the approval process.