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31. 发明授权

US10402803B1 Initiating a kiosk transaction 有权
公开(公告)号：US10402803B1
公开(公告)日：2019-09-03
申请号：US14691101
申请日：2015-04-20
申请人： United Services Automobile Association (USAA)
发明人： Bharat Prasad , Richard A. Davey
IPC分类号： G06Q20/18 , G06Q20/20 , G06Q20/40
摘要： A method of initiating a banking transaction at a banking terminal is provided. The method includes optically capturing machine readable identification data of the banking terminal by a mobile device of a customer. A terminal identifier of the banking terminal is determined based on the machine readable identification data. Account information and the terminal identifier are transmitted from the mobile device for delivery to a server. The account information is associated with the customer and stored in the mobile device. The method also includes the step of transmitting the account information from the server to the banking terminal using the terminal identifier and receiving a customer transaction request from the customer at the banking terminal.

32. 发明授权

US10402638B1 Digital camera processing system 有权
公开(公告)号：US10402638B1
公开(公告)日：2019-09-03
申请号：US16165622
申请日：2018-10-19
申请人： United Services Automobile Association (USAA)
发明人： Charles Lee Oakes, III , Randy Ray Morlen , Michael Frank Morris , Reynaldo Medina, III , Greg Alan Harpel , Gabriel Glenn Gavia , Bharat Prasad , Frank Kyle Major , Jeffrey Neal Pollack
IPC分类号： G06Q40/00 , G06K9/00 , H04N1/403 , H04N1/387 , H04N1/00 , G06Q20/10 , G06K9/36 , G06Q20/04 , H04N101/00 , G06K7/10
摘要： A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check; displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.

33. 发明授权

US10171671B1 Customer service call routing and/or scheduling system and method 有权
公开(公告)号：US10171671B1
公开(公告)日：2019-01-01
申请号：US15348759
申请日：2016-11-10
申请人： United Services Automobile Association (USAA)
发明人： Bharat Prasad , Gunjan C. Vijayvergia , Vijay Jayapalan
IPC分类号： H04M3/42 , H04M3/51 , H04L29/08 , H04M3/523
摘要： A method of routing a communication of a customer to an appropriate service representative includes, in accordance with an embodiment of the present disclosure, identifying, within a database stored to a server, a customer account associated with the customer. The method also includes analyzing a data fingerprint saved to the customer account, where the data fingerprint comprises data indicative of a plurality of life events associated with the customer. The method also includes determining, via a switch, the appropriate service representative based on the analyzing of the data fingerprint.

34. 发明授权

US10163091B1 Cash deposit at point of sale using deposit product inventory item systems and methods 有权
公开(公告)号：US10163091B1
公开(公告)日：2018-12-25
申请号：US14987046
申请日：2016-01-04
申请人： United Services Automobile Association (USAA)
发明人： Gunjan Vijayvergia , Bharat Prasad
IPC分类号： G06Q20/10 , G06Q20/20
摘要： A system for receiving cash deposits at a point of sale includes a processor; a product inventory database; a communication interface; a product inventory item reader; and a purchase instrument reader. The processor is configured to receive a product code from the product inventory item reader; access the product inventory database to recognize the product code as a deposit product code; receive signals indicating an amount of a deposit associated with the deposit product code; receive signals from the purchase instrument reader identifying an account for the deposit; and send signals to a transaction processing network via the communication interface to thereby effect the deposit of the amount into the account.

35. 发明授权

US09390421B1 Service representative and remote location document communication 有权
公开(公告)号：US09390421B1
公开(公告)日：2016-07-12
申请号：US14925489
申请日：2015-10-28
申请人： United Services Automobile Association (USAA)
发明人： David P. Dixon , Robert J. Haines , John P. Hyltin , Peter H. McKenna , Bharat Prasad , Brady Carl Stephenson
IPC分类号： G06F3/12 , G06Q30/00 , H04L29/08
CPC分类号： G06Q30/016 , G03G2215/00109 , G06Q10/10 , H04L67/06 , H04L67/125 , H04L67/141
摘要： The present disclosure provides apparatus, systems, and methods for service representative and remote location document communication. One or more embodiments include a memory, and a processor configured to execute executable instructions stored in the memory to identify a remote location of a customer, identify a type of device available to be utilized at the remote location, and provide to the device at the remote location instructions for capturing information from a document.

36. 发明授权

US09224136B1 Systems and methods for remote deposit of checks 有权
标题翻译：用于远程存款支票的系统和方法
公开(公告)号：US09224136B1
公开(公告)日：2015-12-29
申请号：US14220799
申请日：2014-03-20
申请人： United Services Automobile Association (USAA)
发明人： Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Troy Bartlette Huth
IPC分类号： G06Q40/00 , G06Q20/04 , G06Q20/10 , G06K9/18 , G06K9/00
CPC分类号： G06Q20/042 , G06K9/00161 , G06K9/186 , G06K2209/01 , G06Q20/0425 , G06Q20/10 , G06Q20/108 , G06Q20/3223 , G06Q20/325 , G06Q20/4014 , G06Q40/00 , G06Q40/02
摘要： Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
摘要翻译：金融机构可以方便地支票的远期存款。可以利用客户的通用计算机和图像捕获设备来捕获检查的图像并将图像传送到金融机构电子设备。必要时可以收集交易的其他数据。可以使用所获得的图像和数据来自动完成交易。

37. 发明授权

US09010627B1 Initiating a kiosk transaction 有权
标题翻译：启动信息亭交易
公开(公告)号：US09010627B1
公开(公告)日：2015-04-21
申请号：US13627874
申请日：2012-09-26
申请人： United Services Automobile Association (USAA)
发明人： Bharat Prasad , Richard A. Davey
IPC分类号： G06Q40/00 , G06Q40/02
CPC分类号： G06Q40/02
摘要： A method of initiating a banking transaction at a banking terminal is provided. The method includes optically capturing machine readable identification data of the banking terminal by a mobile device of a customer. A terminal identifier of the banking terminal is determined based on the machine readable identification data. Account information and the terminal identifier are transmitted from the mobile device for delivery to a server. The account information is associated with the customer and stored in the mobile device. The method also includes the step of transmitting the account information from the server to the banking terminal using the terminal identifier and receiving a customer transaction request from the customer at the banking terminal.
摘要翻译：提供了一种在银行终端启动银行交易的方法。该方法包括通过客户的移动设备光学捕获银行终端的机器可读标识数据。基于机器可读标识数据确定银行终端的终端标识符。帐号信息和终端标识符从移动设备传送到服务器。帐户信息与客户相关联并存储在移动设备中。该方法还包括使用终端标识从客户端向银行终端发送帐户信息的步骤，并从银行终端处的客户接收客户交易请求。

38. 发明授权

US08934497B1 Systems and methods for implementing network gateway in catastrophe context or the like 有权
标题翻译：在灾难性上下文中实现网络网关的系统和方法等
公开(公告)号：US08934497B1
公开(公告)日：2015-01-13
申请号：US13723402
申请日：2012-12-21
申请人： United Services Automobile Association (USAA)
发明人： Bharat Prasad , Bradly J. Billman , Charles L. Oakes, III
IPC分类号： H04L12/56 , H04L12/66
CPC分类号： H04L65/102 , H04L12/5692 , H04L12/66 , H04L43/08
摘要： A system has a plurality of communications devices within a geographic area. Each device is capable of communicating from within the geographic area with any other device proximate the device, and is also capable of communicating from within the geographic area with a communications service having access to an area external to the geographic area if such communications service is operational and available to the device. At least one of the devices is a gateway device that communicates from within the geographic area with the communications service, and at least some of the devices are non-gateway devices that communicate from within the geographic area with the gateway device. Each non-gateway device communicates from within the geographic area with the area external thereto by way of the gateway device and the communications service communicated with by the gateway device.
摘要翻译：系统在地理区域内具有多个通信设备。每个设备能够从地理区域内与设备附近的任何其他设备进行通信，并且还能够与地理区域内的通信服务通信，该通信服务可以访问地理区域外部的区域，如果这样的通信服务可操作并可用于设备。至少一个设备是从地理区域内与通信服务通信的网关设备，并且至少一些设备是从地理区域内与网关设备通信的非网关设备。每个非网关设备通过网关设备和由网关设备通信的通信服务，从地理区域内与其外部的区域进行通信。

39. 发明授权

US08732081B1 Systems and methods for remote deposit of checks 有权
公开(公告)号：US08732081B1
公开(公告)日：2014-05-20
申请号：US13765412
申请日：2013-02-12
申请人： United Services Automobile Association (USAA)
发明人： Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Troy Bartlette Huth
IPC分类号： G06Q40/00 , G06K9/00
CPC分类号： G06Q20/042 , G06K9/00161 , G06K9/186 , G06K2209/01 , G06Q20/0425 , G06Q20/10 , G06Q20/108 , G06Q20/3223 , G06Q20/325 , G06Q20/4014 , G06Q40/00 , G06Q40/02
摘要： Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

40. 发明授权

US11544682B1 System and method for storefront bank deposits 有权
公开(公告)号：US11544682B1
公开(公告)日：2023-01-03
申请号：US16944854
申请日：2020-07-31
申请人： United Services Automobile Association (USAA)
发明人： Bharat Prasad
IPC分类号： G06Q40/00 , G06Q20/10
摘要： A method and system are disclosed for submitting financial instruments, cash and other value bearing documents for deposit at retail locations unaffiliated with the various financial institutions the deposits are directed to. The method includes identifying account holders and scanning the physical documents to be deposited with equipment at the retail location that is provided by a third party facilitator. The equipment at the retail location communicates with a third party facilitator system to lookup bank routing information and uses this information to complete a remote deposit transaction for the account holder with that account holder's particular financial institution. The system may include a standalone or distributed system having a memory in communication with a processor system configured to perform the method noted above.

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