Michael W Lester

US Patent:

7716156, May 11, 2010

Filed:

Jul 13, 2006

Appl. No.:

11/486876

Inventors:

Mason Eubank - Boston MA, US
Nikolay Eshkenazi - San Antonio TX, US
Neff Karl Hudson - San Antonio TX, US
Michael Wayne Lester - San Antonio TX, US

Assignee:

United Services Automobile Association - San Antonio TX

International Classification:

G06F 17/30
G06F 3/00
G06Q 40/00
G06Q 90/00

US Classification:

707 1, 707100, 7071041, 715221, 715224, 715225, 715226, 705 1, 705 35, 705 36 R

Abstract:

Various embodiments disclosed herein are directed to managing and sharing data between web accessed calculators. The systems include a data store to persist calculator inputs and outputs and share them with other calculators and with customer service representatives.

US Patent:

7917530, Mar 29, 2011

Filed:

Mar 26, 2010

Appl. No.:

12/748183

Inventors:

Mason Eubank - Boston MA, US
Nikolay Eshkenazi - San Antonio TX, US
Neff Karl Hudson - San Antonio TX, US
Michael Wayne Lester - San Antonio TX, US

Assignee:

United Services Automobile Association (USAA) - San Antonio TX

International Classification:

G06F 17/30
G06F 3/00
G06Q 40/00
G06Q 90/00

US Classification:

707776, 707784, 707950, 715221, 715224, 715225, 715226, 705 35, 705 36 R

Abstract:

Various embodiments disclosed herein are directed to managing and sharing data between web accessed calculators. The systems include a data store to persist calculator inputs and outputs and share them with other calculators and with customer service representatives.

US Patent:

8078517, Dec 13, 2011

Filed:

Oct 21, 2008

Appl. No.:

12/255116

Inventors:

Joe Ray Martin - San Antonio TX, US
Michael Wayne Lester - San Antonio TX, US
Patrick William Walker Evans - San Antonio TX, US
Patrick Robert Ernst - Helotes TX, US
Ronald David Young - San Antonio TX, US
Marie Elizabeth Hollinger - Helotes TX, US
Omar Alejandro Pina - San Antonio TX, US

Assignee:

United Services Automobile Association - San Antonio TX

International Classification:

G06Q 40/00

US Classification:

705 35, 705 39, 705 44, 705 45

Abstract:

Financial transactions may be monitored for reporting requirements and regulatory compliance. A system provides for receipt of remittances, recognition of payment documents, storage of transaction information, and compliance verification by matching one or more cash equivalent transactions (CETs) made by an individual to determine if the aggregate of the transactions should be reported to meet compliance regulations. Images of the documents may be reviewed by an analyst to determine an account number and/or routing number associated with imaged document. If the information associated with the document reviewed has not been previously reviewed, it may be placed on a list of documents associated with CET transactions such that the document may be determined to be a CET in subsequent encounters with the document without human intervention.

US Patent:

8078533, Dec 13, 2011

Filed:

Oct 21, 2008

Appl. No.:

12/255124

Inventors:

Joe Ray Martin - San Antonio TX, US
Michael Wayne Lester - San Antonio TX, US
Patrick William Walker Evans - San Antonio TX, US
Patrick Robert Ernst - Helotes TX, US
Ronald David Young - San Antonio TX, US
Marie Elizabeth Hollinger - Helotes TX, US
Omar Alejandro Pina - San Antonio TX, US

Assignee:

United Services Automobile Association - San Antonio TX

International Classification:

G06Q 40/00

US Classification:

705 39, 705 40, 705 45

Abstract:

Financial transactions may be monitored for reporting requirements and regulatory compliance. A system provides for receipt of remittances, recognition of payment documents, storage of transaction information, and compliance verification by matching one or more cash equivalent transactions (CETs) made by an individual to determine if the aggregate of the transactions should be reported to meet compliance regulations. Images of the documents may be reviewed by an analyst to determine an account number and/or routing number associated with imaged document. If the information associated with the document reviewed has not been previously reviewed, it may be placed on a list of documents associated with CET transactions such that the document may be determined to be a CET in subsequent encounters with the document without human intervention.

US Patent:

8103693, Jan 24, 2012

Filed:

Feb 17, 2011

Appl. No.:

13/029917

Inventors:

Mason Eubank - Boston MA, US
Nikolay Eshkenazi - San Antonio TX, US
Neff Karl Hudson - San Antonio TX, US
Michael Wayne Lester - San Antonio TX, US

Assignee:

United Services Automobile Association (USAA) - San Antonio TX

International Classification:

G06F 17/30

US Classification:

707776, 705 35, 715226

Abstract:

Various embodiments disclosed herein are directed to managing and sharing data between web accessed calculators. The systems include a data store to persist calculator inputs and outputs and share them with other calculators and with customer service representatives.

US Patent:

8321423, Nov 27, 2012

Filed:

Dec 19, 2011

Appl. No.:

13/330544

Inventors:

Mason Eubank - Boston MA, US
Nikolay Eshkenazi - San Antonio TX, US
Neff Karl Hudson - San Antonio TX, US
Michael Wayne Lester - San Antonio TX, US

Assignee:

United Services Automobile Association (USAA) - San Antonio TX

International Classification:

G06F 17/30

US Classification:

707746, 705 35, 715226

Abstract:

A method of sharing user data with a plurality of web-based financial calculators includes obtaining a user request for a selected web-based financial calculator from the plurality of web-based financial calculators and identifying at least one input data element required by the selected web-based financial calculator. The method also includes searching a relational database, storing data shared by the plurality of web-based financial calculators, for the at least one identified input data element and determining whether there are any values in the relational database for the at least one identified input data element that are associated with the user. The method further includes populating the at least one identified input data element in the selected web-based financial calculator with a value associated with the user for the at least one identified input data element and providing the selected web-based financial calculator to the user.

US Patent:

8489476, Jul 16, 2013

Filed:

Aug 13, 2008

Appl. No.:

12/191234

Inventors:

Michael Wayne Lester - San Antonio TX, US
Stephen E. Lozier - Universal City TX, US

Assignee:

United States Automobile Association (USAA) - San Antonio TX

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

Systems and methods are disclosed for managing transaction data from a plurality of financial services for a suspicious activity monitor (SAM). In one implementation, transaction data from each financial service is conformed to a standard format for publication. The publication may occur either substantially in real time as each transaction is conducted, at predefined intervals, or in periodic batches. A SAM data manager may then retrieve and process the transaction messages, including filtering non-required transactions, removing levels of hierarchy from the data, arranging the data in a predefined document structure, adding tags that may be required by the SAM tool, and creating SAM messages. The SAM data manager may thereafter forward the SAM messages to the SAM tool for analysis. In some embodiments, the SAM data manager may also send any updates of member and account data contained in the transaction messages to a central repository for such data.