Ron M Digiacomo

US Patent:

8200576, Jun 12, 2012

Filed:

Dec 30, 2005

Appl. No.:

11/322498

Inventors:

Steven Dale Zettner - San Antonio TX, US
Ron DiGiacomo - San Antonio TX, US

Assignee:

United Services Automobile Association (USAA) - San Antonio TX

International Classification:

G06Q 30/00

US Classification:

705 39

Abstract:

Method and system are disclosed for conducting a commercial transaction requiring a monetary loan online. The method/system allows a consumer or borrower to access a lending institution over a network connection and apply for a monetary loan online. The loan application is processed in real time and the borrower is notified of the type of loan, loan amount, interest rate, etc. , that he/she is qualified for. Upon acceptance of the loan terms, the borrower is provided with a personal identification number (PIN) and a unique lender transaction ID that serves as confirmation of the loan. The lender transaction ID may then be taken to a suitable seller and used to conduct the transaction. The seller simply accesses the lending institution over a network connection, enters the lender transaction ID, the borrower's PIN, and other transaction-related information, and the lending institution automatically sends the appropriate payment to the seller.

US Patent:

7996303, Aug 9, 2011

Filed:

Dec 30, 2005

Appl. No.:

11/323202

Inventors:

Steven Dale Zettner - San Antonio TX, US
Ron DiGiacomo - San Antonio TX, US

Assignee:

United Services Automobile Association (USAA) - San Antonio TX

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35, 705 36, 705 37, 705 39, 705 40, 235379, 235380

Abstract:

Method and system for conducting a commercial transaction requiring a monetary loan online to allow a consumer or borrower to access a lending institution over a network connection and apply for a monetary loan online. The loan application is processed in real time and the borrower is notified of the type of loan, loan amount, interest rate, etc. , that he/she is qualified for. Upon acceptance of the loan terms, the borrower is provided with a personal identification number (PIN) and a unique lender transaction ID that serves as confirmation of the loan. The lender transaction ID may then be taken to a suitable seller and used to conduct the transaction. The seller simply accesses the lending institution over a network connection, enters the lender transaction ID, the borrower's PIN, and other transaction-related information, and the lending institution automatically sends the appropriate payment to the seller.

US Patent:

8121946, Feb 21, 2012

Filed:

Aug 1, 2006

Appl. No.:

11/461735

Inventors:

Michael Arguello - San Antonio TX, US
Steven Dale Zettner - San Antonio TX, US
Ron DiGiacomo - San Antonio TX, US

Assignee:

United Services Automobile Association - San Antonio TX

International Classification:

G06Q 40/00

US Classification:

705 40, 705 38

Abstract:

Method and system are directed to capturing consumer agreement to the terms of a transaction conducted online. The method/system uses a modular electronic signature block that may be applied to electronic versions of any standardized form. The electronic signature is implemented in a non-invasive way that does not alter or replace the contents of the electronic forms. The modular nature of the electronic signature block allows a separate electronic signature to be used for each online form, or a single electronic signature for multiple online forms. The online forms themselves are generated by populating a generic template of the standardized forms with consumer-specific data. The electronically-signed forms may thereafter be stored as data for a particular template. Such an arrangement provides a more secure, reproducible, verifiable, and unalterable means of capturing consumer consent, thereby allowing consumer transactions to be conducted entirely online.