ALEXANDRIA, Va., March 5 -- United States Patent no. 12,243,090, issued on March 4, was assigned to United Services Automobile Association (USAA) (San Antonio).
"Digital reputation management" was invented by Jennifer Hunt Erickson (San Antonio), Bharat Prasad (San Antonio) and Snehal Desai (Richardson, Texas).
According to the abstract* released by the U.S. Patent & Trademark Office: "Embodiments described herein disclose methods and systems for managing a digital reputation of a user. The exemplary method can receive information about an item to be purchased by the user, determine in real-time or near real-time, based on one or more financial factors, a first digital reputation score indicative of an effect of the item on the user's dig...