Patents Assigned to United Services Automobile Association (USAA)
  • Patent number: 11979429
    Abstract: An applet may be downloaded or provided to a web browser when a user visits a site in order to protect data input by the user from being captured by malicious software, such as key loggers. The applet may present a user input field in the web browser and may generate a random sequence of low-level key stroke or mouse click events within the input field when the user enters information, such as a username and/or password. A listening key logger will receive a large amount of random data, whereas the applet will receive and buffer the actual user data that may be communicated to a remote site access by the user.
    Type: Grant
    Filed: April 3, 2023
    Date of Patent: May 7, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Teddy Joseph Edmond Voutour, Michael Frank Morris
  • Patent number: 11978124
    Abstract: A system and method for automatically detecting if a home alarm system is being used and/or actively monitored are disclosed. The system and method use data gathered from one or more sensors, including audio information from microphones. The audio information is analyzed using a machine learning system to determine if the alarm system is being regularly used and monitored. The system and method can also automatically update a policy holder's insurance policy to reflect whether or not an alarm system is being used.
    Type: Grant
    Filed: September 29, 2022
    Date of Patent: May 7, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kelly Q Baker, Sumita T. Jonak, Will Kerns Maney
  • Patent number: 11977595
    Abstract: A system includes a processor and a database having first data indexed therein and indicative of a plurality of online websites. The processor is configured to receive, via a search engine account, second data indicative of a search string. The processor is also configured to determine an additional online account linked with the search engine account, and locate, in the additional online account and based on the second data, third data correlated to the search string. The processor is also configured to search the database to locate a subset of the first data by identifying a correspondence between the subset of the first data and a combination of the second data and the third data. The processor is also configured to format, based on the subset of the first data, search results displayable on a display of a user device.
    Type: Grant
    Filed: June 30, 2022
    Date of Patent: May 7, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Elena Marie Carrasco, Nolan Serrao, Ravi Durairaj, Joel S. Hartshorn, Jeanie Graciela Lopez
  • Patent number: 11978113
    Abstract: Techniques are described for cross-device presentation. During a speech interaction with a conversational user interface (CUI) executing on an input device, such as a personal assistant (PA) device or other computing device, a user may utter one or more search terms to search for an item, such as a vehicle to purchase. The search term(s) may be employed by a search engine to identify one or more items that correspond to the search term(s). The search engine can generate recommendation information that includes a description of the item(s) corresponding to the search term(s). The recommendation information can be communicated to an output device that is registered to, or otherwise associated with, the user who spoke the search term(s) to the input device. In some instances, the recommendation information can be presented through speech output on the PA device or other device.
    Type: Grant
    Filed: May 31, 2023
    Date of Patent: May 7, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Philip Andrew Leal, Ricardo Alcantar
  • Patent number: 11977860
    Abstract: Systems and methods for analyzing Robotic Process Automation (RPA) code are provided. A robotic process automation (RPA) file is received. RPA data within the RPA file is parsed and restructured for rendering in a code-review graphical user interface (GUI). A code-review GUI with the restructured RPA data is then rendered.
    Type: Grant
    Filed: June 20, 2022
    Date of Patent: May 7, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Emily Kathleen Krebs, Jonathan Aguirre, Brian Scott Funderburk
  • Patent number: 11972760
    Abstract: The present disclosure relates to detecting the use of fake voice command to activate microphones of smart devices. In one embodiment, sound characteristics associated with an audio signal from a microphone of smart device may be compared with other microphones of the smart device in order to detect fake voice commands. In another embodiment, sound characteristics associated with the audio signal from the microphone may be compared with a threshold range of stored sound characteristics in order to detect fake voice commands. In some embodiments, a controller may triangulate a position associated with a source of a sound in order to detect a fake voice command. In a further embodiment, a controller may verify that a user or associated electronic device are near a smart device to authorize a voice command.
    Type: Grant
    Filed: July 28, 2020
    Date of Patent: April 30, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Carlos J P Chavez, Sacha Melquiades De'Angeli, Oscar Guerra, David M. Jones, Jr., Gregory Brian Meyer, Christopher Russell, Arthur Quentin Smith
  • Patent number: 11972304
    Abstract: Implementations are disclosed to automatically evaluate, detect, or predict an event, and provide customized virtual assistance to a user based on the event. The implementations include a system capable of pulling data from a client device, detecting an event based on the pulled data, and pushing customized digital resources to the client device based on the detected event.
    Type: Grant
    Filed: May 25, 2021
    Date of Patent: April 30, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ravi Durairaj, William Daniel Farmer, Joel S. Hartshorn, Qunying Kou, Gregory Yarbrough
  • Patent number: 11972462
    Abstract: A system includes a computing device comprising a memory storing instructions configured to cause a processor to receive: purchase data associated with products purchased by a user, online activity data performed by the user and other users and associated with information pertaining to the products, and vendor information comprising retail sales data, after-market sales data, and product availability associated with the products. The processor determines one or more values of the products based on the purchase data, the online activity data, and the vendor information and whether the purchased products correspond to specialty products based on the purchase data, the online activity data, and the values of the products. The processor may then send a notification to the user comprising an offer for insurance for the products in response to determining the products correspond to specialty products.
    Type: Grant
    Filed: April 15, 2022
    Date of Patent: April 30, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Galo M. Alava, Amanda Michelle Boyd, Ramsey Devereaux, Gregory Mark Lamontagne, Elizabeth J. Rubin, Brian Tougas, Courtney St. Martin, Michael Kyne
  • Patent number: 11966939
    Abstract: A computer device and method for processing risk related data to determine one or more insurance products for appliances and other systems located in or on an insured property. Informatic data is received from one or more informatic sensor devices relating to one or more appliances located in or on an insured property. Analysis is performed on the received informatic data to determine one or more insurance products to be recommended for at least one appliance located in or on the insured property. Notification is provided regarding determination of the one or more insurance products for the at least one appliance located in or on the insured property.
    Type: Grant
    Filed: September 3, 2021
    Date of Patent: April 23, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, Michael J. Allen, Spencer Read, David S. Franck, William M. Chandler, Daniela M. Wheeler, Kathleen L. Swain
  • Patent number: 11967311
    Abstract: The present embodiments relate to on demand generation of curated audio content. Responsive to initiation of an electronic communication by a client, audio relating to a client speaking to the operator can be processed to derive a series of insights relating to features of the audio. Previously recorded audio relating to the operator can be combined with a text-based script to generate audio content. The audio content can be modified using the series of derived insights. The modified audio content can include a series of disclaimers that are played back to the client. Generation of the modified audio content can be dynamically generated responsive to detecting a trigger that allows for on-demand generation of the modified audio content.
    Type: Grant
    Filed: June 30, 2021
    Date of Patent: April 23, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ruthie Lyle, Vijay Jayapalan, Gregory B. Yarbrough
  • Patent number: 11968216
    Abstract: A method and system of securely enrolling delegates with an account management service so that the delegates can manage access to funds on behalf of a primary account holder is disclosed. The method and system include generating new profiles for proposed delegates, setting delegate approval policies, ensuring a sufficient number of delegates have been selected, and confirming the identity of each delegate.
    Type: Grant
    Filed: August 29, 2022
    Date of Patent: April 23, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ryan Thomas Russell
  • Patent number: 11968595
    Abstract: A method of determining a physical location for an address. The method includes receiving from a first global positioning system on a vehicle a first set of global positioning data indicative of a vehicle location. The method may also receive from a second global positioning system on a portable electronic device a second set of global positioning data indicative of a portable electronic device location. The method may also receive a set of location metadata associated with a picture. The method determines a residence location from the first set of global positioning data, the second set of global positioning data, or the set of location metadata. The method then associates the physical location to the address.
    Type: Grant
    Filed: November 8, 2021
    Date of Patent: April 23, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Emily Margaret Gray, Daniel Christopher Bitsis, Jr., Qunying Kou, Robert Wiseman Simpson, Manfred Amann, Donnette Moncrief Brown, Eric David Schroeder, Meredith Beveridge, Michael J. Maciolek, Bobby Lawrence Mohs, Brian F. Shipley, Justin Dax Haslam, Ashley Raine Philbrick
  • Patent number: 11968325
    Abstract: Technology for identifying that a communication is from a verified enterprise includes receiving, by a device associated with a user, a data packet from a phone network. The data packet can be included in a communication to the device, which can have an application configured to verify communications from at least one enterprise. A token within the data packet can be identified by the application, and the application can compare the token to at least one token identifier associated with the at least one enterprise. In response to the token corresponding to at least one token identifier, the application can verify that the communication is from the at least one enterprise. In response to the communication being verified, the application can display a validation image on the device.
    Type: Grant
    Filed: January 13, 2023
    Date of Patent: April 23, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Michael W. Howell
  • Patent number: 11960909
    Abstract: A method and system of providing users with session-specific layouts during access of an application based on contextual data. The system identifies contextual data for each application access session and associates the contextual data with a particular in-app activity. The in-app activity corresponds to a task that is typically performed by the first user when the specific contextual data is detected. The contextual data can include location data, time and date data, and device type data.
    Type: Grant
    Filed: February 16, 2022
    Date of Patent: April 16, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Yevgeniy Viatcheslavovich Khmelev, Robert Andrew Massie, David Campbell, Gregory Brian Meyer
  • Patent number: 11962721
    Abstract: A system can route calls based on a minimum expected delay, classification, and priority of the call. In some embodiments, when a call is received, the call is classified and prioritized within the classification. A minimum expected delay time is determined. Based on the minimum expected delay time, the classification, and the prioritization, the call is routed to a representative with instructions on how the call should be treated.
    Type: Grant
    Filed: January 11, 2023
    Date of Patent: April 16, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Peter H. McKenna, Darrius M. Jones, Kory Michael Upton, Enrique Tamayo, Allen J. Guidry, Julio Estevez-Breton
  • Patent number: 11957941
    Abstract: A fire suppressing insulation. This insulation will create a barrier that blocks a fire to protect a structure from damage and will assist in suppressing the fire. Also, a fire suppression system including two walls, such as an interior wall and an exterior wall or two interior walls. The walls are spaced apart from each other by a divider to define an interior volume. At least a portion of the interior volume includes fire suppressing insulation that will form a fire suppressing intumescent barrier between the walls when exposed to the heat of a fire.
    Type: Grant
    Filed: July 28, 2020
    Date of Patent: April 16, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Emily Margaret Gray, Brian Francisco Shipley, Justin Dax Haslam, Robert Wiseman Simpson, Donnette Moncrief Brown, Eric David Schroeder, Michael J. Maciolek, Bobby Lawrence Mohs, Manfred Amann, Rochelle Ann Tijerina, Meredith Beveridge
  • Patent number: 11962717
    Abstract: Technology for determining a queue position of a call from a user can include receiving, at an enterprise, the call from a user device associated with the user. The user device includes an application associated with the enterprise. The call is placed into an on-hold queue. A weighted level of importance associated with the call is determined based on call history information associated with the user device and call frequency associated with the user. The weighted level of importance is compared to at least one weight threshold. A wait time for the call is decreased based on the weighted level of importance meeting or exceeding the at least one weight threshold.
    Type: Grant
    Filed: October 11, 2022
    Date of Patent: April 16, 2024
    Assignee: United Services Automobile Association (USAA
    Inventors: Gregory David Hansen, Megan Sarah Jennings, Emily Margaret Gray, Gregory B Yarbrough, Charles Balasingh, Janelle Denice Dziuk, Samip Dilip Mehra, David Patrick Dixon
  • Patent number: 11961048
    Abstract: A system and method for home security, and in particular to notifying residents of a home of a visitor's presence and providing an automatic assessment of the visitor's legitimacy, is disclosed. In one example, the system can be configured to automatically identify a logo worn by the visitor using optical recognition and generate a notification for the resident that identifies the company. In another example, the system can request presentation of an encrypted key that should be stored on the visitor's computing device. In another example, the system can query a database of scheduled services and determine if a person was requested or scheduled for a visit. In some embodiments, the system can assign a security token to the merchant which will be required at the time of the appointment.
    Type: Grant
    Filed: October 19, 2021
    Date of Patent: April 16, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Bradly Jay Billman
  • Patent number: 11953429
    Abstract: Systems and methods of the present disclosure include at least one building component detection sensor device configured to be deployed within (or proximate to) a building comprised of a plurality of building components. The at least one building component detection sensor device is configured to detect data relating to at least one building component of the plurality of building components. In addition, a building component property determination system includes a processor configured to execute instructions stored in memory to determine one or more properties of the at least one building component based at least in part on the data detected by the at least one building component detection sensor device.
    Type: Grant
    Filed: May 8, 2023
    Date of Patent: April 9, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Emily Margaret Gray, Daniel Christopher Bitsis, Jr., Qunying Kou, Robert Wiseman Simpson, Manfred Amann, Donnette Moncrief Brown, Eric David Schroeder, Meredith Beveridge, Michael J. Maciolek, Bobby Lawrence Mohs, Brian F. Shipley, Justin Dax Haslam, Ashley Raine Philbrick, Yevgeniy Viatcheslavovich Khmelev, Oscar Guerra, Jeffrey Neal Pollack, Janelle Denice Dziuk, Ryan Thomas Russell, David Patrick Dixon
  • Patent number: 11954684
    Abstract: A system and method for providing proof of a digital identification of a user which may include activating, on a mobile computing device, a bank application and a digital identification service provider application, and which may allow the bank application to have access to user accounts after the bank application receives a digital identification from the digital identification service provider application in order to provide proof of identify with speed and security.
    Type: Grant
    Filed: August 18, 2022
    Date of Patent: April 9, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Patrick Adam, Dustin Starr Trimmier, Steven Gonzalez