Patents Assigned to United Services Automobile Association
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Patent number: 12294862Abstract: A fraud detection system includes a source communication device associated with a source and a client device associated with a client to identify fraudulent calls to provide mitigating or remedial actions. The client device includes a memory that stores instructions and a processor that executes the instructions. The instructions cause the client device to monitor a wireless communication between the client device and the source communication device to identify a keyword, a combination of keywords, a context, and/or a topic of the wireless communication. Moreover, the instructions cause the client device to identify fraudulent detection characteristics of the wireless communication based at least in part of the keyword, the combination of keywords, the context, and/or the topic, identify the wireless communication as fraudulent communication based on the fraudulent detection characteristics, and identify and implement a remedial action based at least in part on a threshold of the wireless communication.Type: GrantFiled: October 30, 2020Date of Patent: May 6, 2025Assignee: United Services Automobile Association (USAA)Inventors: Rachel Elizabeth Csabi, Hollie Ilene King, Victor Kwak, Zachery C. Lake, Yogen Rai, Samantha Elizabeth Taylor, Nicholas C. Wheeler
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Patent number: 12294673Abstract: 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: GrantFiled: March 14, 2024Date of Patent: May 6, 2025Assignee: United Services Automobile Association (USAA)Inventor: Michael W. Howell
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Patent number: 12291332Abstract: Unmanned vehicles may be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may accomplish tasks by breaking out into sub-drones, re-grouping itself, changing form, or re-orienting its sensors.Type: GrantFiled: January 22, 2024Date of Patent: May 6, 2025Assignee: United Services Automobile Association (USAA)Inventors: Kade Scott, Snehal Desai, Richard Daniel Graham, Matthew Flachsbart
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Patent number: 12291052Abstract: Embodiments are described herein for a teller check that includes enhanced security features. In response to a request from a user, a teller check image is generated using a check template and that includes check information in fields of the check template. The teller check also includes a unique visible pattern or unique visible picture in the image that serves as an enhanced security feature. A captured image or received image of the teller check is able to be verified based on data extracted from the unique visible pattern or unique visible picture.Type: GrantFiled: September 12, 2022Date of Patent: May 6, 2025Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Andre Rene Buentello, Mark Anthony Lopez, Gregory Brian Meyer, Ashley Raine Philbrick, Garrett Rielly Rapport, Jose L. Romero, Jr., Michael Jay Szentes
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Patent number: 12294593Abstract: Disclosed herein are systems and methods of executing scanning software, such an executable software program or script (e.g., PowerShell script), by a computing device of an enterprise, such as a security server, may instruct the computing device to search all or a subset of computing devices in an enterprise network. The scanning software may identify PowerShell scripts containing particular malware attributes, according to a malicious-code dataset. The computing system executing the scanning software may scan through the identified PowerShell scripts to identify particular strings, values, or code-portions, and take a remedial action according to the scanning software programming.Type: GrantFiled: January 19, 2024Date of Patent: May 6, 2025Assignee: United Services Automobile Association (USAA)Inventor: Robert Neel
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Patent number: 12293407Abstract: A system may include a processor that may receive an indication of an amount of funds deposited into an account, convert the amount of funds into a number of tokens using a multiplier, and generate a visualization representative of a growth rate of the number of tokens over a period of based on an interest rate. The interest rate may be defined by a user with supervisor authority over the account. The processor may then display the visualization via an electronic display and periodically transfer an additional amount of funds from an additional account associated with the user to the account in response to the amount of funds remaining in the account after a period of time.Type: GrantFiled: July 18, 2022Date of Patent: May 6, 2025Assignee: United Services Automobile Association (USAA)Inventors: Yogen Rai, Rachel Elizabeth Csabi, Yan Pei
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Patent number: 12292935Abstract: Methods and systems described herein are directed to obtaining various types of information that can provide an accounting for an individual's legacy that can be replayed to learn about objects and/or experiences associated with the individual. A personal legacy accountant can generate a legacy profile using automatically obtained public records and personal records supplied by the individual, and afford the individual an opportunity to contextualize records for the profile. Through this contextualization, the individual can selectively define one or more perspectives for her legacy.Type: GrantFiled: November 15, 2022Date of Patent: May 6, 2025Assignee: United Services Automobile Association (USAA)Inventors: Thomas Mercer Harper, Noe Alberto Martinez, Keegan Patrick Hayes, Jennifer Dawn Ayala, Jennifer Marie Chandler-Bradley, Joseph H. Louwagie, III, Mathew Cyriac Kottoor, Emily Nicole Van Santen
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Patent number: 12293313Abstract: A system comprises one or more modules to access a business rule, deconstruct the business rule into a condition and an associated action, determine a set of questions relevant to the condition, place the set of questions into a question queue, order the question queue, and present the question queue to a user. A system comprises one or more modules to determine a subject of the request received from a user, use the subject to obtain a set of relevant questions, examine each question and determine whether an answer to a current question is available in a storage area, and present the current question when the answer is not available. A system comprises one or more modules to access a decision tree, determine a current node, determine an estimated number of nodes between the current node and a leaf node, and present a representation using the estimated number of nodes.Type: GrantFiled: June 16, 2022Date of Patent: May 6, 2025Assignee: United Services Automobile Association (USAA)Inventor: Reynaldo Medina, III
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Patent number: 12293327Abstract: Embodiments described herein disclose methods and systems for community item distribution. In some implementations, the community item distribution system includes a platform for users to post information regarding items they want to share with the community. The community item distribution system can categorize the information and establish donation parameters for the shared items. The donation parameters can include where and when items can be donated or retrieved, what types of items can be donated, and who can request the donated items. In some cases, the community item distribution system can generate a user interface listing the available items that users can request. Upon request of an item, the community item distribution system can schedule a drone to transport the item, in a secured container with ultraviolet lights to disinfect the item, from the storage location to the delivery location.Type: GrantFiled: March 29, 2022Date of Patent: May 6, 2025Assignee: United Services Automobile Association (USAA)Inventor: Ashley Raine Philbrick
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Patent number: 12289519Abstract: A package in which an onboard computing system and a plurality of sensor devices are embedded. The package includes a plurality of cameras that are positioned against sidewalls of the package in order to capture image data of the external environment. When the computing system determines the package has arrived at a predesignated set of coordinates corresponding to a target property for which an appraisal is to be performed, the cameras are activated and begin collecting image data. The image data is transmitted to a remote server which will store the image data for review by insurance personnel.Type: GrantFiled: March 30, 2023Date of Patent: April 29, 2025Assignee: United Services Automobile Association (USAA)Inventors: Michael J. Maciolek, Donnette L. Moncrief Brown, Manfred Amann, Timothy Frank Davison, Snehal Desai, Nicole Ferretti, Rachel Michelle Ballew, Chung Shing Sheldon Lee, Martin Lopez, Kelsey Anne O'Brien, Melissa Jane Porter, Sayeef Rahim, Eric David Schroeder, Steven J. Schroeder, Joseph Michael Vesco
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Patent number: 12285868Abstract: Overlapping functions called in robotic process automation scripts may be used to create new efficiencies in an IT infrastructure. For example, the overlaps may be used to identify code modification impact in the IT infrastructure, may be used to remediate duplication of coding efforts across silos in an organization, and may be merged to create new efficiencies in code/script storage and/or sustaining efforts.Type: GrantFiled: February 10, 2022Date of Patent: April 29, 2025Assignee: United Services Automobile Association (USAA)Inventors: Pradeep R. Mangalari, Dustin Bitter, Gregory Meyer, Christopher Russell, Jeanie Graciela Lopez, Carol Lyn Lawrence, Timothy Benjamin Czerlinsky
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Patent number: 12288219Abstract: A computer-implemented method includes receiving, via processing circuitry and from a customer interface device (CID), a customer communication and first authentication data, searching, via the processing circuitry, a database for a customer account corresponding to the customer communication, receiving, at the processing circuitry and from the database, first registered data corresponding to the customer account, and determining, via the processing circuitry, a first security challenge having a first security level category of a plurality of security level categories.Type: GrantFiled: October 7, 2021Date of Patent: April 29, 2025Assignee: United Services Automobile Association (USAA)Inventors: Timothy Blair Chalmers, Ramsey Devereaux, Dwayne Phillip Wilson
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Patent number: 12282584Abstract: Ways of protecting personally identifiable information stored in an onboard computing system of a vehicle allow improved data security of drivers. The system and method is configured to automatically trigger a deletion or encryption of personal data stored in the motor vehicle in response to an event or other information indicating that the vehicle is outside of the custody of the owner or some other loss of control event.Type: GrantFiled: July 18, 2023Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: Meredith Beveridge, James Stephan Harrison, Sumita T. Jonak
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Patent number: 12284402Abstract: Systems and methods that can automatically generate synthetic videos depicting alternative scenarios that may be consistent with recorded video. Systems and methods leverage machine learning systems that can generate synthetic video information using autoencoders and generative adversarial networks that have been trained on previous video data. Systems and methods further include a scenario dashboard that allows users of the system to select recorded videos and other settings that serve as inputs, or constraints, on the synthetically generated videos.Type: GrantFiled: August 29, 2022Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: Joel S. Hartshorn, Mark Paxman Warnick, Will Kerns Maney, Jr., Elena Marie Carrasco, Sumita T. Jonak, Ravi Durairaj, Nolan Serrao, Nathan Lee Post
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Patent number: 12284187Abstract: A micropattern detection-based method and system of performing an authentication of video of a person in order to authorize access to a secured resource is provided. The user provides image data in which they present a secondary computing device with a specially fabricated screen cover. The screen cover includes a plurality of micro-holes that collectively provide a unique micropattern. When the user adjusts a display setting, the micropattern, previously cloaked, becomes apparent as an arrangement of pinpoints of light. The system and method are configured to evaluate the image data to determine whether the micropattern is present. If a micropattern is present, the system determines the image is authentic and can verify an identity of the person. In some cases, the system can further be configured to automatically grant the person access to one or more services for which they are authorized.Type: GrantFiled: January 27, 2023Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: Brian Francisco Shipley, Brian Tougas, Gideon Bowie Luck, Sean Carl Mitchem, Christopher Russell, Andre Rene Buentello, Jose L. Romero, Jr., David Joaquin Harris
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Patent number: 12282570Abstract: The current embodiments include systems and techniques for sharing information between vendors where the information is siloed due organizational constraints. Vendors that provide services for one entity of an organization may be unknown to another entity within the same organization. The systems and techniques provided herein facilitate sharing of this information of the vendor across various entities in the organization.Type: GrantFiled: March 2, 2022Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: David M. Jones, Jr., Robert Lee Black, Timothy Blair Chalmers, Gideon Bowie Luck, Sumita T. Jonak, Ana Rosa Maldonado, Oscar Roberto Tijerina
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Patent number: 12283813Abstract: A non-transitory computer-readable medium has instructions that, when executed by processing circuitry, are configured to cause the processing circuitry to perform operations that include determining net electric power consumption associated with a first consumer, determining that the net electric power consumption associated with the first consumer is below a threshold level, reducing central electric power distributed from a central electric power source to the first consumer to obtain additional central electric power in response to determining that the net electric power consumption associated with the first consumer is below the threshold level, and distributing the additional central electric power to a second consumer in response to reducing the central electric power distributed to the first consumer.Type: GrantFiled: March 30, 2022Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: Andre Rene Buentello, Dustin Bowen Bitter, Brennen Michael Ricks, Jose L. Romero, Jr.
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Patent number: 12282963Abstract: Methods and systems described herein are directed to automatedly generating and issuing accident data gathering recommendations for a vehicle accident occurrence. In response to a recommendation system detecting an occurrence of a vehicle accident, the system can retrieve initial accident data for the occurrence. Using the initial accident data, the system can generate accident data gathering recommendations to obtain additional accident data via mapping to one or more characteristics for the vehicle accident occurrence. The recommendations, when executed, can yield additional accident data that can be compiled with the initial accident data into a vehicle accident evidence package.Type: GrantFiled: February 8, 2022Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: Angelica Nichole White, Sean Carl Mitchem, Sean Michael Wayne Craig, Subhalaskshmi Selvam, Christopher Russell, Brian Howard Katz, Roberto Virgillio Jolliffe
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Patent number: 12279886Abstract: Smart gear, which includes electrically conductive fabric, is provided to monitor health parameters, conduct transactions, and generate power. For example, the smart gear may include one or more sensors coupled to the fabric and/or electrically conductive fibers woven into the fabric. The one or more sensors may monitor health parameters such as breathing patterns, sleep patterns, heart murmurs, and so forth. The smart gear may include one or more wireless regions that power electronic devices based on inductive charging.Type: GrantFiled: February 26, 2021Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: Carlos J P Chavez, Andrea Marie Richardson, Janelle Denice Dziuk, Oscar Roberto Tijerina, Valmore M. Smith, Gregory David Hansen, Gregory Brian Meyer, Courtney St. Martin
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Patent number: 12277930Abstract: 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: GrantFiled: March 21, 2024Date of Patent: April 15, 2025Assignee: United Services Automobile Association (USAA)Inventors: Ruthie Lyle, Vijay Jayapalan, Gregory B Yarbrough