Patents Assigned to United Services Automobile Association
  • Patent number: 10325420
    Abstract: A system and method are disclosed for helping a user determine whether a vehicle is subject to a safety recall and assisting the user with addressing incomplete safety recalls. A vehicle identification number (VIN) may be extracted from an image of a vehicle captured by a user electronic device and used to request safety recall information from a remote information system, which may provide a list of recalls associated with the vehicle. A list of nearby service centers may be identified based on the physical location of the user electronic device, and service appointments to address any incomplete recalls may be scheduled, either automatically or in response to user input.
    Type: Grant
    Filed: March 9, 2017
    Date of Patent: June 18, 2019
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventor: Dexter Moon
  • Patent number: 10325085
    Abstract: The technology described herein detects a first device associated with a user that is within a detectable range of a second device. The system requests authentication information. In response to receiving the authentication information, a token generator associated with the user can generate a secure token. The secure token can be sent to the server. Once the secure token is verified, the user is granted access to one or more services.
    Type: Grant
    Filed: May 30, 2018
    Date of Patent: June 18, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Maland Keith Mortensen, Thomas Bret Buckingham, Gabriel Carlos Fernandez, Debra Randall Casillas
  • Patent number: 10320783
    Abstract: The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.
    Type: Grant
    Filed: January 22, 2018
    Date of Patent: June 11, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Thomas B. Buckingham, Richard A. Davey, Tammy Sanclemente, Ryan M. Johnson, Adam J. Leatham, Christopher Thomas Wilkinson
  • Patent number: 10318367
    Abstract: A method for detecting computer issues includes identifying a target computer system. A first set of data for a first time period relating an operating metric from the target computer system are received. The operating metric is stored. A second set of data for a second time period relating to the operating metric is received. The first and second sets of data are compared. A difference between the two sets of data is identified. If the difference between the two sets of data is within a range a warning notification is displayed in a graphical user interface. An input is received in the graphical user interface in response to the warning notification being displayed.
    Type: Grant
    Filed: May 13, 2016
    Date of Patent: June 11, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Manuel A. Carranza, Chase T. Sekula, Mark S. Moore, Mathew P. Ringer
  • Patent number: 10318762
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for securing data. One of the methods includes receiving, by a computer system, a network packet for analysis. The method includes determining, by the computer system, to examine the network packet for private data. The method includes identifying, by the computer system, private data in payload of the packet. The method includes encrypting the private data. The method includes storing the encrypted private data in a location separate from the payload. The method also includes obfuscating the private data by adding a reference to the location of the encrypted private data in the payload.
    Type: Grant
    Filed: March 3, 2016
    Date of Patent: June 11, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Thomas Bret Buckingham, Donald Nathaniel Holloway, III, Robert Aaron Ghavidel, Jennifer Nannery, Cory Landon Newsom, Robert Lawrence, Huihui Wu, Alejandra Valles
  • Patent number: 10318001
    Abstract: Techniques are described for dynamically determining the flow of screens to be presented in a user interface (UI) of an application executing on a computing device, based at least partly on a detected presence of a user device (e.g., a portable computing device) in a particular geographic area. Area designation data is transmitted to, and stored on, a user device. The area designation data can describe a geofenced area and/or beacon signals. In response to determining that the user device is in the geographic area indicated by the area designation data, the user device may transmit an alert signal that causes an interface flow to be dynamically determined and executed for an application executing on the computing device that is separate from the user device.
    Type: Grant
    Filed: April 26, 2017
    Date of Patent: June 11, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: James Malcolm Spears, John David Clark, Lisa Horgan, John David Windham
  • Patent number: 10320581
    Abstract: Methods and systems for pre-configuring a payment vehicle are described. In some embodiments, transaction criteria pertaining to a payment vehicle is proactively received in advance of an anticipated transaction. A transaction authorization request may be received from a point of sale device and may be generated by the point of sale device in response to an attempted use of the payment vehicle. Information about the transaction in the transaction request may be compared with the transaction criteria to determine whether to authorize the transaction.
    Type: Grant
    Filed: June 27, 2018
    Date of Patent: June 11, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: James Christopher Watson, Gina R. Smith
  • Patent number: 10318963
    Abstract: Described herein are systems and methods for determining the status and renewing a vehicle registration and/or inspection while a vehicle is located in proximity to a fuel dispensing apparatus. Data communication is established between the fuel dispensing apparatus and a vehicle located in proximity to the fuel dispensing apparatus. Data is received from the vehicle located in proximity to the fuel dispensing apparatus providing one or more identification characteristics of the vehicle. Analysis is performed using the one or more identification characteristics to determine a status of a vehicle registration and/or inspection for the vehicle located in proximity to the fuel dispensing apparatus.
    Type: Grant
    Filed: April 15, 2015
    Date of Patent: June 11, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Charles L. Oakes, III
  • Patent number: 10309860
    Abstract: The present disclosure relates to a water detection device that includes a water-activated battery configured to supply an electrical voltage upon contact with water, a device housing configured to receive the water-activated battery and one or more first electronic components, where the device housing has a plurality of ports that are configured to facilitate insertion and removal of the one or more first electronic components, and a modular housing disposed in a first port of the plurality of ports of the device housing, where the modular housing has one or more second electronic components communicatively coupled to the water-activated battery via the first port, such that the water-activated battery supplies the electrical voltage to the one or more second electronic components upon contact with water.
    Type: Grant
    Filed: June 28, 2017
    Date of Patent: June 4, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Kade Scott, Matthew T. Flachsbart, Cory Matheson, Benjamin D. Ethington
  • Patent number: 10301022
    Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may efficiently accomplish tasks by autonomously charging or replacing its power source.
    Type: Grant
    Filed: February 6, 2017
    Date of Patent: May 28, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventor: Kade Scott
  • Patent number: 10306068
    Abstract: Systems and methods solve functions relating to load balancing, call routing, and costs in call center networks for specific parameters. Systems and methods can also utilize machine learning to provide specific parameters relating to load balancing, call routing, and costs in call center networks.
    Type: Grant
    Filed: July 6, 2017
    Date of Patent: May 28, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bipin Chadha, Lambros Petropoulos
  • Patent number: 10304141
    Abstract: A method or system may comprise generating a plurality of routes to a destination of a vehicle. Traversal, by the vehicle, of a route may be determined by a telematics device. The telematics vehicle may be configured to monitor a location of the vehicle and motion of the vehicle. The telematics device may be configured to generate data associated with the traversal of the route, the location of the vehicle, or the motion of the vehicle. Driving behavior of the vehicle may be determined, based at least on the data. A rating associated with the vehicle or the traversal of the route may be determined, based at least on the driving behavior. A risk score may be determined for the route. The rating may be determined, based at least on the risk score. The rating may be determined, based at least on the driving behavior.
    Type: Grant
    Filed: August 4, 2017
    Date of Patent: May 28, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jodi Jean Healy, Keith Rodgers, Rod Gonzales, Robert Kenneth Dohner, Christine Marie Brown, Reynaldo Medina
  • Patent number: 10296875
    Abstract: An automated banking terminal for facilitating a financial transaction is provided. The automated banking terminal includes a processor, a display for presenting a set of customer menu options, and a communication interface. The automated banking terminal also includes expansion slots which have a mechanical interface and an electrical interface. Expansion modules may be connected to the processor through the expansion slots. An expansion module may be a cash dispensing module, a cash receiving and counting module, a check receiving module, a printer, a scanner, a biometric interface, a signature pad, an account card reader, or an account card programmer. The processor of the automated banking terminal is configured to detect the expansion module and determine additional menu options to supplement the customer menu options based on detecting the expansion module.
    Type: Grant
    Filed: July 2, 2012
    Date of Patent: May 21, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Gunjan Vijayvergia, Charles Lee Oakes, III
  • Patent number: 10298761
    Abstract: A computer-implemented method and system for enhancing interaction between a customer and a customer service representative of a company. Data related to the customer is stored and received at a computer operated by the company, wherein the data can include a customer name, a customer address and a customer number. A telephonic interaction is preferably commenced between the customer and the customer service representative and a Web session is preferably commenced on a Web site for a client computer of the customer service representative. At least a part of the data is displayed on a workstation of the customer service representative as a first Web page, wherein the first Web page includes at least one selectable link to a second Web page. At least one selectable link is selected by the customer service representative to display the second Web page.
    Type: Grant
    Filed: October 9, 2018
    Date of Patent: May 21, 2019
    Assignee: United Services Automobile Association
    Inventor: Guy R. Langley
  • Patent number: 10298566
    Abstract: Authentication mechanisms are disclosed. For example, an enterprise associated number or a social security number (SSN) can be provided to enter a first level. Then, any one of a ZIP code number, a device identifier, a date of birth, and a portion of the SSN can be provided to access applications in the first level. Lastly, a PIN can be provided to enter a second level of the enterprise. Additionally, these authentication mechanisms can be added and/or changed. In the former case, if a user used a SSN to enter the mentioned first level, then a date of birth can be used to update an authentication mechanism. Alternatively, if a user used an enterprise number to gain such access, then part of the SSN can be used for the update. If the user wants to change the authentication mechanism, the date of birth can be used for the update.
    Type: Grant
    Filed: April 30, 2018
    Date of Patent: May 21, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Richard E. Moore, Hector J. Castillo
  • Patent number: 10296897
    Abstract: Embodiments of the systems and methods described herein can detect that a user is accessing a payment webpage of a website associated with a merchant. The system can cause a window requesting authentication credentials associated with an account of the user to appear on a display of a computing device associated with the user. After the system has received and verified the authentication credentials, the system can create a merchant-specific virtual card linked to a pre-existing payment instrument associated with the account. The system can enter information associated with the merchant-specific virtual card in a payment section of the payment webpage. After receiving an authorization request for a transaction using the merchant-specific virtual card, the system can authorize the transaction based on a balance of the pre-existing payment instrument.
    Type: Grant
    Filed: April 30, 2018
    Date of Patent: May 21, 2019
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Huihui Wu, Alejandra Valles, Darrius M. Jones, Valmore M. Smith, Lonnie B. Roberts
  • Patent number: 10296907
    Abstract: Methods and systems described in this disclosure generally relate to presentation of electronic offers that are viewable on financial instruments (e.g., credit cards and debit cards) by users. More specifically, various embodiments of the present disclosure relate to methods and systems for embedding information pertaining to the electronic offers on a financial instrument of a user. The information can be displayed on a screen or using flashing lights included inside or on the surface of the financial instrument. These offers can be provided by merchants or by banks and financial institutions associated with the financial instrument. In some embodiments, the financial instrument communicates with a mobile application running on a user's mobile device via wireless communication methods to receive offer-related information provided by the mobile application.
    Type: Grant
    Filed: February 1, 2017
    Date of Patent: May 21, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Matthew Nolte, Marcus Lee Willard, Raquel Alexis Low, Michelle Leib, Emily Krebs, Bryan Osterkamp
  • Patent number: 10296909
    Abstract: Systems and methods for processing checks using 2D barcodes are provided. A user submits a digital image of a check that includes a 2D barcode. The 2D barcode has embedded positional information of one or more check features which can be decoded and compared to the check features optically identified on the digital image of the check. From this, a set of rotational and scaling adjustments can be computed by comparing estimated positional information with the positional information of the one or more check features retrieved from the barcode. A more accurate representation of the check is then produced by applying the set of rotational and scaling adjustments to the digital image of the check. Once a more accurate representation of the check has been produced, the check can be electronically processed using a routing transit number found on the check.
    Type: Grant
    Filed: November 25, 2013
    Date of Patent: May 21, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Andre Rene Buentello, Sharon Kay Haverlah
  • Patent number: 10289760
    Abstract: The present disclosure provides systems, methods, and machine-readable media for assessing potential water damage. One or more embodiments include surveying a structure with a sensor in communication with a mobile computing device, generating a model of the structure based on the survey of the structure, simulating water movement in relation to the structure to determine a potential for water damage to the structure, and determining whether to purchase flood insurance for the structure based on the simulation of the water movement in relation to the structure.
    Type: Grant
    Filed: May 23, 2013
    Date of Patent: May 14, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles L. Oakes, III, Bradly J. Billman, Wayne M. Hartman, Amanda Danko
  • Patent number: 10289813
    Abstract: Mechanisms are disclosed herein for storing various records. Numerous keys and parties can access online repositories. These repositories contain a plurality of lockboxes, structured hierarchically and otherwise, providing public and private areas with varying levels of access. Some content of such lockboxes can be sharable. These lockboxes can be used not only to store diverse content, ranging from birth certificates to deeds and social security numbers, but they can also be accessed in a variety of ways. For example, keys to lockboxes can be made available by such events as the issuing of death certificates or birth certificates. Alternatively, keys can be issued according to various rules and heuristics stipulated by lockbox users. In either case, the plurality of lockboxes residing in repositories can be configured to provide centralized storage facilities that are secure and readily accessible from various computing devices.
    Type: Grant
    Filed: June 13, 2017
    Date of Patent: May 14, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Randy Ray Morlen, Charles Lee Oakes, Rickey Dale Burks