Patents Assigned to United Services Automobile Association (USAA)
-
Patent number: 12265888Abstract: A system and method for performing machine learning in a mobile computing device which is configured to be coupled with a cloud computing system is disclosed. The method may include activating, on the mobile computing device, a machine learning application, which accesses a local machine learning system including a local machine learning model, periodically updating the local machine learning system based upon updates for the local machine learning system received from a global machine learning system hosted by the cloud computing system, performing machine learning based on received training data, and periodically transmitting changes to the local machine learning system from the mobile computing device to the global machine learning system hosted by the cloud computing system.Type: GrantFiled: May 28, 2020Date of Patent: April 1, 2025Assignee: United Services Automobile Association (USAA)Inventors: Gregory Brian Meyer, Mark Anthony Lopez, Ravi Durairaj, Nolan Serrao, Victor Kwak, Ryan Thomas Russell, Christopher Russell, Ruthie D. Lyle
-
Patent number: 12265644Abstract: Techniques are described for managing internet-of-things (IoT) devices, such as managing the storage of data generated by the IoT devices, managing the access, to the data, by users, processes, and/or other entities, managing command and control of the devices, and so forth. In some implementations, an IoT platform is provided for IoT device management, and the IoT platform can be agnostic with respect to providers. For example, the IoT platform may provide one or more common interfaces that enable communications with IoT devices that are manufactured by different device providers. In some implementations, a distributed ledger system (DLS) is employed to facilitate IoT device management. For example, the DLS can act as a gateway and/or overall interface to control access of users, processes, devices, IoT device providers, and/or other entities to the IoT devices and/or to an IoT platform.Type: GrantFiled: September 20, 2022Date of Patent: April 1, 2025Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Thomas Bret Buckingham
-
Patent number: 12267294Abstract: Systems and techniques are provided herein to enable an authoritative DNS zone to selectively utilize a forwarding service to resolve domain names that cannot be resolved by the authoritative DNS zone. A forwarder indication may be provided in an authoritative DNS zone configuration file specific to the authoritative DNS zone to indicate whether the forwarding service is active.Type: GrantFiled: February 8, 2024Date of Patent: April 1, 2025Assignee: United Services Automobile Association (USAA)Inventor: Jason Paul Larrew
-
Patent number: 12264992Abstract: A system configured to monitor a condition of a fluid conduit includes a leak detection sensor assembly having a first electrical conductor and a second electrical conductor positioned on the fluid conduit. The system also includes one or more additional sensor assemblies positioned on the fluid conduit. The system further includes a controller configured to determine a presence of a leak along the fluid conduit in response to a resistance of a leak detection electrical circuit formed by the first electrical conductor and the second electrical conductor indicating that the leak detection electrical circuit is closed and data from the one or more additional sensor assemblies indicating the presence of the leak along the fluid conduit.Type: GrantFiled: September 29, 2022Date of Patent: April 1, 2025Assignee: United Services Automobile Association (USAA)Inventors: Eric David Schroeder, Ashley Raine Philbrick, Carlos J P Chavez, Manfred Amann, Donnette L. Moncrief Brown
-
Patent number: 12265955Abstract: A payment card may include a physical encoder integrated into a card body of the payment card. The physical encoder encodes data unique to the payment card and enables a point-of-sale system to read the data unique to the payment card to facilitate a transaction. The payment card may also include an electronic display integrated into the card body. The payment card may further include a card computing system integrated into the card body and having one or more processors that are configured to receive account information related to an account associated with the data unique to the payment card and to instruct the display to display the account information for visualization by a user of the payment card.Type: GrantFiled: September 23, 2020Date of Patent: April 1, 2025Assignee: United Services Automobile Association (USAA)Inventors: Ashley Raine Philbrick, Oscar Guerra, Kelly Q. Baker, Janelle Denice Dziuk
-
Non-fungible token transaction management systems and methods for user verification or credentialing
Patent number: 12259962Abstract: A non-fungible management system may generate non-fungible tokens based on credential data of a user. In one example, a non-fungible token can be generated responsive to receiving credential data for the user, whereby the credential data is received from a verified credentialing organization. Non-fungible tokens based on credential data can be held in a digital wallet of the user, used as a resume or record of achievement, and/or traded in a marketplace.Type: GrantFiled: February 28, 2022Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventors: Mark Paxman Warnick, Bharat Prasad, Carlos J P Chavez, Ravi Durairaj, Mitzi Ruiz, Theresa Marie Matowitz, Huihui Wu -
Patent number: 12257464Abstract: A fire prevention system for a building. The fire protection system has an inlet duct having an interior end and an exterior end. An air handler is disposed at the interior end of the inlet duct to provide air from outside the building to the air handler. A flame arrester is located at the exterior end of the inlet duct to prevent burning embers from entering the inlet duct. The fire protection system also includes an interior duct system for distributing air from the air handler through the building. Distribution vents in the interior duct system allow flow of air from the interior duct system to the interior of the building to raise the pressure in the building above the outside pressure. Exhaust vents to allow flow of air out of the building. Also, a method for fire prevention for a building exposed to a fire.Type: GrantFiled: October 27, 2021Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventors: Manfred Amann, Justin Dax Haslam, Ravi Durairaj, Matthew Ryan Santacroce, Snehal Desai, Eric David Schroeder, Donnette L. Moncrief Brown, Meredith Beveridge, Michael J. Maciolek, Robert Wiseman Simpson, Timothy Frank Davison
-
Patent number: 12260409Abstract: 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: GrantFiled: January 23, 2024Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventors: Patrick Adam, Dustin Starr Trimmier, Steven Gonzalez
-
Patent number: 12257359Abstract: An automated teller system is provided that includes a user interface configured to receive user input, a bill counter configured to assemble cash, and a sanitizer configured to receive the cash in a sanitized condition and dispense the cash in the sanitized condition via an access port. The automated teller system also includes one or more processors and memory storing machine-readable instructions that, when executed by the one or more processors, are configured to cause the one or more processors to control the bill counter to assemble the cash based on a withdrawal request, the withdrawal request received as the user input via the user input, to control sanitization of the cash by the sanitizer to provide the cash in the sanitized condition and to control the cash dispenser to dispense the cash in the sanitized condition via the access port.Type: GrantFiled: August 31, 2020Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventors: Oscar Guerra, Gregory David Hansen, Anto Chirayil Thomas
-
Patent number: 12260414Abstract: A user may provide a financial card to an automated teller machine (ATM) or point of sale (POS) terminal and may be authenticated by providing a gesture and/or an image selection via a mobile device to the ATM or the POS. The gesture and/or image selection may be provided using a touchscreen of the mobile device. The gesture and/or image provided by the user via the mobile device may be compared to a stored gesture and/or image provided by the user during an earlier registration of the financial card. If there is a match between the gesture and/or image provided by the user via the mobile device and the previously stored gesture and/or image, then the user is authenticated and may access an account associated with the financial card.Type: GrantFiled: September 27, 2023Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventors: Christopher Paul Courtright, Bradly Jay Billman
-
Patent number: 12259363Abstract: An acoustic apparatus and method of determining the composition of a floor, based on the filtered sound waves produced by vibrating the floor is disclosed. The apparatus includes a transducer for generating vibrations and/or sound, as well as microphones for detecting sounds. The apparatus may include two microphones so that ambient noise can be removed from an audio signal.Type: GrantFiled: October 26, 2023Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventors: Eric David Schroeder, Donnette Moncrief Brown, Manfred Amann, Bobby Lawrence Mohs, Robert Wiseman Simpson, Meredith Beveridge Lecocke, Margaret Emily Gray
-
Patent number: 12260440Abstract: A health data management method using non-fungible tokens may include receiving, via one processor, digital health data and encrypting or obscuring personal identifying information of the digital health data. The method may then involve using the digital health data with encrypted or obscured personal identifying information to generate a non-fungible token and providing the non-fungible tokens in a marketplace. The method may also involve accepting an offer from a purchaser for the non-fungible token via the marketplace and providing unobscured digital health data or an encryption key to the purchaser of the non-fungible token.Type: GrantFiled: December 28, 2021Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventors: Mark Paxman Warnick, Bharat Prasad, Carlos JP Chavez, Ravi Durairaj, Mitzi Ruiz, Theresa Marie Matowitz, Huihui Wu
-
Patent number: 12259787Abstract: Aspects of the present disclosure provide a monitoring algorithm that ensures that each step of an automated virtual machine reclamation process executes correctly before moving on to the next step. After each step of the process, some implementations can determine whether the resulting data is correct. If the resulting data is incorrect, some implementations can initially revert any fields updated by the process to their correct value. Some implementations can further decide whether to resubmit the virtual machine for reclamation automatically, or queue it for manual review based on, for example, multiple or repeated failures, server or data center failures, etc. Thus, some implementations can not only automate each step of the reclamation process, but also provide process evaluation and error detection for the reclamation process.Type: GrantFiled: July 31, 2023Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventors: Ahmad Ali Shaik, Arturo Zuniga
-
Patent number: 12261975Abstract: A system and method for disabling distracting apps on a driver's personal devices while allowing passengers travelling in the same vehicle to have full use of their personal devices. The system works by first identifying all the personal devices that are in the vehicle and then establishing a loose mesh network between those devices. Once the mesh network is established, the system identifies which of the personal devices is associated with the driver, and ensures that any distracting apps on the driver's personal device are disabled, while allowing full functionality for any passenger's personal devices.Type: GrantFiled: January 19, 2024Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventor: Christopher M. Russell
-
Patent number: 12260753Abstract: A method includes receiving, via at least one processor, data from a plurality of data sources disposed within an area, the data including area data, emergency event data, and emergency resource data; generating, via the at least one processor, based on the data, a visualization including a graphical representation of the area based on the area data, the emergency event data, the emergency resource data, or any combination thereof; determining, based on an interaction with the visualization, an emergency response plan for a vehicle, wherein the response plan includes an evacuation plan; sending the emergency response plan to a vehicle system associated with the vehicle, wherein the vehicle system is configured to: determine a location associated with the emergency response plan; determine a route to the location; and send instructions to one or more traffic assets along the route to the location, the instructions configured to cause the one or more traffic assets to adjust one or more signals.Type: GrantFiled: March 29, 2023Date of Patent: March 25, 2025Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Arthur Quentin Smith, Oscar Guerra, Robert Lee Black, Timothy Blair Chalmers, Justin Dax Haslam, Noe Alberto Martinez, Jon D. McEachron
-
Patent number: 12260700Abstract: An image of a check is captured by an imaging device and processing of the digital image of the check for deposit at a remote server may be accomplished with a downloaded software application on a portable computing device associated with the imaging device. The downloaded application may include one or more trained machine learning models for processing the captured image. The portable computing device may utilize deterministic algorithms for certain image processing tasks and machine learning models for others. The selection between machine learning and deterministic processing may be made locally on the portable device or in response to instructions from an institution server to use a particular processing method.Type: GrantFiled: November 21, 2023Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventor: Michael Patrick Bueche, Jr.
-
Patent number: 12260436Abstract: System, methods, and apparatus for determining a foundation profile of a floor and/or a room profile of a room based on information obtained by a scanner device. For example, a scanner device can perform a scan operation of at least one floor in at least one room, generate a foundation profile that describes at least an area underneath the at least one floor based on the scan operation, and generate and send, to a server, a message comprising the foundation profile for the at least one floor and a location of the building. The server can receive the message, determine, based on the location of the building, an account identifier that uniquely identifies an account associated with the building, and store the foundation profile for the at least one floor in a database in a location associated with the account identifier.Type: GrantFiled: October 5, 2023Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventors: Andrew Luke Enochs, David Patrick Dixon, Samuel Ngure, Scott Matthew Myrick, Davin Bernstein
-
Patent number: 12259957Abstract: A remote audio signal-based method and system of performing an authentication of video of a person in order to authorize access to a secured resource. An audio security token with a first set of features is generated and stored for each user. During subsequent sessions, the system and method are configured to cause a remote computing device to play a specific audio signal while collecting audio data from a microphone of the same device. The audio data is evaluated to determine if the same features are present as in the first set of features. If the features are present, the system determines the image is authentic and can verify an identity of the person, and can further be configured to automatically grant the person access to one or more services, features, or information for which he or she is authorized.Type: GrantFiled: August 26, 2022Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventors: Ruthie D. Lyle, Snehal Desai, David Joaquin Harris, Eric David Schroeder, Jeffrey David Calusinski
-
Patent number: 12256213Abstract: A system includes a client device including a processor, a telephony radio that supports telephony communications, and a data radio that supports data communications. The client device conducts, via the telephony radio, a call with a telephony service. Further the client device identifies a context of the call, identifies a subset of stored private data associated with the context of the call; and in parallel with the call, provides the subset of the stored private data, via a data radio, to a data service.Type: GrantFiled: September 27, 2023Date of Patent: March 18, 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
-
Patent number: 12253363Abstract: The present disclosure relates to system that includes a database including data associated with one or more building features of a building. The system includes a processor of a computing device. The processor is configured to determine an absolute position of the computing device within the building. The processor is configured to identify at least one of the building features located within a threshold distance of the absolute position of the computing device based on a query of the database. Additionally, the processor is configured to generate an alert configured to cause the computing device to display information associated with the at least one of the building features or output an audible signal associated with the at least one of the building features.Type: GrantFiled: August 2, 2023Date of Patent: March 18, 2025Assignee: United Services Automobile Association (USAA)Inventors: Christopher James Waful, Rachael Ann Humphreys, Xin Wang, Mateusz Peter Dyl, Matthew Blair, Andre Rene Buentello, Paul Garcia