Patents Assigned to United Services Automobile Association (USAA)
  • Patent number: 12244591
    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 26, 2024
    Date of Patent: March 4, 2025
    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: 12243090
    Abstract: 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 digital reputation, determine an alternative item to be purchased instead of the item to be purchased, and determine a second digital reputation score based on the purchase of the alternative item.
    Type: Grant
    Filed: April 28, 2023
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jennifer Hunt Erickson, Bharat Prasad, Snehal Desai
  • Patent number: 12243097
    Abstract: The technology described includes an adaptive probability matrix that creates a notification schedule. The schedule can be used to send reminders to users to press a physical, connected device/button, that when pressed or clicked, causes money to be transferred according to a set of rules (i.e., a “one-click” transfer of funds).
    Type: Grant
    Filed: November 28, 2023
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Sang Woo Choi, Timothy Davison, Garrett Rielly Rapport
  • Patent number: 12242480
    Abstract: Methods and systems described herein are directed to creating customized queries on data sets via selection of search elements based on meta-data from data set registrations. In some implementations, an automatic query system can register database elements with associated meta-data by receiving programming data objects, corresponding to database elements, with meta-data and adding the programming objects as selectable values for a user interface (UI). Each data object can define one or more elements for a table and/or column(s) within a table in a database. The automatic query system can provide the UI to a user to receive table and column selections. The automatic query system can select a root table to join the selected tables into, and generate a join query for the root table by inserting search string snippets, corresponding to selected tables and columns, into a query template.
    Type: Grant
    Filed: July 29, 2022
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Matthew James Martinez, Joseph James Albert Campbell, Quentin L. Holness, Ryan Matthew West, Rachel Michelle Ballew, Mitchell Wade Palermo
  • Patent number: 12242580
    Abstract: A gaze detection and application system can determine gaze points for user gazes, determine the contexts of gaze points, and customize contents on display devices, such as by making them visible. The gaze detection and application system can use camera devices to determine a display point (the “gaze point”) corresponding to where a user is currently gazing at in real-time on a display device. In some implementations, the gaze detection and application system can determine whether the gaze point is in proximity to sensitive contents hidden on the display device. The gaze detection and application system can identify subjects within a camera frame and can determine whether the identified subjects are permitted to access the sensitive contents. If the subjects are permitted, then the gaze detection and application system can make the sensitive contents visible on the display device.
    Type: Grant
    Filed: July 23, 2022
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ashley Raine Philbrick
  • Patent number: 12243027
    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: April 3, 2019
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Gunjan Vijayvergia, Charles Lee Oakes, III
  • Patent number: 12242333
    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: January 5, 2024
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Manuel A Carranza, Chase T. Sekula, Mark S. Moore, Mathew P. Ringer
  • Patent number: 12235946
    Abstract: Methods and systems described in this disclosure electronically notarize a document. The system can receive biometric information from a user, extract characteristics from the biometric information, and compare the characteristics of the biometric information with previously stored characteristics of the user's biometric information. When the characteristics of the biometric information match the previously stored characteristics to a threshold, the system can create an identity of the user using the characteristics of the biometric information. The system can send a document to the user for cryptographic signature and receive an indication that the document has been signed. The cryptographic signature can be generated with a digest of the document, the identity, and a cryptographic key associated with the user. The system can inspect the digest of the document, the cryptographic key, and the identity associated with the document to verify authenticity of the document and the identity of the user.
    Type: Grant
    Filed: September 12, 2023
    Date of Patent: February 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: David Lindley, Alexander Benetto Nagelberg, Maland Keith Mortensen, Joseph Gregory Delong, Shantanu K. Tripathy, Zachary T. Golden, Kevin D. Love, II, Brian Keith Anderson, Kasey T. Moore
  • Patent number: 12234665
    Abstract: A roof protecting system for protecting the roof of a building from hail damage. The roof protecting system includes a roof covering structure adapted to cover a portion of the roof and capable of holding a non-Newtonian dilatant fluid; a deployment system to dispose the roof covering structure onto the roof; and a delivery system for delivering the non-Newtonian dilatant fluid to the roof covering structure.
    Type: Grant
    Filed: October 31, 2023
    Date of Patent: February 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Cynthia Ann Hinojosa, Andrew Jacob Contreras, Lemont Williamson, Igor Alexandre Gregorio, Stephen Anthony Young, Jonathan Edward Seaton, Shirley Elizabeth Bunton, Shayna Dickson, Ric M. Pena
  • Patent number: 12236409
    Abstract: Image processing techniques can be used to determine whether a person has installed an unauthorized device on or in a kiosk. For example, an image processing server can determine whether a person's hand(s) are engaging in abnormal behavior by obtaining recorded images of the person's hand(s) that extend towards the kiosk to perform an action, and by comparing the information in the recorded images with a set of previously known information about other persons' hands that are similarly extended towards the kiosk.
    Type: Grant
    Filed: March 14, 2023
    Date of Patent: February 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Emily Kathleen Krebs, Stacy Callaway Huggar, Jeffrey Neal Pollack, Yevgeniy Viatcheslavovich Khmelev, Mark Anthony Lopez, Ryan Thomas Russell
  • Patent number: 12236431
    Abstract: A system and method for tasks assistance using a learning module comprising a knowledge graph and associated graph neural network is disclosed. The system can represent data using a knowledge graph, and generate embeddings of the knowledge graph for detecting latent patterns in the data that may be obscured in a high dimensional representation of the data. The system can more readily detect fraud patterns and take appropriate fraud limiting actions.
    Type: Grant
    Filed: August 27, 2021
    Date of Patent: February 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Vijay Jayapalan, Jeffrey David Calusinski
  • Patent number: 12230089
    Abstract: An all-in-one multi-access device that provides access points for opening doors, using credit cards, obtaining and displaying tickets, storing information and other applications. The device may include one or more biometric sensors that ensure that it could only be used by an authorized person. In addition to providing keyless entry, the all-in-one multi-access device may also include a digital screen that can display information for credit cards, concert tickets, and airline tickets. In some embodiments, the device may include a magnetic strip and/or a chip to maintain backwards compatibility with older devices, such as magnetic strip readers and chip readers.
    Type: Grant
    Filed: March 1, 2022
    Date of Patent: February 18, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Pooja Krishnaswamy, Joel S Hartshorn, Ashley Raine Philbrick, Nolan Serrao
  • Patent number: 12229737
    Abstract: An image of a negotiable instrument may be taken by a camera associated with a mobile device and provided from a user to a financial institution via the mobile device. The negotiable instrument may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. The mobile device may process the image prior to sending the image to the financial institution. Additionally or alternatively, the financial institution may process the image.
    Type: Grant
    Filed: November 15, 2022
    Date of Patent: February 18, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Michael Frank Morris
  • Patent number: 12229308
    Abstract: A data sharing system may facilitate sharing of data with third party systems. The data sharing request can be identified as being a potential privacy risk. To reduce the potential privacy risk, in one example, requested user data can be modified prior to sharing. The modified user data can be shared with the third party system rather than sharing unmodified user data.
    Type: Grant
    Filed: March 31, 2022
    Date of Patent: February 18, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Oscar Guerra, Megan Sarah Jennings, Dustin Bowen Bitter, Pooja Krishnaswamy, Donald Nathaniel Holloway, III, Nikhil Dama
  • Patent number: 12231990
    Abstract: A computing device establishes communication with a financial institution communication device, and receives an instruction for a user to perform an action to authenticate the user. The action includes providing user-provided data indicative of a location. The computing device determines first location information based on the user-provided data. The computing device also determines second location information using a location sensor. The computing device authenticates the used based on determining that the first location information correlates to the second location information.
    Type: Grant
    Filed: May 4, 2023
    Date of Patent: February 18, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Samantha Elizabeth Taylor, Yogen Rai, Zachery C. Lake, Rachel Elizabeth Csabi, Hollie Ilene King, Nicholas C. Wheeler, Victor Kwak
  • Patent number: 12229316
    Abstract: Some implementations of the technology relate to anonymizing personally identifiable information (PII) by creating a quick response (QR) code linked to a website that can verify that driver's license information and insurance information of a driver is available and valid, without showing the PII itself. Some implementations can allow another driver in an automobile accident to scan the QR code, enter her own insurance information, and can push the driver's PII to her insurance company. Some implementations can allow the other driver to download an encrypted file with the PII that can be shared with his insurance company. The QR code can be used in other contexts outside of automobile accidents as well, such as when a driver wishes to test drive a car, rent a car, buy a new car, etc., and needs to provide proof of a valid driver's license and insurance coverage.
    Type: Grant
    Filed: December 22, 2022
    Date of Patent: February 18, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Sean Michael Wayne Craig, Roberto Virgillio Jolliffe
  • Patent number: 12231567
    Abstract: A structure authentication system includes a sensor configured to sense identifying features of a three-dimensional (3D) printed structure and generate identifying feature data based on the identifying features, as well as a processor configured to receive, from the sensor, the identifying feature of the 3D printed structure. The processor is also configured to analyze the identifying feature data along with a non-fungible token (NFT) database that correlates a plurality of NFTs to a plurality of identifying feature data to determine whether the 3D printed structure is associated with an NFT within the NFT database. Additionally, the processor is configured to query a blockchain to determine whether the NFT is authentically associated with the 3D printed structure. The processor is also configured to, in response to determining that the NFT is authentically associated with the 3D printed structure, send a notification to a user device indicating that the 3D printed structure is authentic.
    Type: Grant
    Filed: December 20, 2022
    Date of Patent: February 18, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Yevgeniy Viatcheslavovich Khmelev, Gregory Meyer, Seth E. Ethington, Benjamin D. Ethington
  • Patent number: 12223552
    Abstract: Implementations ingest records across multiple accounts hosted by different service providers and augment the records with metadata. For example, ingesting can include processing the records to identify transactions in the records and to discover additional aspects of the transactions. In some implementations, metadata can be used to augment the identified transactions in the records, where metadata can include a category, a digital receipt, a user tag such as a geotag, and other suitable metadata. The ingesting and augmenting the records can populate a coordination data structure with identified transactions and their associated data elements. These identified transactions can then be queried and a result set of transactions that span the different user accounts can be returned. In some implementations, the transactions can be queried using the augmented metadata, or other suitable pieces of information for the transactions.
    Type: Grant
    Filed: December 23, 2021
    Date of Patent: February 11, 2025
    Assignees: UIPCO, LLC, United Services Automobile Association (USAA)
    Inventors: Mathew Cyriac Kottoor, Gideon Bowie Luck, Pradeep R. Mangalagiri, Andrew Flores, Iris Jordan, Joseph H. Louwagie, III
  • Patent number: 12209381
    Abstract: A foundation tilt reporting system includes a lightbulb with one or more emitters configured to emit light. The foundation tilt reporting system also includes one or more sensors configured to generate signals indicative of a current tilt of a foundation of a structure. The foundation tilt reporting system further includes one or more processors and memory storing instructions executable by the one or more processors to cause the one or more processors to access a threshold for the foundation, receive the signals indicative of the current tilt of the foundation from the one or more sensors, compare the current tilt of the foundation to the threshold, and instruct the one or more emitters to emit the light to provide an indication in response to the current tilt of the foundation meeting or exceeding the threshold.
    Type: Grant
    Filed: May 19, 2022
    Date of Patent: January 28, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Justin Royell Nash, Gideon Bowie Luck, Huihui Wu, Julia Yilan Kennedy, Yevgeniy Viatcheslavovich Khmelev, Subhalakshmi Selvam, Bradly Jay Billman
  • Patent number: 12210915
    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: April 1, 2024
    Date of Patent: January 28, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ravi Durairaj, William Daniel Farmer, Joel S. Hartshorn, Qunying Kou, Gregory Yarbrough