Patents Assigned to United Services Automobile Association (USAA)
  • Patent number: 12268967
    Abstract: A method for guiding game play of a game in an augmented reality game space. The game runs on a smart device in conjunction with a game space. The method includes determining that a user has completed a game objective and earned the right to a game piece having a concealed value. Information including an indication that the user has completed the game objective is sent from a smart device to a game server. The game server receives information from the smart device and sends information including a location of the game piece having a concealed value to the smart device and to a confirmation device. The smart device displays a location of the game piece having a concealed value in the augmented reality game space. Also, a system for game play including the smart device, the game server, and the confirmation device.
    Type: Grant
    Filed: September 26, 2023
    Date of Patent: April 8, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ruthie D. Lyle
  • Patent number: 12271943
    Abstract: A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. The system can retrieve real time enriched transaction data to calculate account summary information, including current account balances and projected future account balances. The system can also be used to provide real time notifications to customers using enriched transaction data.
    Type: Grant
    Filed: March 3, 2023
    Date of Patent: April 8, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jason Paul Hendry, Rodney Kalich, Randall Martin Brandt, Marco Aldo Jimenez, David Perry
  • Patent number: 12271937
    Abstract: Methods and systems described herein are directed to evaluating an individual's ecological impact to promote reductions for that impact. An ecological impact evaluator can automatically retrieve behavioral data of a user that the evaluator can assess for guiding the user with respect to one or more of product purchasing, water usage, recycling and composting procedures, and driving practices. In view of data collected, the evaluator can provide various recognitions for behavior that incentivize the user toward maintaining or improving current behaviors.
    Type: Grant
    Filed: August 8, 2022
    Date of Patent: April 8, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Rachel Michelle Ballew, Hanna Elizabeth Rafferty, Jeorge Luis Fabre, Gregory Brian Meyer, Stacy Callaway Huggar
  • Patent number: 12271462
    Abstract: A remote signal-based method and system of performing an authentication of images of a person in order to permit access to a secured resource. The system and method are configured to cause a visual and/or haptic pattern response to occur in a secondary device while collecting image data from a different, primary device. The image data is evaluated to determine whether the appropriate pattern is present. If the pattern is 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: Grant
    Filed: August 31, 2022
    Date of Patent: April 8, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ruthie D. Lyle, Snehal Desai, David Joaquin Harris, Eric David Schroeder, Jeffrey David Calusinski
  • Patent number: 12273724
    Abstract: An authentication system includes an authenticator that receives an authentication request from a device and receives sensor data from one or more sensors, the sensor data being indicative of interaction with one or more real world objects or with a displayed authentication image. The authenticator determines that the sensor data is indicative of an authorized interaction with the one or more real world objects or with the displayed authentication image and, in response to the determination, grants the authentication request.
    Type: Grant
    Filed: May 15, 2023
    Date of Patent: April 8, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Jennifer Hunt Erickson
  • Patent number: 12264992
    Abstract: 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: Grant
    Filed: September 29, 2022
    Date of Patent: April 1, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Eric David Schroeder, Ashley Raine Philbrick, Carlos J P Chavez, Manfred Amann, Donnette L. Moncrief Brown
  • Patent number: 12265955
    Abstract: 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: Grant
    Filed: September 23, 2020
    Date of Patent: April 1, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ashley Raine Philbrick, Oscar Guerra, Kelly Q. Baker, Janelle Denice Dziuk
  • Patent number: 12265644
    Abstract: 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: Grant
    Filed: September 20, 2022
    Date of Patent: April 1, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Thomas Bret Buckingham
  • Patent number: 12265888
    Abstract: 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: Grant
    Filed: May 28, 2020
    Date of Patent: April 1, 2025
    Assignee: 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: 12267294
    Abstract: 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: Grant
    Filed: February 8, 2024
    Date of Patent: April 1, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventor: Jason Paul Larrew
  • Patent number: 12259962
    Abstract: 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: Grant
    Filed: February 28, 2022
    Date of Patent: March 25, 2025
    Assignee: 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: 12260409
    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: January 23, 2024
    Date of Patent: March 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Patrick Adam, Dustin Starr Trimmier, Steven Gonzalez
  • Patent number: 12257464
    Abstract: 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: Grant
    Filed: October 27, 2021
    Date of Patent: March 25, 2025
    Assignee: 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: 12260414
    Abstract: 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: Grant
    Filed: September 27, 2023
    Date of Patent: March 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher Paul Courtright, Bradly Jay Billman
  • Patent number: 12259363
    Abstract: 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: Grant
    Filed: October 26, 2023
    Date of Patent: March 25, 2025
    Assignee: 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: 12260700
    Abstract: 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: Grant
    Filed: November 21, 2023
    Date of Patent: March 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventor: Michael Patrick Bueche, Jr.
  • Patent number: 12257359
    Abstract: 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: Grant
    Filed: August 31, 2020
    Date of Patent: March 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Oscar Guerra, Gregory David Hansen, Anto Chirayil Thomas
  • Patent number: 12261975
    Abstract: 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: Grant
    Filed: January 19, 2024
    Date of Patent: March 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventor: Christopher M. Russell
  • Patent number: 12259787
    Abstract: 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: Grant
    Filed: July 31, 2023
    Date of Patent: March 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ahmad Ali Shaik, Arturo Zuniga
  • Patent number: 12260440
    Abstract: 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: Grant
    Filed: December 28, 2021
    Date of Patent: March 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Bharat Prasad, Carlos JP Chavez, Ravi Durairaj, Mitzi Ruiz, Theresa Marie Matowitz, Huihui Wu