Patents Assigned to United Services Automobile Association (USAA)
  • Obtaining and estimating repair or replacement information from a smart building
    Patent number: 12182837
    Abstract: System, methods, and apparatus for obtaining repair or replacement related information are described. For example, a mobile device is configured to scan RFID tags or other identifiers located on or in studs behind a wall of a house, obtain an identifier of at least one RFID tag of the plurality of RFID tags, determine a number of RFID tags scanned, generate and send, to a server, a message comprising the identifier of the at least one RFID tag, the number of RFID tags scanned, and an account identifier. The server can be configured to receive the message, determine a distance between two adjacent studs based on the identifier of the at least one RFID tag, determine a total distance of a scanned region of the wall based on the number of RFID tags scanned and the distance between the two adjacent studs, and determine an estimate of a cost of replace or repair based at least on the total distance.
    Type: Grant
    Filed: March 24, 2021
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Andrew Enochs, David Patrick Dixon, Samuel Ngure, Scott Matthew Myrick
  • Electronic transaction verification system
    Patent number: 12182811
    Abstract: The present disclosure includes systems and methods for facilitating management of information related to electronic transactions. More specifically, the methods and systems discussed herein related to electronic transaction verification techniques that employ distributed computation methods, such as blockchains, to store transactional data for various web-based interactions, and to verify a transaction source and generate customer offers for these transactions.
    Type: Grant
    Filed: October 10, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Snehal Desai, Jennifer Hunt Erickson, Joel S. Hartshorn, Yevgeniy Viatcheslavovich Khmelev, Jeanie Graciela Lopez, Bharat Prasad, Nolan Serrao, Thomas Wayne Schwarz, Jr.
  • Remote access system for safety deposit boxes
    Patent number: 12183141
    Abstract: A safety deposit box facility that allows for 24/7 remote access by authorized personnel to their safety deposit boxes via an on-site robot. The facility includes safety deposit boxes that can be opened along one side by the robot, and on the other side by the authorized person. In some embodiments, the authorized person may request a remote access event in which they can view the contents of their safety deposit box via a camera associated with the robot, and/or request a secure delivery of one or more items disposed in their safety deposit box.
    Type: Grant
    Filed: December 16, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael J. Maciolek, Carol Lyn Lawrence, Gregory Brian Meyer
  • Model-based communication routing system and method
    Patent number: 12184816
    Abstract: A method includes receiving, at one or more processors, data indicative of a customer communication, inputting, via the one or more processors, the data to a first communication routing model corresponding to a first product or service goal associated with one or more product or service types, and determining, via the one or more processors and based on the first communication routing model, a first score corresponding to a first likelihood that the customer communication will satisfy the first product or service goal.
    Type: Grant
    Filed: October 17, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Merrill Lamar Madsen, Allen James Guidry
  • Secure computer-implemented authentication
    Patent number: 12184641
    Abstract: An exemplary method comprises generating receiving an authentication request from a graphical user interface on a first computing device; generating a first encrypted media element; displaying the encrypted media element on the GUI; receiving a second encrypted media element from a second computing device; upon determining that the first and second encrypted media elements have a positive match, querying an identification value associated with the second computing device; receiving the identification value associated with the second computing device; upon the identification value matching a data record within a database, determining an account associated with the data record within the database; and authenticating the first computing device by granting the first computing device access to the account associated with the second computing device.
    Type: Grant
    Filed: October 15, 2021
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Darrius Jones, Gualberto Camacho, Hoang Trung Vo, Huihui Wu, Alejandra Valles
  • Systems and methods for online payment transactions
    Patent number: 12182777
    Abstract: Disclosed herein are systems and methods for generating a shared budget for an account associated with a first user and a second user, wherein the first user is associated with a first client device and the second user is associated with a second client device. A notification may be transmitted to the second client device based on an attempted purchase via the first client device. The notification may be displayed in a graphical user interface (GUI) of the second client device, and may include information related to the attempted purchase, such as the cost of one or more items, total value of the shared budget, remaining value in the shared budget, and so on. The second user may approve or decline the purchase request.
    Type: Grant
    Filed: March 25, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Brian C. Hawes, Justin D. Haslam, Christian A. Williams
  • Smart documentation systems and methods
    Patent number: 12182152
    Abstract: Methods and systems described herein can provide a computing device configured to display on a display screen of the computing device a first window listing a set of entries and a second window that can add entries directly into the set of entries and that can search for entries having selected features. The second window can dynamically display one or more keywords related to an entry as the entry is being created. The keywords can be determined as the entry is created and can be associated with the entry as the entry is added to the set of entries. The second window can receive a search request with the keywords and in response, cause the entries associated with the keywords to be displayed in the first window.
    Type: Grant
    Filed: November 2, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Timothy Luke Coffin, Ronald Maurice John Hoch
  • Systems and methods for controlling operation of autonomous vehicle systems
    Patent number: 12181872
    Abstract: A system may include one or more sensors configured to acquire data associated with a driver of a vehicle and a processor. The processor may receive the data and determine whether the data is within a baseline data associated with expected behavior of the driver. The processor may then control one or more operations of the vehicle in response to the data being outside the baseline data.
    Type: Grant
    Filed: November 9, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kade L. Scott, Benjamin D. Ethington, Richard Daniel Graham, Matthew T. Flachsbart
  • Real time avatar
    Patent number: 12182839
    Abstract: A system includes a server having a database stored thereon, an operator device, and a coordinating device communicatively coupled with the server and with the operator device, wherein the coordinating device comprises a processor and a memory, and wherein the memory is configured to store instructions thereon that, when executed by the processor, cause the coordinating device to perform various steps. The steps include receiving account data, from the server, corresponding with an account of a plurality of accounts saved to the database, receiving preference data, from the operator device, corresponding with preferences of an operator of the operator device and relating to the account data. The steps also include generating an avatar reflecting the account data in accordance with the preference data, and displaying the avatar on a display.
    Type: Grant
    Filed: August 28, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Joseph Gaeta, Bipin Chadha, Oscar Roberto Tijerina, Jeremy Kolt Loukas
  • Controlling vehicle systems based on verified signals
    Patent number: 12181891
    Abstract: A system may include a first vehicle and a first control system that may control one or more vehicle operations of the first vehicle. The first control system may perform operations including receiving a first vehicle operation signal from a second control system associated with a second vehicle, sending one or more requests to one or more computing systems for a confirmation of the first vehicle operation signal, and determining a set of vehicle instructions to control the one or more vehicle operations based on whether one or more responses from the one or more computing systems provide the confirmation. The first control system may then control the first vehicle based on the set of vehicle instructions.
    Type: Grant
    Filed: September 25, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Carlos J P Chavez, Sacha Melquiades De'Angeli, David M. Jones, Jr., Gregory Brian Meyer, Christopher Russell, Arthur Quentin Smith
  • Insurance record repository authentication system and method
    Patent number: 12184630
    Abstract: A method and system of managing third-party access to insurance information is disclosed. An insurer maintains an insurance information repository that can be accessed only by authenticated third-party partners. The authentication system generates a code for the insured member. The insured member can share the code to their selected third-party service provider. The selected provider will submit the code to the authentication system when requesting access to validated information about the insured member. The code, if valid, will authenticate the service provider and enable access to the requested information.
    Type: Grant
    Filed: March 31, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mitchell Wade Palermo, Cynthia Saldana, Ryan Juichi Wakabayashi, Francisco Tomas Garcia, Hanna Elizabeth Rafferty
  • Autonomous vehicle taxi/delivery service
    Patent number: 12181293
    Abstract: The present invention provides a system, method, and software for operating a taxi and delivery service using a fleet of autonomously driven vehicles amassed from a plurality of unassociated individuals and providing a graphical user interface for interested parties to register their vehicles for use and for customers to schedule services.
    Type: Grant
    Filed: August 5, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Patrick Brian Kelly, Olvin Brett Lewis
  • Systems and methods for online identity management
    Patent number: 12182223
    Abstract: Disclosed systems and methods allow a user to input digital content along with identification of one or more social media websites on which the user desires to publish the digital content. The systems and methods then query the identified social media webservers and retrieve a first set of publishing rules. When the digital content satisfies the first set of rules, the systems and methods query a database to retrieve a second set of rules comprising user restrictions specific to the identified social media websites. When the digital content does not satisfy at least one rule within the second set of rules, the systems and methods render a prompt on the user device to receive modified digital content. Subsequently, the systems and methods instruct the one or more social media websites to publish the modified digital content.
    Type: Grant
    Filed: September 18, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher Raley, Ryan Russell
  • System and method for capturing audio or video data
    Patent number: 12184925
    Abstract: Methods and systems for managing data storage strategies for continuous video segment recordings on a video recording device are disclosed. The data storage strategies include the detection of various trigger events and ending events detected from the video recordings or measurements detected from sensor devices that are included in the video recording device.
    Type: Grant
    Filed: February 27, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Maland Mortensen, Bradly Billman, Cleburne Robinson Burgess
  • Systems and methods for selectively scrambling data
    Patent number: 12182310
    Abstract: A technique for selectively scrambling data obtained by electronic sensor devices, such as cameras, voice communication devices, and the like, is provided. A payload of the data is scrambled when one or more characteristics of the data indicate that the data may include sensitive information. The scrambled data is transmitted to a target device.
    Type: Grant
    Filed: July 14, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ric M. Pena, Arthur Quentin Smith, Brian Tougas
  • Methods and systems for third-party approval of secure account fund transfer
    Patent number: 12175473
    Abstract: A method and system of delegating control to a surrogate for a primary account holder so that the surrogate can control access to funds in a joint account by a secondary account holder when the primary account holder is unavailable. The surrogate's ability to approve or deny the secondary account holder's requests for funds is limited by rules established by the primary account holder. The system includes a secure management account system that implements communications between the surrogate's personal device, the primary account holder's personal device, the secondary account holder's personal device and the financial institution holding the joint account.
    Type: Grant
    Filed: June 24, 2022
    Date of Patent: December 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ryan Thomas Russell
  • Fraudulent claims detection system
    Patent number: 12175480
    Abstract: Technology for determining an insurance fraud risk associated with a user comprises receiving, at an enterprise, a call or a chat from a user device associated with the user. Data associated with the call or the chat is analyzed to determine if at least one factor indicating fraud is present. A weighted level of possible fraud associated with the at least one factor is determined. The weighted level of possible fraud is compared to at least one weight threshold. The user is identified as an increased fraud risk based on the weighted level of possible fraud meeting or exceeding the at least one weight threshold.
    Type: Grant
    Filed: May 15, 2023
    Date of Patent: December 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: David Patrick Dixon
  • Advanced lens system for assessing property damage
    Patent number: 12175647
    Abstract: An advanced lens system includes an advanced lens configured to be worn by an individual. The advanced lens system includes a camera configured to obtain one or more images of a property. The advanced lens system includes one or more processors communicatively coupled to the advanced lens and the camera, the one or more processors being configured to receive the one or more images of the property and process the one or more images to identify primary damage to the property. The one or more processors are also configured to predict, based on the primary damage and previous damage data stored in a database, secondary damage that is likely to be present with the primary damage. The one or more processors are further configured to provide an output indicative of the secondary damage that is likely to be present with the primary damage via a display of the advanced lens.
    Type: Grant
    Filed: July 27, 2021
    Date of Patent: December 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Andrew Luke Enochs, Matthew Conrad Dahlman, Shawn D. Low, Daniel Diaz, Breanna Nicole Allerkamp
  • Systems and methods for detecting, reporting, and/or using information about a building foundation
    Patent number: 12174093
    Abstract: Cracks in foundations may be detected by sensing motion within the foundation. Depth sensors may be applied to a foundation, and the depths of the sensors may be read. At subsequent points in time the depths of the sensors may be read again. If the depths of the sensors are changing in a way that suggests that portions of the foundation are moving apart from each other, then it may be inferred that a crack is forming in the foundation. The formation of cracks may be used to take various actions. For example, the owner of the building that rests on the foundation may be information of the crack so that he or she may take remedial action.
    Type: Grant
    Filed: December 19, 2023
    Date of Patent: December 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Bradly Jay Billman
  • Blockchain based transaction management
    Patent number: 12175436
    Abstract: Techniques are described for managing a transaction, such as a purchase of a vehicle or other product, using one or more blockchains. The completion of a transaction may be facilitated by providing an information portal, such as one or more application user interfaces, to enable the buyer, seller, or other parties to readily access blockchain-stored information that is relevant to the transaction. In some examples, where the product to be purchased is a vehicle (e.g., car, truck, motorcycle, boat, etc.), the blockchain-stored information may include information regarding the loan, title, insurance, driver's license or other identification verification, vehicle ownership history, inspection history, repair history, lien information, and so forth. The portal also enables a point of contact to be maintained between the buyer and a lender during the process of purchasing the product.
    Type: Grant
    Filed: November 21, 2019
    Date of Patent: December 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: John C. Hopkins, III, Bharat Prasad, Hudson R. Jameson, Gopinath Rangan