Patents Assigned to United Services Automobile Association (USAA)
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Patent number: 10142464Abstract: Methods and systems described in this disclosure receive a call from a caller, generate a first session through a first channel associated with the caller when the call is received and then send a request for authentication credentials to a device associated with the caller. In some embodiments, sending the request for authentication credentials generates a second session through a second channel associated with the caller. The caller can be authenticated to the first session using communication received during the second session through the second channel.Type: GrantFiled: November 13, 2015Date of Patent: November 27, 2018Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Michael Justin Cairns, David Alexander Lilley, Robert Bruno Pace, Jr., John Raymond Harris, Joshua Samuel Leonard, Yuibi Fujimoto, Kevin Kenneth Fielder, Michael W. Lester
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Patent number: 10142468Abstract: Methods and systems described in this disclosure allow customers to personalize their phone experience when calling into an organization. In some embodiments, customers who may benefit from this service are identified based on the content of the customer's previous or current phone calls to the organization. The identified customers may be invited to enroll and to provide preferences for a customized Interactive Voice Response experience. In some embodiments, the customer can elect to hear the balances of one or more of his accounts without going through a phone menu or asking a representative to look up the relevant amounts. Once enrolled, when the customer dials into the organization and upon successful authentication, the organization proactively states the customer's account balances with no further customer request.Type: GrantFiled: March 12, 2018Date of Patent: November 27, 2018Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Patricio H. Garcia, Amanda Jean Segovia, Hector J. Castillo, Janeen Rubio, Robert Craig Korom, Roy David McDonald
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Patent number: 10140193Abstract: A main data center with first and second backup data centers also has a translator for assisting a failover module of a failed server at the main data center in implementing failover of the failed server to a corresponding server at the first backup data center. The translator intercepts a command from the failover module to a store of the main data center, where the command directs the store to disable writes to particular storage space in the store associated with the failed server, but does not identify with specificity which of a store of the first data center and a store of the second data center is enabled to write to such particular storage space. Thus, the translator determines an identification of the store of the first backup data center, and modifies the command from the failover module based on the determined identification.Type: GrantFiled: August 12, 2016Date of Patent: November 27, 2018Assignee: United Services Automobile Association (USAA)Inventor: Larry S. Roy
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Patent number: 10131362Abstract: A method includes receiving sensor data from a sensor associated with a vehicle and determining a likelihood that the vehicle is experiencing an emergency condition based on the sensor data. The method also includes sending an alert indicative of the likelihood, the alert comprising at least a portion of the sensor data.Type: GrantFiled: June 23, 2016Date of Patent: November 20, 2018Assignee: United Services Automobile Association (USAA)Inventors: Jess Gingrich, Heather Hernandez
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Patent number: 10136327Abstract: Techniques are described for determining and/or verifying the location of a device based on environmental data. A device may provide location information describing its location, e.g., determined using a satellite-based navigation system. Environmental context data (e.g., temperature, air pressure, air quality, pollen count, ambient light, etc.) may also be received from the device, having been generated by sensor(s) incorporated into the device. The environmental context data may be compared to corresponding elements of other context data that is generated independently of the device. Based on the comparison, a confidence metric may be determined that indicates a level of confidence that the device's communicated location is its actual location. The confidence metric may be employed to make a security determination regarding a user of the device.Type: GrantFiled: March 13, 2018Date of Patent: November 20, 2018Assignee: United Services Automobile Association (USAA)Inventors: Amanda S. Fernandez, Rick Swenson
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Patent number: 10134042Abstract: A computer system for processing vehicle ownership support data includes an infrastructure platform which includes a plurality of hardware and software components, infrastructure services, APIs, and SDKs adapted to communicate in a communication network. The infrastructure platform receives telematics data such as vehicle identification data, driving performance data, vehicle operation data and vehicle sensor data for a corresponding vehicle. Such telematics data can be received from a vehicle device (Onboard Device (OBD)), or from a cloud-based telematics platform. The infrastructure platform identifies vehicle ownership support services associated with the at least one vehicle and analyzes the received telematics data associated with the identified services. The infrastructure platform provides vehicle ownership support services to a mobile application accessible at a customer's mobile device associated with the vehicle or the customer.Type: GrantFiled: October 9, 2015Date of Patent: November 20, 2018Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Charles L. Oakes, III
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Patent number: 10131531Abstract: Described herein are systems and methods for managing a fuel dispensing account associated with fuel dispensing transactions. A fuel dispensing apparatus includes a receiver configured for wireless communication with a user device. The fuel dispensing apparatus receives a request to dispense fuel from the user device via the receiver and associates the fuel request with a primary user account stored in a computer database. A notification is sent to one or more users of the primary account requesting instructions regarding the fuel request. Fuel is dispensed from the fuel dispensing apparatus if instructions are received from a user of the primary account authorizing the request.Type: GrantFiled: April 17, 2015Date of Patent: November 20, 2018Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Charles L. Oakes, III
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Patent number: 10129401Abstract: Methods and systems described in this disclosure allow customers to personalize their phone experience when calling into an organization. In some embodiments, customers who may benefit from this service are identified based on the content of the customer's previous or current phone calls to the organization. The identified customers may be invited to enroll and to provide preferences for a customized Interactive Voice Response experience. In some embodiments, the customer can elect to hear the balances of one or more of his accounts without going through a phone menu or asking a representative to look up the relevant amounts. Once enrolled, when the customer dials into the organization and upon successful authentication, the organization proactively states the customer's account balances with no further customer request.Type: GrantFiled: September 5, 2017Date of Patent: November 13, 2018Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Patricio H. Garcia, Amanda Jean Segovia, Hector J. Castillo, Janeen Rubio, Robert Craig Korom, Roy David McDonald
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Patent number: 10129403Abstract: Activities performed by a client at a site of an organization are monitored and stored in an activity database. A call is thereafter received from the client at a telephone system of the organization, which performs an identification of the client. The identification is provided to a cross-channel router as a request for a prediction on where the call from the client should be routed, and the router indexes into the activity database based on the identification of the client to obtain the monitored activity of the client. The router employs predicting rules and the obtained activity to generate a prediction of client needs, and returns the generated prediction to the telephone-based system, which presents prioritized telephone prompts to the client according to the returned prediction to help in routing the call.Type: GrantFiled: April 21, 2016Date of Patent: November 13, 2018Assignee: United Services Automobile Association (USAA)Inventors: David P. Dixon, Richard E. Moore
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Patent number: 10129508Abstract: The present disclosure describes structural inspection devices, methods, and systems. One inspection device includes a pole, a sensor coupled to an end of the pole and configured to capture a multispectral image of a roof, and a number of attachments coupled to the pole and configured to stabilize the pole on or within the structure.Type: GrantFiled: April 5, 2016Date of Patent: November 13, 2018Assignee: United Services Automobile Association (USAA)Inventors: James P. Hillman, Cynthia D. Blasing, Damien J. Brunet, Dan D. Cable, Adolfo J. Fernandez, Jeffrey A. Kreth, Shane C. Osborne, Robert A. Pacheco, Renee A. Sokolowski
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Patent number: 10121213Abstract: Disclosed herein are a method, system, and computer-readable storage medium with instructions for recommending locations to a user. Preferred criteria may be selected by the user, for example, or a third party, and provide objective or subjective information that the user is seeking in a location. Embodiments may include compiling objective information with the location and comparing the objective information to preferred criteria. A user's profile may be compared to another person's profile, where the other person's profile is associated to the location. A location may be recommended to the user if the objective information correlates to the preferred criteria and if the other person's profile correlates to the user's profile. Subjective information associated with the location may be provided to the user along with the recommended location. Furthermore, a location may be recommended to the user if the subjective information correlates to the preferred criteria.Type: GrantFiled: March 15, 2017Date of Patent: November 6, 2018Assignee: United Services Automobile Association (USAA)Inventors: Bradly Jay Billman, Charles Lee Oakes, III, Reynaldo Medina, III, Michael Patrick Bueche, Jr.
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Patent number: 10121353Abstract: 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, an electronic circuit configured to receive the electrical voltage from the water-activated battery, where the electronic circuit is configured to communicate with an external, electronic device upon receipt of the electrical voltage, and a housing configured to receive the water-activated battery and the electronic circuit, where the housing has passageways configured to facilitate movement of water into the housing and toward the battery.Type: GrantFiled: June 28, 2017Date of Patent: November 6, 2018Assignee: United Services Automobile Association (USAA)Inventors: Bradly Jay Billman, Kade Scott, Matthew T. Flachsbart, Cory Matheson, Benjamin D. Ethington
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Patent number: 10120773Abstract: Methods and systems are disclosed for determining a CPU usage adjustment factor and for automatically applying the CPU usage adjustment factor to provide a CPU usage estimate for an SMT processor. In one implementation, the methods and systems obtain samples of CPU usage reported by the operating system at a predefined sampling rate over a predefined sampling interval. Thread states for the threads substantially corresponding to the reported CPU usage are so obtained at the predefined sampling rate and over the predefined sampling interval. This sampling may be performed for servers running different applications and having diverse processing loads. An estimate of the distribution of the number of threads running for the CPU usages reported may then be determined from the sampled data. A CPU usage adjustment factor may then be derived, based on the distribution, and used to provide a CPU usage estimate.Type: GrantFiled: September 17, 2013Date of Patent: November 6, 2018Assignee: United Services Automobile Association (USAA)Inventor: Glen A. Becker
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Patent number: 10119884Abstract: The present disclosure relates to a water detection device that includes a water-activated battery configured to switch from a dormant condition to an active condition upon contact with water, such that the water-activated battery supplies an electrical voltage upon contact with the water, an electronic circuit configured to receive the electrical voltage from the water-activated battery, where the electronic circuit is configured to communicate with an external, electronic device via one or more wireless communication techniques when the electronic circuit is powered by the electrical voltage, and where communication between the electronic circuit and the external, electronic device is an uninterrupted communication when the electronic circuit is receiving the electrical voltage from the water-activated battery, and a housing configured to receive the water-activated battery and the electronic circuit, where the housing has passageways configured to facilitate movement of the water into the housing and towarType: GrantFiled: June 28, 2017Date of Patent: November 6, 2018Assignee: United Services Automobile Association (USAA)Inventors: Bradly Jay Billman, Kade Scott, Matthew T. Flachsbart, Cory Matheson, Benjamin D. Ethington
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Patent number: 10116699Abstract: Enhanced electronic security systems and methods are provided. A whitelist, blacklist, or both of resource access sources that are allowed to use a particular resource access account are obtained. Upon detecting an access attempt to a particular resource on a computer network, a source of the access attempt and a resource access account used in the access attempt is identified. The whitelist, blacklist, or both are referenced to determine if the source of the access attempt is allowed to use the resource access account used in the access attempt. When the source of the access attempt is not allowed to use the resource access account used in the access attempt, one or more mitigation tasks may be performed.Type: GrantFiled: April 25, 2016Date of Patent: October 30, 2018Assignee: United Services Automobile Association (USAA)Inventors: Kevin Glynn Paterson, Neelsen Cyrus
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Patent number: 10117097Abstract: Techniques are described for cross-device authorization using a wireless network connection. Computing device(s) may broadcast an identification signal indicating that the device is authorized to access a remote service, and is therefore available to provide an authorization token to a receiving device. The receiving device may determine one of the broadcasting device(s) to use for cross-device authorization. The receiving device may send a request, to the determined broadcasting device, for an authorization token to access the remote service. The broadcasting device may receive the request and transmit a message to a server device indicating that an authorization token is to be provided to the receiving device. Alternatively, the authorization token may be sent directly from the broadcasting device to the receiving device (e.g., over the wireless communication network). On receiving the authorization token, the receiving device may use the it to access the remote service.Type: GrantFiled: March 6, 2017Date of Patent: October 30, 2018Assignee: United Services Automobile Association (USAA)Inventors: Brandon Scott Kotara, Cale Riley Spratt, Adrian Borunda, Jeffrey Joseph Szcinski, Richard Tanner
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Patent number: 10110545Abstract: Methods, systems, and apparatus, including computer programs encoded on a non-transitory computer-readable medium, for obtaining a plurality of social media posts published by at least one social networking service, the social media posts including references to an entity, providing a social engagement value based on the plurality of social media posts, the social engagement value including a numeric value indicative of a level of social engagement of the entity with users in the at least one social networking service and selectively adjusting activities of the entity within the at least one social networking service based on the social engagement value.Type: GrantFiled: March 29, 2016Date of Patent: October 23, 2018Assignee: United Services Automobile Association (USAA)Inventors: Luis Carlos Freay, Raul Martinez, Renee Lynette Horne, Brian Alexander Schwegler, Mandy W. Campbell, Jo A. Higle
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Patent number: 10102584Abstract: An insurance data gathering process contingent upon dynamically captured image and informatics sensor data. The captured image data may be used to facilitate rapid insurance-related decisions. In regards to a decision to be rendered for a property insurance policy, at least one image is retrieved associated with the property. One or more accounts associated with the insured are identified and one or more risks characteristics are identified regarding the insured. An aggregated dataset is provided from the at least one image, one or more accounts and risk characteristics associated with the insured. Predictive analysis is performed on the aggregated dataset to render a risk profile for the insured regarding an insurance policy for the property. A decision is rendered regarding the insured and the insurance policy based at least in-part upon the rendered risk profile.Type: GrantFiled: July 7, 2014Date of Patent: October 16, 2018Assignee: United Services Automobile Association (USAA)Inventors: Ramsey Devereaux, Mark Davis, Michael J. Allen, Spencer Read, Kathleen L. Swain
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Patent number: D832293Type: GrantFiled: April 5, 2017Date of Patent: October 30, 2018Assignee: United Services Automobile Association (USAA)Inventor: Cathy de la Garza
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Patent number: D835140Type: GrantFiled: September 29, 2016Date of Patent: December 4, 2018Assignee: United Services Automobile Association (USAA)Inventors: Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Richard R. Rohrbough, Paul LaFleur, Emily Eaton, Joseph Wall, Nathan J. Rowe, Gualberto Camacho, Melisa Izaguirre