Patents Assigned to United Services Automobile Association
  • Patent number: 11914774
    Abstract: Techniques are described for dynamically determining the flow of screens to be presented in a user interface (UI) of an application executing on a computing device, based at least partly on a detected presence of a user device (e.g., a portable computing device) in a particular geographic area. Area designation data is transmitted to, and stored on, a user device. The area designation data can describe a geofenced area and/or beacon signals. In response to determining that the user device is in the geographic area indicated by the area designation data, the user device may transmit an alert signal that causes an interface flow to be dynamically determined and executed for an application executing on the computing device that is separate from the user device.
    Type: Grant
    Filed: February 22, 2022
    Date of Patent: February 27, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: James Malcolm Spears, John David Clark, Lisa Horgan, John David Windham
  • Patent number: 11909876
    Abstract: Embodiments disclosed herein allow multiple providers to answer for DNS while having DNSSEC enabled for the same zone. To do so, the system shares DNSKEY records between autonomous DNS vendors. Sharing DNSKEY records allows customers to use multiple DNS providers with DNSSEC enabled without sharing private keys amongst providers.
    Type: Grant
    Filed: June 15, 2022
    Date of Patent: February 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Jason Paul Larrew
  • Patent number: 11907968
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to improve the impact of digital media. One of these methods includes providing a non-affiliated advertisement to a plurality of users. The method includes receiving indications that a subset of the plurality of users have viewed the non-affiliated advertisement. The method also includes creating a control group for an advertisement from the subset of the plurality of users that received the non-affiliated advertisement.
    Type: Grant
    Filed: November 9, 2022
    Date of Patent: February 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Richmond E. Meier, Charles Holbrook Moore, Douglas Michael Mowen
  • Patent number: 11907993
    Abstract: Techniques are described for determining a value metric for each of a plurality of payment cards, and recommending payment card(s) based on their respective value metrics. Implementations provide a recommendation engine that analyzes user data and card data, and recommends payment card(s) that may be suitable for a user. The engine consumes usage data and credit score and uses that information, along with characteristics of various available cards, to develop a value metric for each payment card that indicates how valuable owning the card would be to the particular user, such as how much money the user can expect to make or lose every year if they use the card as indicated, given the card's interest rate, rewards, fees, and so forth. The engine can rank the cards according to their value metrics, and the top-ranked card(s) are presented to the user as recommendations in a user interface.
    Type: Grant
    Filed: August 20, 2019
    Date of Patent: February 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher Patrick Kelley, Jarrod Lawrence Joplin, Daniel Ronald Zaharia, Carly Jean Stevens, Sean Holstien, Cornelius Williams, Trisha Suzanne Mock, Elainie B. Hicks, Christopher Gregory, John Griffin, Ryan Clark, Audra Kelley
  • Patent number: 11908297
    Abstract: A system may include a processor. The processor may be configured to receive a first indication indicative of presence of a person arriving at a location associated with a scheduled service. The process may also be configured to determine whether the first indication corresponds to an expected arrival time of the scheduled service. Additionally, the processor may receive activity data in response to determining that the indication corresponds to the expected arrival time. Further, the processor may receive a second indication indicative that the person has completed the scheduled service. Further still, the processor may determine whether the scheduled service is completed based at least in part on the activity data. Even further, the processor may transmit a service confirmation to a computing device associated with a property owner of the location in response to determining that the scheduled service is completed.
    Type: Grant
    Filed: July 1, 2021
    Date of Patent: February 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Emily Margaret Gray, Daniel Christopher Bitsis, Jr., Robert Wiseman Simpson, Manfred Amann, Donnette Moncrief Brown, Eric David Schroeder, Meredith Beveridge, Michael J. Maciolek, Bobby Lawrence Mohs, Brian F. Shipley, Justin Dax Haslam, Qunying Kou, Ashley Raine Philbrick, Thomas Wayne Schwarz, Jr., Snehal Desai, Nolan Serrao, Jeanie Graciela Lopez, Jennifer Hunt Erickson, Bharat Prasad, Yevgeniy Viatcheslavovich Khmelev, Joel S. Hartshorn
  • Patent number: 11899909
    Abstract: The present invention provides a system and method for identifying, tagging and reporting hazardous drivers in the vicinity of a host vehicle. A system comprises a sensor array on the host vehicle for detecting one or more adjacent vehicles in a vicinity of the host vehicle, a host display inside the host vehicle visible to the occupant of the host vehicle, and at least one adjacent vehicle display inside the one or more an adjacent vehicles visible to at least one adjacent vehicle occupant of the one or more adjacent vehicles. A server electronically coupled to the sensor array and the host display is configured to facilitate identification and tagging.
    Type: Grant
    Filed: November 2, 2022
    Date of Patent: February 13, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Matthew T. Flachsbart, Ameer A. Noorani, Bradly Jay Billman, Snehal Desai, Cory Matheson, James Phillip Hillman, Andrew L. Anaruk
  • Patent number: 11900755
    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 30, 2020
    Date of Patent: February 13, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Michael Patrick Bueche, Jr.
  • Patent number: 11900429
    Abstract: The described systems and methods provide a user's mobile device with a graphical user interface that can provide information about the lowest price offered for one or more products. For instance, when a person at a physical retail store places one or more products in a physical shopping cart, a scanning device may scan the one or more products to obtain information about the one or more products, the scanned information is sent to a server that provides pricing and store location information to a mobile device based on the scanned information, the pricing and store location information can be analyzed by the mobile device to display the lowest price and store location for each product.
    Type: Grant
    Filed: November 18, 2021
    Date of Patent: February 13, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michelle Susan Croak, Stephen Joseph Contreras, Jo Anne Yau, Charise Renee Whitaker, Jason Algernon Webster, Salvador J. Rodriguez, Jon D. McEachron, Kimberly Wiessner, Oscar Guerra
  • Patent number: 11900786
    Abstract: A power outage detection system may include a device processor; and a non-transitory computer readable medium including instructions executable by the device processor to perform the following steps: receiving information indicative of the status of electrical power at a plurality of locations within a geographic region; determining the status of electrical power in the geographic region based on the status of electrical power at the plurality of locations; and sending information regarding the status of electrical power to a plurality of users of the system.
    Type: Grant
    Filed: December 2, 2022
    Date of Patent: February 13, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Meredith Beveridge, Michael J. Maciolek, Robert Wiseman Simpson, Daniel Christopher Bitsis, Jr., Bobby Lawrence Mohs, Manfred Amann, Emily Margaret Gray, Donnette Moncrief Brown
  • Patent number: 11900470
    Abstract: A first inspection of insured property is performed to detect hazardous conditions related to the insured property. This first inspection is performed using a first set of imagery data received from one or more imagery data sources. One or more preventive measures are recommended to address the detected hazardous conditions based on analysis of the first set of imagery data. A second inspection is performed using a second set of imagery data received from the imagery data sources. The second inspection is performed to verify that recommended preventive measures have been taken. The first and second sets of imagery data may contain satellite and aerial imagery. The imagery data sources may provide information such as an image of an insured property's roof, an image of a terrain surrounding the insured property, or any other aerial images.
    Type: Grant
    Filed: March 9, 2021
    Date of Patent: February 13, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, Tearanie Kennedy, Michael J. Allen, Spencer Read, Elizabeth J. Rubin, Mark A. Zuwala, Mark F. Davis, Kathleen L. Swain
  • Patent number: 11902242
    Abstract: Systems and techniques are provided herein to enable an authoritative DNS zone to utilize a forwarding service to resolve domain names that cannot be resolved by the authoritative DNS zone.
    Type: Grant
    Filed: December 14, 2021
    Date of Patent: February 13, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Jason Paul Larrew
  • Patent number: 11902463
    Abstract: A system may include a processor that may execute computer-executable instructions that cause the processor to receive caller information regarding an incoming communication from a caller and receive a request from a user to route the incoming communication to a virtual assistant application. The virtual assistant application is configured to interact with the caller and determine whether the caller is associated a fraudulent caller activity stored on databases accessible by the processor. The processor may then receive an indication from the virtual assistant application that the caller is associated with the fraudulent caller activity and forward the incoming communication to another party in response to receiving the indication.
    Type: Grant
    Filed: December 21, 2022
    Date of Patent: February 13, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Andre Rene Buentello, Mark Anthony Lopez, Gregory Brian Meyer, Ashley Raine Philbrick, Garrett Rielly Rapport, Jose L. Romero, Jr., Michael Jay Szentes
  • Patent number: 11902272
    Abstract: Systems and methods related to an online security center are provided. For example, a processor may receive authentication information via a first website, a first application, or both. The authentication information may be associated with an account registered with a second website, a second application, or both. The processor may store the authentication information. The processor may receive input of a selection related to managing a stored password of the authentication information. The processor may automatically generate a new password based at least in part on one or more password specifications that enhance security of the new password, a configurable time limit for changing the authentication information, or some combination thereof. The processor may then display a recommendation including the new password, automatically change the stored password to the new password, or some combination thereof, based on the input.
    Type: Grant
    Filed: February 1, 2021
    Date of Patent: February 13, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: James Neil Goings
  • Patent number: 11899830
    Abstract: A method may include detecting a keylogger based at least in part on an increase in power drawn by an input device, detecting the keylogger based at least in part on a driver of the input device, detecting the keylogger based at least in part on a duration of time that a signal generated by the input device takes to transmit to a computing device, or any combination thereof. The method may also include, in response to detecting the keylogger, generating an alert to indicate a presence of the keylogger.
    Type: Grant
    Filed: December 19, 2022
    Date of Patent: February 13, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ashley Raine Philbrick, Ryan Thomas Russell, David Joaquin Harris
  • Patent number: 11900783
    Abstract: A disaster preparation system may include a system controller, including a device processor, and a non-transitory computer readable medium including instructions executable by the device processor to perform the following steps: receiving location data from a personal electronic device of a user; receiving forecast data regarding a predicted disaster; making a determination of a preparatory action to be executed based on the location data and the forecast data; and executing the preparatory action at a predetermined time relative to the predicted time of the disaster. The computer readable medium may further include instructions for receiving vacancy data from a storage facility. In addition, the preparatory action may include coordinating an order of a moving service to move the user's belongings, and coordinating the order of the moving service may include determining a size of a moving vehicle based on the vacancy data received from the storage facility.
    Type: Grant
    Filed: February 23, 2023
    Date of Patent: February 13, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Meredith Beveridge, Michael J. Maciolek, Robert Wiseman Simpson, Daniel Christopher Bitsis, Jr., Bobby Lawrence Mohs, Manfred Amann, Emily Margaret Gray, Donnette Moncrief Brown
  • Patent number: 11900337
    Abstract: Techniques are described for creating and tracking receipts via a digital distributed ledger system. The techniques include receiving a purchase data, and transforming the purchase data into at least one receipt trail record. The techniques further include storing the receipt trail record in a least one block of digital distributed ledger system. The techniques additionally include distributing the at least one block among nodes of the digital distributed ledger system, wherein the digital distributed ledger system is configured to immutably store the data of the receipt trail record.
    Type: Grant
    Filed: December 13, 2021
    Date of Patent: February 13, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Jon Fisher
  • Patent number: 11893570
    Abstract: A system is described to authorize a transaction using blockchain technology. For example, a transaction authorization system comprises a point of sale (POS) device, a mobile device, and a payment blockchain. The POS device can initiate a transaction by scanning one or more items to be purchased and generating a code comprising a transaction identifier and a total cost of the one or more items. The mobile device can receive the code and can generate a token comprising the transaction identifier, total cost, a selected payment method identifier, and a value that can identify an account of a person associated with the mobile device. The token is sent to a payment blockchain to authorize the transaction.
    Type: Grant
    Filed: November 20, 2020
    Date of Patent: February 6, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Brian Tougas, Carl Mehner, Jennifer Hunt Erickson, Sean Carl Mitchem, Brian F. Shipley, Joel S. Hartshorn, Nolan Serrao, Ji Qi
  • Patent number: 11893643
    Abstract: A system may include one or more sensors that acquire location information associated with the one or more sensors. The system may also include a processor that receives a first set of data comprising environmental information associated with a location, receives the location information from the one or more sensors, and determines whether a risk of damage to property associated with at least one of the one or more sensors is greater than a threshold based on the location information and the environmental information. When the risk is greater than the threshold, the processor may send a notification including the risk of damage to the property to a computing device that may provide an audio or visual indication of the notification.
    Type: Grant
    Filed: April 26, 2021
    Date of Patent: February 6, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Richard McAlister, Susan Dunham, Randall Yarbrough, Anthony Bishop
  • Patent number: 11893538
    Abstract: A system and method for capturing and automated processing aerial images of structures to assess structural damage is disclosed. The system comprises a computing system used to obtain images of selected locations associated with known structures at different points in time before and after a natural disaster. The images are used to automatically create three-dimensional models that are used to detect the specific portions of a structure that may be damaged as well as the spatial extent of that damage. In addition, the imagery can be fed into a damage classifier that automatically classifies the degree of damage and generates accurate estimates of repair costs. The system and method may be deployed to quickly assess damage of structures in a disaster area and provide reports of the damage to homeowners and/or insurers.
    Type: Grant
    Filed: June 16, 2022
    Date of Patent: February 6, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jess W. Gingrich, Yangqiu Hu, David Rogers
  • Patent number: D1014541
    Type: Grant
    Filed: December 27, 2022
    Date of Patent: February 13, 2024
    Assignee: 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