Patents Assigned to United Services Automobile Associations (USAA)
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Patent number: 10609072Abstract: The present invention is a system and method for detecting malicious use of a company email.Type: GrantFiled: November 3, 2017Date of Patent: March 31, 2020Assignee: United Services Automobile Association (USAA)Inventor: Duane E. Weldon
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Patent number: 10600123Abstract: Automobile accident claims initiation systems and methods are describe. An insured driver may initiate a claim by operating a mobile device. The system provides automated inquiries to the driver through the mobile device. The driver provides responses to the inquiries using the mobile device. The driver may provide images and audio data, as well as personal information and information on the parties and vehicles involved in the accident. The system may automatically arrange for services such as a rental car or a tow truck. The system may provide claim information, such as a claim number to the driver by transmitting information to the mobile device.Type: GrantFiled: March 6, 2014Date of Patent: March 24, 2020Assignee: United Services Automobile Association (USAA)Inventors: Reynaldo Medina, III, Charles L. Oakes, III, Bradly Jay Billman, Michael P. Bueche, Jr.
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Patent number: 10602359Abstract: 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 it to access the remote service.Type: GrantFiled: June 20, 2019Date of Patent: March 24, 2020Assignee: 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: 10601993Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for sending a forked media stream of an electronic communication between a customer and an agent to an analysis system for a duration. Receiving analysis results obtained from one or more analytics performed on the forked media stream. Then, determining whether to perform one or more operations in response to the analysis results.Type: GrantFiled: May 6, 2019Date of Patent: March 24, 2020Assignee: United Services Automobile Association (USAA)Inventors: Vijay Jayapalan, Greg Yarbrough, Eric J. Smith
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Patent number: 10599143Abstract: 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: GrantFiled: January 12, 2018Date of Patent: March 24, 2020Assignee: United Services Automobile Association (USAA)Inventors: Kade L. Scott, Benjamin D. Ethington, Richard Daniel Graham, Matthew T. Flachsbart
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Patent number: 10601819Abstract: Techniques provided herein relate to electronic authentication on public systems. A backend system receives at least one electronic data action request from a publicly available client system that is shared amongst a plurality of users. At least a portion of the primary authentication information is received from a secondary device separate from the publicly available client system. The electronic data action request is authenticated by determining if the primary authentication information matches expected primary authentication information that is expected to complete the electronic data action request. Performance of the electronic data action request is facilitated when the primary authentication information matches the expected primary authentication information.Type: GrantFiled: December 20, 2018Date of Patent: March 24, 2020Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Vijay Jayapalan, Thomas Bret Buckingham
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Patent number: 10601842Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving first user input by a primary device from a primary input device, where the user input is provided by a user to the primary input device that is coupled to a primary device. Receiving second user input provided by the user to a secondary input device that is in communication with the primary device. Determining a user credential based on the first user input and the second user input, where at least one or the first input and the second input includes at least a portion of the user credential. Receiving an indication that the user is authentic based on the user credential, and, in response, enabling the user to further interact with the primary device.Type: GrantFiled: June 18, 2018Date of Patent: March 24, 2020Assignee: United Services Automobile Association (USAA)Inventors: Kevin G. Paterson, Noah A. McConnell
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Patent number: 10592486Abstract: Systems, methods, and computer-readable and executable instructions are provided for providing a device agnostic active/active data center. Providing a device agnostic active/active data center can include receiving user communication assigned from a content delivery network (CDN) provider. In addition, providing a device agnostic active/active data center can include determining a designated database for the user communication. Furthermore, providing a device agnostic active/active data center can include assigning a destination address to the designated database for the user communication.Type: GrantFiled: August 10, 2017Date of Patent: March 17, 2020Assignee: United Services Automobile Association (USAA)Inventors: Christopher T. Wilkinson, Shannon Thornton, Phillip C. Schwesinger, Jason P. Larrew, Tommy B. Lavelle
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Patent number: 10595206Abstract: Embodiments disclosed herein describe multi-challenge, multi-level authentication systems, methods and products. Each authentication challenge may be independent of other challenges and may be associated with a particular network resource or functionality. Counters may track the number of attempts for each authentication challenge and each type of network resource and functionality. Each authentication challenge, network resource, or network functionality may be independently locked and unlocked based on the attempts tracked by the counters. Furthermore, the authentication system may configure the authentication challenges hierarchically, and a higher level challenge may unlock a locked lower level challenge. Therefore, embodiments disclosed herein significantly improve upon the conventional all-in/all-out binary authentication systems and methods.Type: GrantFiled: August 19, 2019Date of Patent: March 17, 2020Assignee: United Services Automobile Association (USAA)Inventors: Noel Robert Latsha, William Rudolph Wolf, Benjamin Van Ruitenbeek, Marcus Pierce Jameson, Dereck Marsh Henson
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Patent number: 10586062Abstract: Aspects herein relate to storing information concerning rights and liabilities or other records on distributed ledgers. A method disclosed can include identifying a transferor blockchain associated with rights and liabilities for transfer from a transferor to an acquirer, identifying an acquirer blockchain associated with the acquirer, creating an interim blockchain including the rights and liabilities, generating entries to the transferor blockchain removing the rights and liabilities, and generating entries to the acquirer blockchain adding the rights and liabilities. Another method disclosed can include identifying a critical record of a party, identifying a blockchain associated with the party, and generating an entry on the blockchain associated with the critical record, the entry having permissions related to at least the party.Type: GrantFiled: November 22, 2016Date of Patent: March 10, 2020Assignee: United Services Automobile Association (USAA)Inventors: Gopinath Rangan, John C. Hopkins, III
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Patent number: 10586289Abstract: An indication of an incident associated with a vehicle may be received via a communication protocol. The indication of the incident may be received from a mobile device. The indication of the incident may be received by a computing device, such as a computing device comprising a processor and memory coupled to the processor. If the communication protocol comprises a cellular protocol, a coverage area of a network cell in communication with the mobile device may be determined. An assistance service may be dispatched to the coverage area of the network cell. If the communication protocol comprises a wireless protocol, such as a Wi-Fi protocol, a coverage area of a wireless access point in communication with the mobile device may be determined. An assistance service may be dispatched to the coverage area of the access point.Type: GrantFiled: November 22, 2017Date of Patent: March 10, 2020Assignee: United Services Automobile Association (USAA)Inventors: Rickey Dale Burks, Charles L. Oakes, III, Michael P. Bueche, Jr., Bradly Jay Billman
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Patent number: 10579742Abstract: Techniques are described for data transformation performed based on a current emotional state of the user who provided input data, the emotional state determined based on biometric data for the user. Sensor(s) may generate biometric data that indicates physiological characteristic(s) of the user, and an emotional state of the user is determined based on the biometric data. Different dictionaries and/or dictionary entries may be used in translation, depending on the emotional state of the sender when the data was input. In some implementations, the emotional state of the sending user may be used to infer or otherwise determine that a translation was incorrect. The input data may be transformed to include information indicating the current emotional state of the sending user when they provided the input data. For example, the output text may be presented in a user interface with an icon and/or other indication of the sender's emotional state.Type: GrantFiled: August 8, 2017Date of Patent: March 3, 2020Assignee: United Services Automobile Association (USAA)Inventor: Amanda S. Fernandez
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Patent number: 10579796Abstract: Disclosed herein are systems and methods of executing scanning software, such an executable software program or script (e.g., PowerShell script), by a computing device of an enterprise, such as a security server, may instruct the computing device to search all or a subset of computing devices in an enterprise network. The scanning software may identify PowerShell scripts containing particular malware attributes, according to a malicious-code dataset. The computing system executing the scanning software may scan through the identified PowerShell scripts to identify particular strings, values, or code-portions, and take a remedial action according to the scanning software programming.Type: GrantFiled: November 28, 2017Date of Patent: March 3, 2020Assignee: United Services Automobile Association (USAA)Inventor: Robert Jason Neel
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Patent number: 10574820Abstract: Techniques are described for analyzing communications sent during a service session to provide (e.g., customer) service on a social media channel, the analysis to determine a quality of service provided during the session. Natural language processing, lexical analysis, pattern matching, or other types of analysis may be used to determine an empathy factor and a conversational factor for communications between a service representative (SR) and a user during a session. The factors may be combined with other factors, such as a timely acknowledgement factor and a timely resolution factor, to generate a response quality index (RQI) for the session. Based on the RQI, feedback information may be generated and sent to the SR. In some implementations, the communications may be analyzed and feedback information sent to the SR in real time during the session, to dynamically improve service quality.Type: GrantFiled: May 14, 2018Date of Patent: February 25, 2020Assignee: United Services Automobile Association (USAA)Inventors: Renee Lynette Horne, Julie Finlay
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Patent number: 10572727Abstract: Techniques are described for migrating information from a first account to a second account, based on analyzed image(s) of document(s). Image(s) of a document may be generated using an image capture device of a smartphone or other portable computing device. The image(s) may be analyzed, through pattern recognition analysis or barcode scanning, to extract the information from the image(s). The information may then be employed to schedule a transaction, such as payment of a bill described in the information. In some instances, the extracted information may be used as part of an account migration process, in which transactions are migrated from a first account to a second account.Type: GrantFiled: January 31, 2018Date of Patent: February 25, 2020Assignee: United Services Automobile Association (USAA)Inventors: Justin Sachtleben, Cisco Iguaran, Annette Mumme, Jonathan Dennis Velazquez
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Patent number: 10574818Abstract: Techniques are described for analyzing communications sent during a service session to provide (e.g., customer) service on a social media channel, the analysis to determine a quality of service provided during the session. Natural language processing, lexical analysis, pattern matching, or other types of analysis may be used to determine an empathy factor and a conversational factor for communications between a service representative (SR) and a user during a session. The factors may be combined with other factors, such as a timely acknowledgement factor and a timely resolution factor, to generate a response quality index (RQI) for the session. Based on the RQI, feedback information may be generated and sent to the SR. In some implementations, the communications may be analyzed and feedback information sent to the SR in real time during the session, to dynamically improve service quality.Type: GrantFiled: May 14, 2018Date of Patent: February 25, 2020Assignee: United Services Automobile Association (USAA)Inventors: Renee Lynette Horne, Julie Finlay
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Patent number: 10574819Abstract: Techniques are described for analyzing communications sent during a service session to provide (e.g., customer) service on a social media channel, the analysis to determine a quality of service provided during the session. Natural language processing, lexical analysis, pattern matching, or other types of analysis may be used to determine an empathy factor and a conversational factor for communications between a service representative (SR) and a user during a session. The factors may be combined with other factors, such as a timely acknowledgement factor and a timely resolution factor, to generate a response quality index (RQI) for the session. Based on the RQI, feedback information may be generated and sent to the SR. In some implementations, the communications may be analyzed and feedback information sent to the SR in real time during the session, to dynamically improve service quality.Type: GrantFiled: May 14, 2018Date of Patent: February 25, 2020Assignee: United Services Automobile Association (USAA)Inventors: Renee Lynette Horne, Julie Finlay
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Patent number: 10572884Abstract: Disclosed herein are systems and methods executing a security server that perform various processes using alert elements containing various data fields indicating threats of fraud or attempts to penetrate an enterprise network. Using alert elements, the security server generate integrated alerts that are associated with customers of the system and assign a risk score for the integrated alerts, which the security server uses to store and sort the integrated alerts according to a priority, based on the relative risk scores. Analyst computers may query and fetch integrated alerts from an integrate alert database, and then present the integrate alerts to be addressed by an analyst according to the priority level of the respective integrated alerts. This allows to ensure that the right customer, is worked by the right analyst, at the right time, to maximize fraud prevention and minimize customer impact.Type: GrantFiled: April 13, 2018Date of Patent: February 25, 2020Assignee: United Services Automobile Association (USAA)Inventors: Jansey Comeaux, Michael Scott McQuarrie, Gregory Sansone, Veronica Santiago
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Patent number: 10572949Abstract: Systems and methods for providing persistent state are described herein. One or more embodiments include verifying access information provided by a user of a first device in connection with a user initiated transaction session, maintaining a current state of the transaction session in a persistent store, establishing a session key corresponding to the transaction session, providing the session key to the user, and providing the user access to the current state of the transaction session via a second device in response to validation of the session key received from the second device.Type: GrantFiled: January 22, 2018Date of Patent: February 25, 2020Assignee: United Services Automobile Association (USAA)Inventor: Michael Patrick Bueche, Jr.
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Patent number: D878385Type: GrantFiled: May 16, 2017Date of Patent: March 17, 2020Assignee: United Services Automobile Association (USAA)Inventors: Josh Medrano, Jim Shamlin, Lorraine Moreno