Patents Assigned to USAA
  • Patent number: 12160430
    Abstract: Embodiments are described herein for systems and methods for continuously monitoring an electronic device to determine if tampering is possibly occurring with respect to the electronic device. For example, in certain embodiments, a hardware monitoring device may be configured to be communicatively coupled to the electronic device, and to transmit a command signal indicative of a network connectivity alarm to the electronic device in response to detecting that the hardware monitoring device has lost connection with a communication network. In addition, in certain embodiments, the hardware monitoring device may also be configured to indirectly couple the electronic device to a power source, and to transmit a command signal indicative of a tampering alarm in response to detecting that the hardware monitoring device has lost connection with the power source.
    Type: Grant
    Filed: June 22, 2021
    Date of Patent: December 3, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Thomas Wayne Schwarz, Jr., Sean Carl Mitchem, Timothy Blair Chalmers, Robert Lee Black, Gideon Bowie Luck
  • Patent number: 12160420
    Abstract: Techniques provided herein relate to electronic data access requests. An access system receives at least one electronic data action request from a client. At least a portion of the data access authentication information is sourced from a secondary device connected to an intermediary device. The electronic data action request is authenticated based upon the data access authentication information.
    Type: Grant
    Filed: July 5, 2023
    Date of Patent: December 3, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Vijay Jayapalan, Thomas Bret Buckingham
  • Patent number: 12159310
    Abstract: An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.
    Type: Grant
    Filed: March 1, 2024
    Date of Patent: December 3, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Patrick Bueche, Jr., Bharat Prasad, Minya Liang, Reynaldo Medina, Charles Lee Oakes, III
  • Patent number: 12157427
    Abstract: The present disclosure relates generally to aggregation of data associated with events related to automotive vehicles. Automotive vehicles may include a variety of sensing devices used in local sensing operations. However, these sensing devices may not be leveraged beyond the local sensing operations. When automotive vehicles are operated, sometimes events occur. As discussed herein, an event-based data aggregation service may aggregate sensing data from one or more sensing devices, such as sensing devices of the automotive vehicles, in response to receiving an event notification associated with one or more of the events and may use the sensing data when responding to the event notification.
    Type: Grant
    Filed: August 30, 2023
    Date of Patent: December 3, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Yevgeniy Viatcheslavovich Khmelev, Oscar Guerra, Jeffrey Neal Pollack, Janelle Denice Dziuk, Ashley Raine Philbrick, Ryan Thomas Russell, David Patrick Dixon
  • Patent number: 12154167
    Abstract: A budget management guidance system includes a portable device having processing circuitry and a storage device. The processing circuitry is configured to receive product imagery related to a product, determine a purchase price of the product based on the product imagery, access a budget goal for a user from the storage device, and instruct output of a notification on a graphical user interface of the portable device in response to determining that the purchase price of the product exceeds the budget goal for the user.
    Type: Grant
    Filed: December 13, 2021
    Date of Patent: November 26, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Will Kerns Maney, Zachery C. Lake, Yevgeniy Viatcheslavovich Khmelev
  • Patent number: 12154333
    Abstract: Augmented reality (AR) technology can be used to perform a real-time overlay on an image displayed on a user device. A user device can receive image data of an area comprising an item from the real-world. Based on the image data, an identity and a value of the item can be obtained by the user device. If the value of the item is greater than a pre-determined value for the item or a category of the item, then the user device can obscure in real-time on the displayed image the item or category of the item having the value that is greater than the pre-determined value.
    Type: Grant
    Filed: June 16, 2023
    Date of Patent: November 26, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Lars Plougmann
  • Patent number: 12154113
    Abstract: Techniques are described for managing transactions requested by a user, such management based on sensor data that is generated by sensor device(s) in proximity to the user. Biometric and/or other types of data may be generated using sensors that are included in a user device, worn by a user, and/or otherwise in proximity to the user. The data may be analyzed to determine a current physical, emotional, and/or intellectual state of the user, such as whether the user is intoxicated, exhausted, angry, depressed, under duress, experiencing dementia, and so forth. If a transaction is detected that conflicts with a previously specified constraint, such as a budget or spending rule of the user, and if the user is currently in an impaired state, action(s) may be taken to manage the transaction. Such action(s) may include blocking the transaction, delaying the transaction, and/or notifying another party to assist the user.
    Type: Grant
    Filed: October 21, 2021
    Date of Patent: November 26, 2024
    Assignee: United Services Automobile Associatio (USAA)
    Inventors: Arthur Quentin Smith, John C. Hopkins, III
  • Patent number: 12155790
    Abstract: Methods and systems for multiple channel authentication are described. In one embodiment, a request for an interaction is initiated from within a mobile application. The request may include authentication information and contextual information relating to a current exchange between the mobile application and an organization. The user may be authenticated with the authentication information and the request may be routed to a representative based on the contextual information to continue the exchange.
    Type: Grant
    Filed: May 2, 2023
    Date of Patent: November 26, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Anthony Scott Farnsworth, Zakery Layne Johnson, Joshua S. Kerr, Eric Smith, Charles Lee Oakes, III, Thomas Bret Buckingham, Maland Keith Mortensen, John Raymond Harris, Joshua Samuel Leonard, Vijay Jayapalan, Minya Liang, Justin Dax Haslam, Robert Barner, Ross Andrew Thiele
  • Patent number: 12154598
    Abstract: A system and method for editing videos is disclosed. Specifically, the embodiments provide systems and methods that allow users to generate synthetic video segments that are synchronized with an edited audio track. The system and method make use of autoencoders to modify the facial features, including mouth movements, of a subject.
    Type: Grant
    Filed: March 28, 2023
    Date of Patent: November 26, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Ravi Durairaj, Joel S. Hartshorn, Nathan Lee Post
  • Patent number: 12154118
    Abstract: A method and system of providing customer-specific information and guidance to support agents during calls with customers. The information includes a summary of in-app activity by the customer prior to the call between the customer and a support agent. The method includes receiving and storing the in-app activity in an activity record associated with the customer's account. The activity record is retrieved in response to a communication session being initiated or occurring between the customer and support agent and presented to the support agent in order to facilitate the conversation and expedite the resolution process.
    Type: Grant
    Filed: February 22, 2022
    Date of Patent: November 26, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Yevgeniy Viatcheslavovich Khmelev, Robert Andrew Massie, David Campbell, Gregory Brian Meyer
  • Patent number: 12154182
    Abstract: A central management system includes one or more processors configured to receive mapping data associated with a target property, identify, via machine learning, a geographic characteristic of interest specific to the target property, determine a modification of the geographic characteristic based on the mapping data, identify an impact of the modification to the target property, and provide an indication of the impact via a graphical user interface.
    Type: Grant
    Filed: May 25, 2022
    Date of Patent: November 26, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ravi Durairaj, Rachel Michelle Ballew, Natalie Kay Helsen, Eric David Schroeder, Amber Nicole Sodikov, David Joaquin Harris
  • Patent number: 12147552
    Abstract: Embodiments of the present disclosure include systems and methods for scanning for and identifying sensitive data in unexpected locations of data storage structures. Once sensitive data is found in unexpected locations of data storage structures, actions can be taken to remediate the unexpected storage of the sensitive data.
    Type: Grant
    Filed: November 16, 2021
    Date of Patent: November 19, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Peter Gout, Christopher Edward Flores, Benjamin James Nadeau, Fredrick William Rodgers
  • Patent number: 12147563
    Abstract: The present disclosure relates to a system, method, and apparatus for securing electronic personal identifying information. The system enhances data privacy, by minimizing the amount of authentic personal identifying information that is shared with a third party. Namely, the system includes a database of known websites, apps, etc. that require personal identifying information to sign up—and then classifies whether any given type of information is strictly necessary to the functioning of the website. The system then generates placeholder “dummy” data for any fields that are required for signup, but are not strictly necessary for the website to function. The system allows for creation of several user profiles that vary the amount of authentic personal identifying information to be shared, based on the user's preferences. The system therefore helps to secure personal information in the event that, for example, the website later has a data breach.
    Type: Grant
    Filed: November 10, 2021
    Date of Patent: November 19, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Jay Szentes, Sumita T. Jonak, Brian Christopher Hawes, Shane Elliot Richard
  • Patent number: 12147548
    Abstract: The present disclosure is related to a system that may include a storage component and a computing device. The storage component may store applications and datasets associated with a user. The computing device may execute each of the applications. One of the applications may perform operations, including receiving a list of the applications, determining a privacy exposure of the user based on at least a portion of the datasets accessed by the applications, and generating a privacy report based on the privacy exposure.
    Type: Grant
    Filed: July 27, 2021
    Date of Patent: November 19, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ric M. Pena, Arthur Quentin Smith, Brian Tougas
  • Patent number: 12147982
    Abstract: Techniques are described for managing devices, such as Internet of Things (IoT) devices, using smart contract(s) on a distributed ledger (e.g., blockchain). Smart contract(s) executing on a distributed ledger may control access to one or more devices in a home or other environment. The smart contract(s) may employ information stored on the distributed ledger and information in a transaction sent to the smart contract(s) to determine whether particular user(s) and/or process(es) may access the device(s), issue commands to the device(s), access data generated by the device(s), and/or control the device(s). The smart contract(s) may provide a secure portal through which user(s) and/or service(s) may access device(s) for command and control of such device(s), and secure access may be based on permission information that is specified or provided by an owner or operator of the device(s) and that is stored on the distributed ledger.
    Type: Grant
    Filed: July 24, 2023
    Date of Patent: November 19, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Ruthie D. Lyle, Minya Liang, Thomas Bret Buckingham
  • Patent number: 12147963
    Abstract: Various embodiments of the present disclosure generally relate to transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.
    Type: Grant
    Filed: June 23, 2023
    Date of Patent: November 19, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: David Patrick Dixon, John Hope, John Loflin, Ogechi Namme, Andre Rene Buentello, Bradly Jay Billman, Sharon Kay Haverlah, Ross Andrew Thiele, Gunjan Vijayvergia, Michael Joseph Gaeta
  • Patent number: 12147451
    Abstract: Data processing techniques are described to obtain user data previously collected when a user is requested to complete application forms associated with multiple servers. The application forms may include some fields that may be in common and that may request the same user data. For each application form requested by the user, the data processing techniques can identify and obtain the relevant previously collected data about the user for the application form. The application form for a product can have certain fields that may be pre-filled based on the relevant and/or non-confidential previously collected user data. The data processing techniques can also provide an estimate of the time that may be needed by the user to complete at least one application form so that the user can obtain a requested product.
    Type: Grant
    Filed: July 18, 2023
    Date of Patent: November 19, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher James Waful, Brennen Michael Ricks, Kathryn Babb, Curtis Mark Bell
  • Patent number: 12149834
    Abstract: A system and method for optimizing the exposure of a video feed is disclosed. The method includes controlling a camera to capture a video feed with alternating exposures for each video frame. Groups of alternating exposures are then merged to create composite images that are used to create a modified video feed.
    Type: Grant
    Filed: September 29, 2022
    Date of Patent: November 19, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Celena Dortch, Sacha Melquiades De'Angeli
  • Patent number: 12144295
    Abstract: The present disclosure is related to a smart irrigation system that includes a first sensor configured to monitor a moisture level at a location and a second sensor configured to monitor a contamination level within a fluid. The smart irrigation system also includes one or more processors configured to receive a first signal from the first sensor, receive a second signal from the second sensor, and route the fluid to the location in response to the first signal indicating that the moisture level is below a moisture threshold and the second signal indicating that the contamination level is below a contamination threshold.
    Type: Grant
    Filed: June 7, 2023
    Date of Patent: November 19, 2024
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Gregory David Hansen, Andre Rene Buentello, Jose L. Romero, Jr., Nina Cooper, Galo M. Alava
  • Patent number: 12148025
    Abstract: Systems and methods described herein facilitate the tracking of shared ownership of assets, such as real property as well as other types of property, using distributed ledger technology (DLT) techniques. For example, in timesharing scenarios, by storing data relating to shared ownership of particular assets in a distributed ledger, such as a blockchain, various aspects of the shared ownership of the shared asset may be tracked in an immutable and secure manner with all parties involved having transparency into the data relating to the shared asset. For example, the embodiments described herein enable tracking of certain aspects relating to shared ownership of a shared asset, such as scheduling of time periods during which certain share owners may take custody, tracking of transfers of custody of the shared asset between share owners, transfer of control of smart devices associated with the shared asset, and so forth.
    Type: Grant
    Filed: October 12, 2023
    Date of Patent: November 19, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Thomas Wayne Schwarz, Jr., Snehal Desai, Nolan Serrao, Jeanie Graciela Lopez, Jennifer Hunt Erickson, Bharat Prasad, Yevgeniy Viatcheslavovich Khmelev, Joel S. Hartshorn