Patents Assigned to USAA
  • Patent number: 12184780
    Abstract: The present embodiments relate to establishing secure data communication using an Elliptic-curve Diffie-Hellman ephemeral (ECDHE) key agreement procedure. Devices in a network environment can utilize a key agreement procedure to establish secure communication between multiple application layers in a micro service architecture. Particularly, a tunnel can be established between a mobile device and an encryption service by transmitting key information between the mobile device and the encryption service. This can allow for encryption keys to only be accurately generated by the mobile device and encryption service. Accordingly, intermediary nodes may be unable to decrypt the data, allowing for safe and secure transport of sensitive data.
    Type: Grant
    Filed: January 3, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jason Paul Hendry, Zachary Curtis Wade, Daniel Thane Davidson, Patrick Joseph O'Neal, Justin Armstrong Leonard
  • Patent number: 12184472
    Abstract: Aspects of the present disclosure are directed to an automated remediation system that can receive service level objective (SLO) alerts or notifications and, based on the type, take automated remedial actions. The automated remediation system can perform automated responses to various SLO alerts such as latency alerts, error budget alerts, burn rate alerts, etc. The automated remediation system can utilize a mapping to select which automated response to perform; can measure the effectiveness of the automated response using a metric defined for the alert type; and, until the issue is resolved or no further actions are mapped to the alert type, can repeat the initial automated response or can take secondary automated responses. The automated remediation system can also report the alert and the remedial actions taken.
    Type: Grant
    Filed: March 3, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher Thomas Wilkinson, Robert L. Johnson
  • Patent number: 12182781
    Abstract: Illustrated herein are systems and methods of transferring physical currency into electronic credit that becomes electronically available. One method includes remotely and quickly depositing non-negotiable instruments, such as cash, by communicating information, such as an image of the currency, about the instrument to a depositor. An exemplary system includes computing devices and a capture module with a retrieval engine, a transmission engine, an inspection engine, and a conferral engine. The capture module receives information about a non-negotiable instrument, and an inspection engine analyzes the information to confirm if the unit of currency is authentic.
    Type: Grant
    Filed: September 24, 2021
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ryan T. Everett
  • Patent number: 12183469
    Abstract: A user score of a test for assessing a risk of a user of having or developing a contagious illness may be obtained, for each user of a plurality of users entering in a group setting. A group score based on the user scores associated with the plurality of users in the group setting may be generated. The group score indicating a group risk of a presence or development of the contagious illness in the group setting may be communicated for display. Group scores associated with a plurality of group settings may be obtained and communicated for display. A message may be communicated to a mobile user device indicating a group setting as a current high risk group setting, being associated with a score that is outside a limit set by a threshold value and with a location in proximity to a current location of the mobile user device.
    Type: Grant
    Filed: February 1, 2021
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Will Kerns Maney, Jr., Phillip E. Marks, David Jason Anderson James, Elena Marie Carrasco, Quian Antony Jones, Sumita T. Jonak
  • Patent number: 12183073
    Abstract: Systems and methods of the present disclosure include receiving an aerial image that includes a view of property (e.g., real property, personal property, or other types of property), automatically identifying the property included in the aerial image, automatically determining one or more characteristics of the property based at least in part on the aerial image, and automatically adjusting an insurance policy term for an insurance policy relating to the property based at least in part on the one or more characteristics of the property. Certain embodiments include automatically determining the one or more characteristics of the property also based at least in part on data received from one or more smart home devices associated with the property, one or more public records relating to the property, a supplemental image accessed from a camera located in or around the property, and so forth.
    Type: Grant
    Filed: December 16, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Theresa Marie Matowitz, Michael Kyne, Michael Hertz, Ramsey Devereaux, Amber K. Buehrie, Steven Robert Seigler
  • 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
  • Patent number: 12183202
    Abstract: A parking availability predictor system provides a prediction of parking availability that meets a user's specified needs. When the user submits a query for parking availability, he can include desired parking criteria such as location, handicapped status, and desired time to begin parking. The system consults a parking occupancy model which gathers current and historical information about parking occupancy, including parking durations and durations of vacancies between occupancies. The model processes the gathered information into a statistical predictor of parking occupancy and vacancy. The system uses the predictor to predict when parking that meets the user's needs will become available. That prediction, including user-suitable parking locations along with the expected start of their vacancies, is then sent to the user in answer to his query.
    Type: Grant
    Filed: February 5, 2024
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Nikhil Dama, Laura Frisbie Evans, Christopher Ryan Haberland, Ting Lu, Simon Phillip Stolarczyk, Kristopher Thomas Williams
  • Patent number: 12182819
    Abstract: Systems and methods ingest extensive data regarding real-time transactions to determine correlation between a variety of parameters and possible fraud events. Possible fraud can be predicted, and notifications delivered to a fraud team. Correlations can be discovered using unsupervised machine learning, and particular systems and methods can utilize natural language processing to both receive and provide information concerning fraud risk and countermeasures.
    Type: Grant
    Filed: January 1, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Gregory D. Hansen, Andre R. Buentello, Ashley R. Philbrick, Jose L. Romero, Jr., Reynaldo Medina, III, Curtis M. Bell, Yevgeniy Khmelev, Ruthie D. Lyle, Victor Kwak, Jon D. McEachron, Stacy C. Huggar
  • Patent number: 12183208
    Abstract: An autonomous vehicle may include equipment configured to provide one or more services to a user in the presence of the vehicle; a device processor; and a non-transitory computer readable medium including instructions executable by the device processor to perform the following steps: receiving and executing dispatch instructions by autonomously driving to a location designated by a user; and providing the one or more services to the user at the designated location. The non-transitory computer readable medium may include instructions for syncing a cash state of the vehicle with the cash state of one or more other vehicles in the same fleet as the vehicle.
    Type: Grant
    Filed: June 30, 2021
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ruthie D. Lyle
  • Patent number: 12182586
    Abstract: A method and system of providing users with microlocation-specific configuration modes during access of an application. The system identifies tokens based on sensor data during each application access session and triggers the change in configuration based on detection of specific tokens associated with a particular microlocation. The various configuration modes can be used to alter audio, display, and other settings for the application.
    Type: Grant
    Filed: June 8, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Gregory David Hansen, Edward Manuel Alonzo, III, Manfred Amann, Donnette L. Moncrief Brown, Justin Dax Haslam, Ashley Raine Philbrick, Oscar Guerra, Andre Rene Buentello
  • Patent number: 12182875
    Abstract: A system includes a monitoring device coupled to a vehicle. The monitoring device includes a processor. The monitoring device also includes an output interface coupled to the processor that communicates information to a driver of the vehicle. The monitoring device further includes a communication interface coupled to the processor. The processor receives, via the communication interface, sensor information relating to operating the vehicle. The processor also receives, via the communication interface, a risk factor relating to operating the vehicle based at least in part on the sensor information. The processor further outputs, via the output interface, an adjustment to an insurance premium of the driver, an adjustment to an insurance deductible of the driver, or a payment amount of the driver, based at least in part on the risk factor.
    Type: Grant
    Filed: August 11, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Kyne, Joel T. Camarano, Bharat Prasad, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Christine Marie Brown, Rod Gonzales
  • Patent number: 12182812
    Abstract: Embodiments described herein disclose methods and systems for authorizing a payment card transaction using a dynamic code accessed from a first device and a presence of a second device. The dynamic code can be accessed on a first device when the second device is within a proximity of the first device (e.g., electronically paired using a short-range communication protocol, on the same local area network). The system can receive a request for authorization of a transaction using the payment card and can include a verification code associated with the payment card and an identifier of the payment card, and the payment card can have the associated dynamic code. The verification code can be compared with a value of the dynamic code at the time of the transaction. In response to the verification code matching the dynamic code at the time of the transaction, the system can authorize the transaction.
    Type: Grant
    Filed: February 14, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Patrick Adam
  • 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
  • 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
  • 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
  • Patent number: 12182846
    Abstract: An order fulfillment management system includes processing circuitry configured to receive merchant data indicative of a capability of a merchant to fulfill orders for a good. The processing circuitry is also configured to provide an output to a first consumer in response to the first consumer attempting to complete a purchase of the good from the merchant while the merchant data indicates that the merchant is unable to fulfill the orders for the good within a timeframe. The output includes a notification on a graphical user interface for visualization by the first consumer, and the notification is configured to discourage the first consumer from purchasing the good from the merchant by recommending an alternative action to the first consumer.
    Type: Grant
    Filed: September 27, 2021
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Yevgeniy Viatcheslavovich Khmelev, Zachery C. Lake, Will Kerns Maney
  • Patent number: 12184561
    Abstract: Systems and methods for responding to latency in connected vehicles. Vehicles operating on or near the edge of networks are identified. Vehicle dependent nodes are identified. Latency is calculated between the vehicle and the dependent nodes. The latency is compared to one or more threshold values and a response is determined and/or executed.
    Type: Grant
    Filed: July 14, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Sean C Mitchem, Ashley R Philbrick, Yevgeniy V Khmelev, Justin M Jackson, Ruthie Lyle, Ravi Durairaj
  • Patent number: 12183186
    Abstract: A system may employ one or more satellite sensors to monitor an area; detect a body or thing that should not be present in an area; formulate a response, such as documentation, notifying authorities, or deploying unmanned aerial vehicles; and execute the response. Monitoring an area can be based on a request for surveillance at the area.
    Type: Grant
    Filed: July 10, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: David M Jones, Megan S Jennings, Bradly Jay Billman, Sumita T. Jonak, Priyadarshini Badugu, Justin R Nash, I
  • 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
  • Patent number: 12185039
    Abstract: A vehicle monitoring system, includes a vehicle database, which includes information associated with a plurality of vehicles. The vehicle monitoring system also includes a sensor database, which includes information captured by a sensor of an observing vehicle, and one or more processors. The one or more processors may generate a request to determine information associated with a target vehicle and to transmit the request to the sensor in response to determining that the information captured by the sensor does not include the information associated with the target vehicle. The sensor captures the information associated with the target vehicle based at least in part on the request. The one or more processors may also receive and store the information associated with the target vehicle from the sensor. Further, the one or more processors may output the information associated with the target vehicle to a computing device.
    Type: Grant
    Filed: November 3, 2021
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Cory A. Matheson, Kade L. Scott