Patents Assigned to USAA
  • Patent number: 12112161
    Abstract: A system includes a rules engine comprising a template indicative of an initial source code of a core computing system, a processor, and memory storing instructions. The instructions are configured to cause the processor to retrieve data indicative of a current source code for the core computing system, and compare the data indicative of the current source code to the template indicative of the initial source code of the core computing system. The processor may then identify one or more customizations in the current source code of the core computing system based on comparing the data to the template and quantify an amount of customization applied to the core computing system based on identifying the one or more customizations.
    Type: Grant
    Filed: April 26, 2022
    Date of Patent: October 8, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Hrishikesh Madhukar Godse
  • Patent number: 12105784
    Abstract: A method and system of performing an authentication of a person in order to activate a smart card for access to a secured resource is disclosed. The system and method are configured to collect image data and compare the image data to facial model data stored on the smart card. The system detects whether there is a match between the image data and any facial signatures previously collected and stored in the smart card. If there is a match, the system verifies an identity of the person and can be configured to automatically activate the smart card for a limited period of time.
    Type: Grant
    Filed: September 19, 2023
    Date of Patent: October 1, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ravi Durairaj, Gregory Brian Meyer, Oscar Roberto Tijerina, Sean Carl Mitchem, Stacy Callaway Huggar, Ruthie D. Lyle, Nathan Lee Post, Mark Anthony Lopez, Nolan Serrao
  • Patent number: 12107851
    Abstract: An authentication system for granting access to an account associated with a user. An authenticator of the authentication system including a processor and a memory, the authenticator configured to: receive a request for authentication that identifies the user; access an authentication account associated with the user, wherein the authentication account indicates a smart device associated with the user; activate a control parameter of the smart device, wherein the control parameter may cause an effect in a media sample from the smart device; receive the media sample from the smart device and determine if the effect corresponding to the control parameter is observed in the media sample; and in response to a determination that the effect is not observed in the media sample, indicate that the request for authentication is a fraudulent request.
    Type: Grant
    Filed: March 13, 2023
    Date of Patent: October 1, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Carlos J P Chavez, Sacha Melquiades De'Angeli, Oscar Guerra, David M. Jones, Jr., Gregory Brian Meyer, Christopher Russell, Arthur Quentin Smith
  • Patent number: 12106279
    Abstract: The disclosure describes a biometric authentication system that can authorize a transaction at a retail store using a person's biometric data and password. The biometric authentication system may include a point-of-sale device that can receive a biometric data (e.g., voice data, fingerprint data, or facial data) of a person that initiates a transaction. The biometric authentication system may also include one or more authentication systems that analyzes the received biometric data, and an authorization system that compares data obtained from the one or more authentication systems and the POS device to determine whether the information obtained from the person is related to that person's biometric and password information previously stored by the authorization system.
    Type: Grant
    Filed: April 5, 2022
    Date of Patent: October 1, 2024
    Assignee: United Services Automobile Assoication (USAA)
    Inventors: Brian Tougas, Susan Elizabeth Wright, Reynaldo Medina, III
  • Patent number: 12101440
    Abstract: Disclosed is a precision queuing (PQ) system that automatically and dynamically revises the values of precision queue step rules (PQSRs) with customizable thresholds based on current contact center conditions such as varying hours of operation and number of agents available.
    Type: Grant
    Filed: March 16, 2023
    Date of Patent: September 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Joseph Reed Lewis
  • Patent number: 12100041
    Abstract: A financial education tool includes a body portion, a basin disposed within the body portion, and a receptacle into the body portion. The receptacle is configured to receive physical currency into the basin. The financial awareness tool includes a counter configured to detect receipt of the physical currency into the basin, a display, and a user interface configured to receive a user input from a user. The financial awareness tool includes a processor communicatively coupled to the display and the user interface, where the processor is configured to communicate with a server configured to manage a banking account of the user. The processor is configured to, in response to receiving the user input at the user interface, detecting receipt of the physical currency by the counter, or both, instruct the display to display information relating to the banking account of the user.
    Type: Grant
    Filed: August 2, 2021
    Date of Patent: September 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Dwayne Phillip Wilson, Jennifer Anne Scamardo, Zachery C. Lake, Judy Thu Switzer, Timothy Benjamin Czerlinsky, Ethan Robinson, Patrick Emmanuel Gaston
  • Patent number: 12100050
    Abstract: Systems and techniques are provided for providing notification indicative of a breach of a dynamic operational parameter threshold. The dynamic operational parameter threshold is set based upon habits of inhabitants of an environment, which are observed via controlled sensors of the environment.
    Type: Grant
    Filed: July 29, 2021
    Date of Patent: September 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, Michael J. Allen, Spencer Read, Traci K. Uribe, Ina L Jackson
  • Patent number: 12100011
    Abstract: People provide content such as a recorded text or audio on various platforms, such as recorded telephone lines, social media, or web chats. The techniques described in this patent document can be used to obtain a set of topics that characterize the words in the recorded text or audio for each platform. By identifying topics being discussed on several platforms and by correlating topics between the platforms, a multi-channel topic orchestration server can generate a timeline that shows when the topic appeared on the various platforms.
    Type: Grant
    Filed: June 29, 2023
    Date of Patent: September 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: David Charles Hardage, Samantha Sprague, William Leland Fehlman, Shane Michael Steinert, Rajila Vinod, George Pinkosky
  • Patent number: 12093150
    Abstract: The present disclosure provides a system and method for online brand continuity. Online brand continuity can include a number of Internet or intranet access points via which one or more network addresses can be advertised. A client can be provided with availability of a business image application via at least one of the Internet or intranet access points.
    Type: Grant
    Filed: June 21, 2023
    Date of Patent: September 17, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: David M. Niedzielski, Christopher S. Trost, Roger Pena, Tommy Lavelle, Donald E. Clemons, Jr.
  • Patent number: 12093410
    Abstract: Methods and systems can protect information shown on a screen of a device. A user associated with the device can be authenticated, e.g., using photo identification of the user. In response to authenticating the user, data can be displayed on the device. A camera associated with the device can be automatically activated to take one or more images in response to a triggering event, a predetermined time interval, or randomly generated time intervals. An enhanced privacy environment is detected by analyzing the one or more images to identify that there are more than a threshold number of faces or people in the picture, or by identifying that the user is not in the picture based on a comparison of the picture to the photo identification of the user. In response to detecting the enhanced privacy environment, a privacy mode is enabled. The privacy mode can include various security measures such as concealing sensitive content or providing various security notifications.
    Type: Grant
    Filed: November 17, 2021
    Date of Patent: September 17, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Carlos Chavez, Michael J. Szentes, Subhalakshmi Selvam, Sean C. Mitchem
  • Patent number: 12093951
    Abstract: Techniques are described for receiving a whitelist record, the whitelist record comprising a date, a time, or a combination. The techniques include determining whether a transaction is valid based on the whitelist record. The techniques further include processing the transaction in response to the transaction being valid based on the whitelist record and storing the transaction in response to the transaction being determined to be valid.
    Type: Grant
    Filed: April 7, 2020
    Date of Patent: September 17, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Jon Fisher
  • Patent number: 12093932
    Abstract: Aspects of the present disclosure are directed to techniques to simulate conditions while progressing towards a goal state using token conversions. Tokens can be assets associated with a defined goal and can be implemented to segment accounts for a defined purpose and to improve user planning. An account can be segmented by converting a portion of the user's account balance to tokens to progress towards the goal. In some implementations, a simulation can generate a target token conversion schedule that achieves a target number of tokens at a target date. However, user behavior can change the observed token amounts and cause deviations from the schedule. The simulations can alter the token conversion schedule and arrive at a new target date for the target number of tokens. In some implementations, automated agents and machine learning components can be used to implement the token tracking and simulations.
    Type: Grant
    Filed: August 21, 2023
    Date of Patent: September 17, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Noe Alberto Martinez, Huihui Wu, Steven Michael Bernstein, Nickolaus Wayne O'Neal
  • Patent number: 12093997
    Abstract: Systems and methods described herein track bartering using distributed ledger techniques to, for example, facilitate the establishment of a bartering marketplace that enables users to barter for, and ultimately exchange, services and/or goods with each other. In certain embodiments, a monetary value may be assigned to each service and/or good to be bartered to establish appropriate bartering baselines. In addition, in certain embodiments, additional monetary value exchanges may be tracked for particular exchanges to make sure that the exchanges are fair.
    Type: Grant
    Filed: May 25, 2023
    Date of Patent: September 17, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ashley Raine Philbrick, Oscar Guerra, Kelly Q. Baker, Carlos J P Chavez, Yevgeniy Viatcheslavovich Khmelev, Theresa Marie Matowitz
  • Patent number: 12086110
    Abstract: Embodiments are described herein for data input, collection, and verification using information stored on a distributed ledger, such as a blockchain. A distributed ledger may securely store data relating to an insurance claim, for example. Use of a distributed ledger may provide an immutable, readily auditable record of the history of the insurance claim.
    Type: Grant
    Filed: August 8, 2019
    Date of Patent: September 10, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Snehal Desai, Nolan Serrao, Bharat Prasad
  • Patent number: 12087152
    Abstract: A system includes a building that has a wall that is at least partially covered in a smart paint. The system also includes a sensor that is configured to collect sensor data regarding a condition within the building. The system additionally includes a controller that is operatively coupled to the wall and the smart paint. The controller is configured to receive the sensor data from the sensor, determine whether the condition is present based on the sensor data, and in response to determining the condition is present, cause the smart paint to provide an indication that the condition is present.
    Type: Grant
    Filed: September 28, 2022
    Date of Patent: September 10, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Andre Rene Buentello, Nathan Lee Post, Justin Royell Nash, Gregory David Hansen, Jose L. Romero, Jr., Brian Francisco Shipley
  • Patent number: 12087051
    Abstract: A post-disaster conditions monitoring system. The 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 a plurality of images from a plurality of personal devices in a geographic region; determining conditions in a geographic region based on the information received from the plurality of images; and preparing a map indicating the determined conditions within the geographic region.
    Type: Grant
    Filed: April 5, 2019
    Date of Patent: September 10, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Meredith Beveridge Lecocke, Michael J. Maciolek, Robert Wiseman Simpson, Daniel Christopher Bitsis, Jr., Bobby Lawrence Mohs, Manfred Amann, Emily Margaret Gray, Donnette Moncrief Brown
  • Patent number: 12087158
    Abstract: Devices at a scene of a vehicular accident may be used to direct vehicle traffic in response to the vehicular accident. For example, a device associated with a structure at a location of the vehicular accident may analyze information about the accident scene and, based on the information, direct traffic near the accident scene.
    Type: Grant
    Filed: May 12, 2023
    Date of Patent: September 10, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Richard Daniel Graham, Bradly Jay Billman
  • Patent number: 12087151
    Abstract: An emergency signaling system is disclosed. The system includes a receptacle and a painting device. The painting device is covered in a paint material and stored in the receptacle. The receptacle can be used to launch the painting device onto a surface, such as a roof, in the event that a user needs to signal a search and rescue team or anyone near their present location. The painting device, upon contact with a surface, creates a painted signal. The painted signal can have different shapes according to the shape of the painting device. The painting device can include weight members or flexible frame members to facilitate opening the painting device from a closed or folded configuration to a fully open configuration once the painting device has been launched from the receptacle.
    Type: Grant
    Filed: August 4, 2023
    Date of Patent: September 10, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Emily Margaret Gray, Brian Francisco Shipley, Justin Dax Haslam, Robert Wiseman Simpson, Donnette Moncrief Brown, Eric David Schroeder, Michael J. Maciolek, Bobby Lawrence Mohs, Manfred Amann, Rochelle Ann Tijerina, Meredith Beveridge
  • Patent number: 12086495
    Abstract: The present technology provides a system that enables a user to communicate with one of multiple devices in a network based on context information from another device in the network. The system includes a context manager configured to (1) receive context information from the multiple devices; (2) identify a subject-of-interest based on a user input; (3) determine a set of relevant context information based on the subject-of-interest and the received context information; and (4) transmitting the set of relevant context information to a target device to perform a task associated with the subject-of-interest. The context information managed by the present technology enables a user to conveniently interact with the multiple devices in the network without requiring the user to provide details of his/her instructions.
    Type: Grant
    Filed: June 30, 2022
    Date of Patent: September 10, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Adrian Borunda, Brandon Scott Kotara, Richard Tanner, Ben Hawkins, Quincy Nanaasare Obeng, Cale Riley Spratt
  • Patent number: 12086813
    Abstract: A smart glasses system includes smart glasses configured to be worn by an individual. The smart glasses include a display and a camera configured to obtain one or more images. One or more processors are communicatively coupled to the smart glasses and are configured to receive the one or more images and to process the one or more images to identify characteristics of damage to a property. The one or more processors are also configured to generate, based on the characteristics of the damage to the property, a mitigation protocol. The one or more processors are further configured to provide an output indicative of one or more steps of the mitigation protocol to the smart glasses for presentation to the individual via the display.
    Type: Grant
    Filed: September 29, 2021
    Date of Patent: September 10, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ravi Durairaj, Mark Paxman Warnick, Will Kerns Maney, Elena Marie Carrasco, Nolan Serrao, Jeanie Graciela Lopez, Nathan Lee Post