Patents Assigned to USAA
  • Systems and methods for reestablishing communication to resume a process based on inferred intent
    Patent number: 12088675
    Abstract: A system may include a communication device that may enable a user to complete a digital form via a first communication session. The system may include a processor that may determine that the user has not completed the digital form, determine one or more issues associated with the user not completing the digital form based on a progress point associated with the digital form, determine a communication channel to use to follow up with the user regarding the digital form based on a data profile associated with the user, the one or more issues, or both, and establish a second communication session with the user via the communication channel to present the digital form at the progress point, such that the user can continue to complete the digital form using the second communication session.
    Type: Grant
    Filed: October 5, 2023
    Date of Patent: September 10, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: David Patrick Dixon, Kevin Kenneth Fiedler
  • Utilizing unmanned vehicles to initiate and/or facilitate claims processing
    Patent number: 12077296
    Abstract: This disclosure relates to utilizing unmanned vehicles for insurance claim processing. For example, a UAV may be directed to proceed to a property, collect damage data, and, based on analysis of the data, determine whether additional damage is occurring. Additional data can be collected in response to the determination. Data can be collected from a sensor within the property as well as a sensor of the UAV.
    Type: Grant
    Filed: March 6, 2023
    Date of Patent: September 3, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Jordan Newmark
  • Code builder
    Patent number: 12079596
    Abstract: As the number of software tools and standards have greatly expanded, it has become more difficult for programmers to learn and implement the various tools and standards they may encounter on a daily basis in an efficient and effective manner. Significant work-hours, training, and trial and error may be involved when adopting each new tool and/or standard. The present disclosure relates to a code generator that may receive a variety of inputs, such as user-generated code, software descriptions, software standards, software blueprints, and so on, and generate code based on the inputs.
    Type: Grant
    Filed: April 28, 2022
    Date of Patent: September 3, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Thomas Walther
  • High fidelity call center simulator
    Patent number: 12081703
    Abstract: Systems, methods, and computer program products provide a digital twin of a call center or call center network, including the members, representatives, and algorithms therein. The digital twin can be used to model real-world call centers and call center networks or may be modified to test changes (in the center/network's control such as algorithms or representative staffing, or beyond the center network's controls such as callers) before they are implemented in real-world production environments. Call loads, which may be based on real call loads or generated differently, can be used to test current or contemplated call center/network arrangements. The digital twin can be validated through comparison with data received from the real-world call center(s)/network(s) it models.
    Type: Grant
    Filed: March 6, 2023
    Date of Patent: September 3, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Lambros Petropoulos, John Michael Lombard, Atesmachew Bizuwerk Hailegiorgis
  • Systems and methods for efficient access to data
    Patent number: 12079115
    Abstract: A system including a development environment data store configured to store development environment data associated with development computer code and a production environment data store configured to store production environment data pertaining to one or more electronic services. The system includes a scenario builder computer is configured to identify one or more scenario parameters relevant to the development computer code, the one or more scenario parameters comprising less than a full set of available scenario parameters and provides the one or more scenario parameters to a scrubber computer.
    Type: Grant
    Filed: March 9, 2022
    Date of Patent: September 3, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Robert Lee Black, Timothy Blair Chalmers, Sumita T. Jonak, David M. Jones, Jr., Gideon Bowie Luck, Ana Rosa Maldonado, Oscar Roberto Tijerina
  • Cross-system integration platform
    Patent number: 12079866
    Abstract: A system includes an intermediate mortgage integration platform as a service (MiPaas). Specifically, an MiPaas layer may facilitate integration between a loan origination system (LOS) and supporting services. The MiPaas layer may provide integration flexibility by enabling integration of the supporting services with each other and with different LOSs. Indeed, a number of MiPaas integration formats (e.g. REST API, OpenAPI, GRPC, GraphQL, Industry Standard interface, etc. may be provided to facilitate ease of integration between the LOS and the supporting services. Further, the MiPaas may provide processing efficiencies by adapting workflows based upon particular retrieved data. In this manner, efficient processing may be performed in an intermediate data processing layer, resulting in more efficient turnaround times and reduced processing requirements at traditionally over-burdened systems.
    Type: Grant
    Filed: July 6, 2022
    Date of Patent: September 3, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Hrishikesh Madhukar Godse, Jason Christopher Bostic, Elizabeth Poland Smith
  • System and method for roof leak detection and diagnosis
    Patent number: 12078571
    Abstract: A roof monitoring system includes sensors configured to be distributed across a roof a building. The monitoring system also includes a controller configured to receive sensor feedback from the sensors, where the sensor feedback is indicative of a roof temperature, a first characteristic of light reflected off the roof, a second characteristic of light passing through the roof, a third characteristic of sound associated with the roof, and/or a moisture content on the roof. The controller is also configured to compare the sensor feedback with an expected feedback. The controller is also configured to detect, in response to determining that the sensor feedback deviates from the expected feedback, a roof defect. The controller is also configured to diagnose a cause of the roof defect.
    Type: Grant
    Filed: January 27, 2022
    Date of Patent: September 3, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Timothy Blair Chalmers, Ramsey Devereaux, Dwayne Phillip Wilson
  • Private network request forwarding
    Patent number: 12074852
    Abstract: Private network request forwarding can include receiving a request from a user for Internet services over a public network. Private network request forwarding can include analyzing the request and determining whether the request is legitimate. Private network request forwarding can include forwarding the request to an entity through a private network when it is determined that the request is legitimate, wherein the user has access to the entity through a proxy.
    Type: Grant
    Filed: June 17, 2022
    Date of Patent: August 27, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Donald E. Clemons, Jr., Christopher T. Wilkinson
  • Systems and methods of detecting and mitigating malicious network activity
    Patent number: 12074891
    Abstract: 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: Grant
    Filed: February 15, 2023
    Date of Patent: August 27, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jansey Comeaux, Michael Scott McQuarrie, Gregory Sansone, Veronica Santiago
  • Virtual smart device controls
    Patent number: 12073053
    Abstract: A method and system for creation of a virtual home center is disclosed. The system includes a plurality of IoT or smart devices connected to a network and arranged throughout a physical space, such as a house, apartment building, or other physical structure or edifice. In some embodiments, the devices can serve as beacons and receive sensed information via internal sensors and/or from other nearby devices such as a smoke detector. The sensors can be used to generate and render a virtual home within a virtual environment (e.g., VR/AR). In one example, the system is configured to communicate information between the virtual environment and IoT devices in the user's real home. If the user would like to read and/or modify controls of any IoT devices, they can enter the virtual environment as a virtual avatar and locate the room with the desired smart device.
    Type: Grant
    Filed: September 16, 2022
    Date of Patent: August 27, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Noe Alberto Martinez, Megan Sarah Jennings, Christopher Russell, Justin Royell Nash
  • Systems and methods for managing personalized life information
    Patent number: 12072848
    Abstract: Systems and methods described herein facilitate the management of personalized life information using a distributed ledger. For example, a distributed ledger system, such as one or more blockchains, may manage personalized life information of one or more individuals to, for example, determine an occurrence of a life event for a first individual based at least in part on personalized life information for the first individual, to access various types of personalized life information for the first individual in response to the determination of the occurrence of the life event for the first individual, and to provide a subset of the personalized life information data for the first individual to a user device associated with a second individual.
    Type: Grant
    Filed: September 26, 2023
    Date of Patent: August 27, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Gabriel Carlos Fernandez, Qunying Kou, Arthur Quentin Smith, Oscar Roberto Tijerina, Mark Paxman Warnick
  • Low friction data analysis system
    Patent number: 12073477
    Abstract: The present disclosure relates to analyzing data related to smart home activity that is useful to risk analysis, service cost determination/adjustment, and behavioral incentivization. A monitoring system may acquire maintenance information, contextual information, and/or financial information with minimal user input to assess risk associated with user behavior and home activity associated with a smart home. Based on generating a risk factor associated with the smart home, the monitoring system may provide a user with an accurate service cost (e.g., home insurance quote) related to the smart home activity.
    Type: Grant
    Filed: May 27, 2021
    Date of Patent: August 27, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Amber K. Buehrle, Ramsey Devereaux, Michael Hertz, Michael Kyne, Theresa Marie Matowitz, Steven Robert Seigler
  • Systems and methods for unmanned vehicle management
    Patent number: 12073471
    Abstract: A property is identified about which to gather information and a vehicle is deployed to a location associated with the property. A path is determined for the vehicle and the vehicle gathers real-time data associated with the property while traveling the path. The real-time data is compared to previously-gathered data to determine a portion of the property that is damaged.
    Type: Grant
    Filed: May 10, 2023
    Date of Patent: August 27, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Anthony Scott Farnsworth, Justin Dax Haslam, Kathleen L. Swain, Teddy Joseph Edmond Voutour, Jess W. Gingrich, Michael J. Allen, Anthony G. Castiglione, Jordan A. Newmark
  • Systems and methods for contactless communication
    Patent number: 12075308
    Abstract: A first mobile device exchanges information or documentation with a second mobile device after a vehicular incident or collision has occurred. Communication is initiated or triggered based on detection of the incident by a collision detection system and/or based on the first mobile device contactlessly receiving a user identifier from the second mobile device. The contactless communication may be initiated by a service provider system or by the first mobile device. The first mobile device may include a sensor that scans a user identifier associated with the second mobile device. Then, the first mobile device may transmit the user identifier to the service provider system, which initiates or provides a communication channel between the first mobile device and the second mobile device.
    Type: Grant
    Filed: September 27, 2021
    Date of Patent: August 27, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Oscar Guerra, Gregory David Hansen, Anto Chirayil Thomas
  • Systems and methods for network security
    Patent number: 12074911
    Abstract: Enhanced electronic security systems and methods are provided. A whitelist, blacklist, or both of resource access sources that are allowed to use a particular resource access account are obtained. Upon detecting an access attempt to a particular resource on a computer network, a source of the access attempt and a resource access account used in the access attempt is identified. The whitelist, blacklist, or both are referenced to determine if the source of the access attempt is allowed to use the resource access account used in the access attempt. When the source of the access attempt is not allowed to use the resource access account used in the access attempt, one or more mitigation tasks may be performed.
    Type: Grant
    Filed: November 2, 2020
    Date of Patent: August 27, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kevin Glynn Paterson, Neelsen Cyrus
  • Systems and methods for live video financial deposit
    Patent number: 12067624
    Abstract: A live video of a negotiable instrument may be provided to a financial institution so that an image of the negotiable instrument may be obtained from the live video, processed, and funds associated with the negotiable instrument may be deposited in an account of a user. The user may be identified and authenticated to the financial institution by one or more biometric characteristics. One or more biometric characteristics may be used to endorse the negotiable instrument. A holder may be used to hold the negotiable instrument while live video is being taken and provided from a user to a financial institution.
    Type: Grant
    Filed: May 19, 2023
    Date of Patent: August 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Andre Rene Buentello
  • System and method for monitoring the security configurations of connected devices
    Patent number: 12069105
    Abstract: A system and method for monitoring and modifying the security configurations of multiple devices is disclosed. The method includes monitoring multiple devices for security triggers and taking action in response to the triggers. The triggers include changes in security configurations, known security issues and pending updates. The devices may be any connected devices, including Internet of Things devices.
    Type: Grant
    Filed: December 5, 2022
    Date of Patent: August 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Arthur Quentin Smith
  • Systems and methods for experience-based development
    Patent number: 12067513
    Abstract: Systems and methods for change management are provided. An electronic product and/or service provisioning system is tracked as a function of experiences. Changes are implemented at a process level, where two or more processes make up an experience.
    Type: Grant
    Filed: November 30, 2021
    Date of Patent: August 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Chalice Michelle-Burcham Jones, Leslie Anne Dowling, Jon Paul Vincent, Carl Clinton Liebert, III, Paige Spiers Gorman
  • Systems and methods for proactive monitoring through smart coatings
    Patent number: 12066306
    Abstract: The presently described systems and techniques enable computers to discern impacts and structural weaknesses in objects in a new and cost-effective manner. As capacitive changes (e.g., mutual capacitance between rows or columns of smart coatings) occur in the smart coatings, contact with the object and/or structural weaknesses of the object may be identified, enabling electronic notification and/or action to occur in response to the contact and/or structural weakness.
    Type: Grant
    Filed: July 28, 2022
    Date of Patent: August 20, 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
  • Computer-readable medium, method, and system for providing financial products via augmented reality
    Patent number: 12067605
    Abstract: A system may a processor that may receive image data of a vehicle via one or more image sensors and retrieve vehicle data regarding the vehicle from a vehicle database based on the image data. The vehicle database may include a first set of data regarding a plurality of vehicles. The processor may then retrieve financial data regarding a user from a financial database, such that the financial database includes a second set of data regarding financial information concerning the user. The processor may then determine one or more financial products associated with a purchase of the vehicle, generate one or more visualizations representative of the one or more financial products, and modify the image data depicted on a display to include the one or more visualizations.
    Type: Grant
    Filed: May 5, 2021
    Date of Patent: August 20, 2024
    Assignee: United Service Automobile Association (USAA)
    Inventors: Gary Don Bourn, Adrian Borunda, Josh Jason Medrano, Cale Riley Spratt, Austin Ray Graham, Doyle Russell Dennis, Jr., Kre-Sante Dior Gordon