Patents Assigned to USAA
  • Patent number: 12118563
    Abstract: Techniques are described for a distributed ledger based interchange system for transferring value between entities. A decentralized and distributed ledger system, such as a blockchain network, may include treasury accounts each associated with an institution that participates in the system. A particular transaction may be submitted for approval based on the votes of the peers in the distributed ledger based interchange system. If at least a threshold number of votes indicate approval, the transaction is approved. A signal may be sent to the institutional systems indicating that accounts of the sending and receiving entities may respectively be debited and credited the value of the transaction. Settlement may occur between the treasury accounts of the sending and receiving institutions on the distributed ledger system, and settlement may be performed in real time with respect to the transaction.
    Type: Grant
    Filed: September 26, 2022
    Date of Patent: October 15, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Hudson R. Jameson, Steven J. Schroeder, Gunjan Vijayvergia, Cory Matheson
  • 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: 12112339
    Abstract: Disclosed herein is a compliance evaluation system, which may implement a software-based compliance evaluation tool for accurate notation, capture, and reporting of all potential compliance problems within a technical, a procedural or a process domain associated with a software program. The compliance evaluation system may enable a rapid and pro-active response to reported potential compliance problems by routing the reported potential compliance problems to appropriate analyst computers before the potential compliance problems become real and serious for company and vendors.
    Type: Grant
    Filed: June 25, 2019
    Date of Patent: October 8, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jeffrey Walton Easley, Kenneth Thomas, Dennis Gudenau, Edward Michael Rizzolo, Charles Sullivan Heath, Jr., Abram Alian Maldonado
  • Patent number: 12111853
    Abstract: Embodiments disclosed herein describe systems and methods to generate statuses of higher level integrated logical clusters from one or more output files generated by the clusterwares of a plurality of lower level physical clusters. The systems and methods provide an interactive dashboard graphical user interface (GUI) rendering the statuses of the higher level logical clusters. In response to a drill down selection by the system administrator, the systems and methods may render resource level statuses of the plurality of resources forming the higher level logical cluster. Therefore, by using a single dashboard, a system administrator can seamlessly transition between statuses at different level of abstractions for multiple resources distributed across multiple geographically diverse datacenters. Furthermore, the dashboard allows the system administrator to perform failover operations.
    Type: Grant
    Filed: August 3, 2023
    Date of Patent: October 8, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jose Puente, Philip Hansen, Jason Patrick Picarazzi, Armondo Elias Ortega, James Joseph Forrester, Prasad Lakshmipathy
  • Patent number: 12113815
    Abstract: A method may include receiving, via a processor, a first set of data packets from a first computing device associated with a user over a first period of time. The method may then involve generating a network hop model indicative of one or more network hops traversed by the first set of data packets. The method may also include receiving a second set of data packets from the first computing device over a second period of time, determining whether the second set of data packets corresponds to the network hop model, and adjusting one or more operations associated with transmitting a third set of data packets to the first computing device in response to determining that the second set of data packets does not match the network hop model.
    Type: Grant
    Filed: December 9, 2021
    Date of Patent: October 8, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Justin Dax Haslam, Jose L. Romero, Jr., Arthur Quentin Smith
  • 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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