Patents Assigned to USAA
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Patent number: 12361472Abstract: An autonomous data container and methods of use are disclosed. The autonomous data container includes a data storage structure for storing financial transaction information. The autonomous data container also includes an artificially intelligent agent stored as code within the container. The artificially intelligent agent can run on a system storing the autonomous data container. The artificially intelligent agent can access transaction information in the data storage structure and make predictions and/or decisions on a consumer's behalf. The artificially intelligent agent can make new purchases on the consumer's behalf. The artificially intelligent agent can also provide fraud alerts for the consumer.Type: GrantFiled: May 8, 2024Date of Patent: July 15, 2025Assignee: United Services Automobile Association (USAA)Inventors: Michael J. Maciolek, Timothy Frank Davison, Donnette L. Moncrief Brown, Bryan J. Osterkamp, Kori Rochelle Newman, Brian Francisco Shipley, Eric David Schroeder, Robert Wiseman Simpson, Manfred Amann
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Patent number: 12361950Abstract: Various embodiments of the present disclosure relate generally to providing services to users via communication channels. More specifically, various embodiments of the present disclosure relate to systems and methods for modifying, updating, and/or changing communication channel interactions based on the tracking or listening for events within other communication channels.Type: GrantFiled: April 24, 2024Date of Patent: July 15, 2025Assignee: United Services Automobile Association (USAA)Inventors: Matthew Patrick Stone, Zachary Taylor Pingel, Boyd Alan Hutton
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Patent number: 12361146Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving location data representative of a location of a mobile device of a user. Determining that a scenario is occurring within an Internet-of-Things (IoT) system at least partially based on the location data, In response, implementing a security/privacy measure to prohibit at least a portion of data transfer from at least one IoT device of the IoT system to an external network.Type: GrantFiled: May 15, 2019Date of Patent: July 15, 2025Assignee: United Services Automobile Association (USAA)Inventors: Sumita T. Jonak, Thomas Bret Buckingham, Darrius M. Jones, Dustin Starr Trimmier, Soon Fatt Hoo
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Patent number: 12363089Abstract: Various embodiments of the present technology generally relate to authentication. More specifically, some embodiments relate to systems and methods for mobile application infrastructure and framework for application authentication. Currently, methods and systems for authentication are not flexible or dynamic and over-authentication has become a solution because it is cheap and easy. In contrast, in accordance with some embodiments of this application, the methods and systems can analyze authentication challenges and non-authentication challenges received from a server over a network in a client side infrastructure. The client side infrastructure can determine a customized, flexible, and dynamic plan for responding to authentication challenges in manner that avoids over-authentication on the client side.Type: GrantFiled: December 29, 2023Date of Patent: July 15, 2025Assignee: United Services Automobile Association (USAA)Inventors: Andrew P. Jamison, Jared Anthony Bluntzer, Dallin Clarence Wilcox
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Patent number: 12363222Abstract: Methods and systems described in this disclosure allow customers to quickly be authenticated. In some embodiments, a device and a user verifier are associated with a user profile. When a call is received from the device, the user may be requested to input the user verifier. After verifying that the device is unique to the user and that the user verifier matches the user verifier associated with the user profile, the user may be authenticated to the call or activity.Type: GrantFiled: January 18, 2024Date of Patent: July 15, 2025Assignee: United Services Automobile Association (USAA)Inventors: Patricio H. Garcia, Amanda Jean Segovia, Hector J. Castillo, Susan Cass Mason, Robert Craig Korom
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Patent number: 12361469Abstract: One or more tangible, non-transitory, computer-readable media, include instructions that, when executed by one or more processors, cause the one or more processors to receive, from an application programming interface (API), a list of objects corresponding to an online transaction, retrieve a classification lookup table based on the list of objects, identify a class of each object in the list of objects using the classification lookup table, and provide, to the API, the class of each object for processing of the online transaction.Type: GrantFiled: December 13, 2021Date of Patent: July 15, 2025Assignee: United Services Automobile Association (USAA)Inventors: Will Kerns Maney, Zachery C. Lake, Yevgeniy Viatcheslavovich Khmelev
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Patent number: 12361496Abstract: A method may include retrieving, via a processor of a computing system, insurance information associated with a user and receiving one or more alerts regarding an event that will occur within a determined radius of one or more properties within a period of time. The computing system may then determine a list of actions for the user to perform on the property based on the event and send the list of actions to a computing device associated with the user. Based on whether the user completes the list of actions, a premium rate of the user may be adjusted.Type: GrantFiled: April 28, 2022Date of Patent: July 15, 2025Assignee: United Services Automobile Association (USAA)Inventors: Galo M. Alava, Amanda Michelle Boyd, Ramsey Devereaux, Michael Kyne, Gregory Mark Lamontagne, Elizabeth J. Rubin, Courtney St. Martin, Brian Tougas
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Patent number: 12353529Abstract: An authentication system includes one or more processors and a memory storing instructions executable by the one or more processors to cause the one or more processors to receive a first request for an electronic data action from a user device associated with a user and to select one or more first authentication factors from a plurality of available authentication factors based on a rotation schedule, a random selection, a prior location of the user, a prior activity of the user, a presence of an auxiliary device in a vicinity of the user device, or any combination thereof.Type: GrantFiled: September 29, 2022Date of Patent: July 8, 2025Assignee: United Services Automobile Association (USAA)Inventor: Joel S. Hartshorn
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Patent number: 12355747Abstract: Techniques are described for client registration for authorizing an aggregator service to access data on behalf of an application, through self-registration of an application client identifier and issuance of authorization token(s) based on the application client identifier. Implementations provide a technique for dynamic client registration that avoids the need for manual vetting and manual generation of the client credential grant. Additionally, the implementations described herein enforce domain values around the scope and/or purpose of the client grant. This allows for support of application providers through a single point of registration that supports multi-layer and channel. This also allows for support of a scalable authorization solution for any suitable number of clients. The dynamic client registration process adds an additional layer of security through the OAuth client grant and mutual authentication.Type: GrantFiled: January 18, 2024Date of Patent: July 8, 2025Assignee: United Services Automobile Association (USAA)Inventors: Alejandro Vera, Miguel SolĂs, Jr., Hieu Nguyen, Jason Paul Hendry, Nathan Mahoney, Debra Randall Casillas
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Methods for simultaneous interaction on a web page by a customer and customer service representative
Patent number: 12355917Abstract: A computer-implemented method and system for enhancing interaction between a customer using a client computer and a customer service representative of a company using a workstation. A Web session is commenced on a Web site for the client computer of the customer, wherein the Web session includes displaying a first Web page to the customer. A telephonic interaction is commenced between the customer and the customer service representative and a split screen is displayed on the workstation. The split screen including the first Web page and a second Web page, wherein the second Web page is only viewable by the customer service representative. An application is caused to be moved from the second Web page to the first Web page for review and interaction by the customer via the client computer.Type: GrantFiled: April 19, 2024Date of Patent: July 8, 2025Assignee: United Services Automobile Association (USAA)Inventors: Guy R. Langley, Jason W. Lindley, Donald H. Griffin, Jr., Elizabeth Garretson, Ryan R. Barth, Francisco A Duran, Ann C. Tarrillion, David W. Roberts -
Patent number: 12353443Abstract: Methods and systems described herein are directed to obtaining various types of information that can provide an accounting for an individual's legacy that can be replayed to learn about objects and/or experiences associated with the individual. A personal legacy accountant can generate a legacy profile using automatically obtained public records and personal records supplied by the individual, and afford the individual an opportunity to contextualize records for the profile. Through this contextualization, the individual can selectively define one or more perspectives for her legacy.Type: GrantFiled: November 15, 2022Date of Patent: July 8, 2025Assignee: United Services Automobile Association (USAA)Inventors: Thomas Mercer Harper, Noe Alberto Martinez, Keegan Patrick Hayes, Jennifer Dawn Ayala, Jennifer Marie Chandler-Bradley, Joseph H. Louwagie, III, Mathew Cyriac Kottoor, Emily Nicole Van Santen
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Patent number: 12354455Abstract: The disclosed wearable device systems include several features for alerting and guiding persons who are approaching other persons in order to promote social distancing. Sensor data from wearable devices that are disposed in an article of apparel are used to determine the presence of a human person within a detection zone around the article of apparel. The detection zone is created based on sound waves generated by sonar-based proximity detectors mounted on the article of apparel. The system could be used to warn a person who breaches the user's detection zone to maintain a safe distance.Type: GrantFiled: December 19, 2022Date of Patent: July 8, 2025Assignee: United Services Automobile Association (USAA)Inventors: Mark Paxman Warnick, Elena Marie Carrasco, Celena Dortch, Justin Dax Haslam, David Jason Anderson James, Quian Antony Jones, Rosa Maria Smith, Katrina Marie Zell
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Patent number: 12346974Abstract: A system may include a router that may receive a plurality of data packets from one or more devices that communicatively couples to the router. The system may also include at least one processor that identifies an identity of a device based on a data packet received by the router from the device, generate an insurance policy that includes the device in response to identifying the identity of the device, and sends a notification indicative of the insurance policy to a computing device in response to generating the insurance policy.Type: GrantFiled: February 8, 2024Date of Patent: July 1, 2025Assignee: United Services Automobile Association (USAA)Inventors: Emily Margaret Gray, Daniel Christopher Bitsis, Jr., Qunying Kou, Robert Wiseman Simpson, Manfred Amann, Donnette Moncrief Brown, Eric David Schroeder, Meredith Beveridge, Michael J. Maciolek, Bobby Lawrence Mohs, Brian F. Shipley, Justin Dax Haslam, Ashley Raine Philbrick
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Patent number: 12346977Abstract: A system and method for using an augmented intelligence guide system to assist users, customers, members, and other users of a service (for example, a financial service or an insurance service) in completing a task or process to improve the success rate of the accurate completion of the steps necessary to execute the task or process is described. The system includes a process detection module, an experience determination module, an assistance classification module, and a guidance engine.Type: GrantFiled: February 23, 2024Date of Patent: July 1, 2025Assignee: United Services Automobile Association (USAA)Inventors: Ruthie D. Lyle, Sean Carl Mitchem, Ravi Durairaj, Mark Anthony Lopez, Nolan Serrao
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Patent number: 12346468Abstract: A method may include receiving, via a processor, a request to access data stored in a storage component and determining an identity of a user requesting access to the data based on user device data. The method may also involve monitoring one or more activities performed by the user on the data, determining whether the one or more activities correspond to one or more expected activities for the user accessing the data based on a model, and modifying the one or more access rights of the user to the data in response to determining that the one or more activities do not correspond to the one or more expected activities.Type: GrantFiled: December 9, 2021Date of Patent: July 1, 2025Assignee: United Services Automobile Association (USAA)Inventors: Arthur Quentin Smith, Justin Dax Haslam, Jose L. Romero, Jr.
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Patent number: 12345027Abstract: A warming device is disclosed. The warming device includes an interior void that is sized to accommodate an exterior plumbing fixture, like an outside faucet. The warming device includes a heating member that is automatically activated in response to a change in temperature. When activated, the heating member generates heat to help protect the exterior plumbing fixture from the elements.Type: GrantFiled: June 29, 2023Date of Patent: July 1, 2025Assignee: United Services Automobile Association (USAA)Inventors: Michael J. Maciolek, Manfred Amann, Donnette L. Moncrief Brown, Timothy Frank Davison, Snehal Desai, Nicole Ferretti, Rachel Michelle Ballew, Kelsey Anne O'Brien, Sayeef Rahim, Eric David Schroeder, Steven J. Schroeder, Joseph Michael Vesco, Justin Dax Haslam, Melissa Jane Porter
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Patent number: 12346322Abstract: Techniques are provided herein for filtering, modifying and/or transforming result data sets supplied by an application programming interface (API) independent of a schema defining a data contract between the API and the query service.Type: GrantFiled: June 23, 2023Date of Patent: July 1, 2025Assignee: United Services Automobile Association (USAA)Inventor: Joshua Garrett Weigand
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Patent number: 12346421Abstract: A tattoo detection-based method and system of performing an authentication of video of a person in order to authorize access to a secured resource is disclosed. The user provides image data in which they present a region of skin on which a pattern or code has been tattooed with ink that is invisible to the human eye. The system and method are configured to evaluate the image data to determine whether the cloaked token is present. If a cloaked token is present, the system determines the image is authentic and can verify an identity of the person. In some cases, the system can further be configured to automatically grant the person access to one or more services, features, or information for which he or she is authorized.Type: GrantFiled: October 27, 2022Date of Patent: July 1, 2025Assignee: United Services Automobile Association (USAA)Inventors: Brian Tougas, William Daniel Farmer, Ruthie D. Lyle, Kelly Q. Baker, Ryan Thomas Russell, Noe Alberto Martinez
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Patent number: 12346975Abstract: To enable efficient processing of an insurance claim that is submitted by a client, the presently disclosed embodiments include systems and methods that enable an insurance computing system to autonomously assess the risk of fraud associated with a claim by generating a risk score. The risk score may provide an indication of a likelihood of fraud associated with the claim based on similar insurance claims in the same geographical area, client information indicative of a likelihood to commit fraud, and/or a type of the claim. The insurance computing system may compare the risk score with a threshold number, and if the threshold number is exceeded, the insurance computing system may prompt the client to contact a service representative to further process or validate the claim. Otherwise, if the threshold number is not exceeded, the insurance computing system may continue processing the claim autonomously.Type: GrantFiled: October 23, 2023Date of Patent: July 1, 2025Assignee: United Services Automobile Association (USAA)Inventors: Breanna Nicole Allerkamp, Matthew Conrad Dahlman, Daniel Diaz, Andrew Luke Enochs, Shawn D. Low
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Patent number: 12339991Abstract: Provided is a data protection system that operates to shield private data from detection or communication over a network. In an embodiment, the system includes a shielding device that, when active, provides a shielding output that shields, e.g., obscures, detection of private data by sensors of smart devices. The shielding may be selectively activated such that active sensors of the smart devices may operate or detect environmental events normally during times outside of the shielding. A data protection tool of the system may remove or shield private data generated by a user device, e.g., by modifying captured image data.Type: GrantFiled: February 22, 2022Date of Patent: June 24, 2025Assignee: United Services Automobile Association (USAA)Inventors: Justin Dax Haslam, Jose L. Romero, Jr., Arthur Quentin Smith