Patents Assigned to USAA
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Patent number: 12046139Abstract: A vehicle parking management system includes one or more processors configured to receive data indicative of one or more characteristics of one or more parking locations. The one or more processors is also configured to determine one or more recommended parking locations of the one or more parking locations based on the data and based on an input related to a vehicle. The one or more processors is further configured to output a recommendation of the one or more recommended parking locations via a display screen to a driver of the vehicle.Type: GrantFiled: May 11, 2023Date of Patent: July 23, 2024Assignee: 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 Lecocke, Michael J. Maciolek, Bobby Lawrence Mohs, Brian F. Shipley, Justin Dax Haslam, Ashley Raine Philbrick
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Patent number: 12047535Abstract: Machine learning technology can analyze in real-time the data from a call between a person and a customer service representative. Based on this analysis, a server can determine a sentiment score that describes a sentiment expressed by the person or the customer service representative. If the server determines that the sentiment score is less than or equal to a pre-determined value, the server can inform the customer service representative's manager so that the manager can take further action to help the person and/or the customer service representative.Type: GrantFiled: September 6, 2023Date of Patent: July 23, 2024Assignee: United Services Automobile Association (USAA)Inventors: Victor Kwak, Seth E. Ethington, Jesse Williams Plymale
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Patent number: 12039500Abstract: Implementations provide a calendar application for dynamic scheduling and adjustment of events, such as sequential training events. The calendar application is used to specify events that are to occur within a schedule of events, an order in which the events are to occur, and a duration for each event. The calendar application is also used to specify available time periods in which the events may be scheduled. Based on the specified events and available time periods, the events are scheduled into available time periods to generate a calendar, a schedule of the events that preserves the specified order of events. On detecting a change in the inputs, such as a change in the specified events and/or available time periods, the calendar may be automatically updated (in real time with respect to the change) to accommodate the change, while preserving the order and duration of events.Type: GrantFiled: June 9, 2022Date of Patent: July 16, 2024Assignee: United Services Automobile Association (USAA)Inventors: Michael Gardner, David Hicken
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Patent number: 12041446Abstract: Embodiments disclosed herein describe vehicle-based authentication protocols. An illustrative authentication server may receive a request to authenticate a user connected from a mobile device. The authentication server may transmit a request to the mobile device to transmit geolocation data of the mobile device. In response, the mobile device may transmit a stream of its geolocation data. Based upon the received geolocation data stream, the authentication server may determine that the mobile device in a motion and select a vehicle-based authentication protocol to request geolocation data of a trusted vehicle. The authentication server may compare the mobile device geolocation data stream and the vehicle geolocation data stream to determine a similarity score. If the similarity score is above a threshold, the authentications server may authenticate the user. In some cases, the authentication server may authenticate the user if the mobile device is connected to the trusted vehicle.Type: GrantFiled: December 16, 2022Date of Patent: July 16, 2024Assignee: United Services Automobile Association (USAA)Inventors: Ryan Russell, Janelle Dziuk, Gregory Yarbrough, Bryan J. Osterkamp
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Patent number: 12039852Abstract: A pre-disaster banking system including a mobile conditions monitoring center including a vehicle having a system controller including: a device processor and a non-transitory computer readable medium including instructions to perform the following steps: receiving location data from a personal electronic device of a user; receiving forecast data regarding a predicted disaster; making a first determination, based on the received location data and the received forecast data, that the personal electronic device is located in an area that is expected to be affected by the predicted disaster; receiving banking information for the user; making a second determination that the user is scheduled to receive a payroll deposit that could be affected by the predicted disaster; and determining, based on the first determination and the second determination, a banking transaction to be executed for the user at a predetermined time relative to the predicted time of occurrence of the predicted disaster.Type: GrantFiled: July 31, 2023Date of Patent: July 16, 2024Assignee: United Services Automobile Association (USAA)Inventors: Meredith Beveridge, Michael J. Maciolek, Robert Wiseman Simpson, Daniel Christopher Bitsis, Jr., Bobby Lawrence Mohs, Manfred Amann, Emily Margaret Gray, Donnette Moncrief Brown
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Patent number: 12039610Abstract: A method may include receiving, via a processor, an indication that a user is performing one or more activities on a project code. The method may then involve receiving an insurance policy associated with the user and the project code in response to receiving the indication, monitoring the one or more activities performed on the project code by the user, and determining whether the one or more activities correspond to one or more expected activities associated with the insurance policy. The method may also include sending a notification indicative of one or more inconsistent activities to a user device in response to the one or more activities not corresponding to the one or more expected activities.Type: GrantFiled: May 18, 2022Date of Patent: July 16, 2024Assignee: United Services Automobile Association (USAA)Inventors: Caleb Ezekiel Johnson, Ric M. Pena, Oscar Guerra, Sumita T. Jonak
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Patent number: 12039594Abstract: A system may include a processor that may receive account information having a plurality of transactions associated with a bank account. The processor may then determine an expected burn rate of funds based on the account information, determine an expected savings balance at a first time based on the account information and the expected burn rate, generate an event in response to the expected savings balance being below a threshold, and send an alert including the event to a computing device associated with the user. The alert may indicate a status of the expected savings balance via an electronic display of the computing device.Type: GrantFiled: June 7, 2023Date of Patent: July 16, 2024Assignee: United Services Automobile Association (USAA)Inventors: Nathan J. Rowe, Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Joseph Wall, Richard R. Rohrbough
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Patent number: 12034886Abstract: Methods and systems for routing multimedia traffic are described. A method may include receiving a communication originating from a user, transposing an alias transport network over one or more existing networks to route the communication, and routing the communication based on mapping rules.Type: GrantFiled: April 20, 2021Date of Patent: July 9, 2024Assignee: United Services Automobile Association (USAA)Inventors: Vijay Jayapalan, Susan Blake, Frederick Eugene Diehl, Jr., Jerry Scott Beene, Michael Sjolander
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Patent number: 12035071Abstract: Methods and systems described in this disclosure describe an integration of video sessions across platforms, transforming the user experience. In some embodiments, a user can participate in an interaction via a channel. Next, the system can determine whether the interaction is eligible for a video session with a representative. When the interaction is eligible for the video session, an option for the video session can be displayed on a user interface of the device. After receiving a request for the video session, the video session can be routed to a uniquely skilled representative, where the uniquely skilled representative is determined based, at least in part, on the interaction.Type: GrantFiled: October 5, 2021Date of Patent: July 9, 2024Assignee: United Services Automobile Association (USAA)Inventors: Enrique A. Tamayo, Nicole Calderon, Wesley Purcell, Luis Mireles, Felisa Flores, Vijay Jayapalan, Jeffrey William Gallagher, Minya Liang, Nathan J. Rowe, David W. Gaither, Elizabeth Guerrero
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Patent number: 12032545Abstract: Systems, methods, and computer-readable and executable instructions are provided for providing a device agnostic active/active data center. Providing a device agnostic active/active data center can include receiving user communication assigned from a content delivery network (CDN) provider. In addition, providing a device agnostic active/active data center can include determining a designated database for the user communication. Furthermore, providing a device agnostic active/active data center can include assigning a destination address to the designated database for the user communication.Type: GrantFiled: June 27, 2022Date of Patent: July 9, 2024Assignee: United Services Automobile Association (USAA)Inventors: Christopher T. Wilkinson, Shannon Thornton, Phillip C. Schwesinger, Jason P. Larrew, Tommy B. Lavelle
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Patent number: 12033149Abstract: A payment card security system includes a payment card provider account system communicatively coupled to a payment card transaction device and a mobile device. The payment card transaction device sends an indication that a payment card is being used to perform a transaction. The payment card provider account system includes processors that receive the indication that the payment card is being used to perform the transaction from the payment card transaction device. The processors also send a notification indicating that the payment card is being used to perform the transaction. The processors further enable authorization of the transaction via the mobile device. In this manner, the payment card security system may prevent or reduce the occurrence of suspicious transactions as they are occurring, rather than waiting until after they have occurred.Type: GrantFiled: July 2, 2021Date of Patent: July 9, 2024Assignee: United Services Automobile Association (USAA)Inventors: Nathan Scott Harman, Ashley Nicole Munoz, Matthew David LaBrenz, Mark Jeffrey Wallace, Bryan Leonard Bain, William Daniel Farmer, James Edward Finley, Jr., Arthur Vajirasarn
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Patent number: 12032642Abstract: A data sharing system may facilitate sharing of data with third party systems. In one example, the data sharing system can provide a graphical user interface that displays an available subset of user data for sharing. The available subset may be based on previously shared user data with the third party system. The third party system can provide a selection of data of interest within the available subset, and the selected data can be shared.Type: GrantFiled: March 31, 2022Date of Patent: July 9, 2024Assignee: United Services Automobile Association (USAA)Inventors: Oscar Guerra, Megan Sarah Jennings, Dustin Bowen Bitter, Pooja Krishnaswamy, Donald Nathaniel Holloway, III, Nikhil Dama
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Patent number: 12033489Abstract: Systems and methods of the present disclosure include a vehicle water detection system that includes a housing configured to be disposed within a vehicle. The vehicle water detection system also includes a water-activated battery disposed within the housing and configured to produce an electrical voltage upon contact with water. The vehicle water detection system further includes an electronic circuitry disposed within the housing and configured to detect a water event occurring in the vehicle based at least in part on the electrical voltage.Type: GrantFiled: April 25, 2023Date of Patent: July 9, 2024Assignee: United Services Automobile Association (USAA)Inventors: Stefanie Jean Acosta, Carlos J P Chavez, Janelle Denice Dziuk, Michael Joseph Gaeta, Stacy Callaway Huggar, Emily Kathleen Krebs, Jeffrey Neal Pollack, Mitzi Ruiz
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Patent number: 12035021Abstract: The present disclosure provides systems, methods, and machine-readable media for concurrent communication. One method includes displaying an interactive application on a first device of a user during a break in an entertainment segment displayed on a second device, sending a request for interaction from the user through the interactive application, pausing the interactive application when the break in the entertainment segment is over, and notifying the user when an additional break begins so the user can commence interacting with the interactive application.Type: GrantFiled: September 9, 2022Date of Patent: July 9, 2024Assignee: United Services Automobile Association (USAA)Inventors: Maland Mortensen, Teddy J. Vontour, Emily Gray, Andrew Anaruk, Christopher T. Wilkinson
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Patent number: 12034720Abstract: Methods and systems described in this disclosure receive a call from a device associated with a caller and determine whether the caller is eligible for biometric authentication via the device by sending, via a communications network, an eligibility determination request to an issuer of the device. In response to the caller being eligible for biometric authentication, a request to initiate a biometric authentication process on the device is sent to an issuer of the device, where biometric credentials are received by the device and an indication of whether the biometric credentials were verified is received from the issuer of the device.Type: GrantFiled: June 29, 2022Date of Patent: July 9, 2024Assignee: United Services Automobile Association (USAA)Inventors: David Tuomikoski, Rochelle A. Tijerina
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Patent number: 12026783Abstract: A method may include receiving, via at least one processor, a plurality of images representative of a property and determining whether two or more images of the plurality of images correspond to reference image data associated with the property. The method may then involve combining the images to generate a digitally stitched image that corresponds to the reference image data in response to the images corresponding to the reference image data and comparing the digitally stitched image to the reference image data to identify features associated with the property. The method may also involve updating a model representative of the property based on the features and generating an updated insurance policy associated with the property based on the model. Afterwards, the method may send a notification indicative of the updated insurance policy to a computing device.Type: GrantFiled: October 29, 2021Date of Patent: July 2, 2024Assignee: United Services Automobile Association (USAA)Inventors: Madhusudhana Rao Abburi, Shayla Leigh Callis, Neetu Jain, Ric M. Pena, Anto Chirayil Thomas
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Patent number: 12028340Abstract: A computer-implemented method for data segmentation to improve security is described. The method includes receiving a request, from a client device of a user, for authentication information; parsing the request; based on the parsing, determining an authentication score that represents a likelihood that the request is from an authenticated device; determining, from the authentication score, a number of segments into which the requested authentication information is divided; and for each of the segments, assigning one or more portions of the authentication information to that segment, in which each segment is associated with one or more times at which to transmit information assigned to that segment, and at one or more times specified by that segment, transmitting one or more portions of the authentication information assigned to that segment to the client device.Type: GrantFiled: August 1, 2023Date of Patent: July 2, 2024Assignee: United Services Automobile Association (USAA)Inventors: Dustin Bowen Bitter, Marta Leigh Argumedo, David Joaquin Harris, Thomas Wayne Schwarz, Jr., Gabriel C. Fernandez
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Patent number: 12027032Abstract: A sensitive area activity monitoring system is provided. A non-intrusive sensor that does not provide image, video, or audio data is used to capture data in a sensitive area that is associated with an activity. The sensor data is logged and provided to a downstream service tasked with personalizing the service based upon the logged data.Type: GrantFiled: April 28, 2022Date of Patent: July 2, 2024Assignee: United Services Automobile Association (USAA)Inventors: William Preston Culbertson, II, Gregory David Hansen, Mark Anthony Lopez, Will Kerns Maney, Keegan Patrick Hayes, Steven Michael Bernstein
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Patent number: 12026785Abstract: Techniques for gamifying risk management services include associating a financial status of a user with a defensible position display element in a gameplay scenario, receiving risk management data regarding at least one risk management service secured by the user, associating the risk management service with at least one defensive display element in the gameplay scenario, and providing the defensible position display element and each defensive display element to a display to cause the display to visualize the defensible position display element protected by each defensive display element in the gameplay scenario.Type: GrantFiled: August 9, 2023Date of Patent: July 2, 2024Assignee: United Services Automobile Association (“USAA”)Inventors: Shane C. Osborne, Jaime Fernandez, Jr.
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Patent number: 12026946Abstract: A post-disaster conditions monitoring system is disclosed. The system may include plurality of aircraft drones configured to take photographic images; a conditions monitoring center having a controller including a device processor and a non-transitory computer readable medium including instructions executable by the device processor to perform the following steps: receiving images from the plurality of aircraft drones in a geographic region; determining conditions in the geographic region based on the images received from the plurality of aircraft drones; and sending information regarding the determined conditions to one or more users of the system.Type: GrantFiled: July 3, 2023Date of Patent: July 2, 2024Assignee: 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