Patents Assigned to USAA
  • Patent number: 12028389
    Abstract: The present disclosure is related to a focal awareness system that includes processors and memory storing instructions. The instructions may cause the processors to generate a graphical user interface (GUI) configured to present an online meeting window on a display during an online meeting, identify a location of a camera with respect to the display, and position the online meeting window on the display based on the location of the camera. instructions may also cause the processors to identify a position of a video window within the online meeting window, identify a respective location of each camera of a matrix of cameras with respect to the position of the video window, determine a closest camera having a shortest distance with respect to the position of the video window based on the respective location of each camera of the matrix of cameras, and activate the closest camera.
    Type: Grant
    Filed: May 26, 2022
    Date of Patent: July 2, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Stacy Callaway Huggar, Snehal Desai, Kristina Suniga-Cabrera, Noe Alberto Martinez, Katrina Marie Zell
  • Patent number: 12026694
    Abstract: Authentication methods and systems using RFID-enabled payment cards are disclosed herein where a server receives a request corresponding to authorization of a payment associated with a payment card from an electronic terminal. The server identifies an electronic device of a user associated with the payment card. The server then transmits an instruction to the electronic device to cause an RFID reader of the electronic device to determine whether an RFID tag corresponding to the payment card is located within a predetermined proximity to the electronic device. When the payment card is located within the predetermined proximity, the server executes a first authentication protocol. Moreover, when the payment card is not located within the predetermined proximity, the server executes a second authentication protocol, wherein the second authentication protocol is more restrictive than the first authentication protocol.
    Type: Grant
    Filed: July 27, 2023
    Date of Patent: July 2, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bryan J. Osterkamp, Kelly Q. Baker, David M. Jones, Jr., Ryan Thomas Russell, Robert Andrew Massie, Jon D. McEachron
  • Patent number: 12026135
    Abstract: A data management system includes a computing device. The computing device includes one or more processors to execute instructions stored in memory of the computing device. The instructions, when executed by the computer device, cause the computing device to receive an indication that multiple data elements are ready for evaluation, as well as determine whether metadata registration for the multiple data elements is valid. The instructions also cause the computing device to determine a data quality of the multiple data elements by evaluating multiple data elements based on multiple data quality dimensions including at least two of: validity, completeness, uniqueness, accuracy, consistency, and timeliness. The instructions also cause the computing device to provide an indication of the data quality of the multiple data elements via a graphical user interface (GUI) generated via a centralized data mart.
    Type: Grant
    Filed: April 29, 2022
    Date of Patent: July 2, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Rina Khanna, Prabhakar Swarna
  • Patent number: 12026049
    Abstract: Methods, systems, and storage media including instructions for resolving technology issues is described. One of the methods includes receiving, by at least one processor, a session record of user producing a technical error on a computer system. The method includes providing, by the at least one processor, the session record for resolution to a processing system. The method also includes providing, by the at least one processor, a potential solution to the technical error.
    Type: Grant
    Filed: February 2, 2023
    Date of Patent: July 2, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Rachel Elizabeth Csabi, Augustine Anthony Honore, Melissa Meadows Waldmeier, Joshua William Trivette
  • Patent number: 12029009
    Abstract: A cooling system configured to remove heat from a chimney of a server cabinet. The cooling system including a first chimney portion adjacent to the server cabinet, a second chimney portion extending from a top of the first chimney portion, wherein the second chimney portion is disposed above the server cabinet, a chimney heat exchanger disposed in the second chimney portion and above the server cabinet, a fluid inlet for providing a working fluid to the chimney heat exchanger, a fluid outlet for discharging the working fluid from the chimney heat exchanger, and an air handler heat exchanger connected to the chimney heat exchanger by a return air plenum, wherein the chimney heat exchanger has an upstream surface that receives waste heat generated by a server disposed in the server cabinet and a downstream surface that discharges air to the return air plenum.
    Type: Grant
    Filed: July 3, 2023
    Date of Patent: July 2, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: John Andrew Weems, Raymond F. Martin
  • Patent number: 12026688
    Abstract: Systems and methods for performing a transaction with a headless point-of-sale or automated teller machine (ATM) device are disclosed using a card having a second communications path to a financial services provider. A card having a display and radio frequency (RF) communications module may be authenticated with a headless point-of-sale device using a short-range RF communications link. Characteristics of the card may be set prior to the transaction. Transaction information may be provided to the display of the card from the headless point-of-sale device. A customer may confirm the transaction at the card using a touch-sensitive input area. During the processing, a communication may be made over the second communications path to authorize the transaction independently of the transaction processing path. A transaction may then be completed at the headless point-of-sale device.
    Type: Grant
    Filed: December 19, 2022
    Date of Patent: July 2, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Christopher Paul Courtright
  • Patent number: 12028323
    Abstract: The present disclosure relates generally to systems and methods for providing dynamic access levels based upon permitted provision of client system data. In particular, proactive blocking of access to protected systems/services may be implemented when client system electronic data provision requirements of the protected systems/services are not met.
    Type: Grant
    Filed: June 29, 2021
    Date of Patent: July 2, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Jennifer Hunt Erickson
  • Patent number: 12026696
    Abstract: Techniques are described for automatically presenting workflow(s) in an application based at least partly on detected signal(s). A radio-frequency signal may be emitted from a transceiver and received by a transceiver of a user device when the transceiver is in proximity to the device. In response, an application including functionality to activate a payment card can launch.
    Type: Grant
    Filed: December 13, 2022
    Date of Patent: July 2, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Matthew David Nolte, William Michael Webb, Shiloh Huff, Shane J. London
  • Patent number: 12026784
    Abstract: A computer system includes a memory configured to store instructions and a processor in communication with the memory.
    Type: Grant
    Filed: September 26, 2022
    Date of Patent: July 2, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kevin M. Cartwright, Michele Bevier, Perry M. Greer
  • Patent number: 12026239
    Abstract: A sound-based method and system of performing an authentication of a person in order to permit access to a secured resource is disclosed. The system and method are configured to collect audio data from an end-user in real-time that corresponds to ambient sounds for their alleged location. The audio data is compared to verified audio data for the actual location. The system can determine whether there is a match between the user audio data and audio data previously collected and stored in a database or obtained from an audio service provider. If there is a match, the system verifies an identity of the person and 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: Grant
    Filed: March 11, 2021
    Date of Patent: July 2, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Brian Tougas, William Daniel Farmer, Ruthie D. Lyle, Kelly Q. Baker, Ryan Thomas Russell, Noe Alberto Martinez
  • Patent number: 12020329
    Abstract: A method may include receiving, via a processor, an indication that a vehicle is in use, determining that a user of the vehicle is expected to perform an online-platform task, and determining one or more routes to perform the online-platform task. The method may further include determining one or more insurance rates for the one or more routes based on a type of the online-platform task, one or more driving characteristics associated with the user, the one or more routes, or any combination thereof. Additionally, the method may include displaying a visualization indicative of the one or more insurance rates via an electronic display. Furthermore, the method may include receiving a selection of a first insurance rate of the one or more insurance rates that corresponds to a first route of the one or more routes, detecting that the vehicle is deviating from the first route, and adjusting the first insurance rate in response to detecting that the vehicle is deviating from the first route.
    Type: Grant
    Filed: March 3, 2022
    Date of Patent: June 25, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Brian Francisco Shipley, Qunying Kou, Samip Dilip Mehra, Carlos J P Chavez, Timothy Shiveley, Ric M. Pena, Joel S. Hartshorn
  • Patent number: 12020254
    Abstract: A system and method for preventing fraudulent credit card or debit card transactions by coupling a smart phone to the credit card or the debit card, and transmitting identification information from the smart phone to the card. The card is normally disabled such that no transaction may take place unless the card is enabled. The card receives the transmitted identification information and compares that information to corresponding information stored on the card. If the received information matches the stored information, the card is enabled thus allowing the transaction to take place.
    Type: Grant
    Filed: January 11, 2023
    Date of Patent: June 25, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Robert Lee Black, Matthew Ryan Santacroce, Andre Rene Buentello, Jose L. Romero, Jr., Timothy Blair Chalmers, Samip Dilip Mehra
  • Patent number: 12021865
    Abstract: The technology described herein discloses systems and methods for upgrading biometric authentication system. The system can receive first biometric information in connection with an authentication request from a user. The system can authenticate the user via a first authentication system by comparing the first biometric information received in connection with the authentication request with second biometric information. The user can be automatically enrolled into a second authentication system using the first biometric information received in connection with the authentication request.
    Type: Grant
    Filed: April 5, 2023
    Date of Patent: June 25, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Maland Keith Mortensen
  • Patent number: 12020298
    Abstract: A system may include a database that has a number of datasets regarding a number of commercial items. The system may also include a processor that may communicative couple to a mobile electronic device. The processor may receive an image of a commercial item from the mobile electronic device, determine an identity of the commercial item based on the image and the number of datasets in the database, and determine one or more information links relevant to the commercial item based on the identity. The one or more information links may display information regarding the commercial item. The processor may then send the one or more information links to a mobile electronic device. The mobile electronic device may then display the one or more information links with the image.
    Type: Grant
    Filed: July 27, 2022
    Date of Patent: June 25, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Carlos J P Chavez, David James, Rachel Elizabeth Csabi, Quian Jones, Mitzi Ruiz
  • Patent number: 12019954
    Abstract: Methods and systems described in this disclosure receive a request for assistance from a device associated with a user, launch a conversational virtual assistant on the device, determine at least one potential subject of the request based on information associated with the user and a tab or webpage from which the conversational virtual assistant is launched, receive a verification of the subject of the request, create a contact menu with options for receiving the assistance, and receive a selection of one of the options.
    Type: Grant
    Filed: June 9, 2023
    Date of Patent: June 25, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Brett Knight, Jeffrey William Gallagher, Justin Leggett, Andrew P. Jamison
  • Patent number: 12020677
    Abstract: An audio modification system includes one or more processors configured to receive audio data indicative of communication of a user while the user is positioned in a first portion of a control area, determine that the communication of the user is confidential based on the audio data, determine generated audio data configured to render the communication of the user at least partially inaudible in a second portion of the control area, and output a control signal indicative of instructions to provide the generated audio data.
    Type: Grant
    Filed: April 19, 2022
    Date of Patent: June 25, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Galo M. Alava, Amanda Michelle Boyd, Ramsey Devereaux, Gregory Mark Lamontagne, Elizabeth J. Rubin, Brian Tougas, Courtney St. Martin, Michael Kyne
  • Patent number: 12015735
    Abstract: Technology for placing a user on-hold can include sending a push notification to a user device after the call has been placed on-hold. A link in the push notification can request authentication credentials from the user. When the authentication credentials have been received and verified, a chat window can be launched via an application on the user device. The intent of the call can be determined based at least in part by information received via the chat window. The authentication information and the intent of the call can be transferred to a representative answering the call.
    Type: Grant
    Filed: December 2, 2022
    Date of Patent: June 18, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Gregory David Hansen, Megan Sarah Jennings, Emily Margaret Gray, Gregory B Yarbrough, Madhusudhana Rao Abburi, Charles Balasingh, Janelle Denice Dziuk, Samip Dilip Mehra, David Patrick Dixon
  • Patent number: 12014168
    Abstract: Systems and methods for scheduling and deploying patches to electronic device assets are provided. A patch management system identifies scheduling for patching and causes a patch scripting service to apply patching tags to the electronic device assets. A patch deployment service deploys patches based upon the applied tags.
    Type: Grant
    Filed: June 30, 2021
    Date of Patent: June 18, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Shawn Kerrigan Bartosik
  • Patent number: 12012762
    Abstract: A system and a method for a deployable awning that detects impending storms or other weather events and automatically deploys from a structure to extend out and cover vehicles to protect them from damage due to the storm or other weather event. In one embodiment, a method includes determining that an activating event has occurred. The activating event includes a storm or other weather event. Upon determining that the activating event has occurred, the method includes automatically deploying an awning from a stored configuration inside an awning housing to a deployed configuration such that the awning covers a coverage area of a ground surface adjacent to a location where the awning housing is mounted.
    Type: Grant
    Filed: April 30, 2021
    Date of Patent: June 18, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Cynthia Ann Hinojosa, Andrew Jacob Contreras, Lemont Williamson, Igor Alexandre Gregorio, Stephen Anthony Young, Jonathan Edward Seaton, Chris Aaron Bodden, Shirley Elizabeth Bunton, Shayna Dickson, Ric M. Pena
  • Patent number: 12015653
    Abstract: A system for managing an online meeting includes one or more hardware processors. The system also includes a non-transitory memory, the non-transitory memory storing instructions that, when executed by the one or hardware processors, causes the one or more hardware processors to perform actions. The actions include monitoring participants during the online meeting. The actions also include adjusting interaction between a least a subset of the participants via one or more interfaces based on the monitoring.
    Type: Grant
    Filed: March 16, 2022
    Date of Patent: June 18, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Snehal Desai, Stacy Callaway Huggar, Noe Alberto Martinez, Kristina Suniga-Cabrera