Patents Assigned to USAA
  • Patent number: 11829425
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to detect system problems using social media. One of the method includes monitoring posts on a plurality of social network sites. The method includes identifying posts that include at least one of a plurality of keywords, at least some of the keywords indicative of system problems. The method includes tagging the identified posts. The method includes determining, based on the tagged posts, that a system problem is occurring. The method also includes raising an alert regarding the system problem.
    Type: Grant
    Filed: September 7, 2022
    Date of Patent: November 28, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: William Gerth, Leonard S. Funari, Allison Squires Treharne
  • Patent number: 11825021
    Abstract: A call processing system and method for providing a secondary information channel to a caller. Upon reception of a call from a caller to a customer service representative on a primary access channel determine a device (secondary device) associated with the caller that is separate from the device the caller is using for the primary access channel. The secondary device is to be used to provide a secondary information access channel. The secondary information access channel is complimentary to the primary access channel between the caller and the customer service representative and is utilized to deliver information content to the caller and/or provide other services supportive of the conversation with the company service representative.
    Type: Grant
    Filed: December 6, 2022
    Date of Patent: November 21, 2023
    Assignee: United Services Automobile Association (“USAA”)
    Inventor: John R. Harris
  • Patent number: 11822681
    Abstract: A data processing system may include a plurality of host servers, each server including a device processor and a non-transitory computer readable medium including instructions stored thereon and executable by the processor, wherein the computer readable medium of each server includes instructions for running one or more virtual machines. In addition, the system may include a system controller including a device processor and a non-transitory computer readable medium including instructions stored thereon and executable by the processor, the computer readable medium of the system controller including instructions for receiving commands to host two or more virtual machines on the plurality of host servers; making a determination as to which of the virtual machines share commonalities with one another; and based on the determination, providing instructions to the plurality of host servers to host virtual machines determined to share one or more commonalities with one another on the same host server.
    Type: Grant
    Filed: December 19, 2019
    Date of Patent: November 21, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Nathan Lee Post, Ryan Thomas Russell, Bryan J. Osterkamp, William Preston Culbertson, II, Courtney St. Martin, Ashley Raine Philbrick
  • Patent number: 11825638
    Abstract: A climate control system may include an electronic equipment room including one or more interior partitions dividing the chamber into two or more subchambers. The system may further include a cooling system configured to provide the subchambers with different levels of cooling, wherein at least one partition is movable from a first position defining a first subchamber to a second position defining a second subchamber in a different area of the room than the first subchamber. The system may also include a controller including instructions for controlling operation of the movable partition based on cooling requirements of the electronic equipment in the room; a first heating, ventilation, and air conditioning (HVAC) unit and a second HVAC unit, each configured to provide cooling to a different subchamber of the electronic equipment room; and a third HVAC unit configured to provide backup for the first HVAC unit and/or the second HVAC unit.
    Type: Grant
    Filed: November 30, 2020
    Date of Patent: November 21, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Ryan Thomas Russell, Nathan Lee Post, Bryan J. Osterkamp, William Preston Culbertson, II, Courtney St. Martin, Ashley Raine Philbrick
  • Patent number: 11822633
    Abstract: Techniques are described for authenticating an individual based at least partly on a tremor signature of the individual. Motion data is collected through motion sensor(s), such as accelerometers, gyroscopic motion sensors, and so forth, of a portable computing device that is being held, worn, or is otherwise in contact with the user. Based on the collected motion data, a tremor signature may be determined and compared to a previously determined model for the user, and an authentication determination may be made based on the comparison. The tremor signature may be used in combination with other information to authenticate the user. For example, the tremor signature may be used in combination with location information and/or other biometric data such as a fingerprint scan, image of the user's face, audio recording of the user's voice, the user's heartbeat, a cardiac electrical signature, bio-electrical impedance, and so forth.
    Type: Grant
    Filed: October 21, 2020
    Date of Patent: November 21, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Snehal Desai, Matthew Flachsbart, Bradley Jay Billman
  • Patent number: 11824872
    Abstract: A system and method for detecting an anomaly based on user interaction with a mobile computing device is disclosed. The method includes activating, on the mobile computing device, an application, which is configured to store the machine learning model and the behavioral profile generated by the machine learning model in the memory of the mobile computing device; receive, track, and store in the memory of the mobile computing device an input pattern including navigation information and identification information inputted from the user during the user interaction with the mobile computing device; detect anomaly based on the user interaction with the mobile computing device by comparing the stored behavioral profile with the stored input pattern; and prohibit user to have further access to the financial application including user accounts in response to detection of the anomaly.
    Type: Grant
    Filed: May 29, 2020
    Date of Patent: November 21, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Gregory Brian Meyer, Mark Anthony Lopez, Ravi Durairaj, Nolan Serrao, Victor Kwak, Ryan Thomas Russell, Christopher Russell, Ruthie D. Lyle
  • Patent number: 11820386
    Abstract: The present disclosure relates to detecting distracted driving on a mobile device and mitigating distracted driving by determining whether a mobile device is used by a driver of a vehicle or by a passenger of the vehicle. The system can determine that the mobile device is in a vehicle and modify the functionality of the mobile device to transition the mobile device into an automobile mode. Vehicle data and/or mobile device data can be used to determine a number of individuals in the vehicle. An identity of the operator of the mobile device can be authenticated based on authentication information obtained by the mobile device. Based on the authenticated identity of the operator of the mobile device, a driving score associated with the driver can be modified, where the score indicates a number of instances of distracted driving by the driver.
    Type: Grant
    Filed: April 28, 2021
    Date of Patent: November 21, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Elena Carrasco, Will Kerns Maney, David Patrick Dixon, Subhalakshmi Selvam
  • Patent number: 11816944
    Abstract: Secure cash deposit containers, such as secure cash bags or secure cash boxes equipped with an integrated bill scanner and a transmitter. The integrated bill scanner may receive and count the bills, and then store them in the secure cash deposit container. A transmitter in communication with the scanner may then transmit a report to the bank servicing the commercial establishment's cash deposit account. The bank may then automatically credit the amount reported by the scanner to the commercial establishment cash deposit account. The amount credited may be subject to further verification, for example, by a bank teller or by a bank's automated cash counting and sorting machines.
    Type: Grant
    Filed: July 18, 2022
    Date of Patent: November 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Will Kerns Maney, Jr., Oscar Guerra, Ruthie D. Lyle
  • Patent number: 11818298
    Abstract: Systems and methods simulate call centers networks and call loads to test load balancing and routing. The simulation can be used for generating, using a load balancer, a call score for the one or more calls based on the call information and selecting, using the load balancer, one of the simulated call centers as a selected call center based on the call score and the respective response entity profile.
    Type: Grant
    Filed: June 23, 2022
    Date of Patent: November 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Lambros Petropoulos, Bipin Chadha, Michael P. Gout
  • Patent number: 11816984
    Abstract: The present application at least describes an apparatus for managing traffic. The apparatus includes a display including a graphical user interface. The apparatus also includes a non-transitory memory including information for managing traffic and a processor operably coupled to the display and memory, and configured to execute an instruction of receiving, via the graphical user interface, a request from a buyer to purchase a right of way from an entity at a traffic location. Another instruction includes reviewing, via gps, a location or route of the buyer in relation to the traffic location. Yet another instruction includes reviewing, via gps, a location or route of the entity in relation to the traffic location. Yet even another instruction includes determining, based upon the reviewed locations of the buyer and the entity, whether to send the buyer request to the entity; and sending, based upon the determination, the request to the entity.
    Type: Grant
    Filed: September 22, 2020
    Date of Patent: November 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: Gopinath Rangan
  • Patent number: 11814065
    Abstract: A method and system of intelligently alerting and/or routing vehicles to improve driving safety is disclosed. The method includes sharing data collected by vehicles in different locations to determine whether the presence of dynamically moving objects such as animals and pedestrians will affect traffic conditions for other vehicles on the nearby roadways. If the system determines there is a likelihood of such objects being obstacles to other vehicles, an alert can be automatically presented to the drivers of the impacted vehicles. The method further includes generating routes for the driver that avoid, or limit, the driver's exposure to the obstacle.
    Type: Grant
    Filed: October 29, 2021
    Date of Patent: November 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Nathan Lee Post, Carlos J P Chavez, Deborah Janette Schulz, Ashley Raine Philbrick, Eric David Schroeder, Gabriel Carlos Fernandez, Snehal Desai, Rachel Elizabeth Csabi, Ruthie D. Lyle, Courtney St. Martin
  • Patent number: 11816240
    Abstract: A self-modifying data container for improved data security and methods of use are disclosed. The self-modifying data container includes a data storage structure for storing financial transaction information. The self-modifying data container also includes a data manager stored as code within the container. The data manager can run on a system hosting the self-modifying data container. The data manager can access transaction information in the data storage structure and modify the data in response to modification triggers. The data manager can delete data in the data storage structure. The data manager can also encrypt data in the data storage structure. The self-modifying data container improves both data security and data privacy.
    Type: Grant
    Filed: November 24, 2020
    Date of Patent: November 14, 2023
    Assignee: 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
  • Patent number: 11816747
    Abstract: Systems and methods for detecting use of a property are provided. A first set of property identifying data for a first property is received from a first source. The first source indicates a use of the first property but does not publicly provide an address of the first property prior to initiation of a request for use of the first property. A second set of property identifying data for a second property from a second source is also received. The second source provides a property address of the second property. The first set of data are compared to the second set of data, to determine an amount of overlap. When the amount of overlap meets a pre-defined threshold amount, the first property and the second property are identified as a common property and a notice is provided of the property address and the use of the common property.
    Type: Grant
    Filed: August 9, 2019
    Date of Patent: November 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Andre Rene Buentello, Mark Anthony Lopez, Gregory Brian Meyer, Ashley Raine Philbrick, Garrett Rielly Rapport, Jose L. Romero, Jr., Michael Jay Szentes
  • Patent number: 11817711
    Abstract: A system includes an electrical connection system configured to transmit electric power to a plurality of devices associated with a structure and a control system associated with the structure. The control system is configured to receive data indicative of a respective priority associated with the plurality of devices and operate the electrical connection system to control flow of electric power to the plurality of devices based on the data.
    Type: Grant
    Filed: March 30, 2022
    Date of Patent: November 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Andre Rene Buentello, Dustin Bowen Bitter, Brennen Michael Ricks, Jose L. Romero, Jr.
  • Patent number: 11816199
    Abstract: The technology described herein detects a first device associated with a user that is within a detectable range of a second device. The system requests authentication information. In response to receiving the authentication information, a token generator associated with the user can generate a secure token. The secure token can be sent to the server. Once the secure token is verified, the user is granted access to one or more services.
    Type: Grant
    Filed: February 28, 2022
    Date of Patent: November 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Maland Keith Mortensen, Thomas Bret Buckingham, Gabriel Carlos Fernandez, Debra Randall Casillas
  • Patent number: 11817105
    Abstract: An authentication system may receive non-voice biometric authentication information from a user and authenticate the user via a first authentication method using the non-voice biometric authentication information. After authenticating the user via the first authentication method, the authentication system can enhance or create, based on a verbal request or a verbal command received from the user, a voice profile associated with the user. Once the profile is enhanced or created, the user is enrolled into a voice biometric authentication program.
    Type: Grant
    Filed: January 27, 2022
    Date of Patent: November 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Zakery Layne Johnson, Maland Keith Mortensen, Gabriel Carlos Fernandez, Debra Randall Casillas, Sudarshan Rangarajan, Thomas Bret Buckingham
  • Patent number: 11818125
    Abstract: Mutual authentication techniques are described in this patent document. For example, when a first person calls a second person, neither of them know that the other person is who he or she says he or she is. Thus, after a second person receives the call, the second person is asked to authenticate himself or herself using a user device. After the second person logs into his or her account, the second person can input on the user device a one-time passcode to authenticate the first person. The user device sends the passcode to an authentication server that allows the first person to send back the inputted one-time passcode to the second person. Upon receiving the inputted one-time passcode, the second person can use his or her user device to indicate that the one-time passcode is correct so that the second person can be authenticated to access the first person's account.
    Type: Grant
    Filed: March 18, 2022
    Date of Patent: November 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: Steven Anzaldua
  • Patent number: 11816660
    Abstract: Methods and systems are provided for making a pre-payment. In some embodiments, a user is provided with a mobile wallet; information populating at least one payment instrument to the mobile wallet is received; information that the mobile wallet is usable with respect to the vehicle is received; information that the mobile wallet has been presented by the vehicle to a payment location is received; an authorized pre-payment corresponding to items or an amount associated with the payment location is received; a token is received from the user at the payment location; and the pre-payment is settled using the payment instrument.
    Type: Grant
    Filed: August 25, 2021
    Date of Patent: November 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Leopoldo Luera, III, Charles Bear
  • Patent number: 11813530
    Abstract: A method for guiding game play of a game in an augmented reality game space. The game runs on a smart device in conjunction with a game space. The method includes determining that a user has completed a game objective and earned the right to a game piece having a concealed value. Information including an indication that the user has completed the game objective is sent from a smart device to a game server. The game server receives information from the smart device and sends information including a location of the game piece having a concealed value to the smart device and to a confirmation device. The smart device displays a location of the game piece having a concealed value in the augmented reality game space. Also, a system for game play including the smart device, the game server, and the confirmation device.
    Type: Grant
    Filed: July 8, 2022
    Date of Patent: November 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ruthie D. Lyle
  • Patent number: 11810347
    Abstract: A system and method for capturing and processing aerial images of structures to assess structural damage is disclosed. The system comprises an aerial system associated with an aerial vehicle, which is in contact with a ground system. The aerial system is used to capture images of selected locations associated with known structures and crop those images around the selected locations. The cropped images are then fed into a damage classifier that automatically classifies the degree of damage done to structures at the selected locations. The system and method may be deployed to quickly assess damage of structures in a disaster area.
    Type: Grant
    Filed: November 5, 2021
    Date of Patent: November 7, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Eric David Schroeder, Manfred Amann, Jess W. Gingrich, Donnette Moncrief Brown, Robert Wiseman Simpson, Daniel Diaz, Abbey Erin May, Jay Wesley Mullen, David Edward Garrison, Michael James Leach, Karen Marie Shackelford-George