Patents Assigned to USAA
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Patent number: 11811811Abstract: Disclosed herein are embodiments of systems, methods, and products comprising an analytic server, which automatically detects malicious electronic files. The analytic server receives electronic files, runs a file extraction module to recursively scan the electronic files, and extracts all of the embedded and linked electronic files. The analytic server runs an exploit scanner against the extracted electronic files, and extracts code included in the electronic files. The analytic server deobfuscates the extracted code and examines the deobfuscated code by applying a set of malicious behavior rules against the deobfuscated rules. The analytic server identifies potentially malicious electronic files based on the examination. The analytic server applies a set of whitelist rules on the potentially malicious electronic files to eliminate false alarms. The analytic server transmits alert notifications to an analyst regarding the malicious electronic files and updates the whitelist rules based on analyst's feedback.Type: GrantFiled: October 26, 2021Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventor: Joseph Andrew Kjar
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Patent number: 11810183Abstract: Systems and methods described herein facilitate the tracking of shared ownership of assets, such as real property as well as other types of property, using distributed ledger technology (DLT) techniques. For example, in timesharing scenarios, by storing data relating to shared ownership of particular assets in a distributed ledger, such as a blockchain, various aspects of the shared ownership of the shared asset may be tracked in an immutable and secure manner with all parties involved having transparency into the data relating to the shared asset. For example, the embodiments described herein enable tracking of certain aspects relating to shared ownership of a shared asset, such as scheduling of time periods during which certain share owners may take custody, tracking of transfers of custody of the shared asset between share owners, transfer of control of smart devices associated with the shared asset, and so forth.Type: GrantFiled: February 19, 2020Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventors: Thomas Wayne Schwarz, Jr., Snehal Desai, Nolan Serrao, Jeanie Graciela Lopez, Jennifer Hunt Erickson, Bharat Prasad, Yevgeniy Viatcheslavovich Khmelev, Joel S. Hartshorn
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Patent number: 11809184Abstract: A system and method for automatically engaging an autonomous driving mode in a vehicle is disclosed. The method includes monitoring a driver and switching to the autonomous driving mode if an unsafe driving condition is detected. The method can include monitoring biometric data. The method can also include monitoring behavioral data using one or more kinds of vehicle sensors. The system and method ensure a vehicle is safely driven even if a driver experiences a health episode that could leave them unable to safely operate the vehicle.Type: GrantFiled: March 28, 2019Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventors: Sean Carl Mitchem, Gregory Brian Meyer, Will Kerns Maney, Jr, Ruthie D. Lyle, Deborah Schulz, Brian J. Osterkamp, Timothy Blair Chalmers
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Patent number: 11811758Abstract: Current embodiments relate to proofing and authenticating digital access and/or control requests. By communicating with various service providers, automatic proofing and/or enrollment for authentication of digital access and/or control services may be provided.Type: GrantFiled: March 8, 2023Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventors: Michael Wayne Lester, Thomas Bret Buckingham
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Patent number: 11808044Abstract: Systems and methods container for the protection of exterior surfaces of buildings and other outdoor structures are disclosed. The proposed systems are configured to offer a mesh-based covering that can be installed on surfaces such as roofs to safeguard the exterior surface from damage caused by hailstorms or other debris. The mesh covering can be colored to match the coloring of the roof surface and/or may be substantially transparent or comprise a material thin enough to remain imperceptible when viewed from a distance. Consumers can order the mesh material to match the appearance type of their homes. The mesh covering can be spaced apart from the roof surface to ensure the impact of hail does not affect the roof.Type: GrantFiled: March 31, 2021Date of Patent: November 7, 2023Assignee: 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
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Patent number: 11810108Abstract: Various embodiments generally relate to generating and scheduling transactions in advance. More specifically, various embodiments relate to receiving a request for a transaction from a user device; processing the transaction, where the transaction requires some user interaction at a point of transaction to complete the transaction; identifying a location for completion of the transaction; determining possible points of transaction within a predetermined distance of the identified location; displaying the possible points of transaction; receiving a selection of one of the possible points of transaction; generating a unique identifier for the transaction based on the selected point of transaction; and sending the unique identifier for presentation at the selected point of transaction, where the unique identifier is used to complete the transaction.Type: GrantFiled: June 25, 2021Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventors: Andre Rene Buentello, Gunjan Vijayvergia, Michael Joseph Gaeta
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Patent number: 11812182Abstract: A method and system for using a vehicle camera to capture visual information for a home security system is described. In one embodiment, the method includes detecting a trigger event to activate at least one home security camera of a home security system of a dwelling. The method also includes analyzing activity of a target person near the dwelling using the at least one home security camera. Based on the analyzed activity, the method includes activating at least one camera of a vehicle located at or near the dwelling. The method further includes capturing visual information associated with the target person using the at least one camera of the vehicle.Type: GrantFiled: September 22, 2021Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventors: Cynthia Ann Hinojosa, Stephen Anthony Young, Nathan Lee Post
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Patent number: 11810327Abstract: A data acquisition system of a vehicle includes an image capture device, a communication interface, and a controller communicatively coupled to the image capture device and communicatively coupled to the communication interface. Processors of the controller are configured to calibrate an image-distance relationship value of an identified component of a first image captured by the image capture device corresponding to a known feature based on established metrics of the known feature. The processors are also configured to provide control of the vehicle or activation of an alert system of the vehicle via the communication interface based on the image-distance relationship value.Type: GrantFiled: October 2, 2022Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventor: Jess W. Gingrich
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Patent number: 11811719Abstract: One or more servers are provided for processing incoming service messages for customers which are account holders of accounts that are managed at least in part by a service provider. An incoming service message may be received from a user device via a network. The incoming service message may include free-form input data (e.g. free-form text data or free-form audio data). The free-form input data may be processed to determine one or more intent classifiers and/or one or more emotion classifiers using artificial intelligence, e.g. a natural language understanding function. A service department identifier may be selected based on at least the one or more intent classifiers or the one or more emotion classifiers. A message may be sent to a selected service representative identifier associated with the selected service department identifier, where the message includes an identifier for identifying information associated with the incoming service message.Type: GrantFiled: June 30, 2021Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventors: Will Kerns Maney, Jr., Ruthie D. Lyle, Celena Dortch, David Jason Anderson James, Salvador Adrian Bretado
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Patent number: 11810379Abstract: The embodiments provide a system and method for detecting sensitive data in one or more documents, which may be housed in a data storage system. More specifically, the embodiments provide a system that can not only identify potentially sensitive data based on pattern matching, but which can also infer context in unstructured domains. Context may be inferred using both part of speech analysis and by analyzing the similarity of potentially sensitive data with key terms using a vector space model.Type: GrantFiled: June 29, 2020Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventor: Darryl Trent Vickers
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Patent number: 11811682Abstract: Systems and methods for responding to latency in connected vehicles. Vehicles operating on or near the edge of networks are identified. Vehicle dependent nodes are identified. Latency is calculated between the vehicle and the dependent nodes. The latency is compared to one or more threshold values and a response is determined and/or executed.Type: GrantFiled: December 9, 2022Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventors: Sean Mitchem, Ashley Philbrick, Yevgeniy Khmelev, Justin Jackson, Ruthie Lyle, Ravi Durairai
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Patent number: 11811971Abstract: System and methods for classifying free-form occupation inputs into prescribed occupation inputs are provided. In one embodiment, a machine receives an occupation; generates a meaning vector; compares the meaning vector against meaning vectors associated with a prescribed set of occupations; determines meaning scores for the prescribed set of occupations based upon an affinity between vector and the vectors associated with the prescribed set of occupations; selects a subset of the prescribed set of occupations based upon the meaning scores for the prescribed set of occupations; presents a selectable list of the subset of prescribed occupations; receives an indication of a selection a particular prescribed occupation for the selectable list; and provides the particular prescribed occupation to a downstream-processing system that is configured to only handle occupations in prescribed set of occupations.Type: GrantFiled: April 28, 2022Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventor: Thirumurugan Thyagarajan
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Patent number: 11810413Abstract: An enrollment data management system includes one or more processors and memory storing instructions executable by the one or more processors to cause the one or more processors to receive sensor data from one or more sensors located at a property, wherein the sensor data indicates a plurality of individual detection events that each indicate presence of an individual at the property. The instructions are executable by the one or more processors to cause the one or more processors to analyze the sensor data to determine that the property qualifies as a residence of the individual, access information relevant to the property from one or more databases, utilize the information relevant to the property as enrollment information for an enrollment process for the individual.Type: GrantFiled: June 28, 2022Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventors: Gabrielle Diane Salazar, Dustin Bowen Bitter, Mitzi Ruiz, Jeanie Graciela Lopez, Oscar Guerra, William Daniel Farmer, Jennifer Marie Chandler-Bradley
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Patent number: 11810200Abstract: A method and system for improving and automating the identification of homes located in an imminent or current disaster zone and causing an immediate release of funds to residents without requiring the insured member to first submit a claim are disclosed. The system and method are configured to determine whether there is a high likelihood of a disaster event occurring in a region, based on external sources or local device sensors. In response to the disaster event, a smart contract is executed such that funds are expeditiously released via a distributed ledger system to insured members in the first region.Type: GrantFiled: October 29, 2021Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAA)Inventors: Gregory Brian Meyer, Yevgeniy Viatcheslavovich Khmelev
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Patent number: 11812256Abstract: A system includes a client device including a processor, a telephony radio that supports telephony communications, and a data radio that supports data communications. The client device conducts, via the telephony radio, a call with a telephony service. Further the client device identifies a context of the call, identifies a subset of stored private data associated with the context of the call; and in parallel with the call, provides the subset of the stored private data, via a data radio, to a data service.Type: GrantFiled: December 22, 2022Date of Patent: November 7, 2023Assignee: United Services Automobile Association (USAAInventors: Rachel Elizabeth Csabi, Hollie Ilene King, Victor Kwak, Zachery C. Lake, Yogen Rai, Samantha Elizabeth Taylor, Nicholas C. Wheeler
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Patent number: 11803675Abstract: Methods and systems described in this disclosure are directed to rendering audiovisual (AN) simulation of a disaster situation at a facility by artificially simulating the disaster situation. The disaster situation uses a 3D model of the environment associated with the facility. Embodiments of the disclosed system continuously collect data relating to reactions of one or more users to the simulation model. Upon analyzing the reactions of one or more users to the simulation model, the system provides AN indicators such as an avatar, a virtual teacher, or a virtual user to provide information for responding to the disaster situation. In some embodiments, the simulation model can be customized based on one or more factors, such as an age of the one or users, a skillset of the one or more users, a geographical location of the facility.Type: GrantFiled: March 19, 2021Date of Patent: October 31, 2023Assignee: United Services Automobile Association (USAA)Inventors: Donna Moncrief Brown, Bradly Jay Billman, Alexander B. Nagelberg
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Patent number: 11803862Abstract: Systems and methods for voice-initiated transaction transfer are provided. A voice-initiated transaction transfer system includes an interactive voice response service that provides an initial voice-initiated transaction with a user and determines an intended transaction of the voice-initiated transaction. The system also includes an app administration service that receives an indication of the intended transaction from the interactive voice response service and triggers provision of a push notification to at least one app running on at least one electronic device associated with the user. The push notification includes an indication of a deep dive view to be presented on the app. The deep dive view includes a particular transaction screen of the app associated with the intended transaction.Type: GrantFiled: June 6, 2022Date of Patent: October 31, 2023Assignee: United Services Automobile Association (USAA)Inventors: David Tuomikoski, Hector Jaime Castillo, Mudhar Al Ethawy
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Patent number: 11805626Abstract: A heat exchanger for removing heat from a server cabinet, wherein the heat exchanger is disposed within the server cabinet and behind at least one server in the server cabinet, the heat exchanger including an upstream surface facing the at least one server, the upstream surface receiving air heated by the at least one server, wherein the air enters the heat exchanger in a generally horizontal direction, the heat exchanger having a fluid inlet for receiving a working fluid, and a fluid outlet for discharging the working fluid, wherein the working fluid cools the air entering the heat exchanger, and the heat exchanger having a downstream surface that discharges air cooled by the heat exchanger, wherein the air cooled by the heat exchanger exits the heat exchanger in a generally vertical direction.Type: GrantFiled: December 9, 2022Date of Patent: October 31, 2023Assignee: United Services Automobile Association (USAA)Inventors: John Andrew Weems, Raymond F. Martin
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Patent number: 11805120Abstract: Techniques are described for performing multi-factor authentication of a user during a service session, based at least partly on a code conveyed using an audio file. A code is generated that corresponds to the user and/or their user device. A playback device that is registered to the user can be used to output a playback of an audio file that encodes the code. The playback of the audio file is conveyed through the service session by the user device and received by a backend server, which analyzes the playback of the audio file to extract the code. The user can be authenticated based at least partly on verifying the code that is extracted from the playback of the audio file, by comparing the extracted code to the code that was generated and sent to the playback device.Type: GrantFiled: September 15, 2021Date of Patent: October 31, 2023Assignee: United Services Automobile Association (USAA)Inventors: Richard Davey, Gabriel C. Fernandez
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Patent number: 11803991Abstract: A data visualization tool and a method of using the tool for managing resources in a set of server clusters is disclosed. The visualization tool displays the allotment of computational resources among various categories, including currently allocated resources, resources reserved for pending requests and available resources. The resources include CPUs, memory, and storage. The visualization tool is configured to visually indicate the difference between server clusters where new resources can be allocated and other clusters where one or more resources are capped and prevent any new allocations. The visualization tool is also configured to show current utilization of each resource for comparison with the amount allocated.Type: GrantFiled: March 29, 2022Date of Patent: October 31, 2023Assignee: United Services Automobile Association (USAA)Inventor: Stanley Joseph Black