Patents Assigned to USAA
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Patent number: 11710210Abstract: Implementations of the present disclosure include receiving a training image, providing a hash pattern that is representative of the training image, applying a plurality of filters to the training image to provide a respective plurality of filtered training images, identifying a filter to be associated with the hash pattern based on the plurality of filtered training images, and storing a mapping of the filter to the hash pattern within a set of mapping in a data store.Type: GrantFiled: November 9, 2022Date of Patent: July 25, 2023Assignee: United Services Automobile Association (USAA)Inventor: Reynaldo Medina, III
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Patent number: 11709921Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system can use a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.Type: GrantFiled: November 19, 2021Date of Patent: July 25, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Richard A. Davey, Wilbert Bennett, Jr.
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Patent number: 11710326Abstract: A method includes receiving a first set of images from an image capture device of a vehicle. The method also includes performing a first analysis of movement of biomechanical points of occupants of the vehicle in the first set of images. The method further includes receiving an indication that a traffic incident has occurred. The method also includes receiving a second set of images from the image capture device corresponding to when the traffic incident occurred. The method further includes performing a second analysis of movement of the biomechanical points of the occupants in the second set of images. The method also includes determining a likelihood of injury or a severity of injury to the occupants based on the first analysis of movement and the second analysis of movement.Type: GrantFiled: August 17, 2021Date of Patent: July 25, 2023Assignee: United Services Automobile Association (USAA)Inventors: Jess W. Gingrich, Manfred Amann, Eric David Schroeder
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Patent number: 11710280Abstract: Disclosed herein is an environmental scanning tool that generates a digital model representing the surroundings of a user of an extended reality head-mounted display device. The environment is imaged in both a depth map and in visible light for some select objects of interest. The selected objects exist within the digital model at higher fidelity and resolution than the remaining portions of the model in order to manage the storage size of the digital model. In some cases, the objects of interest are selected, or their higher fidelity scans are directed, by a remote user. The digital model further includes time stamped updates of the environment such that users can view a state of the environment according to various timestamps.Type: GrantFiled: August 13, 2021Date of Patent: July 25, 2023Assignee: United Services Automobile Association (USAA)Inventors: Ravi Durairaj, Marta Argumedo, Sean C. Mitchem, Ruthie Lyle, Nolan Serrao, Bharat Prasad, Nathan L. Post
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Patent number: 11704378Abstract: Systems, methods, and products described herein include a server, which receives a request from a user's electronic client device. The server may query web pages and determine if the web pages comply with the compliance rules. When the web pages do not comply with the compliance rules, the server may generate an analysis report on the web pages and send the analysis report to the user. After the user reviews the report and chooses the trouble web pages, the server sends review alerts to the points of contact, such as the product owners and other stakeholders. The product owner may more easily be able to take proper actions and better manage the websites by refreshing noncompliant or incorrect content. In this way, the systems and methods allow product owners and users to manage and/or curate the content of web pages more systematically and automatically.Type: GrantFiled: July 25, 2022Date of Patent: July 18, 2023Assignee: United Services Automobile Association (USAA)Inventors: Cindy Zoller, Dennis Myers, Amy Rice, Larry Young, Georgiana Watts, Michael Bergin
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Patent number: 11704728Abstract: A method for detecting a fraud attempt in a communication session may include receiving, via at least one processor, a set of data associated with a communication session between a representative of an organization and a user, tagging, via the at least one processor, one or more items of the set of data as one or more tagged data items, applying, via the at least one processor, a fraud detecting algorithm to the one or more tagged data items to determine a percent likelihood of the user attempting to defraud the representative, generating, via the at least one processor, a visualization based on the percent likelihood, and displaying, via the at least one processor, the visualization via an electronic display during the communication session.Type: GrantFiled: May 19, 2021Date of Patent: July 18, 2023Assignee: United Services Automobile Association (USAA)Inventors: Arthur Quentin Smith, Kevin K. Fiedler, Andrew Jerome Gabriel Higgins
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Patent number: 11706337Abstract: A communication session may be established between a customer device and a customer service representative device. An artificial intelligence assistant may access the communication session and receive an input. The artificial intelligence assistant may process in the input. The artificial intelligence assistant may determine one or more characteristics of the input. The artificial intelligence assistant may determine an output based on the characteristics of the input. The artificial intelligence assistant may communicate the determined output to the customer service representative.Type: GrantFiled: August 27, 2020Date of Patent: July 18, 2023Assignee: United Services Automobile Association (USAA)Inventors: Sean C. Mitchem, Curtis M. Bell, Kou Qunying, Michael J. Maciolek, Donnette Moncrief Brown, Cory A. Matheson, Yevgeniy V. Khmelev, Janelle D. Dziuk
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Patent number: 11706098Abstract: Embodiments are described herein for systems and methods for continuously monitoring a network structure of one or more networks using a cloud-based network monitoring system, and rearranging, using the cloud-based network monitoring system, the network structure of the one or more networks to protect confidential and/or prioritized assets of the one or more networks based at least in part on the monitoring of the network structure of the one or more networks. In certain embodiments, the cloud-based network monitoring system is configured to continuously monitor a network structure of one or more networks, and to automatically rearrange the network structure of the one or more networks to protect confidential and/or prioritized assets of the one or more networks based at least in part on the continuous monitoring of the network structure of the one or more networks.Type: GrantFiled: June 29, 2022Date of Patent: July 18, 2023Assignee: United Services Automobile Association (USAA)Inventor: Timothy Blair Chalmers
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Patent number: 11706231Abstract: Techniques are described for managing a network through use of a security device that includes, or has access to, a blockchain node. The security device may manage a network of Internet-of-Things (IoT) devices in a home or other environment. The security device may act as an intermediary to manage secure, trusted communications between the IoT device(s) and external service(s). The security device may also provide network security features such as a network firewall. In some implementations, the security device may run a blockchain node, and the blockchain could be used to establish a verifiable home identity. The security device may interact with external resources and/or services, such as utility services, e-commerce services, and so forth, through this secure mechanism.Type: GrantFiled: May 27, 2021Date of Patent: July 18, 2023Assignee: United Services Automobile Association (USAA)Inventors: Ruthie D. Lyle, Bharat Prasad, Eric David Schroeder, Minya Liang, Thomas Bret Buckingham, Gabriel C. Fernandez
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Patent number: 11704634Abstract: A system, method and computer-readable medium are provided to enable digital bank endorsement. A digital image of a back side of a check may be placed in a computer memory. Appropriate coordinates for a bank endorsement may be determined. A bank endorsement may be automatically generated. The digital image may then be electronically altered by overlaying, merging, or rendering text of the generated bank endorsement. A modified digital image may be combined with an image of the front side of the check and stored and/or exported to check clearing operations.Type: GrantFiled: April 4, 2022Date of Patent: July 18, 2023Assignee: United Services Automobile Association (USAA)Inventor: Reynaldo Medina, III
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Patent number: 11704398Abstract: A real-world object-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 image data from an end-user in real-time that includes objects in their environment. At least one object is selected and its image data stored for subsequent authentication sessions, when the system can determine whether there is a match between the new image data and image data previously collected and stored in a database. 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: GrantFiled: May 11, 2021Date of Patent: July 18, 2023Assignee: 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: 11704730Abstract: 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: December 2, 2021Date of Patent: July 18, 2023Assignee: 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: 11706219Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for authenticating a first computing device to access a secure account. Receiving a request from a second computing device to be authorized to access the secure account. Providing, to the second computing, first data that represents a first machine-readable code for presentation by the second computing device. Receiving, from the first computing device, second data that represents a second machine-readable code as read by the first computing device. Authorizing the second computing device to access the secure account in response to determining that the second data accurately represents the first machine-readable code as sent to the second computing device.Type: GrantFiled: October 11, 2021Date of Patent: July 18, 2023Assignee: United Services Automobile Association (USAA)Inventor: Richard Davey
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Patent number: 11706347Abstract: Tangible, non-transitory, machine-readable media include instructions that cause a processor to receive a first indication that a user is attempting to communicate with a provider, and intercept communication between the user and the provider based on the first indication being received. The instructions also cause the processor to send user information to a provider application server based on the first indication being received, and display a visual interface that establishes communication with the relevant provider department or performs a transaction based on the first indication being received. The instructions further cause the processor to receive a second indication associated with performing the action associated with the provider via the visual interface; and performing the action based on the second indication being received.Type: GrantFiled: July 25, 2022Date of Patent: July 18, 2023Assignee: United Services Automobile Association (USAA)Inventors: Gualberto Camacho, David Tuomikoski
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Patent number: 11704726Abstract: Systems and methods described herein track bartering using distributed ledger techniques to, for example, facilitate the establishment of a bartering marketplace that enables users to barter for, and ultimately exchange, services and/or goods with each other. In certain embodiments, a monetary value may be assigned to each service and/or good to be bartered to establish appropriate bartering baselines. In addition, in certain embodiments, additional monetary value exchanges may be tracked for particular exchanges to make sure that the exchanges are fair.Type: GrantFiled: November 24, 2020Date of Patent: July 18, 2023Assignee: United Services Automobile Association (USAA)Inventors: Ashley Raine Philbrick, Oscar Guerra, Kelly Q. Baker, Carlos J P Chavez, Yevgeniy Viatcheslavovich Khmelev, Theresa Marie Matowitz
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Patent number: 11699181Abstract: Disclosed are systems and methods for supporting a vehicle lending services platform. Specifically, machine learning is applied to identify and accumulate data from electronic services. The machine learning is further used to identify risk associated with a potential lend of a vehicle. The identified risk is presented as part of a browser plugin graphical user interface (GUI) and/or inline with portions of a portal GUI of the vehicle lending services platform.Type: GrantFiled: March 11, 2021Date of Patent: July 11, 2023Assignee: United Services Automobile Association (USAA)Inventors: Yevgeniy Viatcheslavovich Khmelev, Susan Elizabeth Wright, David M. Jones, Jr., Michael Anthony Miller
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Patent number: 11699333Abstract: A method may include receiving, via a processor, a request for payment of a payment amount from a first computing system. The method may also involve receiving a location of the first computing system, identifying one or more automatic teller machines (ATMs) based on the location of the first computing system, generating an image configured to cause the one or more ATMs to dispense funds that correspond to the payment amount, and sending the image to the first computing system.Type: GrantFiled: December 6, 2021Date of Patent: July 11, 2023Assignee: United Services Automobile Association (USAA)Inventors: Ashley Raine Philbrick, Oscar Guerra, Kelly Q. Baker, Carlos JP Chavez, Yevgeniy Viatcheslavovich Khmelev, Theresa Marie Matowitz
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Patent number: 11694484Abstract: A system and method are disclosed for helping a user determine whether a vehicle is subject to a safety recall and assisting the user with addressing incomplete safety recalls. A vehicle identification number (VIN) may be extracted from an image of a vehicle captured by a user electronic device and used to request safety recall information from a remote information system, which may provide a list of recalls associated with the vehicle. A list of nearby service centers may be identified based on the physical location of the user electronic device, and service appointments to address any incomplete recalls may be scheduled, either automatically or in response to user input.Type: GrantFiled: February 23, 2022Date of Patent: July 4, 2023Assignee: United Services Automobile Association (USAA)Inventor: Dexter Moon
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Patent number: 11694462Abstract: An image processing system or electronic device may implement processing circuitry. The processing circuitry may receive an image, such as financial document image. The processing circuitry may determine a character count for the financial document image or particular portions of the financial document image without recognizing any particular character in the financial document image. In that regard, the processing circuitry may determine a top left score for pixels in the financial document, the top left score indicating or representing a likelihood that a particular pixel corresponds to a top left corner of a text character. The processing circuitry may also determine top right score for image pixels. Then, the processing circuitry may identify one or more text chunks using the top left and top rights scores for pixels in the financial document image. The processing circuitry may determine a character count for the identified text chunks.Type: GrantFiled: February 15, 2022Date of Patent: July 4, 2023Assignee: United Services Automobile Association (USAA)Inventor: Adam S. Newman
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Patent number: 11696140Abstract: An authentication system includes an authenticator that receives an authentication request from a device and receives sensor data from one or more sensors, the sensor data being indicative of interaction with one or more real world objects or with a displayed authentication image. The authenticator determines that the sensor data is indicative of an authorized interaction with the one or more real world objects or with the displayed authentication image and, in response to the determination, grants the authentication request.Type: GrantFiled: April 26, 2021Date of Patent: July 4, 2023Assignee: United Services Automobile Association (USAA)Inventors: Bradly Jay Billman, Jennifer Hunt Erickson