Patents Assigned to USAA
  • Patent number: 11694268
    Abstract: A live video of a negotiable instrument may be provided to a financial institution so that an image of the negotiable instrument may be obtained from the live video, processed, and funds associated with the negotiable instrument may be deposited in an account of a user. The user may be identified and authenticated to the financial institution by one or more biometric characteristics. One or more biometric characteristics may be used to endorse the negotiable instrument. A holder may be used to hold the negotiable instrument while live video is being taken and provided from a user to a financial institution.
    Type: Grant
    Filed: October 27, 2021
    Date of Patent: July 4, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: Andre Rene Buentello
  • Patent number: 11694573
    Abstract: An augmented reality system may include a data gathering device configured to collect data regarding an environment exterior to the vehicle. In addition, the system may include a vehicle controller including a device processor and a non-transitory computer readable medium including instructions, executable by the processor, for performing the following steps: receiving data from the data gathering device; and transmitting information to a set of augmented reality goggles in order to facilitate a projection of a modified view of an interior of the vehicle based on the data collected regarding the environment exterior to the vehicle.
    Type: Grant
    Filed: May 29, 2020
    Date of Patent: July 4, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Donnette L. Moncrief Brown, Robert Wiseman Simpson, Manfred Amann, Timothy Frank Davison, Snehal Desai, Michael J. Maciolek, Kelsey Anne O'Brien, Eric David Schroeder, Emily Margaret Gray, Justin Dax Haslam, Matthew Ryan Santacroce
  • Patent number: 11688278
    Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to direct vehicle traffic in response to a vehicular accident. For example, an unmanned vehicle may analyze information about the accident scene and based on the information direct traffic near the accident scene.
    Type: Grant
    Filed: December 17, 2020
    Date of Patent: June 27, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Richard Daniel Graham, Bradly Jay Billman
  • Patent number: 11687421
    Abstract: The present disclosure provides a system and method for online brand continuity. Online brand continuity can include a number of Internet or intranet access points via which one or more network addresses can be advertised. A client can be provided with availability of a business image application via at least one of the Internet or intranet access points.
    Type: Grant
    Filed: May 19, 2022
    Date of Patent: June 27, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: David M. Niedzielski, Christopher S. Trost, Roger Pena, Tommy Lavelle, Donald E. Clemons
  • Patent number: 11687934
    Abstract: Techniques are described for determining account features based on a risk assessment. A first set of account features may be determined, including security feature(s) such as mode(s) for authenticating and/or verifying the identity of a user associated with account(s). Based on the first set of features, a risk metric may be determined for the account(s). The risk metric may indicate a risk that fraud may be committed against the account or using the account. Based on the determined risk metric, a second set of account features may be determined for the account(s). The first and second sets of account feature(s) may be applied to the account(s). Disabling a particular feature may cause a reevaluation of the risk metric and a redetermination of the feature sets to be applied to the account(s).
    Type: Grant
    Filed: August 18, 2021
    Date of Patent: June 27, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Thomas Bret Buckingham, Jonathan G. Walters, Jeffrey Walton Easley, Lee Adams
  • Patent number: 11688400
    Abstract: A method for electronically utilizing content in a communication between a customer and a customer representative is provided. An audible conversation between a customer and a service representative is captured. At least a portion of the audible conversation is converted into computer searchable data. The computer searchable data is analyzed during the audible conversation to identify relevant meta tags previously stored in a data repository or generated during the audible conversation. Each meta tag is associated with the customer. Each meta tag provides a contextual item determined from at least a portion of one of a current or previous conversation with the customer. A meta tag determined to be relevant to the current conversation between the service representative and the customer is displayed in real time to the service representative currently conversing with the customer.
    Type: Grant
    Filed: April 21, 2021
    Date of Patent: June 27, 2023
    Assignee: United Services Automobile Association (“USAA”)
    Inventors: Zakery L. Johnson, Jonathan E. Neuse
  • Patent number: 11688014
    Abstract: A property is identified about which to gather information. A vehicle is deployed to a location associated with the property. The vehicle gathers data at the location. A portion of the gathered data indicating a condition or event at the property is determined and encrypted. The portion of the gathered data is stored or sent to an authorized party.
    Type: Grant
    Filed: October 20, 2020
    Date of Patent: June 27, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Anthony Scott Farnsworth, Justin Dax Haslam, Kathleen L. Swain, Teddy Joseph Edmond Voutour, Jess W. Gingrich, Michael J. Allen, Anthony G. Castiglione, Jordan A. Newmark
  • Patent number: 11687641
    Abstract: A computer system and method having a user interface including a touch-sensitive display screen. The system and method enables entry of a password which includes displaying a first array of a plurality of images on the touch-sensitive display prompting a user to select with a finger one of the plurality of images displayed. Subsequently at least another array of a plurality of images successive to the first array is displayed on the touch sensitive display prompting a user to select with a finger one of the plurality of images displayed in the another array of images. A computer processor then determines if a user selected a predetermined image from the first array of the plurality of images and a predetermined image from each at least another array of plurality of images displayed after the first array. If determined, the user is permitted access to an application executable on the computer system.
    Type: Grant
    Filed: September 15, 2021
    Date of Patent: June 27, 2023
    Assignee: United Services Automobile Association (“USAA”)
    Inventor: Gregory Brian Meyer
  • Patent number: 11682221
    Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check; displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.
    Type: Grant
    Filed: January 28, 2021
    Date of Patent: June 20, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATES (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 11682303
    Abstract: 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: Grant
    Filed: February 16, 2022
    Date of Patent: June 20, 2023
    Assignee: 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
  • Patent number: 11683263
    Abstract: A method comprises receiving, at a system from an application server, a request for a service, the system comprising two or more global session databases, and the request associated with a session; identifying among the two or more global session databases, a first global session database to fulfill the request based on a criteria; storing, by the application server, the session at the first global session database; and transmitting, by the session, data associated with the request for the service in accordance with a configuration table. Additional methods, systems, and non-transitory computer-readable media or computer program products provide similar or alternative functionality.
    Type: Grant
    Filed: June 21, 2021
    Date of Patent: June 20, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: David Niedzielski
  • Patent number: 11680717
    Abstract: A workstation cooling system includes a radiant panel configured to be disposed in a workstation. The workstation cooling system also includes a water supply conduit configured to provide a cooling water flow to an inlet of the radiant panel and a water return conduit configured to receive the cooling water flow from an outlet of the radiant panel. The workstation cooling system additionally includes a control valve configured to receive control signals to adjust the cooling water flow provided to the radiant panel to enable the radiant panel to absorb heat to maintain a target temperature of the workstation.
    Type: Grant
    Filed: March 25, 2021
    Date of Patent: June 20, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: John Andrew Weems
  • Patent number: 11683347
    Abstract: Techniques are described for adjusting policy characteristics based on a determined similarity between routes. A similarity metric may be determined indicating the similarity between a first route followed by a vehicle and/or driver and a second (e.g., previous) route followed by the vehicle and/or driver. A similarity metric may indicate the similarity in movements, and changes in movement, exhibited by the vehicle on the routes. The similarity metric may be determined through analysis of real time data collected by in-vehicle sensor(s), mobile user device(s), external sensors or other data sources. Based on the similarity metric, a premium, a deductible, a price, or other characteristic(s) of a policy may be determined. In some examples, policy characteristics may be adjusted (e.g., in real time) based on the analysis according to changing risk conditions if a driver is following routes that are dissimilar from typical routes.
    Type: Grant
    Filed: March 31, 2022
    Date of Patent: June 20, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Vijay Jayapalan, Michael Kyne, Joel T. Camarano, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Christine Marie Brown
  • Patent number: 11682222
    Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check: displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.
    Type: Grant
    Filed: January 28, 2021
    Date of Patent: June 20, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATES (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 11682289
    Abstract: An electronic device receives operational data indicative of an operational characteristic of a vehicle from a sensor of the electronic device, a sensor of the vehicle, and/or images/videos captured by a camera. The electronic device determines that the vehicle has had a potential incident and a likelihood that the potential incident has actually occurred based on analysis of the operational data. The electronic device also receives risk management data associated with the vehicle from a database, and determines a severity level for the potential incident based on the operational data and the risk management data. The electronic device then sends a notification indicative of the potential incident based on the likelihood that the potential incident has actually occurred and the severity level for the potential incident to a third-party remote system (e.g., of a towing service, an emergency service, or both) to request assistance.
    Type: Grant
    Filed: July 27, 2020
    Date of Patent: June 20, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Samantha Elizabeth Taylor, Yogen Rai, Zachery C. Lake, Rachel Elizabeth Csabi, Hollie Ilene King, Nicholas C. Wheeler, Victor Kwak
  • Patent number: 11673461
    Abstract: Systems and methods described in this disclosure provide methods and systems for automatic deployment of a vehicle covering apparatus to protect the vehicle from environmental conditions such as severe weather.
    Type: Grant
    Filed: October 14, 2021
    Date of Patent: June 13, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Gregory David Hansen, Andre Rene Buentello, Manfred Amann
  • Patent number: 11677682
    Abstract: Systems and methods provide a reactive throttle architecture for managing traffic to shared resources. Such systems and methods define a throttling policy based at least in part on traffic to a resource. The traffic to the resources is directed through one or more logical lanes. A request from a client to access the resource is received, and a permit can be issued to the client to use one or more logical lanes to access the resource in accordance with the throttling policy.
    Type: Grant
    Filed: September 2, 2021
    Date of Patent: June 13, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jason Edwards, Jami Renee Delgadillo, Valeria Rodriguez Garza, Vamshi Mohan Gobburu, Annat Rosenthal, Britton Mims Ware, IV
  • Patent number: 11676150
    Abstract: Various embodiments of the technology described herein alleviate the need to specifically request enrollment information from a user to enroll the user in a passive voice authentication program. The system can receive one or more spoken words from a user. The system can determine that a voice profile is usable for user authentication. The system can select at least one word from the one or more spoken words to enroll the user into a voice authentication program without requiring further interaction from the user. The voice authentication program enables access to secure data in response to receiving the at least one word spoken by the user. After enrollment of the user into the voice authentication program, at least one word spoken by the user is received, and the user is authenticated based on the at least one word.
    Type: Grant
    Filed: September 24, 2021
    Date of Patent: June 13, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Zakery Layne Johnson, Gabriel Carlos Fernandez
  • Patent number: 11676202
    Abstract: An integrated transaction platform facilitates a transaction, such as a purchase of a vehicle or other item. The platform provides a pre-negotiated purchase price for the item to facilitate a transaction to purchase the item from a seller, the transaction being substantially frictionless from the buyer's perspective. The pre-negotiation can involve a reverse auction process in which sellers bid to sell the item to a buyer. After the buyer has identified a particular item for purchase, sellers that have the item available are notified to provide a bid indicating a price at which the seller is willing to sell the item. The lowest bid is selected, and a purchase agreement is finalized based on the lowest bid. After the agreement is finalized, the buyer can accept delivery of the item without further negotiation with the seller, and thus with substantially reduced friction compared to traditional purchase scenarios.
    Type: Grant
    Filed: April 15, 2021
    Date of Patent: June 13, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Brian Latronico, Teresa A. Mays, Claudia Anne Luna, David Anthony Phelps, Kevin W. Thornley, Tracy Lent, James Malcolm Spears
  • Patent number: 11676216
    Abstract: A system and method for automatically detecting a vehicle collision and taking action in response to the vehicle collision is disclosed. The vehicle collision can be detected by analyzing information from sensors onboard a vehicle, in a mobile device disposed within the vehicle or from roadway sensors. When a collision is detected, an insurance provider can automatically open a new insurance claim. The provider may also use sensed information to detect damaged components of a vehicle and provide information about the damaged components to a vehicle repair facility.
    Type: Grant
    Filed: January 28, 2022
    Date of Patent: June 13, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kelly Q. Baker, Sumita T. Jonak, Will Kerns Maney