Patents Assigned to USAA
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Patent number: 11678169Abstract: A conditions monitoring system may include a system controller. The controller may include a device processor and a non-transitory computer readable medium. The computer readable medium may include instructions executable by the device processor to perform the following steps: receiving positional data from a plurality of wearable devices of a plurality of associated wearers; receiving physical data regarding the wearers from the wearable devices; making a determination of a possible dangerous environmental condition based on the data received from the wearable devices, including the positional data and the physical data; and providing instructions to the wearable devices for the wearers to follow to avoid danger related to the dangerous environmental condition.Type: GrantFiled: December 27, 2021Date of Patent: June 13, 2023Assignee: 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
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Patent number: 11675197Abstract: Systems and methods for auto-calibrating a virtual reality (VR) or augmented reality (AR) head-mounted display to a given user with a refractive condition without adding corrective lenses to optical elements of the head-mounted display and without requiring subjective refraction procedures. A method comprises projecting a grid onto an eye of a user using a light source of a head-mounted display worn by the user, capturing the grid as-reflected from the eye using a camera of the head-mounted display, determining a pattern of a reflection of the grid based on the grid as-reflected, generating an aberration map based on a difference between the pattern as-reflected and the grid as-projected, and determining a correction to apply to at least one viewing lens of the head-mounted display worn by the user based on the aberration map.Type: GrantFiled: May 2, 2022Date of Patent: June 13, 2023Assignee: United Services Automobile Association (USAA)Inventor: Amanda D. Fernandez
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Patent number: 11677870Abstract: Methods and systems for multiple channel authentication are described. In one embodiment, a request for an interaction is initiated from within a mobile application. The request may include authentication information and contextual information relating to a current exchange between the mobile application and an organization. The user may be authenticated with the authentication information and the request may be routed to a representative based on the contextual information to continue the exchange.Type: GrantFiled: February 24, 2021Date of Patent: June 13, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Anthony Scott Farnsworth, Zakery Layne Johnson, Joshua S. Kerr, Eric Smith, Charles Lee Oakes, III, Thomas Bret Buckingham, Maland Keith Mortensen, John Raymond Harris, Joshua Samuel Leonard, Vijay Jayapalan, Minya Liang, Justin Dax Haslam, Robert Barner, Ross Andrew Thiele
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Patent number: 11676147Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.Type: GrantFiled: March 17, 2021Date of Patent: June 13, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Jeffrey Walton Easley, Melanie Lynn Thompson, Brian Hurtak, Patrick Lugo
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Patent number: 11678142Abstract: A computing device establishes communication with a financial institution communication device, and receives an instruction for a user to perform an action to authenticate the user. The action includes providing user-provided data indicative of a location. The computing device determines first location information based on the user-provided data. The computing device also determines second location information using a location sensor. The computing device authenticates the used based on determining that the first location information correlates to the second location information.Type: GrantFiled: August 26, 2020Date of Patent: June 13, 2023Assignee: 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
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Patent number: 11676285Abstract: An image of a check is captured by an imaging device and a digital image of the check on a replacement background may be created. The check may be placed on any background while the image of the check is being captured. The replacement background replaces, in the digital image, the background that the check is placed on while its image is being captured. The replacement background may comprise a predetermined image or color(s). The image of the check and the replacement background may be provided into a digital image file that may be transmitted to an institution system for deposit of the check into an account.Type: GrantFiled: May 6, 2021Date of Patent: June 13, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Thomas Aaron Backlund, Kathleen Kimberly Cadenhead, Blake William McAnally, Eron Washington
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Patent number: 11676195Abstract: Embodiments described herein disclose methods and systems for managing a digital reputation of a user. The exemplary method can receive information about an item to be purchased by the user, determine in real-time or near real-time, based on one or more financial factors, a first digital reputation score indicative of an effect of the item on the user's digital reputation, determine an alternative item to be purchased instead of the item to be purchased, and determine a second digital reputation score based on the purchase of the alternative item.Type: GrantFiled: February 23, 2021Date of Patent: June 13, 2023Assignee: United Services Automobile Association (USAA)Inventors: Jennifer Hunt Erickson, Bharat Prasad, Snehal Desai
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Patent number: 11674891Abstract: Systems and methods of the present disclosure include at least one building component detection sensor device configured to be deployed within (or proximate to) a building comprised of a plurality of building components. The at least one building component detection sensor device is configured to detect data relating to at least one building component of the plurality of building components. In addition, a building component property determination system includes a processor configured to execute instructions stored in memory to determine one or more properties of the at least one building component based at least in part on the data detected by the at least one building component detection sensor device.Type: GrantFiled: August 11, 2021Date of Patent: June 13, 2023Assignee: 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, Michael J. Maciolek, Bobby Lawrence Mohs, Brian F. Shipley, Justin Dax Haslam, Ashley Raine Philbrick, Yevgeniy Viatcheslavovich Khmelev, Oscar Guerra, Jeffrey Neal Pollack, Janelle Denice Dziuk, Ryan Thomas Russell, David Patrick Dixon
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Patent number: 11669136Abstract: Disclosed herein are methods and systems enabling automatic powering on and off of a computer of a user when the user is within a predetermined range from the computer. When there is a startup error detected during the remote powering on process of the computer, an alert is generated and automatically transmitted to an analyst computer to resolve the startup error. The disclosed systems and methods save a lot of time for the user each day as the user does not have to wait for execution of computer startup processes and the computer is ready to use when the user arrives at a location of their computer.Type: GrantFiled: July 13, 2021Date of Patent: June 6, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Adalberto Ruiz, III, Heidi Jane Swanson
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Patent number: 11669908Abstract: Methods and systems for configuring non-contemporaneous analytics. An application is received from a consumer for a life insurance policy. An indication is sent to the consumer agreeing to activate the life insurance policy upon receipt of a notification of an activation trigger. An activation trigger is received and the policy is activated.Type: GrantFiled: November 8, 2019Date of Patent: June 6, 2023Assignee: United Services Automobile Association (USAA)Inventors: William S. White, Jeremy S. May, Matthew J. Kosub, Sean W. Bell, Greg A. Riedel
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Patent number: 11669909Abstract: Vehicle inspection systems and methods are disclosed. A system disclosed includes a drone vehicle configured to fly in a vicinity of the damaged vehicle at an accident scene. The drone includes at least one camera for taking imagery of the damaged vehicle at an accident scene in support of a damage assessment and a frame coupling the drone vehicle and the at least one camera. A computing device is in communication with the at least one camera to receive the imagery from the at least one camera for purposes of damage assessment.Type: GrantFiled: August 18, 2020Date of Patent: June 6, 2023Assignee: United Services Automobile Association (USAA)Inventors: John C. Hopkins, William J. Cunningham, David P. Dixon
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Patent number: 11670155Abstract: Systems and methods of the present disclosure include a vehicle water detection system that includes a housing configured to be disposed within a vehicle. The vehicle water detection system also includes a water-activated battery disposed within the housing and configured to produce an electrical voltage upon contact with water. The vehicle water detection system further includes an electronic circuitry disposed within the housing and configured to detect a water event occurring in the vehicle based at least in part on the electrical voltage.Type: GrantFiled: May 4, 2022Date of Patent: June 6, 2023Assignee: United Services Automobile Association (USAA)Inventors: Stefanie Jean Acosta, Carlos JP Chavez, Janelle Denice Dziuk, Michael Joseph Gaeta, Stacy Callaway Huggar, Emily Kathleen Krebs, Jeffrey Neal Pollack, Mitzi Ruiz
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Patent number: 11671535Abstract: Systems, methods, and computer program products provide a digital twin of a call center or call center network, including the members, representatives, and algorithms therein. The digital twin can be used to model real-world call centers and call center networks or may be modified to test changes (in the center/network's control such as algorithms or representative staffing, or beyond the center network's controls such as callers) before they are implemented in real-world production environments. Call loads, which may be based on real call loads or generated differently, can be used to test current or contemplated call center/network arrangements. The digital twin can be validated through comparison with data received from the real-world call center(s)/network(s) it models.Type: GrantFiled: February 10, 2021Date of Patent: June 6, 2023Assignee: United Services Automobile Association (USAA)Inventors: Lambros Petropoulos, John Michael Lombard, Atesmachew Bizuwerk Hailegiorgis
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Patent number: 11669827Abstract: A location verification provision is implemented to determine the location of a device associated with a user at the time of an attempted transaction. The attempted transaction includes receiving user identification and/or payment information, which is associated with the device in an entry stored in a database. Location information of the device, as well as a time at each location, may also be stored in the database. To verify that the device is located at the location of the transaction, a comparison operation may be performed. If the device is located where the transaction is being processed, the transaction may be completed. Predetermined criteria may be defined to account for possible inaccuracies in location and time calculations.Type: GrantFiled: June 30, 2021Date of Patent: June 6, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventor: Steven Dale Zettner
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Patent number: 11670171Abstract: A system for preventing collisions between users of the system. The system includes a central processing server receiving first path information relating to a first user and second path information relating to a second user. The central processing server determines a projected path of each user. The central processing server compares the projected paths identifies points of intersection, which are locations that put the users at risk of a collision. The central processing server sends navigation directions to avoid the collision to the first user.Type: GrantFiled: June 14, 2022Date of Patent: June 6, 2023Assignee: United Services Automobile Association (USAA)Inventors: Andre Rene Buentello, Gregory David Hansen, Jose L. Romero, Jr.
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Patent number: 11667382Abstract: This disclosure relates to utilizing unmanned vehicles for insurance claim processing. For example, a UAV may be directed to proceed to a target location, which obstructions to avoid and how to avoid them, and what data needs to be gathered about the target. Thus, one or more embodiments described herein relate to navigating to a target location based on receiving a first location of the vehicle and a second location of the target, avoiding obstructions, gathering data about a structure at the target, and initiating an insurance claim.Type: GrantFiled: January 17, 2020Date of Patent: June 6, 2023Assignee: United Services Automobile Association (USAA)Inventor: Jordan Newmark
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Patent number: 11669845Abstract: Systems and methods aggregate financial product pricing information. In response to a request, systems and methods receive first company financial product pricing information, pre-fill data associated with the request to a web page of the second company, and scrape the web page of the second company to extract the financial product pricing information of the second company using the data aggregation tool after the web page of the second company returns the financial product pricing information. This information is presented to the user.Type: GrantFiled: March 13, 2020Date of Patent: June 6, 2023Assignee: United Services Automobile Association (USAA)Inventors: Charles Lee Oakes, III, Rickey Dale Burks, Reynaldo Medina, III
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Patent number: 11671440Abstract: The present disclosure relates generally to improved systems and methods for ensuring continued network security in a data network. More specifically, present embodiments are directed to detecting and responding to the failure of a security detection module employed for network security in the data network. A detection failure monitoring system may detect that a security detection module has failed by executing a number of test cases simulating conditions that should be flagged by the security detection module. To that end, when the detection failure monitoring system determines that a security detection module did not flag a condition produced by an executed test case, the detection failure monitoring system may implement a response to address the failed security detection module. Accordingly, the systems and techniques provided herein may maintain network security with improved granularity and robustness.Type: GrantFiled: August 26, 2020Date of Patent: June 6, 2023Assignee: United Services Automobile Association (USAA)Inventors: Robert Jason Neel, Neelsen Cyrus
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Patent number: 11669844Abstract: Disclosed herein are systems and methods executing a server that perform various processes for generating alerts containing various data fields indicating threats of fraud or attempts to penetrate an enterprise network. Analyst computers may query and fetch alerts from a database, and then present the alerts to be addressed by an analyst according to the priority level of the respective alerts.Type: GrantFiled: November 19, 2020Date of Patent: June 6, 2023Assignee: United Services Automobile Association (USAA)Inventors: Jansey Comeaux, Stephen Bradley Daughdrill, Gregory Sansone, Veronica Santiago
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Patent number: 11663353Abstract: A system includes a server configured to store a plurality of imagery configured to be presented in an email template on an electronic device. The server is configured to receive a request to retrieve an imagery of the plurality of imagery for use in the email template. The system also includes a controller configured to perform operations that include monitoring information associated with the request, comparing monitored information associated with the request with expected information associated with the request, and determining unauthorized usage of the email template based on a mismatch between the monitored information and the expected information.Type: GrantFiled: May 11, 2021Date of Patent: May 30, 2023Assignee: United Services Automobile Association (USAA)Inventor: Christopher Thomas Wilkinson