Patents Assigned to USAA
  • Patent number: 11648461
    Abstract: A system, method and apparatus for capturing data from a plurality of users for providing online gameplay based on captured user sensor data. User sensor data is captured from a plurality of sensor capture devices relative to an associated user so as to be transmitted to a gameplay server. The gameplay server executes instructions to generate a user interface on a user's client computing device for providing gameplay on each user client portable computing device utilizing, and pertinent to, the captured sensor data.
    Type: Grant
    Filed: June 24, 2021
    Date of Patent: May 16, 2023
    Assignee: United Services Automobile Association (“USAA”)
    Inventors: Bharat Prasad, Christine Marie Brown, Rod Gonzales, Jodi Jean Healy
  • Patent number: 11645494
    Abstract: Embodiments described herein disclose methods and systems for using more than one Recurrent Neural Network (RNN) to analyze a user input and to predict a request being made by the user as the user is inputting the request. In an embodiment, a first RNN and a second RNN can simultaneously or near simultaneously process the user requested information by separating and analyzing the characters and words in the user's request. A third RNN can process the output vectors generated by the first and second RNNs to identify one or more solutions that predict the user's request.
    Type: Grant
    Filed: September 15, 2021
    Date of Patent: May 9, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Brandon Scott Kotara, Gunjan Chandraprakash Vijayvergia, Jon Eric Weissenburger, Ben Hawkins
  • Patent number: 11647044
    Abstract: An applet may be downloaded or provided to a web browser when a user visits a site in order to protect data input by the user from being captured by malicious software, such as key loggers. The applet may present a user input field in the web browser and may generate a random sequence of low-level key stroke or mouse click events within the input field when the user enters information, such as a username and/or password. A listening key logger will receive a large amount of random data, whereas the applet will receive and buffer the actual user data that may be communicated to a remote site access by the user.
    Type: Grant
    Filed: August 25, 2020
    Date of Patent: May 9, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Teddy Joseph Edmond Voutour, Michael Frank Morris
  • Patent number: 11646015
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media for summarizing a call. One of the methods includes generating text corresponding to processing audio produced during an interaction between two participants by executing natural language processing logic. The method includes identifying one or more topics by providing the generated text to a machine learning system, the machine learning system trained to identify topics based on text. The method also includes generating a summary of the interaction based on the one or more topics and the text.
    Type: Grant
    Filed: July 13, 2021
    Date of Patent: May 9, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Karl Erickson, David James Karle, Elizabeth Ann Guerrero, Andrew Hunter Davisson, Chelsea-Nicole Verzosa Mojica, Kinkel Rowan, Alexandria Yvonne Carlton, Christie Morales Ramirez
  • Patent number: 11641424
    Abstract: Systems and methods are provided for dynamic routing of an automated telephony system. The automated telephony system facilitates functions desired by a caller, via an automated call with the caller. A machine-learning analysis system extracts data from the automated call, performs machine-learning via the extracted data to identify a likely motivation of the caller associated with the automated call, and provides the likely motivation to the automated telephony system. The automated telephony system then receive the likely motivation from the machine-learning analysis system and dynamically routes the automated call based upon the likely motivation.
    Type: Grant
    Filed: August 25, 2020
    Date of Patent: May 2, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Rachel Elizabeth Csabi, Hollie Ilene King, Victor Kwak, Zachery C. Lake, Yogen Rai, Samantha Elizabeth Taylor, Nicholas C. Wheeler
  • Patent number: 11637930
    Abstract: Call routing technology can route a current call from a person based on an analysis of call data related to a prior call from the same person. For example, based at least on a customer satisfaction score determined from call data related to a prior call, a call routing server can identify one or more persons to whom a current call from the same person should be routed. Next, the call routing server can route the current call to one of the identified customer service representatives.
    Type: Grant
    Filed: April 20, 2022
    Date of Patent: April 25, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Samantha Sprague, Kelly Condon, Merrill Madsen, Austin Jenkins, Mark Cook, Conor Wroble
  • Patent number: 11637801
    Abstract: The present embodiments relate to identifying a user on an external platform as a client of an entity and managing interactions with the user. An input provided by the user on an external platform can be parsed to derive user-specific social media data for the user. The user-specific social media data can be compared with client information maintained in a client database and a harvested social media database to identify the user as a client. A verification message can be sent to the user via a messaging application of the external platform to receive semi-private client data and verify the identity of the user. A response can be generated for the user based on client information. The response to the user can include a link to a secure messaging application to enable secure data communication between the user and the client.
    Type: Grant
    Filed: June 30, 2020
    Date of Patent: April 25, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Shanna Ruth Limas, Natalya Lohinova Jeffords
  • Patent number: 11632467
    Abstract: Disclosed is a precision queuing (PQ) system that automatically and dynamically revises the values of precision queue step rules (PQSRs) with customizable thresholds based on current contact center conditions such as varying hours of operation and number of agents available.
    Type: Grant
    Filed: August 6, 2021
    Date of Patent: April 18, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: Joseph Reed Lewis
  • Patent number: 11631068
    Abstract: Image processing techniques can be used to determine whether a person has installed an unauthorized device on or in a kiosk. For example, an image processing server can determine whether a person's hand(s) are engaging in abnormal behavior by obtaining recorded images of the person's hand(s) that extend towards the kiosk to perform an action, and by comparing the information in the recorded images with a set of previously known information about other persons' hands that are similarly extended towards the kiosk.
    Type: Grant
    Filed: February 24, 2020
    Date of Patent: April 18, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Emily Kathleen Krebs, Stacy Callaway Huggar, Jeffrey Neal Pollack, Yevgeniy Viatcheslavovich Khmelev, Mark Anthony Lopez, Ryan Thomas Russell
  • Patent number: 11631140
    Abstract: Apparatus and methods to process vehicle or driver behavior data are described herein. In particular, systems and methods can be configured to receive vehicle behavior data measuring at least a driving behavior; calculate, in response to receiving the vehicle behavior data, a quantitative measure of probable liability associated with the vehicle behavior data; determine, by a premium calculating engine, a premium for a vehicle insurance policy covering a vehicle associated with the vehicle behavior data; and offer the vehicle insurance policy to an owner of the vehicle.
    Type: Grant
    Filed: February 8, 2021
    Date of Patent: April 18, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: John Chandler Hopkins
  • Patent number: 11625772
    Abstract: A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. The system can retrieve real time enriched transaction data to calculate account summary information, including current account balances and projected future account balances. The system can also be used to provide real time notifications to customers using enriched transaction data.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: April 11, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jason Paul Hendry, Rodney Kalich, Randall Martin Brandt, Marco Aldo Jimenez, David Perry
  • Patent number: 11625781
    Abstract: A method may include receiving image data representative of cash acquired via one or more image sensors, identifying a first currency depicted in the cash based on a plurality of images associated with a plurality of currencies, and determining a currency conversion rate between the first currency and a second currency. The method may also include generating a visualization representative of a currency value of the cash in the second currency based on the currency conversion rate and overlaying the visualization on the image data.
    Type: Grant
    Filed: August 2, 2021
    Date of Patent: April 11, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Carlos JP Chavez, David Jason Anderson James, Rachel Elizabeth Csabi, Quian Jones, Andrea Marie Richardson
  • Patent number: 11625788
    Abstract: The present disclosure introduces systems and methods to evaluate application data. A computer system to evaluate application data is described. In one embodiment, a data module may be used to receive application data and validate the application data against at least one secondary data source. A predictive modeling module may be used to model the application data by applying predictive analytics. Further, a confidence level module may be used to calculate a confidence level factor and at least one aggregate degree of confidence level to evaluate an application. Other embodiments are also described.
    Type: Grant
    Filed: February 28, 2018
    Date of Patent: April 11, 2023
    Assignee: United Services Automobile Association (“USAA”)
    Inventors: Erika Garza, Troy Avon Brocker, Mark Ginther
  • Patent number: 11627216
    Abstract: A system and method for disabling distracting apps on a driver's personal devices while allowing passengers travelling in the same vehicle to have full use of their personal devices. The system works by first identifying all the personal devices that are in the vehicle and then establishing a loose mesh network between those devices. Once the mesh network is established, the system identifies which of the personal devices is associated with the driver, and ensures that any distracting apps on the driver's personal device are disabled, while allowing full functionality for any passenger's personal devices.
    Type: Grant
    Filed: May 4, 2022
    Date of Patent: April 11, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: Christopher M. Russell
  • Patent number: 11625556
    Abstract: Techniques are described for training a learning machine. One of these methods includes tracking interactions between a customer and customer service agents. The method includes generating a training set based on the tracked interactions. The method also includes generating a trained learning machine comprising training a learning machine using the training set.
    Type: Grant
    Filed: November 12, 2020
    Date of Patent: April 11, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Joseph Gaeta, Christina N. Nickel, Shane Steinert
  • Patent number: 11625460
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for interconnecting devices. One of the methods includes authenticating, by a security platform, a user. The method includes generating, by the security platform, an authentication token for the user. The method includes receiving a selection of an IoT application by the user, the IoT application configured to control an IoT device. The method includes providing, by the security platform, the authentication token to the IoT application to authenticate the user with the selected application. The method also includes providing, by the selected application, control of the IoT device to the user.
    Type: Grant
    Filed: December 20, 2021
    Date of Patent: April 11, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Thomas Bret Buckingham, James Karras, John Shelton, Michael Wayne Lester, Bharat Prasad, James Eric McCarty, Gabriel C. Fernandez, Debra Randall Casillas, Sudarshan Rangarajan, Christopher Thomas Wilkinson
  • Patent number: 11626001
    Abstract: The disclosed wearable device systems include several features for alerting and guiding persons who are approaching or near to potentially hazardous or high-risk conditions in their nearby environment. Sensor data from wearable devices (also referred to herein as “wearables”) are used to determine the presence of various unsafe environmental conditions and phenomenon, including dangerous terrain or other unusual conditions. The wearable would be used to warn a person, for example via auditory or haptic-based feedback, if the person is about to encounter an unsafe condition. In particular, the proposed systems can be of great benefit to the visually impaired, those persons with physical disabilities, or persons otherwise vulnerable to particular environmental conditions.
    Type: Grant
    Filed: July 28, 2021
    Date of Patent: April 11, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Yevgeniy Viatcheslavovich Khmelev, Christopher Russell, Gregory David Hansen, Nathan Lee Post, Ashley Raine Philbrick, Nolan Serrao, Ruthie D. Lyle, Pooja Krishnaswamy, Noemy Diosdado
  • Patent number: 11625770
    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: July 2, 2018
    Date of Patent: April 11, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (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: 11620716
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for providing an estimate of cost of a claim to a homeowner. One of the methods includes receiving information about damage to a home of a homeowner. The method includes retrieving a home insurance policy associated with the homeowner and home insurance claims that have been submitted by other homeowners. The method also includes analyzing the information about the damage, the home insurance policy, and the home insurance claims to determine an estimate of cost of a claim that would cover the damage. In addition, the method includes providing the homeowner with the estimate of cost of the claim.
    Type: Grant
    Filed: March 2, 2021
    Date of Patent: April 4, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Cory Matheson, Ramsey Devereaux, Elliott William Kehoe, Kristina Tomasetti, Angelica Nichole White
  • Patent number: 11621882
    Abstract: Aspects of the present disclosure are directed to an automated remediation system that can receive service level objective (SLO) alerts or notifications and, based on the type, take automated remedial actions. The automated remediation system can perform automated responses to various SLO alerts such as latency alerts, error budget alerts, burn rate alerts, etc. The automated remediation system can utilize a mapping to select which automated response to perform; can measure the effectiveness of the automated response using a metric defined for the alert type; and, until the issue is resolved or no further actions are mapped to the alert type, can repeat the initial automated response or can take secondary automated responses. The automated remediation system can also report the alert and the remedial actions taken.
    Type: Grant
    Filed: January 28, 2022
    Date of Patent: April 4, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher Thomas Wilkinson, Robert L. Johnson