Patents Assigned to USAA
  • Patent number: 11596818
    Abstract: A system for dispensing flame retardant foam on the exterior of a structure. The structure has an opening that enables distribution of flame retardant foam onto the roof. The system includes a foam distribution system having a foam expansion chamber and a roof plenum for delivery through the roof opening. Foam solution and compressed air are combined in a conduit and supplied to the foam expansion chamber. The structure may have at least one wall. In that case, the system may have a wall plenum for delivery of flame retardant foam from the foam expansion chamber through a first wall-associated opening. Each such wall will have an opening associated with the wall that enables distribution of flame retardant foam onto that wall.
    Type: Grant
    Filed: May 29, 2020
    Date of Patent: March 7, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Emily Margaret Gray, Brian Francisco Shipley, Justin Dax Haslam, Robert Wiseman Simpson, Donnette Moncrief Brown, Eric David Schroeder, Michael J. Maciolek, Bobby Lawrence Mohs, Manfred Amann, Rochelle Ann Tijerina, Meredith Beveridge, Jess W. Gingrich
  • Patent number: 11599756
    Abstract: A flexible chip card such as a credit card or a debit card that incorporates a protective layer that precludes unauthorized access to the chip in the chip card. The protective layer is a highly conductive layer that shields the chip and prevents electromagnetic waves that may be emitted by an illicit device from accessing the chip. This protective layer thus prevents any unauthorized persons from obtaining confidential information from the chip card that may then be used to consummate fraudulent transactions or conduct other illicit activities. In one embodiment, the flexible chip card includes one or more stiffening structures to provide rigidity to the chip card.
    Type: Grant
    Filed: October 20, 2021
    Date of Patent: March 7, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Robert Lee Black, Matthew Ryan Santacroce, Andre Rene Buentello, Jose L. Romero, Jr., Timothy Blair Chalmers, Samip Dilip Mehra
  • Patent number: 11601550
    Abstract: Methods and systems described in this disclosure allow customers to personalize their phone experience when calling into an organization. In some embodiments, customers who may benefit from this service are identified based on the content of the customer's previous or current phone calls to the organization. The identified customers may be invited to enroll and to provide preferences for a customized Interactive Voice Response experience. In some embodiments, the customer can elect to hear the balances of one or more of his accounts without going through a phone menu or asking a representative to look up the relevant amounts. Once enrolled, when the customer dials into the organization and upon successful authentication, the organization proactively states the customer's account balances with no further customer request.
    Type: Grant
    Filed: December 2, 2021
    Date of Patent: March 7, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Patricio H. Garcia, Amanda Jean Segovia, Hector J. Castillo, Janeen Rubio, Robert Craig Korom, Roy David McDonald
  • Patent number: 11592309
    Abstract: Methods and systems for distributed detection of road conditions and damage are described. In one embodiment, a method for distributed detection of road conditions and damage is provided. The method includes receiving, from one or more mobile devices, a plurality of reports of anomalies associated with roads in a geographic area. The method also includes storing the received reports of anomalies in a database and comparing each report of an anomaly to stored reports of previous anomalies in the database. The method further includes determining whether each report of an anomaly indicates road damage or a temporary problem. The method includes generating a prioritized list of locations of anomalies associated with one or more roads that have been determined to have road damage that needs maintenance and/or repair.
    Type: Grant
    Filed: January 26, 2021
    Date of Patent: February 28, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ravi Durairaj, Gregory Brian Meyer, Oscar Roberto Tijerina, Sean Carl Mitchem, Stacy Callaway Huggar, Ruthie D. Lyle, Nathan Lee Post, Mark Anthony Lopez, Nolan Serrao
  • Patent number: 11593067
    Abstract: This disclosure describes systems and methods that identify activities for which scripts can be built to perform an activity when requested by a user. The scripts can be voice-activated by a defined customized voice command and can include delivery preferences. The user's identity can be verified by analyzing voice biometrics of the customized voice command. After performance of the activity, results can be delivered to the device in the format indicated in the script.
    Type: Grant
    Filed: November 25, 2020
    Date of Patent: February 28, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charise Renee Whitaker, Michael J. Maciolek
  • Patent number: 11587063
    Abstract: Methods and systems described in this disclosure for protecting one or more consumer accounts. In one implementation, the system includes a security device and a portable computing device. The portable computing device detects whether it is in proximity to the security device. When the portable computing device is in proximity to the security device, one or more consumer accounts associated with the portable computing device is permitted to be used in a transaction. When the portable computing device is not in proximity to the security device, one or more consumer accounts is prevented from being used in the transaction.
    Type: Grant
    Filed: July 5, 2017
    Date of Patent: February 21, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Andre Rene Buentello, David Alexander Lilley
  • Patent number: 11588762
    Abstract: Various embodiments of the present disclosure relate generally to providing virtual assistants. More specifically, various embodiments of the present disclosure relate to methods and systems for providing a simulation-based virtual advisor. In some embodiments, the systems and methods combine and/or integrate the functionality of a conversational virtual agent (e.g., a virtual assistant) with the functionality of a simulation virtual agent, to provide users, customers, or members with targeted, user-specific information in response to questions or other intentions posed by the users via messages exchanged between the users and the agents.
    Type: Grant
    Filed: November 19, 2021
    Date of Patent: February 21, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Robert B. Pace, Jr., Jerome J. Gainer, Jr., Bipin Chadha, Samuel E. Tumlinson, Jose Esteban Deleon, III, Brett Andrew Walker
  • Patent number: 11587037
    Abstract: A system and method for automatically documenting a condition of a property and generating a request for return of a security deposit is described. In one embodiment, a method for automatically documenting a condition of a physical space includes determining an initial condition of one or more inspected elements in a physical space. The method also includes obtaining a current condition of the one or more inspected elements in the physical space. The method includes determining changes between the initial condition and the current condition for each of the one or more inspected elements. The method further includes generating a report documenting the changes of the one or more inspected elements in the physical space.
    Type: Grant
    Filed: December 27, 2019
    Date of Patent: February 21, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Valerie Ann Roth, Charise Renee Whitaker, Oscar Guerra, Ashley Raine Philbrick, Paula Ann Whittington, Kelly Q. Baker, Will Kerns Maney, Jr., Sumita T. Jonak, Pragya Kamal, Ryan Thomas Russell, Joel S. Hartshorn
  • Patent number: 11586657
    Abstract: Implementations of the present disclosure are directed to providing remote access to electronic documents stored in a server system using a virtual secure room, and include actions of authenticating a user at least partially based on credentials the user, at least partially in response to authenticating the user, providing a secure connection between a computing device of the user and the server system, transmitting at least one electronic document for display to the user on the computing device, monitoring the user, while the at least one electronic document is displayed to the user on the computing device, and selectively closing the secure connection in response to one or more of at least one activity and at least one state of the user.
    Type: Grant
    Filed: September 8, 2020
    Date of Patent: February 21, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Thomas Bret Buckingham, Bryan Osterkamp, Orlando Coleman, Brady Justice, Jonathan Neuse, Sean Thomas, Michael Slaugh, Christopher Thomas Wilkinson, Peter Babcock, Justin Ray White, Peter Bradley Sheeran, Angel Ninette Cade
  • Patent number: 11587181
    Abstract: A property damage assessment system may include a drone. The drone may include imaging equipment and a controller. The controller may include a device processor and a non-transitory computer readable medium including instructions executable by the device processor to perform the following steps: receiving imagery data of property from the imaging equipment of the drone; and automatically controlling the drone to obtain additional imagery data of the property based on the received imagery data.
    Type: Grant
    Filed: July 28, 2020
    Date of Patent: February 21, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Nolan Serrao, Minya Liang, Ruthie D. Lyle, Ravi Durairaj, Bharat Prasad
  • Patent number: 11580796
    Abstract: A system and a method for diagnosing a problem with a motor vehicle using sound. Ambient noise information for the motor vehicle is determined. Current sound information is received, and whether there is a variation in sound between the current sound information and the ambient noise information is determined. The ambient noise information is subtracted from the current sound information if the variation has been identified, to identify a sound anomaly. A sound anomaly signal is extracted and compared with predetermined anomaly signal information stored in a database. The predetermined anomaly signal information is associated with diagnostic information.
    Type: Grant
    Filed: September 11, 2020
    Date of Patent: February 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Nathan Lee Post, Carlos J P Chavez, Deborah Janette Schulz, Ashley Raine Philbrick, Eric David Schroeder, Gabriel Carlos Fernandez, Snehal Desai, Rachel Elizabeth Csabi, Ruthie D. Lyle, Courtney St. Martin
  • Patent number: 11580081
    Abstract: A system and method for detecting anomalies in very large datasets is disclosed. The method includes calculating statistics for data elements in a data set over a range of time periods. These statistics are arranged into a 2D array and analyzed using a machine learning algorithm to detect anomalous regions. The method also includes steps of analyzing time series of the data based on detected anomalous regions, correcting any errors in the datasets, and storing the corrected values in a separate database to maintain data integrity.
    Type: Grant
    Filed: October 29, 2020
    Date of Patent: February 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: Fredrick William Rodgers
  • Patent number: 11580855
    Abstract: A system and method for alerting a driver of a motor vehicle or a person walking along a road or hiking on a trail of potentially dangerous hazards in their path. Hazards may be deep water, ice, oil slicks or other hazards. In the case of a motor vehicle, the system uses cameras mounted on or within the vehicle to detect potential hazards and then analyzes the images combined with the known topography of the location to evaluate the ability of the vehicle to safely traverse the hazard. In the case of a person walking or hiking, the person may use the camera on a personal mobile device to capture images of the hazard and to combine the images with the known topography at the location to evaluate the danger presented by the hazard.
    Type: Grant
    Filed: September 3, 2021
    Date of Patent: February 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Andre Rene Buentello, Nina Schuessler, Ashley Raine Philbrick, Stacy Callaway Huggar, Jose L. Romero, Jr.
  • Patent number: 11579633
    Abstract: Methods and systems for automatically deploying an autonomous drone from a vehicle in response to a triggering event or accident so that data associated with the triggering event or accident may be automatically obtained are described. In one embodiment, a method for deploying an autonomous drone in response to a triggering event is described. The method includes providing an autonomous drone in a vehicle. The method also includes detecting a triggering event associated with the vehicle. Upon detection of the triggering event, the method includes automatically deploying the autonomous drone from the vehicle. The method further includes implementing, by the autonomous drone, a plurality of automatic actions, including recording data associated with the vehicle in which the autonomous drone is provided.
    Type: Grant
    Filed: December 19, 2019
    Date of Patent: February 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Justin Dax Haslam, Donnette Moncrief Brown, Eric David Schroeder, Ravi Durairaj, Deborah Janette Schulz
  • Patent number: 11572713
    Abstract: A smart lock box system is described. One implementation of the lock box system includes a locking mechanism configured to securely hold a cover over a compartment. The lock box system includes a receiver capable of receiving signals from a user device. The lock box system also includes a processor configured to identify an access message in a received signal, a service to verify that the access message was provided by an authorized party, and cause the locking mechanism to be released in response to verifying that the access message was provided by the authorized party. The open/close events are recorded in a distributed ledger to document which user's device was used to access a given property at a given time. Furthermore, the smart lock box system utilizes a push notification service, based on user device's GPS, to inform owners when to depart/return to the property.
    Type: Grant
    Filed: November 18, 2021
    Date of Patent: February 7, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Sumita T. Jonak, Tyler Caro, Emily Kathleen Krebs, Maland Keith Mortensen, Gabriel C. Fernandez
  • Patent number: 11574493
    Abstract: Techniques are described for migrating information from a first account to a second account, based on analyzed image(s) of document(s). Image(s) of a document may be generated using an image capture device of a smartphone or other portable computing device. The image(s) may be analyzed, through pattern recognition analysis or barcode scanning, to extract the information from the image(s). The information may then be employed to schedule a transaction, such as payment of a bill described in the information. In some instances, the extracted information may be used as part of an account migration process, in which transactions are migrated from a first account to a second account.
    Type: Grant
    Filed: July 13, 2021
    Date of Patent: February 7, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Justin Sachtleben, Cisco Iguaran, Annette Mumme, Jonathan Dennis Velazquez
  • Patent number: 11568410
    Abstract: A system and method for preventing fraudulent credit card or debit card transactions by coupling a smart phone to the credit card or the debit card, and transmitting identification information from the smart phone to the card. The card is normally disabled such that no transaction may take place unless the card is enabled. The card receives the transmitted identification information and compares that information to corresponding information stored on the card. If the received information matches the stored information, the card is enabled thus allowing the transaction to take place.
    Type: Grant
    Filed: August 20, 2020
    Date of Patent: January 31, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Robert Lee Black, Matthew Ryan Santacroce, Andre Rene Buentello, Jose L. Romero, Jr., Timothy Blair Chalmers, Samip Dilip Mehra
  • Patent number: 11570936
    Abstract: A cooling system configured to remove heat from a chimney of a server cabinet. The system includes a first heat exchanger unit in the chimney of the server cabinet. The first heat exchanger has a fluid inlet for receiving a working fluid and a fluid outlet for discharging the working fluid. The first heat exchanger also has an upstream surface receiving waste heat generated by one or more servers and a downstream surface that discharges air cooled by the first heat exchanger. The upstream surface is generally perpendicular to the downstream surface.
    Type: Grant
    Filed: September 30, 2021
    Date of Patent: January 31, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: John Andrew Weems, Raymond F. Martin
  • Patent number: 11568722
    Abstract: A criminal act detection system may include a device processor; and a non-transitory computer readable medium including instructions executable by the device processor to perform the following steps: receiving data from a plurality of geographically distributed personal electronic devices; determining, based on the data received from the personal electronic devices, that conduct consistent with a criminal act has occurred; and sending information pertaining to the conduct consistent with a criminal act to one or more of the personal electronic devices.
    Type: Grant
    Filed: January 21, 2021
    Date of Patent: January 31, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Edward Manuel Alonzo, III, James A. Wheeler
  • Patent number: 11562332
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: September 19, 2017
    Date of Patent: January 24, 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