Patents Assigned to USAA
  • Intelligent call routing using knowledge graphs
    Patent number: 11558509
    Abstract: A system and method for intelligently routing calls between customers and agents. The system and method use knowledge graphs to generate route recommendations for a route selection system. The system uses dynamically selected objective functions to generate the route recommendations. The objective functions may be selected according to the intent of the call. The system and method can also be used to reroute ongoing calls when the intent of the call changes.
    Type: Grant
    Filed: August 27, 2021
    Date of Patent: January 17, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Vijay Jayapalan, Jeffrey David Calusinski
  • Verification of caller identification using application
    Patent number: 11558502
    Abstract: Technology for identifying that a communication is from a verified enterprise includes receiving, by a device associated with a user, a data packet from a phone network. The data packet can be included in a communication to the device, which can have an application configured to verify communications from at least one enterprise. A token within the data packet can be identified by the application, and the application can compare the token to at least one token identifier associated with the at least one enterprise. In response to the token corresponding to at least one token identifier, the application can verify that the communication is from the at least one enterprise. In response to the communication being verified, the application can display a validation image on the device.
    Type: Grant
    Filed: June 23, 2020
    Date of Patent: January 17, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: Michael W. Howell
  • Automous vehicle barricade
    Patent number: 11556134
    Abstract: Methods and systems for deploying autonomous vehicles to form a barricade in a coordinated response to an imminent threat are described. In one embodiment, a method for deploying autonomous vehicles to form a barricade is described. The method includes determining at least one location for a barricade and determining a plurality of autonomous vehicles that are available to form the barricade. The method also includes sending instructions to the plurality of autonomous vehicles to form the barricade at the at least one location. In response to the instructions, the plurality of autonomous vehicles are configured to move to the at least one location and form the barricade.
    Type: Grant
    Filed: November 24, 2020
    Date of Patent: January 17, 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
  • Call routing methods and systems
    Patent number: 11558510
    Abstract: A system can route calls based on a minimum expected delay, classification, and priority of the call. In some embodiments, when a call is received, the call is classified and prioritized within the classification. A minimum expected delay time is determined. Based on the minimum expected delay time, the classification, and the prioritization, the call is routed to a representative with instructions on how the call should be treated.
    Type: Grant
    Filed: April 13, 2021
    Date of Patent: January 17, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Peter H. McKenna, Darrius M. Jones, Kory Michael Upton, Enrique Tamayo, Allen J. Guidry, Julio Estevez-Breton
  • Data protection systems
    Patent number: 11550954
    Abstract: Corporate information technology (IT) networks can protect sensitive data sent to computers located outside of the corporate IT network. For example, a computer located outside of the corporate IT network may receive a message that instructs the computer to operate in a data protection mode in which the computer reduces a frame rate of a monitor of the computer from a first frame rate to a lower second frame rate. In this example, the computer receives sensitive information that includes sensitive visual content to be displayed on the monitor and displays the sensitive visual content on the monitor configured to operate at the second frame rate.
    Type: Grant
    Filed: October 29, 2020
    Date of Patent: January 10, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Sumita T. Jonak, Pooja Krishnaswamy, Christopher Russell, Gabriel Carlos Fernandez, Joel S. Hartshorn, Thomas Wayne Schwarz, Jr.
  • Smart engine risk assessments
    Patent number: 11551310
    Abstract: Systems, methods, and computer-readable medium storing instructions can be used to predict insurance information. One of the methods includes obtaining information about an insured entity. The method includes providing the information to a machine learning system, the machine learning system trained to provide insurance information based on the provided information. The method includes in response to providing the information, receiving a prediction of the insurance information. The method also includes adjusting an insurance premium based on the prediction.
    Type: Grant
    Filed: June 10, 2021
    Date of Patent: January 10, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ameer Noorani
  • System and method for access control
    Patent number: 11544404
    Abstract: The present disclosure relates generally to systems and methods that enable access control for digital objects based on measured physiological signals of a user. A method of operation of a human mind interface (HMI) system includes measuring, via a physiological sensor of a HMI device, a brain pattern of a user while the user retrieves a digital object after training. The method includes identifying, via a processor of the HMI device, the measured brain pattern stored in a memory of the HMI device, and determining, via the processor, the digital object stored in the memory that is associated with the identified brain pattern. The method includes accessing, via the processor, the digital object and retrieving information contained in the digital object and providing, via the processor of the HMI device, the information contained in the digital object to a recipient on behalf of the user.
    Type: Grant
    Filed: November 9, 2020
    Date of Patent: January 3, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kevin Glynn Paterson, Jordan A. Newmark
  • Systems and methods for cross-channel communication management
    Patent number: 11544719
    Abstract: Disclosed herein are systems and methods capable of establishing a communication session between a customer and an analyst. The contents of the communication session are analyzed to make recommendations of goods and services to the customer. Otherwise, the communication session may be redirected from one channel, for example, chatting to another channel, for example, voice call, to another analyst. The customer's information and the communication session details are retained, and provided to another analyst before the customer is redirected. Such systems, apparatuses, methods, and computer program products use real-time machine learning scoring algorithm to determine which analyst the customers should be transferred to, and thereby saving a lot of time for both the analysts and the customers, and significantly reduce misroutes by eliminating human errors.
    Type: Grant
    Filed: August 31, 2018
    Date of Patent: January 3, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Yuibi Fujimoto, Michael James Waldmeier, Gage Robert Lynch
  • System and method for storefront bank deposits
    Patent number: 11544682
    Abstract: A method and system are disclosed for submitting financial instruments, cash and other value bearing documents for deposit at retail locations unaffiliated with the various financial institutions the deposits are directed to. The method includes identifying account holders and scanning the physical documents to be deposited with equipment at the retail location that is provided by a third party facilitator. The equipment at the retail location communicates with a third party facilitator system to lookup bank routing information and uses this information to complete a remote deposit transaction for the account holder with that account holder's particular financial institution. The system may include a standalone or distributed system having a memory in communication with a processor system configured to perform the method noted above.
    Type: Grant
    Filed: July 31, 2020
    Date of Patent: January 3, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventor: Bharat Prasad
  • Fraud detection using augmented analytics
    Patent number: 11544713
    Abstract: Systems and methods ingest extensive data regarding real-time transactions to determine correlation between a variety of parameters and possible fraud events. Possible fraud can be predicted, and notifications delivered to a fraud team. Correlations can be discovered using unsupervised machine learning, and particular systems and methods can utilize natural language processing to both receive and provide information concerning fraud risk and countermeasures.
    Type: Grant
    Filed: September 30, 2020
    Date of Patent: January 3, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Gregory D. Hansen, Andre R. Buentello, Ashley R. Philbrick, Jose L. Romero, Jr., Reynaldo Medina, III, Curtis M. Bell, Yevgeniy Khmelev, Stacy C. Huggar, Ruthie Lyle, Victor Kwak, Jon D. McEachron
  • Point of sale mapping systems
    Patent number: 11544766
    Abstract: A system includes one or more point of sale systems and processing circuitry. The processing circuitry is configured to receive purchase data for a plurality of purchases made by a purchaser via the one or more point of sale systems over a time period, wherein the purchase data includes an identifier of the purchaser, a timestamp, and a type of good. The processing circuitry is configured to determine a frequency with which the purchaser purchased a type of good over the time period based on the purchase data, determine a target time at which the purchaser should next purchase the type of good based on the purchase data and the frequency, and instruct output of a notification in response to receipt of an indication that the purchaser is attempting to purchase the type of good using the one or more point of sale systems prior to the target time.
    Type: Grant
    Filed: June 26, 2020
    Date of Patent: January 3, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Reynaldo Medina, III, William Preston Culbertson, II, Susan Elizabeth Wright
  • Automated inspection system and method
    Patent number: 11546507
    Abstract: A system and method that guides a user to record initial and final walkthrough videos, along with audio, of their rental property is disclosed. The embodiments also provide a system that can scan a lease for the rental property, as well as audio from a user's narration of the video, and extract and tag particular features of the video for efficient querying at a later time. The system can interpret portions of the lease that are relevant to particular items or components in the apartment (for example, major appliances) and guide the user to perform a comprehensive inspection of the items mentioned in the lease.
    Type: Grant
    Filed: August 31, 2021
    Date of Patent: January 3, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Geoffrey Lee Gerber, Scott Evan Daly, Danielle Elise Marie Vanica, Martie Ann Gutshall Kelley, Scott Michael Camarena, Harold Joy Ridley, Matthew Ray Bartee, Logan Thomas Davis
  • Digital camera processing system
    Patent number: 11544944
    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 10, 2019
    Date of Patent: January 3, 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
  • Secure data communication using Elliptic-curve Diffie-Hellman (ECDHE) key agreement
    Patent number: 11546156
    Abstract: The present embodiments relate to establishing secure data communication using an Elliptic-curve Diffie-Hellman ephemeral (ECDHE) key agreement procedure. Devices in a network environment can utilize a key agreement procedure to establish secure communication between multiple application layers in a micro service architecture. Particularly, a tunnel can be established between a mobile device and an encryption service by transmitting key information between the mobile device and the encryption service. This can allow for encryption keys to only be accurately generated by the mobile device and encryption service. Accordingly, intermediary nodes may be unable to decrypt the data, allowing for safe and secure transport of sensitive data.
    Type: Grant
    Filed: May 27, 2020
    Date of Patent: January 3, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jason Paul Hendry, Zachary Curtis Wade, Daniel Thane Davidson, Patrick Joseph O'Neal, Justin Armstrong Leonard
  • Systems and methods for sending and receiving encrypted submessages
    Patent number: 11544397
    Abstract: Systems and methods are provided for sending and receiving encrypted submessages. Messages could be partitioned into a plurality of submessages based on the content of a message, and such submessages could be individually encrypted and sent over a network. The partitioning could be based on various standards and/or heuristics. In the sending process, submessages could be designated to travel over different networks and networks of different types. Such submessages could then be received and reassembled in spite containing overlapping content with respect to each other, having to contend with copies of submessages, and having accompanying related content (e.g., advertisements) and non-related content (e.g., random bits). Moreover, the sending process could also be performed in real time or in a batched manner, depending on the implementation.
    Type: Grant
    Filed: July 16, 2020
    Date of Patent: January 3, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Reynaldo Medina, III, Arthur Smith
  • Digital identification system
    Patent number: 11539703
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to provide digital identification. One of these methods includes comparing the location of a requester of a digital identification to the location of an owner of the digital identification. The method also includes providing information about the digital identification to the requester based at least in part on determining that the requester and the owner are within a predetermined distance.
    Type: Grant
    Filed: December 3, 2020
    Date of Patent: December 27, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Adrian Borunda, Andrew L. Anaruk, Heather Hernandez, Gunjan Vijayvergia, William H. Wright, III, John Shelton, Cory S. Pickrel, Christopher Bess, Minya Liang
  • Financial education tool
    Patent number: 11538103
    Abstract: A system includes one or more processors configured to receive income-related data, receive an input comprising an image that corresponds to a desired acquisition, access at least one database to identify a cost of the desired acquisition, generate a first purchase plan for the desired acquisition based on the income-related data and the cost, graphically augment the image to generate a graphically-augmented version of the image comprising at least a portion of the image and the purchase plan, and display the graphically-augmented version of the image on a device.
    Type: Grant
    Filed: January 29, 2021
    Date of Patent: December 27, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Shawn D. Low, Thirumurugan Thyagarajan, Samuel Steven Wolf
  • Systems and methods for transactions using an ATM/credit/debit card and a second communications channel to an account holder's bank
    Patent number: 11538014
    Abstract: Systems and methods for performing a transaction with a headless point-of-sale or automated teller machine (ATM) device are disclosed using a card having a second communications path to a financial services provider. A card having a display and radio frequency (RF) communications module may be authenticated with a headless point-of-sale device using a short-range RF communications link. Characteristics of the card may be set prior to the transaction. Transaction information may be provided to the display of the card from the headless point-of-sale device. A customer may confirm the transaction at the card using a touch-sensitive input area. During the processing, a communication may be made over the second communications path to authorize the transaction independently of the transaction processing path. A transaction may then be completed at the headless point-of-sale device.
    Type: Grant
    Filed: November 12, 2020
    Date of Patent: December 27, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventor: Christopher Paul Courtright
  • Mechanisms for scheduling outbound calls from call centers
    Patent number: 11539837
    Abstract: Communications channels between systems can be managed such that unnecessary use of the channels is limited. A computer system can initiate a request to establish communications channels between a client device and the computer system. A notification is sent to the client device, which causes the client device to prompt the user to either accept the request or reschedule the requested establishing of the communications channel.
    Type: Grant
    Filed: May 19, 2022
    Date of Patent: December 27, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Robert B. Pace, Jr., Chee Chiang Verzosa Puen, Jr., Oscar Roberto Tijerina
  • Display screen or portion thereof with a payday forecast graphical user interface
    Patent number: D974409
    Type: Grant
    Filed: December 16, 2020
    Date of Patent: January 3, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Richard R. Rohrbough, Paul LaFleur, Emily Eaton, Joseph Wall, Nathan J. Rowe, Gualberto Camacho, Melisa Izaguirre