Patents Assigned to USAA
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Patent number: 12294593Abstract: Disclosed herein are systems and methods of executing scanning software, such an executable software program or script (e.g., PowerShell script), by a computing device of an enterprise, such as a security server, may instruct the computing device to search all or a subset of computing devices in an enterprise network. The scanning software may identify PowerShell scripts containing particular malware attributes, according to a malicious-code dataset. The computing system executing the scanning software may scan through the identified PowerShell scripts to identify particular strings, values, or code-portions, and take a remedial action according to the scanning software programming.Type: GrantFiled: January 19, 2024Date of Patent: May 6, 2025Assignee: United Services Automobile Association (USAA)Inventor: Robert Neel
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Patent number: 12291052Abstract: Embodiments are described herein for a teller check that includes enhanced security features. In response to a request from a user, a teller check image is generated using a check template and that includes check information in fields of the check template. The teller check also includes a unique visible pattern or unique visible picture in the image that serves as an enhanced security feature. A captured image or received image of the teller check is able to be verified based on data extracted from the unique visible pattern or unique visible picture.Type: GrantFiled: September 12, 2022Date of Patent: May 6, 2025Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Andre Rene Buentello, Mark Anthony Lopez, Gregory Brian Meyer, Ashley Raine Philbrick, Garrett Rielly Rapport, Jose L. Romero, Jr., Michael Jay Szentes
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Patent number: 12291332Abstract: Unmanned vehicles may be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may accomplish tasks by breaking out into sub-drones, re-grouping itself, changing form, or re-orienting its sensors.Type: GrantFiled: January 22, 2024Date of Patent: May 6, 2025Assignee: United Services Automobile Association (USAA)Inventors: Kade Scott, Snehal Desai, Richard Daniel Graham, Matthew Flachsbart
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Patent number: 12289519Abstract: A package in which an onboard computing system and a plurality of sensor devices are embedded. The package includes a plurality of cameras that are positioned against sidewalls of the package in order to capture image data of the external environment. When the computing system determines the package has arrived at a predesignated set of coordinates corresponding to a target property for which an appraisal is to be performed, the cameras are activated and begin collecting image data. The image data is transmitted to a remote server which will store the image data for review by insurance personnel.Type: GrantFiled: March 30, 2023Date of Patent: April 29, 2025Assignee: United Services Automobile Association (USAA)Inventors: Michael J. Maciolek, Donnette L. Moncrief Brown, Manfred Amann, Timothy Frank Davison, Snehal Desai, Nicole Ferretti, Rachel Michelle Ballew, Chung Shing Sheldon Lee, Martin Lopez, Kelsey Anne O'Brien, Melissa Jane Porter, Sayeef Rahim, Eric David Schroeder, Steven J. Schroeder, Joseph Michael Vesco
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Patent number: 12285868Abstract: Overlapping functions called in robotic process automation scripts may be used to create new efficiencies in an IT infrastructure. For example, the overlaps may be used to identify code modification impact in the IT infrastructure, may be used to remediate duplication of coding efforts across silos in an organization, and may be merged to create new efficiencies in code/script storage and/or sustaining efforts.Type: GrantFiled: February 10, 2022Date of Patent: April 29, 2025Assignee: United Services Automobile Association (USAA)Inventors: Pradeep R. Mangalari, Dustin Bitter, Gregory Meyer, Christopher Russell, Jeanie Graciela Lopez, Carol Lyn Lawrence, Timothy Benjamin Czerlinsky
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Patent number: 12288219Abstract: A computer-implemented method includes receiving, via processing circuitry and from a customer interface device (CID), a customer communication and first authentication data, searching, via the processing circuitry, a database for a customer account corresponding to the customer communication, receiving, at the processing circuitry and from the database, first registered data corresponding to the customer account, and determining, via the processing circuitry, a first security challenge having a first security level category of a plurality of security level categories.Type: GrantFiled: October 7, 2021Date of Patent: April 29, 2025Assignee: United Services Automobile Association (USAA)Inventors: Timothy Blair Chalmers, Ramsey Devereaux, Dwayne Phillip Wilson
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Patent number: 12283813Abstract: A non-transitory computer-readable medium has instructions that, when executed by processing circuitry, are configured to cause the processing circuitry to perform operations that include determining net electric power consumption associated with a first consumer, determining that the net electric power consumption associated with the first consumer is below a threshold level, reducing central electric power distributed from a central electric power source to the first consumer to obtain additional central electric power in response to determining that the net electric power consumption associated with the first consumer is below the threshold level, and distributing the additional central electric power to a second consumer in response to reducing the central electric power distributed to the first consumer.Type: GrantFiled: March 30, 2022Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: Andre Rene Buentello, Dustin Bowen Bitter, Brennen Michael Ricks, Jose L. Romero, Jr.
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Patent number: 12284402Abstract: Systems and methods that can automatically generate synthetic videos depicting alternative scenarios that may be consistent with recorded video. Systems and methods leverage machine learning systems that can generate synthetic video information using autoencoders and generative adversarial networks that have been trained on previous video data. Systems and methods further include a scenario dashboard that allows users of the system to select recorded videos and other settings that serve as inputs, or constraints, on the synthetically generated videos.Type: GrantFiled: August 29, 2022Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: Joel S. Hartshorn, Mark Paxman Warnick, Will Kerns Maney, Jr., Elena Marie Carrasco, Sumita T. Jonak, Ravi Durairaj, Nolan Serrao, Nathan Lee Post
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Patent number: 12282963Abstract: Methods and systems described herein are directed to automatedly generating and issuing accident data gathering recommendations for a vehicle accident occurrence. In response to a recommendation system detecting an occurrence of a vehicle accident, the system can retrieve initial accident data for the occurrence. Using the initial accident data, the system can generate accident data gathering recommendations to obtain additional accident data via mapping to one or more characteristics for the vehicle accident occurrence. The recommendations, when executed, can yield additional accident data that can be compiled with the initial accident data into a vehicle accident evidence package.Type: GrantFiled: February 8, 2022Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: Angelica Nichole White, Sean Carl Mitchem, Sean Michael Wayne Craig, Subhalaskshmi Selvam, Christopher Russell, Brian Howard Katz, Roberto Virgillio Jolliffe
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Patent number: 12282570Abstract: The current embodiments include systems and techniques for sharing information between vendors where the information is siloed due organizational constraints. Vendors that provide services for one entity of an organization may be unknown to another entity within the same organization. The systems and techniques provided herein facilitate sharing of this information of the vendor across various entities in the organization.Type: GrantFiled: March 2, 2022Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: David M. Jones, Jr., Robert Lee Black, Timothy Blair Chalmers, Gideon Bowie Luck, Sumita T. Jonak, Ana Rosa Maldonado, Oscar Roberto Tijerina
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Patent number: 12284187Abstract: A micropattern detection-based method and system of performing an authentication of video of a person in order to authorize access to a secured resource is provided. The user provides image data in which they present a secondary computing device with a specially fabricated screen cover. The screen cover includes a plurality of micro-holes that collectively provide a unique micropattern. When the user adjusts a display setting, the micropattern, previously cloaked, becomes apparent as an arrangement of pinpoints of light. The system and method are configured to evaluate the image data to determine whether the micropattern is present. If a micropattern is present, the system determines the image is authentic and can verify an identity of the person. In some cases, the system can further be configured to automatically grant the person access to one or more services for which they are authorized.Type: GrantFiled: January 27, 2023Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: Brian Francisco Shipley, Brian Tougas, Gideon Bowie Luck, Sean Carl Mitchem, Christopher Russell, Andre Rene Buentello, Jose L. Romero, Jr., David Joaquin Harris
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Patent number: 12282584Abstract: Ways of protecting personally identifiable information stored in an onboard computing system of a vehicle allow improved data security of drivers. The system and method is configured to automatically trigger a deletion or encryption of personal data stored in the motor vehicle in response to an event or other information indicating that the vehicle is outside of the custody of the owner or some other loss of control event.Type: GrantFiled: July 18, 2023Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: Meredith Beveridge, James Stephan Harrison, Sumita T. Jonak
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Patent number: 12279886Abstract: Smart gear, which includes electrically conductive fabric, is provided to monitor health parameters, conduct transactions, and generate power. For example, the smart gear may include one or more sensors coupled to the fabric and/or electrically conductive fibers woven into the fabric. The one or more sensors may monitor health parameters such as breathing patterns, sleep patterns, heart murmurs, and so forth. The smart gear may include one or more wireless regions that power electronic devices based on inductive charging.Type: GrantFiled: February 26, 2021Date of Patent: April 22, 2025Assignee: United Services Automobile Association (USAA)Inventors: Carlos J P Chavez, Andrea Marie Richardson, Janelle Denice Dziuk, Oscar Roberto Tijerina, Valmore M. Smith, Gregory David Hansen, Gregory Brian Meyer, Courtney St. Martin
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Patent number: 12277539Abstract: Systems and methods are provided for making purchases at a merchant point-of-sale (POS) device using a mobile device. Transaction information may be communicated from the POS device to the mobile device and an authorization from the purchaser to proceed with the transaction returned to the POS device from the mobile device. After authorization, the POS device may communicate the transaction information together with an identifier of the mobile device to a financial institution to process payment. The financial institution may confirm the transaction with the purchaser at the mobile device using the identifier of the mobile device. Upon receiving a confirmation response from the mobile device, the financial institution may then transfer funds from a purchaser account to a merchant account.Type: GrantFiled: June 26, 2023Date of Patent: April 15, 2025Assignee: United Services Automobile Association (USAA)Inventors: Barrington Riverton Saint Aloysius Young, Bharat Prasad, Bradly Jay Billman
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Patent number: 12277930Abstract: The present embodiments relate to on demand generation of curated audio content. Responsive to initiation of an electronic communication by a client, audio relating to a client speaking to the operator can be processed to derive a series of insights relating to features of the audio. Previously recorded audio relating to the operator can be combined with a text-based script to generate audio content. The audio content can be modified using the series of derived insights. The modified audio content can include a series of disclaimers that are played back to the client. Generation of the modified audio content can be dynamically generated responsive to detecting a trigger that allows for on-demand generation of the modified audio content.Type: GrantFiled: March 21, 2024Date of Patent: April 15, 2025Assignee: United Services Automobile Association (USAA)Inventors: Ruthie Lyle, Vijay Jayapalan, Gregory B Yarbrough
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Patent number: 12278820Abstract: Various embodiments described herein relate to a call management system that aims to provide a more efficient, secure, and dynamic technique for authenticating a user based on a location of the user. A server of the call management system receives a phone call from a user device. The server transfers the phone call to an analyst device. When the analyst device accepts the phone call, the server starts an electronic communication session between the user device and the analyst device. The server then determines a current location of the user. The server further determines a question for authentication of the user based on the current location. The server transmits the question to the analyst device. The analyst device transmits the question to the user device via the server. In response to an answer received from the user device, the server authenticates the user.Type: GrantFiled: December 19, 2022Date of Patent: April 15, 2025Assignee: United Services Automobile Association (USAA)Inventors: Bryan J. Osterkamp, Ryan Thomas Russell, Jon D. McEachron, Gregory B. Yarbrough, Janelle Denice Dziuk
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Patent number: 12277812Abstract: A technique for assessing a vehicle condition is provided that determines whether damage has occurred to the vehicle using electrical property data acquired by one or more electrical property detection systems disposed on one or more surfaces of the vehicles. The electrical property detection system include a conductive polymer material that changes in response to chemical deformations and/or mechanical deformations in the conductive polymer material, which may result from objects and/or other vehicles damaging the conductive polymer material. Based on the electrical property data, a control system may generate a damage assessment output, such as an alert for a vehicle owner.Type: GrantFiled: April 27, 2021Date of Patent: April 15, 2025Assignee: United Services Automobile Association (USAA)Inventors: Andrew Luke Enochs, Matthew Conrad Dahlman, Shawn D. Low, Daniel Diaz, Breanna Nicole Allerkamp
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Patent number: 12277820Abstract: Embodiments described herein disclose methods and systems for community item distribution. In some implementations, the community item distribution system includes a platform for users to post information regarding items they want to share with the community. The community item distribution system can categorize the information and establish donation parameters for the shared items. The donation parameters can include where and when items can be donated or retrieved, what types of items can be donated, and who can request the donated items. In some cases, the community item distribution system can generate a user interface listing the available items that users can request. Upon request of an item, the community item distribution system can schedule a drone to transport the item, in a secured container with ultraviolet lights to disinfect the item, from the storage location to the delivery location.Type: GrantFiled: February 12, 2024Date of Patent: April 15, 2025Assignee: United Services Automobile Association (USAA)Inventor: Ashley Raine Philbrick
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Patent number: 12268967Abstract: A method for guiding game play of a game in an augmented reality game space. The game runs on a smart device in conjunction with a game space. The method includes determining that a user has completed a game objective and earned the right to a game piece having a concealed value. Information including an indication that the user has completed the game objective is sent from a smart device to a game server. The game server receives information from the smart device and sends information including a location of the game piece having a concealed value to the smart device and to a confirmation device. The smart device displays a location of the game piece having a concealed value in the augmented reality game space. Also, a system for game play including the smart device, the game server, and the confirmation device.Type: GrantFiled: September 26, 2023Date of Patent: April 8, 2025Assignee: United Services Automobile Association (USAA)Inventor: Ruthie D. Lyle
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Patent number: 12271943Abstract: 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: GrantFiled: March 3, 2023Date of Patent: April 8, 2025Assignee: United Services Automobile Association (USAA)Inventors: Jason Paul Hendry, Rodney Kalich, Randall Martin Brandt, Marco Aldo Jimenez, David Perry