Patents Assigned to USAA
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Patent number: 11530929Abstract: The present disclosure relates to navigational systems, devices, and methods for preparing route guidance information that incorporates user needs—and ensures fulfilment of those needs under a variety of conditions. In particular, this disclosure relates to preparing route guidance information that ensures a user is directed along a route that includes stops where various needs such as e.g. medical, food, or water can be met while also minimizing traffic. Such a system may be useful, for example, when evacuating from a metro region in the face of an oncoming natural disaster such as a hurricane.Type: GrantFiled: October 8, 2019Date of Patent: December 20, 2022Assignee: United Services Automobile Association (USAA)Inventor: Arthur Quentin Smith
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Patent number: 11531991Abstract: A user authorization device (or UAD) physically connected to a user's router to aid in the authentication of the user. A bank server polls the user's router to verify that the UAD is connected to the router before granting the user the capability to perform transactions on the user's account that would be otherwise restricted. The bank server implements a set of policies designed by the user that require the UAD to be present for some transactions with the account to be performed. The presence of this device thus adds an extra layer of security to such financial transactions beyond the use of a username and password.Type: GrantFiled: June 28, 2021Date of Patent: December 20, 2022Assignee: United Services Automobile Association (USAA)Inventors: Ryan Thomas Russell, Gregory Brian Meyer, Steven Michael Bernstein, David Ira Waters, Jr., Patrick Michael Luberus
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Patent number: 11531654Abstract: The present disclosure relates to methods and systems for providing validation of transformed electronic data. A source to target comparison service identifies testing configuration parameters and performs a comparison between source and target electronic data to identify anomalies for each transformed data item in the target automated comparison.Type: GrantFiled: June 29, 2020Date of Patent: December 20, 2022Assignee: United Services Automobile Association (USAA)Inventors: Ryan Christopher Crenwelge, Hima Bindu Naga Dadireddy, Narendra Reddy Korisapati, Margaret A. Lynch, Kerry Zeng
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Patent number: 11531786Abstract: A method may include detecting a keylogger based at least in part on an increase in power drawn by an input device, detecting the keylogger based at least in part on a driver of the input device, detecting the keylogger based at least in part on a duration of time that a signal generated by the input device takes to transmit to a computing device, or any combination thereof. The method may also include, in response to detecting the keylogger, generating an alert to indicate a presence of the keylogger.Type: GrantFiled: December 2, 2020Date of Patent: December 20, 2022Assignee: United Services Automobile Association (USAA)Inventors: Ashley Raine Philbrick, Ryan Thomas Russell, David Joaquin Harris
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Patent number: 11532198Abstract: A re-locatable safety deposit box facility that allows for 24/7 access by authorized personnel to their safety deposit boxes without the need for any attendants at the facility. The facility is self-contained and re-locatable, such that it can be moved from one location to another location. In some embodiments, the facility may be, for example, a standard size shipping container. It has interior dimensions that are sufficient to house an array of safety deposit boxes. The container may also be equipped with devices that may be used to lift the entire container up so that it may be moved to another location.Type: GrantFiled: March 27, 2020Date of Patent: December 20, 2022Assignee: United Services Automobile Association (USAA)Inventors: Ruthie D. Lyle, Chi-Hsuan Lai, Ravi Durairaj, Jo Anne Yau, Sean Carl Mitchem, Stacy Callaway Huggar, David Patrick Dixon
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Patent number: 11532051Abstract: Techniques utilize augmented reality to identify anomalies in properties or structures based thereon. Aspects can collect, using augmented reality video glasses, imagery of a property and display, to a wearer of the augmented reality video glasses using the augmented reality video glasses, data describing the property. Aspects can further compare the imagery of the property to the data describing the property to determine at least one anomaly associated with the property and report the anomaly to a user.Type: GrantFiled: April 6, 2020Date of Patent: December 20, 2022Assignee: United Services Automobile Association (USAA)Inventors: Florian Braun, Andre Buentello, George MacNair, Sharon Haverlah, John Chandler Hopkins, III
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Patent number: 11532050Abstract: Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to the property. For example, an unmanned vehicle may use one or more sensors to determine damage to the property. Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode.Type: GrantFiled: June 26, 2019Date of Patent: December 20, 2022Assignee: United Services Automobile Association (USAA)Inventors: Anthony Scott Farnsworth, Justin Dax Haslam, Kathleen L. Swain, Teddy Joseph Edmond Voutour, Jess W. Gingrich, Michael J. Allen, Anthony G. Castiglione, Jordan A. Newmark
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Patent number: 11531973Abstract: An image of a negotiable instrument may be taken by a camera associated with a mobile device and provided from a user to a financial institution via the mobile device. The negotiable instrument may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. The mobile device may process the image prior to sending the image to the financial institution. Additionally or alternatively, the financial institution may process the image.Type: GrantFiled: March 24, 2022Date of Patent: December 20, 2022Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Bharat Prasad, Michael Frank Morris
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Patent number: 11527061Abstract: A technique for assessing development condition of a property is provided that determines development condition for an individual property or properties of interest using image or other sensor data from one or more unmanned aerial vehicles taken over the development process. A property condition output may be generated to indicate a condition of the property or properties.Type: GrantFiled: March 24, 2020Date of Patent: December 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Emily Margaret Gray, Daniel Christopher Bitsis, Jr., 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, Qunying Kou, Ashley Raine Philbrick
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Patent number: 11525756Abstract: A system configured to detect failure of a hose includes a sensor assembly having a body with a first arm and a second arm pivotally coupled to one another at respective first ends, and the body is configured to move between a closed position and an open position. The sensor assembly also includes a first electrical contact positioned at a respective second end of the first arm and a second electrical contact position at a respective second end of the second arm. The first electrical contact and the second electrical contact are configured to contact one another to form a complete electrical circuit when the body is in the closed position and are configured to be separated from one another to form an open electrical circuit when the body is in the open position to facilitate detection of the failure of the hose.Type: GrantFiled: December 6, 2021Date of Patent: December 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Eric David Schroeder, Ashley Raine Philbrick, Manfred Amann, Donna Moncrief Brown
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Patent number: 11526860Abstract: An electronic cash deposit system includes a processor that receives a user-generated request for a deposit of cash into an account, receive data generated from a scan of a machine-readable image on a receptacle that receives the cash, perform a validation of the deposit of the cash based on a correlation between the data generated from the scan and a transaction key, generate confirmation of the deposit of the cash when the validation is confirmed, and send a notification to a banking system to update the account to reflect the deposit of the cash in response to the confirmation being generated.Type: GrantFiled: August 18, 2021Date of Patent: December 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Yongxiang Hu, Diana Reyna, Aaron Lee Van Heldorf
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Patent number: 11527231Abstract: A system and method for providing a headset system including a microphone including a microphone transducer configured to receive vocal sounds from a user of the headset system and to generate a voice audio signal representing the vocal sounds; a first earcup including a first housing, wherein the first housing further includes a voice canceling circuit, an inner speaker, and a first outer speaker; the voice canceling circuit configured to receive the voice audio signal and configured to generate a first voice canceling signal to cancel the voice of the user; and the first outer speaker including a first speaker transducer configured to generate and output sounds representing the first voice cancelling signal to cancel the vocal sounds of the user.Type: GrantFiled: March 29, 2022Date of Patent: December 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Justin Dax Haslam, Donnette L. Moncrief Brown, Eric David Schroeder, Ravi Durairaj, Deborah Janette Schulz
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Patent number: 11527220Abstract: A method and system of providing a wearable expanded display system for portable computing devices is disclosed. The method includes connecting a head-mounted display system to the portable computing device and anchoring a virtual projection of content from the portable computing device to a screen of the portable computing device to provide the user with an augmented reality viewing experience. The virtual projection can present the content in an enlarged view with richer content options than the smaller screen of the portable computing device. The position of the virtual projection will adapt to changes in pose of the screen to maintain the anchored relationship.Type: GrantFiled: November 9, 2021Date of Patent: December 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Nathan Lee Post, Carlos Jp Chavez, Deborah Janette Schulz, Ashley Raine Philbrick, Eric David Schroeder, Gabriel Carlos Fernandez, Snehal Desai, Rachel Elizabeth Csabi, Ruthie D. Lyle, Courtney St. Martin
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Patent number: 11528359Abstract: A call processing system and method for providing a secondary information channel to a caller. Upon reception of a call from a caller to a customer service representative on a primary access channel determine a device (secondary device) associated with the caller that is separate from the device the caller is using for the primary access channel. The secondary device is to be used to provide a secondary information access channel. The secondary information access channel is complimentary to the primary access channel between the caller and the customer service representative and is utilized to deliver information content to the caller and/or provide other services supportive of the conversation with the company service representative.Type: GrantFiled: April 20, 2021Date of Patent: December 13, 2022Assignee: United Services Automobile Association (“USAA”)Inventor: John R. Harris
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Patent number: 11526165Abstract: A system includes one or more processors that are configured to receive data from one or more sensors, to determine whether one or more characteristics of a driver or an occupant indicate driving control of a vehicle should transfer from the driver based on the data, and to enable a remote operator to control operation of the vehicle in response to determining that the driving control should transfer from the driver.Type: GrantFiled: November 29, 2021Date of Patent: December 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Andy Benavidez, Jessica Gisela Ellinor Nunn, Michael Livingston
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Patent number: 11526949Abstract: A computer device and method for processing data to determine suggested modifications to the policy terms or conditions contingent upon informatic data relating to habits and activities of inhabitants of an insured property or location. Informatic data relating to an insured property or location is electronically received from at least one informatic sensor device and is analyzed to determine behavioral habits and activities of one or more inhabitants associated with the insured property so as to identify one or more risks associated with the insured property or location. Electronic data is received for one or more terms of an insurance policy associated with the insured property and is analyzed to determine suggested modifications to the policy terms or conditions based upon the determined behavioral habits and activities of the one or more inhabitants associated with the insured property.Type: GrantFiled: January 13, 2021Date of Patent: December 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Michael J. Allen, Ramsey Devereaux, Spencer Read, David S. Franck, William Chandler, Daniela Wheeler, Kathleen L. Swain, Justin D. Haslam
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Patent number: 11525755Abstract: A water detection system for a fluid storage system includes a housing configured to be disposed in fluid communication with a fluid storage vessel, a water-activated battery disposed within the housing and configured to produce an electrical voltage upon contact with water, and an electronic circuit disposed within the housing and configured to detect water above a threshold within the fluid storage vessel based at least in part on the electrical voltage.Type: GrantFiled: February 25, 2020Date of Patent: December 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Stacy Callaway Huggar, Emily Kathleen Krebs, Jeffrey Neal Pollack, Carlos J P Chavez, Stefanie Jean Acosta, Janelle Denice Dziuk, Mitzi Ruiz, Michael Joseph Gaeta
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Patent number: 11526349Abstract: A resource tracking system includes a resource storage device with multiple resources and a resource tracking application. The resource tracking application scans the resource storage device to identify the resources, determines a deployment date, an execution date, or both for each resource, identifies a subset of the resources that do not meet deployment date criteria, execution date criteria, or both based upon the deployment date, the execution date, or both determined for each resource, and recommends an action to delete the subset of the plurality of resources via a graphical user interface.Type: GrantFiled: October 28, 2020Date of Patent: December 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Ryan Thomas Russell, Jason Brett Morris
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Patent number: 11526948Abstract: A computer system and method for processing insurance claim data to identify and recommend insurance policy modifications using informatic data from one or more informatic sensor devices relating to a dwelling. Analytical analysis is performed on the received informatic data to determine a dwelling assessment value regarding an insurance risk relating to the dwelling. Electronic data relating to an insurance policy associated with the dwelling is received by a computer processor and is electronically analyzed to determine insurance coverage and liability values for the dwelling as prescribed by the insurance policy. Predefined business rules are utilized by a computer processor using at least the dwelling assessment value and the determined insurance coverage and liability values for the dwelling to determine, and preferably recommend, one or more insurance products for inclusion with the insurance policy to mitigate insuree liability regarding the dwelling.Type: GrantFiled: September 15, 2020Date of Patent: December 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Michael J. Allen, Ramsey Devereaux, Spencer Read, David S. Franck, William Chandler, Daniela Wheeler, Kathleen L. Swain, Cleburne R. Burgess
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Patent number: 11526857Abstract: A method, apparatus and system are disclosed for providing a user with an indication of the user's financial security level. In order to achieve this, the user may be surveyed to provide information related to the user's attributes and current level of financial security. Based on the user's inputs, a financial security tool may generate a financial security score and monetary risk amount that provides an accurate interpretation of the user's financial security level.Type: GrantFiled: February 22, 2021Date of Patent: December 13, 2022Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Alexis M. Eidson, Christina N. Nickel, Matthew Quagliara, Raymond John Zurcher, Ronald Romanowski