Patents Assigned to USAA
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Patent number: 11446949Abstract: 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 23, 2019Date of Patent: September 20, 2022Assignee: 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: 11449526Abstract: Systems and methods described herein provide selective synchronization of DNS records. A synchronization data store is synchronized by: obtaining a complete set of domain name system (DNS) records for a first data center; and copying the complete set of DNS records to the synchronization data store. After the synchronization data store is initialized, at a particular time interval, a snapshot of the complete set of DNS records is repeatedly collected. Differences between the copied complete set of DNS records of the synchronization data store and the snapshot of the complete set of DNS records are identified. The synchronization data store is updated with the differences and a determination is made as to whether the differences should be implemented at a second data center. When the differences should be implemented at the second data center, the differences are propagated to the second data center, otherwise they are not.Type: GrantFiled: May 25, 2021Date of Patent: September 20, 2022Assignee: United Services Automobile Association (USAA)Inventors: Kyle Patrick Bush, Jason Paul Larrew, Orlando Alva, Dan Asher Newburg
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Patent number: 11443382Abstract: Systems and methods for providing persistent state are described herein. One or more embodiments include verifying access information provided by a user of a first device in connection with a user initiated transaction session, maintaining a current state of the transaction session in a persistent store, establishing a session key corresponding to the transaction session, providing the session key to the user, and providing the user access to the current state of the transaction session via a second device in response to validation of the session key received from the second device.Type: GrantFiled: January 9, 2020Date of Patent: September 13, 2022Assignee: United Services Automobile Association (USAA)Inventor: Michael Patrick Bueche, Jr.
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Patent number: 11443300Abstract: Embodiments described herein disclose methods and systems for identifying that a user is accessing a retailer or service provider website and automatically enabling an interactive window that includes personalized user information. The system can detect that the user is accessing a payment webpage associated with the website, and, in response, generate a selectable list of payment instruments associated with the user. When the user selects a payment instrument, the system can create an electronic ghost card linked to the payment instrument and the electronic ghost card information can be input into the payment webpage.Type: GrantFiled: February 12, 2021Date of Patent: September 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Huihui Wu, Alejandra Valles, Darrius M. Jones, Valmore M. Smith, Lonnie B. Roberts
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Patent number: 11443324Abstract: A system for providing card account controls and purchase impact information may comprise at least one subsystem that receives information regarding a potential purchase of a customer, and at least one subsystem that provides potential purchase impact information to the customer based on the information regarding the potential purchase of the customer.Type: GrantFiled: June 12, 2018Date of Patent: September 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Wayne Maurice Hartman, Bradly Jay Billman
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Patent number: 11440358Abstract: The present invention provides a tire-wear detection sensor for a vehicle having a telematics system and tires including a temperature sensor, a pressure sensor, and an RF antenna in electronic communication with the sensors, and capable of transmitting the temperature signal and the pressure signal to the telematics system.Type: GrantFiled: May 4, 2020Date of Patent: September 13, 2022Assignee: United Services Automobile Association (USAA)Inventors: Charles Lee Oakes, III, Jess W. Gingrich
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Patent number: 11437045Abstract: System, methods, and computer readable media can be used to create a virtual assistant. One of the methods includes receiving audio from a conversation between two parties while the conversation is occurring. The method includes generating a partial transcript of the conversation. The method includes identifying topics based on the partial transcript. The method includes presenting a user interface element based on the identified topic.Type: GrantFiled: October 18, 2018Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventors: Scott Evan Daly, Robert Hugh Newman, II, Kori Rochelle Newman
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Patent number: 11437056Abstract: The disclosure generally relates to collecting and analyzing audible signals produced by a system. Audio segments and metadata can be received and compared. A closest match and deviations can be determined based on the comparison. Based on this analysis, a condition of the system during its operation can be determined.Type: GrantFiled: March 4, 2020Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventor: Edward Manuel Alonzo, III
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Patent number: 11435881Abstract: A customer management system can be designed to provide an integrated smart graphical user interface. For example, a computing device can receive information that includes a topic of conversation for a chat-based communication; initiate, via a first graphical user interface (GUI), the chat-based communication with another computing device after the information is received; display, via a second GUI, the user profile associated with the person, wherein the second GUI is displayed adjacent to and integrated with the first GUI; determine a relationship between one or more words or phrases received via the first GUI from the first computing device and the additional information in the user profile, where the relationship is determined in real-time or near real-time as the one or more words or phrases are received; and display a visual indicator in the second GUI that shows content in the second GUI that is relevant to the determined relationship.Type: GrantFiled: June 29, 2020Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventors: William Daniel Farmer, Andre Rene Buentello, Jose L. Romero, Jr., Priyadarshini Badugu
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Patent number: 11436924Abstract: A vehicle parking management system includes one or more processors configured to receive data indicative of one or more characteristics of one or more parking locations. The one or more processors is also configured to determine one or more recommended parking locations of the one or more parking locations based on the data and based on an input related to a vehicle. The one or more processors is further configured to output a recommendation of the one or more recommended parking locations via a display screen to a driver of the vehicle.Type: GrantFiled: January 31, 2020Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventors: Emily Margaret Gray, Daniel Christopher Bitsis, Jr., Qunying Kou, Robert Wiseman Simpson, Manfred Amann, Donnette Moncrief Brown, Eric David Schroeder, Meredith Beveridge Lecocke, Michael J. Maciolek, Bobby Lawrence Mohs, Brian F. Shipley, Justin Dax Haslam, Ashley Raine Philbrick
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Patent number: 11436247Abstract: Methods and systems described herein can provide a computing device configured to display on a display screen of the computing device a first window listing a set of entries and a second window that can add entries directly into the set of entries and that can search for entries having selected features. The second window can dynamically display one or more keywords related to an entry as the entry is being created. The keywords can be determined as the entry is created and can be associated with the entry as the entry is added to the set of entries. The second window can receive a search request with the keywords and in response, cause the entries associated with the keywords to be displayed in the first window.Type: GrantFiled: August 7, 2020Date of Patent: September 6, 2022Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Timothy Luke Coffin, Ronald Maurice John Hoch
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Patent number: 11436588Abstract: A method and system of increasing the security of requests to access funds from a joint bank account by secondary users to permit a primary user to securely regulate fund usage are disclosed. The system and method are configured to link to a bank account and restrict access of funds by secondary users per conditions defined by the primary user(s). A software application receives requests for funds from secondary users for use during a transaction to be performed at a specific merchant location. The application requires geodata that supports the proposed transaction, for example by inclusion of an image taken in which GPS data is embedded. The request will only be conveyed to the primary user if the system determines the embedded GPS data corresponds to the location of the merchant.Type: GrantFiled: December 27, 2019Date of Patent: September 6, 2022Assignee: 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
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Patent number: 11437040Abstract: Various embodiments of the present disclosure relate generally to providing services to users via communication channels. More specifically, various embodiments of the present disclosure relate to systems and methods for modifying, updating, and/or changing communication channel interactions based on the tracking or listening for events within other communication channels.Type: GrantFiled: August 2, 2019Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventors: Matthew Patrick Stone, Zachary Taylor Pingel, Boyd Alan Hutton
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Patent number: 11436683Abstract: A system includes a monitoring device coupled to a vehicle. The monitoring device includes a processor. The monitoring device also includes an output interface coupled to the processor that communicates information to a driver of the vehicle. The monitoring device further includes a communication interface coupled to the processor. The processor receives, via the communication interface, sensor information relating to operating the vehicle. The processor also receives, via the communication interface, a risk factor relating to operating the vehicle based at least in part on the sensor information. The processor further outputs, via the output interface, an adjustment to an insurance premium of the driver, an adjustment to an insurance deductible of the driver, or a payment amount of the driver, based at least in part on the risk factor.Type: GrantFiled: July 16, 2020Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventors: Michael Kyne, Joel T. Camarano, Bharat Prasad, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Christine Marie Brown, Rod Gonzales
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Patent number: 11435740Abstract: A system may include one or more sensors configured to acquire data associated with a driver of a vehicle and a processor. The processor may receive the data and determine whether the data is within a baseline data associated with expected behavior of the driver. The processor may then control one or more operations of the vehicle in response to the data being outside the baseline data.Type: GrantFiled: February 6, 2020Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventors: Kade L. Scott, Benjamin D. Ethington, Richard Daniel Graham, Matthew T. Flachsbart
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Patent number: 11438460Abstract: Tangible, non-transitory, machine-readable media include instructions that cause a processor to receive a first indication that a user is attempting to communicate with a provider, and intercept communication between the user and the provider based on the first indication being received. The instructions also cause the processor to send user information to a provider application server based on the first indication being received, and display a visual interface that establishes communication with the relevant provider department or performs a transaction based on the first indication being received. The instructions further cause the processor to receive a second indication associated with performing the action associated with the provider via the visual interface; and performing the action based on the second indication being received.Type: GrantFiled: August 10, 2020Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventors: Gualberto Camacho, David Tuomikoski
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Patent number: 11434005Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of a security threat or damage to the property. For example, an unmanned vehicle may analyze information about the property and based on the information provide graphics and information associated with the surveying of the property.Type: GrantFiled: June 26, 2020Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventors: Cory Matheson, Anthony Scott Farnsworth, Kathleen L. Swain, Michael J. Allen, Benjamin Ethington, Jordan A. Newmark
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Patent number: 11439044Abstract: A system to create a dehydrating environment from the waste cooling air from a data center including a drying room above the data center. Waste cooling air dries moisture laden product in the drying room and is returned to the data center. Also, a system to distribute waste cooling air from a data center. The system includes a reservoir tank and a local tank for waste cooling air. Both tanks include insulated walls that assist in maintaining a temperature within the reservoir tank. A reservoir tank blower conveys waste cooling air from the data center into the reservoir tank and pressurizes the interior of the reservoir tank. Pressurized waste cooling air from the data center is delivered from the local tank through the blower when a blower valve is opened.Type: GrantFiled: October 3, 2019Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventors: Bryan J. Osterkamp, Ryan Thomas Russell, Nathan Lee Post, William Preston Culbertson, II, Courtney St. Martin, Ashley Raine Philbrick
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Patent number: 11429939Abstract: This disclosure provides methods and systems for performing authentication in a virtual reality environment. In some implementations, the system receives a request for access to a virtual reality financial center requiring authentication from a user. The system can collect user identification information that identifies the user and verification information required to verify the user's identity via a virtual reality platform.Type: GrantFiled: October 4, 2018Date of Patent: August 30, 2022Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Adrian Borunda, Richard Tanner, Jeffrey Joseph Szcinski, Cale Riley Spratt, Jerry Allen Phelps
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Patent number: 11429966Abstract: Embodiments described herein disclose methods and systems for authorizing a payment card transaction using dynamic codes. The system can issue a payment card to a user. The payment card can be associated with a verification application accessible by a device associated with the user. The verification application can include a dynamic code associated with the payment card. The system can receive a request for authorization for a transaction using the payment card from a remote computing device, and the request can include an identifier of the payment card and a verification code. The system can identify the payment card using the identifier of the payment card and can compare the verification code with a value of the dynamic code at the time of the transaction. The system can authorize the transaction when the verification code matches the value of the dynamic code at the time of the transaction.Type: GrantFiled: November 27, 2017Date of Patent: August 30, 2022Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventor: Patrick Adam