Patents Assigned to USAA
  • Patent number: 12183141
    Abstract: A safety deposit box facility that allows for 24/7 remote access by authorized personnel to their safety deposit boxes via an on-site robot. The facility includes safety deposit boxes that can be opened along one side by the robot, and on the other side by the authorized person. In some embodiments, the authorized person may request a remote access event in which they can view the contents of their safety deposit box via a camera associated with the robot, and/or request a secure delivery of one or more items disposed in their safety deposit box.
    Type: Grant
    Filed: December 16, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael J. Maciolek, Carol Lyn Lawrence, Gregory Brian Meyer
  • Patent number: 12182811
    Abstract: The present disclosure includes systems and methods for facilitating management of information related to electronic transactions. More specifically, the methods and systems discussed herein related to electronic transaction verification techniques that employ distributed computation methods, such as blockchains, to store transactional data for various web-based interactions, and to verify a transaction source and generate customer offers for these transactions.
    Type: Grant
    Filed: October 10, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Snehal Desai, Jennifer Hunt Erickson, Joel S. Hartshorn, Yevgeniy Viatcheslavovich Khmelev, Jeanie Graciela Lopez, Bharat Prasad, Nolan Serrao, Thomas Wayne Schwarz, Jr.
  • Patent number: 12182077
    Abstract: Techniques are described for creating and tracking audit trails, including regulatory compliance trails, using a distributed ledger. The techniques include determining, via the first processor, if data is to be provided for use in an audit, and if the data is to be provided then executing an audit trail routing system to route the data into at least one audit trail. The techniques further include storing, via the first processor, the data of the at least one audit trail in a least one block of digital distributed ledger system, and distributing, via the first processor, the at least one block among nodes of the digital distributed ledger system, wherein the digital distributed ledger system is configured to immutably store the data of the at least one audit trail.
    Type: Grant
    Filed: October 31, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Jon Fisher
  • Patent number: 12181895
    Abstract: 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 threat. For example, an unmanned vehicle may analyze information about the property and based on the information deter theft of items on the property.
    Type: Grant
    Filed: October 26, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Richard Daniel Graham, Kade Scott, Matthew Flachsbart
  • Patent number: 12182839
    Abstract: A system includes a server having a database stored thereon, an operator device, and a coordinating device communicatively coupled with the server and with the operator device, wherein the coordinating device comprises a processor and a memory, and wherein the memory is configured to store instructions thereon that, when executed by the processor, cause the coordinating device to perform various steps. The steps include receiving account data, from the server, corresponding with an account of a plurality of accounts saved to the database, receiving preference data, from the operator device, corresponding with preferences of an operator of the operator device and relating to the account data. The steps also include generating an avatar reflecting the account data in accordance with the preference data, and displaying the avatar on a display.
    Type: Grant
    Filed: August 28, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Joseph Gaeta, Bipin Chadha, Oscar Roberto Tijerina, Jeremy Kolt Loukas
  • Patent number: 12181874
    Abstract: Autonomous vehicles may be terrestrial, aerial, nautical, or multi-mode and may be used to enable communications of other devices. For example, an autonomous vehicle may analyze information about a device outage and based on the information direct an autonomous vehicle to a location of the device to address the outage by adding a capability to the device.
    Type: Grant
    Filed: May 27, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: David M. Jones, Jr., Megan S. Jennings, Bradly J. Billman, Sumita T. Jonak, Priyadarshini Badugu, Justin R. Nash
  • Patent number: 12184630
    Abstract: A method and system of managing third-party access to insurance information is disclosed. An insurer maintains an insurance information repository that can be accessed only by authenticated third-party partners. The authentication system generates a code for the insured member. The insured member can share the code to their selected third-party service provider. The selected provider will submit the code to the authentication system when requesting access to validated information about the insured member. The code, if valid, will authenticate the service provider and enable access to the requested information.
    Type: Grant
    Filed: March 31, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mitchell Wade Palermo, Cynthia Saldana, Ryan Juichi Wakabayashi, Francisco Tomas Garcia, Hanna Elizabeth Rafferty
  • Patent number: 12181872
    Abstract: 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: Grant
    Filed: November 9, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kade L. Scott, Benjamin D. Ethington, Richard Daniel Graham, Matthew T. Flachsbart
  • Patent number: 12182152
    Abstract: 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: Grant
    Filed: November 2, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Timothy Luke Coffin, Ronald Maurice John Hoch
  • Patent number: 12182777
    Abstract: Disclosed herein are systems and methods for generating a shared budget for an account associated with a first user and a second user, wherein the first user is associated with a first client device and the second user is associated with a second client device. A notification may be transmitted to the second client device based on an attempted purchase via the first client device. The notification may be displayed in a graphical user interface (GUI) of the second client device, and may include information related to the attempted purchase, such as the cost of one or more items, total value of the shared budget, remaining value in the shared budget, and so on. The second user may approve or decline the purchase request.
    Type: Grant
    Filed: March 25, 2022
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Brian C. Hawes, Justin D. Haslam, Christian A. Williams
  • Patent number: 12184682
    Abstract: Disclosed herein are embodiments of systems, methods, and products comprising an analytic server, which automatically detects malicious electronic files. The analytic server receives electronic files, runs a file extraction module to recursively scan the electronic files, and extracts all of the embedded and linked electronic files. The analytic server runs an exploit scanner against the extracted electronic files, and extracts code included in the electronic files. The analytic server deobfuscates the extracted code and examines the deobfuscated code by applying a set of malicious behavior rules against the deobfuscated rules. The analytic server identifies potentially malicious electronic files based on the examination. The analytic server applies a set of whitelist rules on the potentially malicious electronic files to eliminate false alarms. The analytic server transmits alert notifications to an analyst regarding the malicious electronic files and updates the whitelist rules based on analyst's feedback.
    Type: Grant
    Filed: October 4, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Joseph Andrew Kjar
  • Patent number: 12184816
    Abstract: A method includes receiving, at one or more processors, data indicative of a customer communication, inputting, via the one or more processors, the data to a first communication routing model corresponding to a first product or service goal associated with one or more product or service types, and determining, via the one or more processors and based on the first communication routing model, a first score corresponding to a first likelihood that the customer communication will satisfy the first product or service goal.
    Type: Grant
    Filed: October 17, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Merrill Lamar Madsen, Allen James Guidry
  • Patent number: 12182310
    Abstract: A technique for selectively scrambling data obtained by electronic sensor devices, such as cameras, voice communication devices, and the like, is provided. A payload of the data is scrambled when one or more characteristics of the data indicate that the data may include sensitive information. The scrambled data is transmitted to a target device.
    Type: Grant
    Filed: July 14, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ric M. Pena, Arthur Quentin Smith, Brian Tougas
  • Patent number: 12181891
    Abstract: A system may include a first vehicle and a first control system that may control one or more vehicle operations of the first vehicle. The first control system may perform operations including receiving a first vehicle operation signal from a second control system associated with a second vehicle, sending one or more requests to one or more computing systems for a confirmation of the first vehicle operation signal, and determining a set of vehicle instructions to control the one or more vehicle operations based on whether one or more responses from the one or more computing systems provide the confirmation. The first control system may then control the first vehicle based on the set of vehicle instructions.
    Type: Grant
    Filed: September 25, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Carlos J P Chavez, Sacha Melquiades De'Angeli, David M. Jones, Jr., Gregory Brian Meyer, Christopher Russell, Arthur Quentin Smith
  • Patent number: 12182223
    Abstract: Disclosed systems and methods allow a user to input digital content along with identification of one or more social media websites on which the user desires to publish the digital content. The systems and methods then query the identified social media webservers and retrieve a first set of publishing rules. When the digital content satisfies the first set of rules, the systems and methods query a database to retrieve a second set of rules comprising user restrictions specific to the identified social media websites. When the digital content does not satisfy at least one rule within the second set of rules, the systems and methods render a prompt on the user device to receive modified digital content. Subsequently, the systems and methods instruct the one or more social media websites to publish the modified digital content.
    Type: Grant
    Filed: September 18, 2023
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher Raley, Ryan Russell
  • Patent number: 12183208
    Abstract: An autonomous vehicle may include equipment configured to provide one or more services to a user in the presence of the vehicle; a device processor; and a non-transitory computer readable medium including instructions executable by the device processor to perform the following steps: receiving and executing dispatch instructions by autonomously driving to a location designated by a user; and providing the one or more services to the user at the designated location. The non-transitory computer readable medium may include instructions for syncing a cash state of the vehicle with the cash state of one or more other vehicles in the same fleet as the vehicle.
    Type: Grant
    Filed: June 30, 2021
    Date of Patent: December 31, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ruthie D. Lyle
  • Patent number: 12175477
    Abstract: A non-fungible token (NFT) representing title to property may be received. A search of the title to the property may be conducted. A title confidence may be determined based on the search of the title to the property. A premium may be determined based on the title confidence. The premium may be redetermined based on changes to the title confidence.
    Type: Grant
    Filed: May 27, 2022
    Date of Patent: December 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher E. Flores, Jennifer M. Chandler-Bradley, Elena M. Carrasco, Keegan P. Hayes, Nikhil Dama, Yibin Xu, Neetu Jain
  • Patent number: 12177200
    Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.
    Type: Grant
    Filed: September 13, 2023
    Date of Patent: December 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael W. Lester, Debra Randall Casillas, Richard A. Davey, Michael Frank Morris, Maland Keith Mortensen, John David Row, Thomas Bret Buckingham, Tammy Sanclemente
  • Patent number: 12172074
    Abstract: Methods and systems described in this disclosure are directed at gamification. In some embodiments, the present disclosure relates to methods and systems for tracking actions taken by a user at predetermined gaming levels in a gaming application, the gaming application also facilitating users to interact with the gaming application in the form of questions and answers. If the user is unable to provide a minimum number of correct responses to the questions presented, the gaming application displays actions that are to be performed by the user to continue playing the game. In some embodiments, a game is paused temporarily by a pause signal sent to the gaming application. The game resumes when a resume signal is sent to activate the gaming application.
    Type: Grant
    Filed: November 3, 2021
    Date of Patent: December 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: David Hancock, Sharon M. Sirizzotti, Joe R. Martin
  • Patent number: 12174030
    Abstract: A system and method for high-precision automated guidance of a drone via a local (on-site) computing device for delivery of items is disclosed. The drone navigates to a location in proximity to the recipient's home using standard navigation protocols. Once the UAV arrives at this local destination, communication between the UAV and an on-site computing device occurs. The on-site device serves as a micro air-traffic controller to the UAV's precise drop off target location. The on-site device can provide approach vectors, guidance around obstacles and navigation instructions to a final micro-destination.
    Type: Grant
    Filed: October 28, 2021
    Date of Patent: December 24, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Sacha Melquiades De'Angeli