Patents Assigned to USAA
  • Patent number: 11379914
    Abstract: A system includes a server operable to communicatively couple with a customer interface device (CID) such that state-of-life inputs from the CID are communicated to the server. The server includes a memory configured to store the state-of-life inputs and storing a program executable by a processor of the server. The server also includes a processor configured to execute the program such that the program determines a financial service product based on the state-of-life inputs and such that the server issues a communication to the CID including a recommendation of the financial service product. The processor is also configured to format one or more selections made by the customer from the recommendation on a single-rail managed account product continuum having two or more financial service products.
    Type: Grant
    Filed: November 11, 2019
    Date of Patent: July 5, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jeffrey Kissner, Macdonald Etugbo, Joren Mathijs Scharn, Pablo Guadalupe Trevino, John David Livingston
  • Patent number: 11372400
    Abstract: 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: Grant
    Filed: September 27, 2018
    Date of Patent: June 28, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kade Scott, Snehal Desai, Richard Daniel Graham, Matthew Flachsbart
  • Patent number: 11372958
    Abstract: Embodiments described herein disclose technology for authenticating a user. In some embodiments, a smart card or other similar authentication device can be associated with a user profile. When a request to interact is received via an application associated with a device, the system prompts the user to waive the smart card within a threshold proximity of the device. In response to the smart card being placed within the proximity, the system collects information from the smart card and verifies that the smart card is associated with the user profile of the user. In response to verifying the information from the smart card, the system authenticates the user and allows the user to interact.
    Type: Grant
    Filed: October 2, 2019
    Date of Patent: June 28, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventor: John R. Clowe
  • Patent number: 11373149
    Abstract: An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check 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. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.
    Type: Grant
    Filed: March 26, 2020
    Date of Patent: June 28, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Michael Patrick Bueche, Jr., Bharat Prasad, Minya Liang, Reynaldo Medina, Charles Lee Oakes, III
  • Patent number: 11373150
    Abstract: An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check 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. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.
    Type: Grant
    Filed: March 26, 2020
    Date of Patent: June 28, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Michael Patrick Bueche, Jr., Bharat Prasad, Minya Liang, Reynaldo Medina, Charles Lee Oakes, III
  • Patent number: 11373187
    Abstract: A portable token device is described, the token device useable to request transactions performed over an interchange system. The token device authenticates a user through the use of biometric data such as a fingerprint. When in proximity to a point of sale (POS) terminal, the token device communicates with the POS terminal over a wireless network to authorize a transaction involving the user. The interchange system employs blockchain elements that can be used in a payment apparatus for managing payments or other types of transactions, and for managing user accounts. The interchange system enables users to enroll in the system, and enables the various users' computing devices to be used as confirmation centers for new transactions and/or funds transfers between users.
    Type: Grant
    Filed: August 24, 2020
    Date of Patent: June 28, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Duane Cash, Alexander Nagelberg, Hudson R. Jameson
  • Patent number: 11368584
    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: November 16, 2020
    Date of Patent: June 21, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Robert B. Pace, Jr., Chee Chiang Verzosa Puen, Jr., Oscar Roberto Tijerina
  • Patent number: 11367132
    Abstract: A system for generating video content may include a bank database that has a first set of data associated with an account status of an individual. The system may also include a credit provider database that includes a second set of data associated with a credit status of the individual and at least one processor. At least one processor may receive an indication that the credit status of the individual has changed, retrieve the first set of data from the bank database and the second set of data from the credit provider database, generate a personalized financial video associated with the individual based on the first set of data and the second set of data, and transmit the personalized financial video to a computing device associated with the individual.
    Type: Grant
    Filed: April 27, 2018
    Date of Patent: June 21, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christine Catsifas, Scott Pollock, Marcos Rosenburg, Vikram Parekh, Marty Lee Mendivil, Staci Rohde, Evan Sobinovsky, Mikel Van Cleve
  • Patent number: 11366702
    Abstract: A method for dynamically allocating computing resources to virtual computing machines in a shared system. An initial allocation is made for each computing resource. Current demand for each computing resource for each of the virtual computing machines is determined to identify changes in current demand. The system identifies a virtual computing machine for which usage of a first computing resource is approaching a first predetermined threshold allotted to the first virtual computing machine. The system identifies a second virtual computing machine in the system for which usage of the first computing resource is less than a second predetermined threshold of the first computing resource allotted to the second virtual computing machine. The server dynamically allocates at least part of the first computing resource from the second virtual computing machine to the first virtual computing machine to meet current demand for the first computing resource in the first virtual computing machine.
    Type: Grant
    Filed: September 30, 2019
    Date of Patent: June 21, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ashley Raine Philbrick, Ryan Thomas Russell, Nathan Lee Post, Bryan J. Osterkamp, William Preston Culbertson, II
  • Patent number: 11367104
    Abstract: Methods and systems disclosed herein facilitate users to capture, manage, and use receipt data, and use the information identified in the receipts in multiple receipt data use applications. Examples of such applications are generating customized recommendations for healthier items of consumable goods or services (e.g., food or beverage) based on correlating a user's purchase habits with the user's health-related data that is monitored by a wearable device, determining insurable items from receipt line item data, creating spending forecasts geared towards budgeting and saving, facilitating donations to charities based on a percentage of price of one or more items in receipt line data, and other applications that utilize receipt data.
    Type: Grant
    Filed: January 5, 2017
    Date of Patent: June 21, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Ruthie D. Lyle, Charles Lee Oakes, III, Maland Keith Mortensen
  • Patent number: 11368491
    Abstract: Techniques are described for adjusting policy characteristics based on a determined similarity between routes. A similarity metric may be determined indicating the similarity between a first route followed by a vehicle and/or driver and a second (e.g., previous) route followed by the vehicle and/or driver. A similarity metric may indicate the similarity in movements, and changes in movement, exhibited by the vehicle on the routes. The similarity metric may be determined through analysis of real time data collected by in-vehicle sensor(s), mobile user device(s), external sensors or other data sources. Based on the similarity metric, a premium, a deductible, a price, or other characteristic(s) of a policy may be determined. In some examples, policy characteristics may be adjusted (e.g., in real time) based on the analysis according to changing risk conditions if a driver is following routes that are dissimilar from typical routes.
    Type: Grant
    Filed: March 18, 2020
    Date of Patent: June 21, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Vijay Jayapalan, Michael Kyne, Joel T. Camarano, Charles Lee Oakes, III, Gunjan Vijayvergia, Christine Marie Brown
  • Patent number: 11368433
    Abstract: Private network request forwarding can include receiving a request from a user for Internet services over a public network. Private network request forwarding can include analyzing the request and determining whether the request is legitimate. Private network request forwarding can include forwarding the request to an entity through a private network when it is determined that the request is legitimate, wherein the user has access to the entity through a proxy.
    Type: Grant
    Filed: May 22, 2020
    Date of Patent: June 21, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Donald E. Clemons, Christopher Thomas Wilkinson
  • Patent number: 11361286
    Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving information of a negotiable instrument, transmitting the information to a distributed ledger system, the distributed ledger system maintaining a blockchain that records transactions associated with a plurality of negotiable instruments, receiving validation information from the distributed ledger system, the validation information indicating that negotiable instrument has not already been accepted, and accepting the first negotiable in response to the validation information.
    Type: Grant
    Filed: November 17, 2016
    Date of Patent: June 14, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Joseph Gaeta, Alexander B. Nagelberg, Joseph Matthew Doddato, Steven J. Schroeder, Michael L. Hertz, Hudson R. Jameson, Gunjan Vijayvergia, Bharat Prasad
  • Patent number: 11362855
    Abstract: A system and method to monitor individual appliance performance. A monitor module is provided for aggregating data from a plurality of appliances wherein the module includes. Included in the monitor device is a gateway device configured to capture operational data relating to each of the plurality of appliances and an analyzing device configured to determine individual operational characteristics for each of the appliances from analysis of the captured operational data. A notification device is further provided which is configured to provide information to a user regarding the determined operational characteristics for each of the appliances.
    Type: Grant
    Filed: February 23, 2021
    Date of Patent: June 14, 2022
    Assignee: United Services Automobile Association (“USAA”)
    Inventors: Ramsey Devereaux, Cristin Gray, Shane Tracey, Amber K. Buehrle
  • Patent number: 11361207
    Abstract: Chip cards that are protected from unauthorized access to information and instructions stored in the chip card's chip by unauthorized persons using illicit devices that emulate chip readers to interrogate the chips in chip cards and obtain or download confidential data stored in the chips. The chip cards are disabled when not ready to be used, such that the chips cannot be accessed by illicit devices, thus protecting the chip card owner and/or issuer from potential losses.
    Type: Grant
    Filed: September 24, 2020
    Date of Patent: June 14, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Robert Lee Black, Matthew Ryan Santacroce, Andre Rene Buentello, Jose L. Romero, Jr., Timothy Blair Chalmers, Samip Dilip Mehra
  • Patent number: 11361206
    Abstract: A wireless communication device is disclosed. The wireless communication device has a near field communications transmitter system. The device has an outer chassis that can be sized, dimensioned and decorated to resemble common household items that lack any apparent value. The wireless communication device can also include an indicia that is invisible to an unaided human eye.
    Type: Grant
    Filed: October 23, 2020
    Date of Patent: June 14, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ruthie D. Lyle
  • Patent number: 11361629
    Abstract: A system and method for providing virtual banking transactions are disclosed. The system comprises a kiosk with an enclosing structure where a user or member of a bank can go to conduct business including various banking transactions. Within the enclosing structure, an interactive system includes a display where a virtual associate can be shown. The interactive system includes slots that can be used to pass documents between the physical and virtual parts of the system.
    Type: Grant
    Filed: March 31, 2021
    Date of Patent: June 14, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: James Matthew Curry, David Patrick Dixon
  • Patent number: 11360313
    Abstract: Systems and methods for auto-calibrating a virtual reality (VR) or augmented reality (AR) head-mounted display to a given user with a refractive condition without adding corrective lenses to optical elements of the head-mounted display and without requiring subjective refraction procedures. An autorefractor assembly of the head-mounted display, or a separate autorefractor headset, measures refractive error and communicates the measurements to a control system of the head-mounted display. Based on the refractive error measurements, the head-mounted display can adjust adaptive lenses and other adaptive optics to modify transmitted images; can make compensating adjustments to images displayed by a stereoscopic display device of the head-mounted display; or can make both types of adjustment. These automatic calibrations correct displayed images to compensate for refractive aberration in one or both eyes of the user.
    Type: Grant
    Filed: December 1, 2020
    Date of Patent: June 14, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventor: Amanda D. Fernandez
  • Patent number: 11361383
    Abstract: Techniques for cooperative document generation include methods, one of the methods includes receiving, from a mobile device, a request to start an insurance claim, the mobile device including an application configured to guide the user through the claim process. The method includes establishing a session between a computer and the mobile device. The method includes displaying images of the user interface of the mobile device. The method includes receiving information concerning the insurance claim from the mobile device, the information provided by the user in response to prompts provided on the mobile device. The method includes displaying the information on the computer. The method includes enabling the customer service representative to alter the information or request additional information be provided. The method includes adding the information to a data record regarding the insurance claim in response to an indication that the customer service representative has verified the information.
    Type: Grant
    Filed: September 6, 2018
    Date of Patent: June 14, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: David James, Irvin Lee Smith, D'André Nepoleon Covin, David John Pflug, Elisabeth Rose Gutierrez
  • Patent number: 11354675
    Abstract: Systems and methods for voice-initiated transaction transfer are provided. A voice-initiated transaction transfer system includes an interactive voice response service that provides an initial voice-initiated transaction with a user and determines an intended transaction of the voice-initiated transaction. The system also includes an app administration service that receives an indication of the intended transaction from the interactive voice response service and triggers provision of a push notification to at least one app running on at least one electronic device associated with the user. The push notification includes an indication of a deep dive view to be presented on the app. The deep dive view includes a particular transaction screen of the app associated with the intended transaction.
    Type: Grant
    Filed: February 5, 2018
    Date of Patent: June 7, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: David Tuomikoski, Hector Jaime Castillo, Mudhar Al Ethawy