Patents Assigned to USAA
  • Patent number: 12260700
    Abstract: An image of a check is captured by an imaging device and processing of the digital image of the check for deposit at a remote server may be accomplished with a downloaded software application on a portable computing device associated with the imaging device. The downloaded application may include one or more trained machine learning models for processing the captured image. The portable computing device may utilize deterministic algorithms for certain image processing tasks and machine learning models for others. The selection between machine learning and deterministic processing may be made locally on the portable device or in response to instructions from an institution server to use a particular processing method.
    Type: Grant
    Filed: November 21, 2023
    Date of Patent: March 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventor: Michael Patrick Bueche, Jr.
  • Patent number: 12253826
    Abstract: Implementations configure hologram interactions with vehicle passengers. A hologram manager can configure a hologram to interact with vehicle passengers, alleviate danger, and/or guide vehicle passengers to safety. The hologram manager can select an input modality for the hologram according to sensed conditions. For example, the hologram manager can determine a state of impairment for a passenger using sensed data and machine learning model(s). The hologram manager can then select an input modality according to the state of impairment. The generated hologram can be configured by the hologram manager to interact with the passenger using the selected input modality. For example, an instruction manager can generate a set of instructions using sensed and/or gathered information, and the hologram manager can configure the hologram to provide the instructions to the passenger using the input modality.
    Type: Grant
    Filed: March 2, 2022
    Date of Patent: March 18, 2025
    Assignee: United States Automobile Association (USAA)
    Inventors: Brian Howard Katz, Jon Dwain McLaughlin, Surender Kumar, Roberto Virgillio Jolliffe, Shayla Leigh Callis, Sydney Ann Conrad-Cook, Breanna Nicole Allerkamp
  • Patent number: 12253437
    Abstract: 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: Grant
    Filed: December 1, 2022
    Date of Patent: March 18, 2025
    Assignee: 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
  • Patent number: 12256213
    Abstract: A system includes a client device including a processor, a telephony radio that supports telephony communications, and a data radio that supports data communications. The client device conducts, via the telephony radio, a call with a telephony service. Further the client device identifies a context of the call, identifies a subset of stored private data associated with the context of the call; and in parallel with the call, provides the subset of the stored private data, via a data radio, to a data service.
    Type: Grant
    Filed: September 27, 2023
    Date of Patent: March 18, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Rachel Elizabeth Csabi, Hollie Ilene King, Victor Kwak, Zachery C. Lake, Yogen Rai, Samantha Elizabeth Taylor, Nicholas C. Wheeler
  • Patent number: 12253363
    Abstract: The present disclosure relates to system that includes a database including data associated with one or more building features of a building. The system includes a processor of a computing device. The processor is configured to determine an absolute position of the computing device within the building. The processor is configured to identify at least one of the building features located within a threshold distance of the absolute position of the computing device based on a query of the database. Additionally, the processor is configured to generate an alert configured to cause the computing device to display information associated with the at least one of the building features or output an audible signal associated with the at least one of the building features.
    Type: Grant
    Filed: August 2, 2023
    Date of Patent: March 18, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher James Waful, Rachael Ann Humphreys, Xin Wang, Mateusz Peter Dyl, Matthew Blair, Andre Rene Buentello, Paul Garcia
  • Patent number: 12248663
    Abstract: The present invention provides a system and method for identifying, tagging and reporting hazardous drivers in the vicinity of a host vehicle. A system comprises a sensor array on the host vehicle for detecting one or more adjacent vehicles in a vicinity of the host vehicle, a host display inside the host vehicle visible to the occupant of the host vehicle, and at least one adjacent vehicle display inside the one or more an adjacent vehicles visible to at least one adjacent vehicle occupant of the one or more adjacent vehicles. A server electronically coupled to the sensor array and the host display is configured to facilitate identification and tagging.
    Type: Grant
    Filed: December 19, 2023
    Date of Patent: March 11, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Matthew T. Flachsbart, Ameer A. Noorani, Bradly Jay Billman, Snehal Desai, Cory Matheson, James Phillip Hillman, Andrew L. Anaruk
  • Patent number: 12250612
    Abstract: A method of determining a physical location for an address. The method includes receiving from a first global positioning system on a vehicle a first set of global positioning data indicative of a vehicle location. The method may also receive from a second global positioning system on a portable electronic device a second set of global positioning data indicative of a portable electronic device location. The method may also receive a set of location metadata associated with a picture. The method determines a residence location from the first set of global positioning data, the second set of global positioning data, or the set of location metadata. The method then associates the physical location to the address.
    Type: Grant
    Filed: April 10, 2024
    Date of Patent: March 11, 2025
    Assignee: 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, Michael J. Maciolek, Bobby Lawrence Mohs, Brian F. Shipley, Justin Dax Haslam, Ashley Raine Philbrick
  • Patent number: 12242580
    Abstract: A gaze detection and application system can determine gaze points for user gazes, determine the contexts of gaze points, and customize contents on display devices, such as by making them visible. The gaze detection and application system can use camera devices to determine a display point (the “gaze point”) corresponding to where a user is currently gazing at in real-time on a display device. In some implementations, the gaze detection and application system can determine whether the gaze point is in proximity to sensitive contents hidden on the display device. The gaze detection and application system can identify subjects within a camera frame and can determine whether the identified subjects are permitted to access the sensitive contents. If the subjects are permitted, then the gaze detection and application system can make the sensitive contents visible on the display device.
    Type: Grant
    Filed: July 23, 2022
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ashley Raine Philbrick
  • Patent number: 12242480
    Abstract: Methods and systems described herein are directed to creating customized queries on data sets via selection of search elements based on meta-data from data set registrations. In some implementations, an automatic query system can register database elements with associated meta-data by receiving programming data objects, corresponding to database elements, with meta-data and adding the programming objects as selectable values for a user interface (UI). Each data object can define one or more elements for a table and/or column(s) within a table in a database. The automatic query system can provide the UI to a user to receive table and column selections. The automatic query system can select a root table to join the selected tables into, and generate a join query for the root table by inserting search string snippets, corresponding to selected tables and columns, into a query template.
    Type: Grant
    Filed: July 29, 2022
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Matthew James Martinez, Joseph James Albert Campbell, Quentin L. Holness, Ryan Matthew West, Rachel Michelle Ballew, Mitchell Wade Palermo
  • Patent number: 12243090
    Abstract: Embodiments described herein disclose methods and systems for managing a digital reputation of a user. The exemplary method can receive information about an item to be purchased by the user, determine in real-time or near real-time, based on one or more financial factors, a first digital reputation score indicative of an effect of the item on the user's digital reputation, determine an alternative item to be purchased instead of the item to be purchased, and determine a second digital reputation score based on the purchase of the alternative item.
    Type: Grant
    Filed: April 28, 2023
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jennifer Hunt Erickson, Bharat Prasad, Snehal Desai
  • Patent number: 12244591
    Abstract: The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.
    Type: Grant
    Filed: January 26, 2024
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Thomas B. Buckingham, Richard A. Davey, Tammy Sanclemente, Ryan M. Johnson, Adam J. Leatham, Christopher Thomas Wilkinson
  • Patent number: 12243027
    Abstract: An automated banking terminal for facilitating a financial transaction is provided. The automated banking terminal includes a processor, a display for presenting a set of customer menu options, and a communication interface. The automated banking terminal also includes expansion slots which have a mechanical interface and an electrical interface. Expansion modules may be connected to the processor through the expansion slots. An expansion module may be a cash dispensing module, a cash receiving and counting module, a check receiving module, a printer, a scanner, a biometric interface, a signature pad, an account card reader, or an account card programmer. The processor of the automated banking terminal is configured to detect the expansion module and determine additional menu options to supplement the customer menu options based on detecting the expansion module.
    Type: Grant
    Filed: April 3, 2019
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Gunjan Vijayvergia, Charles Lee Oakes, III
  • Patent number: 12242333
    Abstract: A method for detecting computer issues includes identifying a target computer system. A first set of data for a first time period relating an operating metric from the target computer system are received. The operating metric is stored. A second set of data for a second time period relating to the operating metric is received. The first and second sets of data are compared. A difference between the two sets of data is identified. If the difference between the two sets of data is within a range a warning notification is displayed in a graphical user interface. An input is received in the graphical user interface in response to the warning notification being displayed.
    Type: Grant
    Filed: January 5, 2024
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Manuel A Carranza, Chase T. Sekula, Mark S. Moore, Mathew P. Ringer
  • Patent number: 12243097
    Abstract: The technology described includes an adaptive probability matrix that creates a notification schedule. The schedule can be used to send reminders to users to press a physical, connected device/button, that when pressed or clicked, causes money to be transferred according to a set of rules (i.e., a “one-click” transfer of funds).
    Type: Grant
    Filed: November 28, 2023
    Date of Patent: March 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Sang Woo Choi, Timothy Davison, Garrett Rielly Rapport
  • Patent number: 12235946
    Abstract: Methods and systems described in this disclosure electronically notarize a document. The system can receive biometric information from a user, extract characteristics from the biometric information, and compare the characteristics of the biometric information with previously stored characteristics of the user's biometric information. When the characteristics of the biometric information match the previously stored characteristics to a threshold, the system can create an identity of the user using the characteristics of the biometric information. The system can send a document to the user for cryptographic signature and receive an indication that the document has been signed. The cryptographic signature can be generated with a digest of the document, the identity, and a cryptographic key associated with the user. The system can inspect the digest of the document, the cryptographic key, and the identity associated with the document to verify authenticity of the document and the identity of the user.
    Type: Grant
    Filed: September 12, 2023
    Date of Patent: February 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: David Lindley, Alexander Benetto Nagelberg, Maland Keith Mortensen, Joseph Gregory Delong, Shantanu K. Tripathy, Zachary T. Golden, Kevin D. Love, II, Brian Keith Anderson, Kasey T. Moore
  • Patent number: 12236431
    Abstract: A system and method for tasks assistance using a learning module comprising a knowledge graph and associated graph neural network is disclosed. The system can represent data using a knowledge graph, and generate embeddings of the knowledge graph for detecting latent patterns in the data that may be obscured in a high dimensional representation of the data. The system can more readily detect fraud patterns and take appropriate fraud limiting actions.
    Type: Grant
    Filed: August 27, 2021
    Date of Patent: February 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Vijay Jayapalan, Jeffrey David Calusinski
  • Patent number: 12236409
    Abstract: Image processing techniques can be used to determine whether a person has installed an unauthorized device on or in a kiosk. For example, an image processing server can determine whether a person's hand(s) are engaging in abnormal behavior by obtaining recorded images of the person's hand(s) that extend towards the kiosk to perform an action, and by comparing the information in the recorded images with a set of previously known information about other persons' hands that are similarly extended towards the kiosk.
    Type: Grant
    Filed: March 14, 2023
    Date of Patent: February 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Emily Kathleen Krebs, Stacy Callaway Huggar, Jeffrey Neal Pollack, Yevgeniy Viatcheslavovich Khmelev, Mark Anthony Lopez, Ryan Thomas Russell
  • Patent number: 12234665
    Abstract: A roof protecting system for protecting the roof of a building from hail damage. The roof protecting system includes a roof covering structure adapted to cover a portion of the roof and capable of holding a non-Newtonian dilatant fluid; a deployment system to dispose the roof covering structure onto the roof; and a delivery system for delivering the non-Newtonian dilatant fluid to the roof covering structure.
    Type: Grant
    Filed: October 31, 2023
    Date of Patent: February 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Cynthia Ann Hinojosa, Andrew Jacob Contreras, Lemont Williamson, Igor Alexandre Gregorio, Stephen Anthony Young, Jonathan Edward Seaton, Shirley Elizabeth Bunton, Shayna Dickson, Ric M. Pena
  • Patent number: 12229308
    Abstract: A data sharing system may facilitate sharing of data with third party systems. The data sharing request can be identified as being a potential privacy risk. To reduce the potential privacy risk, in one example, requested user data can be modified prior to sharing. The modified user data can be shared with the third party system rather than sharing unmodified user data.
    Type: Grant
    Filed: March 31, 2022
    Date of Patent: February 18, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Oscar Guerra, Megan Sarah Jennings, Dustin Bowen Bitter, Pooja Krishnaswamy, Donald Nathaniel Holloway, III, Nikhil Dama
  • Patent number: 12230089
    Abstract: An all-in-one multi-access device that provides access points for opening doors, using credit cards, obtaining and displaying tickets, storing information and other applications. The device may include one or more biometric sensors that ensure that it could only be used by an authorized person. In addition to providing keyless entry, the all-in-one multi-access device may also include a digital screen that can display information for credit cards, concert tickets, and airline tickets. In some embodiments, the device may include a magnetic strip and/or a chip to maintain backwards compatibility with older devices, such as magnetic strip readers and chip readers.
    Type: Grant
    Filed: March 1, 2022
    Date of Patent: February 18, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Pooja Krishnaswamy, Joel S Hartshorn, Ashley Raine Philbrick, Nolan Serrao