Patents Assigned to USAA
  • Patent number: 11138673
    Abstract: Intelligent micro devices on a vehicle can be scanned or read using a reading device. A map or data indicative of the micro devices on the vehicle can be generated by scanning the vehicle. The data or map may be used to determine loss or transfer of one or more micro devices on the vehicle. An accident associated with the vehicle can be determined based on loss or transfer of one or more the micro devices. The micro devices can store data associated with the vehicle, including an identity of the vehicle and a history of the vehicle. The micro devices can be read to determine the identity of the vehicle or another vehicle involved in the accident.
    Type: Grant
    Filed: July 7, 2020
    Date of Patent: October 5, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Reynaldo Medina, III, Michael P. Bueche, Jr.
  • Patent number: 11134150
    Abstract: A system and method for assisting with interactions between agents and customers using an artificially intelligent assistant is disclosed. The artificially intelligent assistant monitors interactions between agents and customers and identifies assistive actions to be taken that increase efficiency of the interaction as well as customer satisfaction. The artificially intelligent agent can also identify new communication modes appropriate for assistive actions, allowing agents to seamlessly communicate with customers over a wide range of different communication modes, such as phone calls, texts, emails and other messaging applications.
    Type: Grant
    Filed: April 6, 2020
    Date of Patent: September 28, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventor: Jerry John Maestas
  • Patent number: 11131597
    Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium for receiving an indication of damage to a building from a sensor network associated with the building, where the sensor network is responsive to damage to the building. Determining a location and an extent of the damage to the building based on the indication of damage. Automatically coordinating a repair for the damage in response to determining the location and the extent of the damage.
    Type: Grant
    Filed: December 21, 2016
    Date of Patent: September 28, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Bradly Jay Billman, Gianna Weingarden, Nicole Ferretti, Cory Matheson
  • Patent number: 11132860
    Abstract: A mobile medical supplies distribution system may include a transportable chassis and a service compartment configured to house a medical supplies distribution service agent. In addition, the system may include a supply of select medical supplies.
    Type: Grant
    Filed: April 5, 2019
    Date of Patent: September 28, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Meredith Beveridge Lecocke, Michael J. Maciolek, Robert Wiseman Simpson, Daniel Christopher Bitsis, Jr., Bobby Lawrence Mohs, Manfred Amann, Emily Margaret Gray, Donnette Moncrief Brown
  • Patent number: 11132653
    Abstract: Techniques are described for using a supplemental data layer of a real time payments channel to send data. For example, an entity may request a transaction with another entity, and the transaction may be performed using a channel that includes a supplemental data layer. Supplemental data, in addition to the data for the transaction itself, may be communicated using the supplemental data layer to entities involved in the transaction, and/or to third parties. The supplemental data may be sent in real time with respect to the sending of the data for the transaction. In some instances, supplemental data layer is present in one or both directions in the two-way communications between the entities involved in the transaction. The supplemental data layer can be leveraged to provide additional information and/or services to a user involved in the transaction.
    Type: Grant
    Filed: March 8, 2018
    Date of Patent: September 28, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Dorothy Jean Bolt, Michael L. Hertz, Joseph Matthew Doddato, Gunjan C. Vijayvergia, James Malcolm Spears
  • Patent number: 11133010
    Abstract: Techniques are described for providing information during a service session, using an intelligent agent. The intelligent agent executes as a process to monitor communications exchanged during a service session between an individual and a service representative (SR) within a service environment. The agent analyzes the communications to identify questions or other topics that are posed by the individual during the service session. The agent retrieves stored data related to such questions or other topics, and generates a message to address each question or other topic. The message is injected into the service session to be presented to the individual, to supplement the conversation that is taking place between the SR and the individual. In some implementations, the agent monitors the communications, generates the message, and/or injects the message into the service session at least partly autonomously of any explicit action taken by the SR.
    Type: Grant
    Filed: January 23, 2018
    Date of Patent: September 28, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Waldmeier, Yuibi Fujimoto
  • Patent number: 11131553
    Abstract: A system and method for monitoring driving conditions and reacting to the driving conditions is disclosed. The system includes a risk monitoring system that can detect adverse road conditions. The method includes performing rerouting when hazardous road conditions are detected. The vehicle may be routed along a different route that lacks the hazardous road condition. The method also includes providing feedback to the driver when adverse driver behavior, such as a drowsy driver, is detected.
    Type: Grant
    Filed: December 23, 2019
    Date of Patent: September 28, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ruthie D. Lyle, Gregory Brian Meyer, Sean Carl Mitchem, Will Kerns Maney, Jr., Deborah Janette Schulz, Bryan J. Osterkamp, Timothy Blair Chalmers
  • Patent number: 11132678
    Abstract: A system, method, and computer-usable medium are disclosed for managing financial transactions by controlling the purchase of allowed and disallowed purchase items. A transaction control card is used to purchase a purchase item. Account information related to the transaction control card and purchase item data related to the purchase item is then processed to determine whether the purchase item is disallowed for purchase by any single, or combination of, disallowed purchase item data parameters.
    Type: Grant
    Filed: January 25, 2019
    Date of Patent: September 28, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Reynaldo Medina, III, Arthur Q. Smith, John C. Hopkins, Bradly J. Billman, Teddy Voutour
  • Patent number: 11127078
    Abstract: Embodiments of the present invention provide methods, systems, and computer-readable storage medium for providing personalized navigation control items of an application. In an embodiment, a method includes receiving, from a user, at least one identification element of the user on a page of the application via a mobile computing device. The method includes transmitting, to a financial institution system, the user's identification element. Upon authenticating the user by the financial institution system, the method further includes receiving, at the mobile computing device, information related to personalization of navigation control items associated with a plurality of service sections of the application. The personalization of the navigation control items are generated by applying business rules to user data by the financial institution system. The navigation control items that personalized for the user's convenience and need are displayed on a page of the application on the mobile computing device.
    Type: Grant
    Filed: August 28, 2017
    Date of Patent: September 21, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jeremy Fisher, Joshua Goforth
  • Patent number: 11127008
    Abstract: Systems and methods for processing checks using 2D barcodes are provided. A user submits a digital image of a check that includes a 2D barcode. The 2D barcode has embedded positional information of one or more check features which can be decoded. The 2D barcode can include one or more check parameters. These check parameters can be decoded and used for processing, verification, and/or fraud prevention. Examples of check parameters can include an account indicator if the check is drawn from a business account or a personal account, a maximum amount allowed on the check, account information, a government identifier, or an electronic watermark. The user can submit the digital image of the check to a check processing system.
    Type: Grant
    Filed: June 18, 2020
    Date of Patent: September 21, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Andre Rene Buentello, Sharon Kay Haverlah
  • Patent number: 11125800
    Abstract: A power outage detection system may include a device processor; and a non-transitory computer readable medium including instructions executable by the device processor to perform the following steps: receiving information indicative of the status of electrical power at a plurality of locations within a geographic region; determining the status of electrical power in the geographic region based on the status of electrical power at the plurality of locations; and sending information regarding the status of electrical power to a plurality of users of the system.
    Type: Grant
    Filed: April 5, 2019
    Date of Patent: September 21, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Meredith Beveridge Lecocke, Michael J. Maciolek, Robert Wiseman Simpson, Daniel Christopher Bitsis, Jr., Bobby Lawrence Mohs, Manfred Amann, Emily Margaret Gray, Donnette Moncrief Brown
  • Patent number: 11127075
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media for an automated financial management system. One of the methods includes receiving data indicating a list of historic transactions of a user from a plurality of financial institutions. The method includes identifying at least one predicted unexpected expense based on providing at least some of the data to a trained machine-learning model, the trained machine-learning model trained using historic transaction data of a plurality of other users. The method includes determining a plan to account for the unexpected expense. The method also includes automatically transferring an amount based on the plan.
    Type: Grant
    Filed: September 27, 2019
    Date of Patent: September 21, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Nathan Mahoney, Luis Daniel Silva, Gunjan C. Vijayvergia, Jason Paul Hendry
  • Patent number: 11125565
    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: June 22, 2020
    Date of Patent: September 21, 2021
    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: 11128994
    Abstract: Methods and systems described in this disclosure are directed to creating a profile for a user that includes information content rules and information delivery rules. Upon detecting a triggering event, a set of information is created for the user based on the information content rules. The information is delivered to the user according to the information delivery rules.
    Type: Grant
    Filed: November 21, 2019
    Date of Patent: September 21, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Sakina Hassonjee Sharp, JoAnn Trevino, Scott Shreder, Roland Edmiston, Kristin Koch, Nicholas Manzoli
  • Patent number: 11122137
    Abstract: A system and method for determining and storing website data from one or more high traffic websites in a cache using a router during an event at an event location for access by mobile computing devices is disclosed. The method may include determining one or more high traffic websites from the plurality of websites accessed by the users through the mobile computing devices at the event location, storing the website data from the one or more high traffic websites in the cache, and directing the mobile computing devices at the event location to access the website data from the cache instead of from the one or more high traffic websites to reduce a load on one or more base stations of the cellular network configured to communicate with the one or more high traffic websites.
    Type: Grant
    Filed: July 30, 2020
    Date of Patent: September 14, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Gregory Brian Meyer, Mark Anthony Lopez, Ravi Durairaj, Nolan Serrao, Victor Kwak, Ryan Thomas Russell, Christopher Russell, Ruthie D. Lyle
  • Patent number: 11120450
    Abstract: Techniques are described for determining account features based on a risk assessment. A first set of account features may be determined, including security feature(s) such as mode(s) for authenticating and/or verifying the identity of a user associated with account(s). Based on the first set of features, a risk metric may be determined for the account(s). The risk metric may indicate a risk that fraud may be committed against the account or using the account. Based on the determined risk metric, a second set of account features may be determined for the account(s). The first and second sets of account feature(s) may be applied to the account(s). Disabling a particular feature may cause a reevaluation of the risk metric and a redetermination of the feature sets to be applied to the account(s).
    Type: Grant
    Filed: May 11, 2017
    Date of Patent: September 14, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Thomas Bret Buckingham, Jonathan G. Walters, Jeffrey Walton Easley, Lee Adams
  • Patent number: 11122038
    Abstract: Embodiments disclosed herein may relate to systems and methods for secure authentication that enable a user to set up an account or log in an existing account upon an existing user vouching for the user. Embodiments disclosed herein comprise a central server that verifies one or more attributes of the user by transmitting multiple decentralized verification notifications to multiple existing users. Upon receiving a verification quorum, the server may then authenticate the user and grant the user access to a network and/or a database.
    Type: Grant
    Filed: May 18, 2018
    Date of Patent: September 14, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Corinne Schuster, Gabriel Carlos Fernandez, Ameer A. Noorani
  • Patent number: 11119489
    Abstract: A system configured to cause a vehicle to autonomously maneuver to a safe haven during a triggering event includes a communication component configured to receive parameters corresponding with conditions of the triggering event and, based on the parameters and on characteristics of the safe haven, instruct the vehicle to maneuver to the safe haven.
    Type: Grant
    Filed: July 12, 2017
    Date of Patent: September 14, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Alexander B. Nagelberg, Bradly Jay Billman, Donnette L. Moncrief Brown
  • Patent number: 11120010
    Abstract: A hosts file manager is provided that displays a user interface with a list of selectable server groups. The list may comprise, for example, identifications server groups. Each server group corresponds to an IP address, and the hosts file manager has access to such IP address data. A user selection of a first server group may be made and received via said user interface. A computer's hosts file may then be modified to correlate a hostname with an IP address of the selected server group.
    Type: Grant
    Filed: September 9, 2019
    Date of Patent: September 14, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventor: Luis Landivar
  • Patent number: 11121983
    Abstract: Systems and methods provide a reactive throttle architecture for managing traffic to shared resources. A system comprises an interface subsystem configured to communicate with a client operatively coupled with a resource, an implementation subsystem configured to throttle traffic from the client to the resource based on a throttling policy, a monitor subsystem configured to monitor resource performance, and a policy subsystem configured to define the throttling policy based on a performance of the resource and a lane of the client.
    Type: Grant
    Filed: March 20, 2019
    Date of Patent: September 14, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jason Edwards, Jami Renee Delgadillo, Valeria Rodriguez Garza, Vamshi Mohan Gobburu, Annat Rosenthal, Britton Mims Ware, IV