Patents Assigned to USAA
  • Streamlined property insurance application and renewal process
    Patent number: 11120506
    Abstract: Systems and methods to performing insurance-based actions using sensor data are provided. A computer-implemented method includes receiving sensor data from the one or more dwelling sensors configured to generate sensor data representative of one or more environmental characteristics of a dwelling; generating a dwelling assessment based upon the one or more environmental characteristics; determining potential insurance policy adjustments based upon the dwelling assessment; and presenting the potential insurance policy adjustments via an electronic communication.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: September 14, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, Mark Davis, Michael J. Allen, Spencer Read, Kathleen L. Swain
  • Method and system for automatically detecting a fence
    Patent number: 11113766
    Abstract: A system and method for automatically detecting fences on a premises are disclosed. The system and method use image data gathered from one or more sources, including satellite images and images from ground-based cameras. The images are analyzed using a machine learning system to detect a fence. The system and method can also automatically update a policy holder's insurance policy to reflect the presence of a fence on the premises.
    Type: Grant
    Filed: May 29, 2019
    Date of Patent: September 7, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kelly Q. Baker, Sumita T. Jonak, Will Kerns Maney
  • Dynamic precision queue routing
    Patent number: 11115536
    Abstract: Disclosed is a precision queuing (PQ) system that automatically and dynamically revises the values of precision queue step rules (PQSRs) with customizable thresholds based on current contact center conditions such as varying hours of operation and number of agents available.
    Type: Grant
    Filed: March 25, 2019
    Date of Patent: September 7, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventor: Joseph Reed Lewis
  • Systems and methods for container management
    Patent number: 11113090
    Abstract: A container management utility tool may deploy an object model that may persist one or more container dependencies, relationships, or a collection of containers that may represent a system function. Through a web front-end interface, for example, the containers may be started, stopped, or restarted in a specific order, and the tool automatically determines the additional containers that need to be started in order to maintain the integrity of the environment. Through the web interface, for example, the object model may be managed, and start-up orders, container dependencies, or collection maps of containers that represent a system function may be updated. For containers that may not start under load, the object model may block access to the containers until the containers are fully initialized.
    Type: Grant
    Filed: July 31, 2018
    Date of Patent: September 7, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher T. Wilkinson, Neelsen Edward Cyrus
  • Systems and methods for determining likelihood of traffic incident information
    Patent number: 11113551
    Abstract: A method includes receiving a first set of images from an image capture device of a vehicle. The method also includes performing a first analysis of movement of biomechanical points of occupants of the vehicle in the first set of images. The method further includes receiving an indication that a traffic incident has occurred. The method also includes receiving a second set of images from the image capture device corresponding to when the traffic incident occurred. The method further includes performing a second analysis of movement of the biomechanical points of the occupants in the second set of images. The method also includes determining a likelihood of injury or a severity of injury to the occupants based on the first analysis of movement and the second analysis of movement.
    Type: Grant
    Filed: January 3, 2020
    Date of Patent: September 7, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jess W. Gingrich, Manfred Amann, Eric David Schroeder
  • Determining appliance insurance coverage/products using informatic sensor data
    Patent number: 11113765
    Abstract: A computer device and method for processing risk related data to determine one or more insurance products for appliances and other systems located in or on an insured property. Informatic data is received from one or more informatic sensor devices relating to one or more appliances located in or on an insured property. Analysis is performed on the received informatic data to determine one or more insurance products to be recommended for at least one appliance located in or on the insured property. Notification is provided regarding determination of the one or more insurance products for the at least one appliance located in or on the insured property.
    Type: Grant
    Filed: January 11, 2018
    Date of Patent: September 7, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, Michael J. Allen, Spencer Read, David S. Franck, William M. Chandler, Daniela M. Wheeler, Kathleen L. Swain
  • Resolving technology issues
    Patent number: 11106524
    Abstract: Methods, systems, and storage media including instructions for resolving technology issues is described. One of the methods includes receiving, by at least one processor, a session record of user producing a technical error on a computer system. The method includes providing, by the at least one processor, the session record for resolution to a processing system. The method also includes providing, by the at least one processor, a potential solution to the technical error.
    Type: Grant
    Filed: November 1, 2018
    Date of Patent: August 31, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Rachel Elizabeth Csabi, Augustine Anthony Honore, Melissa Meadows Waldmeier, Joshua William Trivette
  • Autonomous services vehicles
    Patent number: 11107358
    Abstract: An autonomous vehicle including equipment configured to provide one or more services to a user in the presence of the vehicle. The vehicle 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 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.
    Type: Grant
    Filed: February 28, 2019
    Date of Patent: August 31, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ruthie D. Lyle
  • Vehicle liquid monitoring system and method
    Patent number: 11105231
    Abstract: A vehicle liquid testing system includes a liquid testing apparatus with a form factor of a dipstick. The system includes a sensor that detects a property of a fluid in a vehicle and emits a signal indicative of the property. A transmitter receives the signal from the sensor and transmits the signal. A controller receives the signal from the transmitter and compares the signal from the sensor to a threshold level to determine a condition of the fluid.
    Type: Grant
    Filed: November 29, 2018
    Date of Patent: August 31, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Zachery C. Lake, Kade L. Scott, Benjamin D. Ethington, Matthew T. Flachsbart, Cory A. Matheson
  • Systems and methods for detecting properties relating to building components
    Patent number: 11105735
    Abstract: Systems and methods of the present disclosure include at least one building component detection sensor device configured to be deployed within (or proximate to) a building comprised of a plurality of building components. The at least one building component detection sensor device is configured to detect data relating to at least one building component of the plurality of building components. In addition, a building component property determination system includes a processor configured to execute instructions stored in memory to determine one or more properties of the at least one building component based at least in part on the data detected by the at least one building component detection sensor device.
    Type: Grant
    Filed: February 19, 2020
    Date of Patent: August 31, 2021
    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, Yevgeniy Viatcheslavovich Khmelev, Oscar Guerra, Jeffrey Neal Pollack, Janelle Denice Dziuk, Ryan Thomas Russell, David Patrick Dixon
  • Mobile cash deposit system and method
    Patent number: 11107051
    Abstract: An electronic cash deposit system includes a processor that receives a user-generated request for a deposit of cash into an account, receive data generated from a scan of a machine-readable image on a receptacle that receives the cash, perform a validation of the deposit of the cash based on a correlation between the data generated from the scan and a transaction key, generate confirmation of the deposit of the cash when the validation is confirmed, and send a notification to a banking system to update the account to reflect the deposit of the cash in response to the confirmation being generated.
    Type: Grant
    Filed: December 5, 2019
    Date of Patent: August 31, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Yongxiang Hu, Diana Reyna, Aaron Lee Van Heldorf
  • Systems and methods for calling party authentication
    Patent number: 11100548
    Abstract: Methods and systems described in this disclosure are directed to authentication of calling parties. The authentication of calling parties applies to simultaneous voice and/or data communications with multiple parties over multiple electronic mediums including a variety of electronic devices. A user can continue to maintain a data exchange session with a representative of an entity offering the goods or services of interest to the user across more than one user device. In some embodiments, a user can invite other parties in a multi-party call involving the user and the representative. Various embodiments for multi-party and multi-device authentication mechanisms are described herein. In some embodiments, the system calculates an estimated call waiting time for a user to speak with the representative.
    Type: Grant
    Filed: April 3, 2017
    Date of Patent: August 24, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Emily Margaret Gray, Ross Andrew Thiele, David Alexander Lilley, Justin Dax Haslam, Brad D. Wells, Vijay Jayapalan, Debra Randall Casillas, Michael Patrick Bueche, Jr.
  • Systems and methods for detecting fraudulent calls using virtual assistants
    Patent number: 11102344
    Abstract: A system may include a processor that may execute computer-executable instructions that cause the processor to receive caller information regarding an incoming communication from a caller and receive a request from a user to route the incoming communication to a virtual assistant application. The virtual assistant application is configured to interact with the caller and determine whether the caller is associated a fraudulent caller activity stored on databases accessible by the processor. The processor may then receive an indication from the virtual assistant application that the caller is associated with the fraudulent caller activity and forward the incoming communication to another party in response to receiving the indication.
    Type: Grant
    Filed: January 24, 2020
    Date of Patent: August 24, 2021
    Assignee: United States 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
  • Method and system for automatically detecting use of an alarm system
    Patent number: 11100590
    Abstract: A system and method for automatically detecting if a home alarm system is being used and/or actively monitored are disclosed. The system and method use data gathered from one or more sensors, including audio information from microphones. The audio information is analyzed using a machine learning system to determine if the alarm system is being regularly used and monitored. The system and method can also automatically update a policy holder's insurance policy to reflect whether or not an alarm system is being used.
    Type: Grant
    Filed: May 29, 2019
    Date of Patent: August 24, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kelly Q. Baker, Sumita T. Jonak, Will Kerns Maney
  • Text savings
    Patent number: 11100512
    Abstract: Saving funds allows users to be prepared for emergencies and unexpected costs. In some embodiments, a text savings plan saves money by automatically identifying and transferring small amounts of money from a user's first account (e.g., checking account) to the user's second account (e.g., savings account, payee account). The text savings plan determines and transfers amounts based at least in part on the balance of the user's first account.
    Type: Grant
    Filed: May 18, 2018
    Date of Patent: August 24, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Christine Catsifas, Meagan Trahan, Ingeborg Burch, Jeremy Michael Grant, Sara S. Galvin, Luke James Gradeless
  • Crowd sourced training of an artificial intelligence system
    Patent number: 11093855
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for an crowd sourced training of an artificial intelligence system. One of the methods includes generating a training set using the customer communication information. The method includes training an artificial intelligence system using the training set. The method includes extracting at least one conversation pattern using the artificial intelligence system. The method includes the actions of instructing a chat application to process the at least one conversation pattern.
    Type: Grant
    Filed: January 24, 2017
    Date of Patent: August 17, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kevin K. Fiedler, Jeffrey William Gallagher, Justin Leggett
  • Providing an automated summary
    Patent number: 11094318
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media for summarizing a call. One of the methods includes generating text corresponding to processing audio produced during an interaction between two participants by executing natural language processing logic. The method includes identifying one or more topics by providing the generated text to a machine learning system, the machine learning system trained to identify topics based on text. The method also includes generating a summary of the interaction based on the one or more topics and the text.
    Type: Grant
    Filed: October 15, 2019
    Date of Patent: August 17, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Karl Erickson, David James Karle, Elizabeth Ann Guerrero, Andrew Hunter Davisson, Chelsea-Nicole Verzosa Mojica, Kinkel Rowan, Alexandria Yvonne Carlton, Christie Morales Ramirez
  • Authenticating mobile traffic
    Patent number: 11095630
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to authenticate mobile traffic. One of the methods includes receiving a first request for a strategy from a client device over a network. The method includes providing a current strategy to the client device, the current strategy including characteristics used to authenticate requests from the client device based on the inclusion of the characteristics in the request. The method includes receiving, from the client device, a second request for access to a processing system. The method includes validating the second request according to one or more strategies, including the current strategy. The method also includes forwarding the second request to the processing system based on the validation.
    Type: Grant
    Filed: January 29, 2018
    Date of Patent: August 17, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher Thomas Wilkinson, Gabriel Carlos Fernandez, Vicente Garcia, Gregory James McChesney, Matthew Thomas Murray, Rickey Dale Burks
  • Electronic sensor management
    Patent number: 11087404
    Abstract: A computer device and method for managing multiple electronic sensors is provided where a server received building condition data from a first sensor and analyzes the received data; upon the received data satisfying a threshold, the server activates a second sensor and receives a second set of building condition data and analyzes the received second set of data; upon the second set of data satisfying a second threshold, the server may determine a possible problem with the building and notify the homeowner; the server may further take corrective actions such as terminate the water or the electric supply for the building.
    Type: Grant
    Filed: February 2, 2018
    Date of Patent: August 10, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, Michael J. Allen, Spencer Read, Traci K. Uribe, Ina L. Jackson
  • Display panel portion with an animated graphical user interface
    Patent number: D928187
    Type: Grant
    Filed: August 23, 2018
    Date of Patent: August 17, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Adam David Pruitt, Joshua Allen Dillard, Cameron Philip Coury Sandage, Rebecca Ann Franks, Lauren Marie Segapeli, Sarah Marie Acevedo, Cory Steven Pickrel, David Leonardo Perez, Sarah Xiong, Isaac Nathan Holcomb, Denise Rodriquez Brown, Brooke Elaine Meharg