Patents Assigned to USAA
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Patent number: 11017474Abstract: Methods and systems described in this disclosure are directed at developing a life planner for a user based on data collected from various data sources. The life plan is displayed using a timeline that includes events generated from the collected data. As additional data is received, the timeline is updated to reflect the changes or additions to the data. In some embodiments, the life plan includes recommendations and predictions pertaining to a financial plan for the user based on his or her expenses and income.Type: GrantFiled: January 26, 2017Date of Patent: May 25, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Elizabeth Guerrero, Chase Nicholas Borden, Randal Lane Schnedler, Nitin Obhrai, Natalya Lohinova Jeffords, William H. Bloom
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Patent number: 11018867Abstract: Embodiments described herein disclose methods and systems for authorizing transactions received from client applications. The transaction request can include a first access token. After validating the first access token, the system can determine whether additional authentication is needed to authorize the transaction. If additional authentication is needed, the system can determine the authentication requirements. Once the additional authentication is received and verified, the system can generate a second access token and authorize the transaction by releasing the first access token.Type: GrantFiled: June 10, 2020Date of Patent: May 25, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Hoang Trung Vo, Hieu Nguyen
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Patent number: 11010808Abstract: A system may a processor that may receive image data of a vehicle via one or more image sensors and retrieve vehicle data regarding the vehicle from a vehicle database based on the image data. The vehicle database may include a first set of data regarding a plurality of vehicles. The processor may then retrieve financial data regarding a user from a financial database, such that the financial database includes a second set of data regarding financial information concerning the user. The processor may then determine one or more financial products associated with a purchase of the vehicle, generate one or more visualizations representative of the one or more financial products, and modify the image data depicted on a display to include the one or more visualizations.Type: GrantFiled: March 22, 2018Date of Patent: May 18, 2021Assignee: United Services Automobile Association (USAA)Inventors: Gary Don Bourn, Adrian Borunda, Josh Jason Medrano, Cale Riley Spratt, Austin Ray Graham, Doyle Russell Dennis, Jr., Kre-Sante Dior Gordon
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Patent number: 11010763Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for transmitting push notification data to a computing device, the push notification data being processable by the computing device to display a push notification, receiving biometric data, the biometric data being provided from user input responsive to the push notification, determining that a user providing the user input is authenticated at least partially based on the biometric data, and inducing execution of a transaction in response to determining that the user is authenticated.Type: GrantFiled: September 27, 2016Date of Patent: May 18, 2021Assignee: United Services Automobile Association (USAA)Inventor: Ryan Fillinger
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Patent number: 11010827Abstract: An integrated transaction platform facilitates a transaction, such as a purchase of a vehicle or other item. The platform provides a pre-negotiated purchase price for the item to facilitate a transaction to purchase the item from a seller, the transaction being substantially frictionless from the buyer's perspective. The pre-negotiation can involve a reverse auction process in which sellers bid to sell the item to a buyer. After the buyer has identified a particular item for purchase, sellers that have the item available are notified to provide a bid indicating a price at which the seller is willing to sell the item. The lowest bid is selected, and a purchase agreement is finalized based on the lowest bid. After the agreement is finalized, the buyer can accept delivery of the item without further negotiation with the seller, and thus with substantially reduced friction compared to traditional purchase scenarios.Type: GrantFiled: August 30, 2018Date of Patent: May 18, 2021Assignee: United Services Automobile Association (USAA)Inventors: Brian Latronico, Teresa A. Mays, Claudia Anne Luna, David Anthony Phelps, Kevin W. Thornley, Tracy Lent, James Malcolm Spears
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Patent number: 11010745Abstract: A system for receiving cash deposits at a point of sale includes a processor; a product inventory database; a communication interface; a product inventory item reader; and a purchase instrument reader. The processor is configured to receive a product code from the product inventory item reader; access the product inventory database to recognize the product code as a deposit product code; receive signals indicating an amount of a deposit associated with the deposit product code; receive signals from the purchase instrument reader identifying an account for the deposit; and send signals to a transaction processing network via the communication interface to thereby effect the deposit of the amount into the account.Type: GrantFiled: December 18, 2018Date of Patent: May 18, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Gunjan Vijayvergia, Bharat Prasad
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Patent number: 11011176Abstract: Techniques are described for generating a custom voice for a virtual agent. In one implementations, a method includes receiving information identifying a customer contacting a call center. The method includes selecting a voice for a virtual agent based on information about the customer. The method also includes assigning the voice to the virtual agent during communications with the customer.Type: GrantFiled: July 9, 2020Date of Patent: May 18, 2021Assignee: United Services Automobile Association (USAA)Inventors: David Charles Hardage, Megan Sarah Jennings, Samantha Sprague, Joseph Kasonde, Abrham Tibebu Workineh, Alejandra Valles, Nelson Thomas Hittner
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Patent number: 11010922Abstract: A data acquisition system of a vehicle includes an image capture device, a communication interface, and a controller communicatively coupled to the image capture device and communicatively coupled to the communication interface. Processors of the controller are configured to calibrate an image-distance relationship value of an identified component of a first image captured by the image capture device corresponding to a known feature based on established metrics of the known feature. The processors are also configured to provide control of the vehicle or activation of an alert system of the vehicle via the communication interface based on the image-distance relationship value.Type: GrantFiled: October 30, 2017Date of Patent: May 18, 2021Assignee: United Services Automobile Association (USAA)Inventor: Jess W. Gingrich
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Patent number: 11012836Abstract: A system includes a first information exchange device associated with a first automobile, where the first information exchange device is configured to provide a first data set indicative of first information relating to the first automobile. The system includes a second information exchange device associated with a second automobile, where the second information exchange device is configured to provide a second data set indicative of second information relating to the second automobile. The system also includes one or more officiating components configured to, based on a determination that the first data set and the second data set meet a threshold data requirement, transmit a third data set indicative of third information relating to the first automobile to the second information exchange device, and a fourth data set indicative of fourth information relating to the second automobile to the first information exchange device.Type: GrantFiled: May 7, 2020Date of Patent: May 18, 2021Assignee: United Services Automobile Association (USAA)Inventor: Nilay Yalesh Modi
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Patent number: 11012572Abstract: Methods and systems for routing multimedia traffic are described. A method may include receiving a communication originating from a user, transposing an alias transport network over one or more existing networks to route the communication, and routing the communication based on mapping rules.Type: GrantFiled: June 22, 2020Date of Patent: May 18, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Vijay Jayapalan, Susan Blake, Frederick Eugene Diehl, Jr., Jerry Scott Beene, Michael Sjolander
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Patent number: 11012300Abstract: Techniques are described for providing a simultaneous, multi-device user experience for one or more users, on computing devices that include different capabilities for data input and/or data output. A user may register multiple devices with a service, and the service may determine capabilities of the devices for data input and data output. During a communication session involving the user and another user, such as a service representative, the service may receive input data collected through one or more devices and/or provide output data to be presented on one or more devices, where such data input and data output is received and provided according to the various input/output capabilities of the various devices. The data input and/or data output may switch from device to device during a session. In some instances, data may be replicated for presentation through multiple devices simultaneously.Type: GrantFiled: March 9, 2020Date of Patent: May 18, 2021Assignee: United Services Automobile Association (USAA)Inventors: Michael Joseph Gaeta, Gunjan Vijayvergia, Nathan Mahoney
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Patent number: 11012571Abstract: Methods and systems for routing calls based on a minimum expected delay, classification, and priority of the call are provided. In some embodiments, when a call is received, the call is classified and prioritized within the classification. A minimum expected delay time is determined. Based on the minimum expected delay time, the classification, and the prioritization, the call is routed to a representative with instructions on how the call should be treated.Type: GrantFiled: May 21, 2020Date of Patent: May 18, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Peter H. McKenna, Darrius M. Jones, Kory Michael Upton, Enrique Tamayo, Allen J. Guidry, Julio Estevez-Breton
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Patent number: 11012564Abstract: A call processing system and method for providing a secondary information channel to a caller. Upon reception of a call from a caller to a customer service representative on a primary access channel determine a device (secondary device) associated with the caller that is separate from the device the caller is using for the primary access channel. The secondary device is to be used to provide a secondary information access channel. The secondary information access channel is complimentary to the primary access channel between the caller and the customer service representative and is utilized to deliver information content to the caller and/or provide other services supportive of the conversation with the company service representative.Type: GrantFiled: August 5, 2019Date of Patent: May 18, 2021Assignee: United Services Automobile Association (“USAA”)Inventor: John R. Harris
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Patent number: 11004166Abstract: Methods and systems described in this disclosure create a legacy account for a user and an electronic storage unit or space associated with the legacy account. Documents received into the electronic storage unit or space are tagged with an access designation designating who has access to the documents and when the documents can be accessed. In response to receiving an indication of a passing of the user, the legacy account can be designated as an estate account and the access to the documents can be changed in accordance with the access designation and the designation of the legacy account as the estate account.Type: GrantFiled: October 11, 2016Date of Patent: May 11, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventor: Monica Murray
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Patent number: 11005862Abstract: Disclosed herein are systems and methods executing a security server that perform various processes using alert elements containing various data fields indicating threats of fraud or attempts to penetrate an enterprise network. Using alert elements, the security server generate integrated alerts that are associated with customers of the system and assign a risk score for the integrated alerts, which the security server uses to store and sort the integrated alerts according to a priority, based on the relative risk scores. Analyst computers may query and fetch integrated alerts from an integrate alert database, and then present the integrate alerts to be addressed by an analyst according to the priority level of the respective integrated alerts. This allows to ensure that the right customer, is worked by the right analyst, at the right time, to maximize fraud prevention and minimize customer impact.Type: GrantFiled: February 20, 2020Date of Patent: May 11, 2021Assignee: United Services Automobile Association (USAA)Inventors: Jansey Comeaux, Michael Scott McQuarrie, Gregory Sansone, Veronica Santiago
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Methods for simultaneous interaction on a web page by a customer and customer service representative
Patent number: 10999437Abstract: A computer-implemented method and system for enhancing interaction between a customer using a client computer and a customer service representative of a company using a workstation. A Web session is commenced on a Web site for the client computer of the customer, wherein the Web session includes displaying a first Web page to the customer. A telephonic interaction is commenced between the customer and the customer service representative and a split screen is displayed on the workstation. The split screen including the first Web page and a second Web page, wherein the second Web page is only viewable by the customer service representative. An application is caused to be moved from the second Web page to the first Web page for review and interaction by the customer via the client computer.Type: GrantFiled: June 26, 2020Date of Patent: May 4, 2021Assignee: United Services Automobile Association (“USAA”)Inventors: Guy R. Langley, Jason W. Lindley, Donald H. Griffin, Jr., Elizabeth Garretson, Ryan R. Barth, Francisco A. Duran, Ann C. Tarrillion, David W. Roberts -
Patent number: 10997664Abstract: A system may include one or more sensors that acquire location information associated with the one or more sensors. The system may also include a processor that receives a first set of data comprising environmental information associated with a location, receives the location information from the one or more sensors, and determines whether a risk of damage to property associated with at least one of the one or more sensors is greater then a threshold based on the location information and the environmental information. When the risk is greater than the threshold, the processor may send a notification including the risk of damage to the property to a computing device that may provide an audio or visual indication of the notification.Type: GrantFiled: July 14, 2016Date of Patent: May 4, 2021Assignee: United Services Automobile Association (USAA)Inventors: Richard McAlister, Susan Dunham, Randall Yarbrough, Anthony Bishop
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Patent number: 10999441Abstract: Disclosed herein are a system, method, and computer-readable medium with instructions for recommending a service provider based on a user's approximate current location. The service provider may be recommended for a service that is verified under a user's insurance policy and is also within proximity to the user's approximate current location. The user's approximate current location may be determined by location-based technology. The entity that receives and/or recommends the service provider may initiate a request for the service from the service provider. Further embodiments are related to routing a call to provide information to the user that is responsive to the user's location-relevant request. For example, systems, such as an automotive telematics system, may request information and be routed to the appropriate division of a user's insurance provider such that the automotive telematics system can provide services to the user that are user-specific (e.g., covered by the user's insurance policy).Type: GrantFiled: December 27, 2018Date of Patent: May 4, 2021Assignee: United Services Automobile Association (USAA)Inventor: Charles Lee Oakes
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Patent number: 10997216Abstract: Embodiments disclosed herein describe systems and methods to generate statuses of higher level integrated logical clusters from one or more output files generated by the clusterwares of a plurality of lower level physical clusters. The systems and methods provide an interactive dashboard graphical user interface (GUI) rendering the statuses of the higher level logical clusters. In response to a drill down selection by the system administrator, the systems and methods may render resource level statuses of the plurality of resources forming the higher level logical cluster. Therefore, by using a single dashboard, a system administrator can seamlessly transition between statuses at different level of abstractions for multiple resources distributed across multiple geographically diverse datacenters. Furthermore, the dashboard allows the system administrator to perform failover operations.Type: GrantFiled: April 17, 2018Date of Patent: May 4, 2021Assignee: United Services Automobile Association (USAA)Inventors: Jose Puente, Philip Hansen, Jason Patrick Picarazzi, Armondo Elias Ortega, James Joseph Forrester, Prasad Lakshmipathy
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Patent number: 10990976Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.Type: GrantFiled: December 20, 2017Date of Patent: April 27, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Jeffrey Walton Easley, Melanie Lynn Thompson, Brian Hurtak, Patrick Lugo