Patents Assigned to USAA
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Patent number: 12169132Abstract: A system and method for using gaming as a tool to determine optimum routes through areas that have experienced a disaster are provided. Due to the disaster, an area may have some destroyed roads and other infrastructure. In one embodiment, input data collected from people on the ground, drones, and other aerial vehicles can be used to generate a virtual simulation of the area. The virtual area may include renderings of destroyed roads and infrastructure. Once created, the virtual area may be uploaded to an online gaming environment where users can participate in online games that permit them to find the best routes through the virtual area between starting and destination points. Once optimal routes are found, the system may send these routes to navigation systems used by rescuers and other people in the area to help them navigate the disaster area.Type: GrantFiled: October 28, 2022Date of Patent: December 17, 2024Assignee: United Services Automobile Association (USAA)Inventors: Jennifer Marie Chandler-Bradley, Gabrielle Diane Salazar, Ivan Ortiz, Yevgeniy Viatcheslavovich Khmelev, Carol Lyn Lawrence, Keegan Patrick Hayes, Gregory Brian Meyer
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Patent number: 12169843Abstract: Disclosed herein are systems and methods capable of establishing a communication session between a user and an analyst. The contents of the communication session are analyzed to make recommendations of goods and services to the user. Otherwise, the communication session may be redirected from one channel, for example, chatting to another channel, for example, voice call, to another analyst. The user's information and the communication session details are retained, and provided to another analyst before the user is redirected. Such systems, apparatuses, methods, and computer program products use real-time machine learning scoring algorithm to determine which analyst the users should be transferred to, and thereby saving a lot of time for both the analysts and the users, and significantly reduce misroutes by eliminating human errors.Type: GrantFiled: October 27, 2022Date of Patent: December 17, 2024Assignee: United Services Automobile Association (USAA)Inventors: Yuibi Fujimoto, Michael James Waldmeier, Gage Robert Lynch
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Patent number: 12170674Abstract: Systems and techniques are provided herein to an agentless Information Technology (IT) asset management system that automatically identifies and executes remedial actions independent of a client-side agent installed on the client system. In particular, artificial intelligence is used to trigger agentless actions via one or more application programming interfaces (APIs). The APIs trigger services that interface directly with operating system supported functionalities to manage IT assets.Type: GrantFiled: June 7, 2022Date of Patent: December 17, 2024Assignee: United Services Automobile Association (USAA)Inventors: Joshua Jesse Dowdy, Nathan Ryan Johnson, Matthew James Mosher
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Patent number: 12169804Abstract: A method and system of providing users with dynamic content about a specific task during access of an application based on previous in-app activity by the app's community of users for the task. The system identifies experienced user activity that represents an efficient performance of the task. The activity is stored in a repository for use by a dynamic content generation module. When subsequent users appear to need assistance in performing the task, the system can present content that is based on the more experienced users' activity. As additional data is collected, this content can be updated.Type: GrantFiled: March 31, 2022Date of Patent: December 17, 2024Assignee: United Services Automobile Association (USAA)Inventors: Eric Jason Grenet, Brian Christopher Hawes, Paul Christopher Blanchard, Phillip E. Marks, Jeffrey Walton Easley, Douglas Austin Johnson, Katrina Marie Zell, Julia Yilan Kennedy, Lawrence Paul McDermott, Jr., David Morley, Christopher Collin Campbell
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Patent number: 12170659Abstract: A multi-factor authentication technique can use multiple smart devices to determine whether a person is authenticated by minimizing the extent to which the person is expected to interact with his or her smart devices. In an example multi-factor authentication method comprises performing a first determination, that a first mobile device is located within a wireless range of a device, obtaining a unique identifier from the first mobile device, sending, to a server, the unique identifier, receiving, from the server, information that indicates a first authentication technique and a second authentication technique, performing a second determination that the person is authenticated by successfully performing the first authentication technique with the first mobile device and by successfully performing the second authentication technique with the second mobile device, and performing a final authentication operation in response to performing the second determination.Type: GrantFiled: April 27, 2021Date of Patent: December 17, 2024Assignee: United Services Automobile Association (USAA)Inventors: Ravi Durairaj, Robert Andrew Massie, Christopher Edward Flores, Phillip E Marks, David Joaquin Harris, Oscar Guerra, Justin Royell Nash, Pradeep Mangalagiri, Luis Eduardo Santana
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Patent number: 12166642Abstract: Embodiments are described herein for systems and methods for continuously monitoring a network structure of one or more networks using a cloud-based network monitoring system, and rearranging, using the cloud-based network monitoring system, the network structure of the one or more networks to protect confidential and/or prioritized assets of the one or more networks based at least in part on the monitoring of the network structure of the one or more networks. In certain embodiments, the cloud-based network monitoring system is configured to continuously monitor a network structure of one or more networks, and to automatically rearrange the network structure of the one or more networks to protect confidential and/or prioritized assets of the one or more networks based at least in part on the continuous monitoring of the network structure of the one or more networks.Type: GrantFiled: June 1, 2023Date of Patent: December 10, 2024Assignee: United Services Automobile Association (USAA)Inventor: Timothy Blair Chalmers
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Patent number: 12166783Abstract: A keyboard detection system, that includes a processor that operates to detect at least one anomaly in input data and determine a correlation between the at least one anomaly and a characteristic of an inconsistent keyboard type. The processor may operate to determine the correlation between the at least one anomaly and the characteristic of the inconsistent keyboard type based on a lookup table or algorithm.Type: GrantFiled: December 19, 2023Date of Patent: December 10, 2024Assignee: United Services Automobile Association (USAA)Inventors: Billy Dwayne Carlisle, Robert Jason Neel
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Patent number: 12165455Abstract: An enrollment data management system includes one or more processors and memory storing instructions executable by the one or more processors to cause the one or more processors to receive sensor data from one or more sensors located at a property, wherein the sensor data indicates a plurality of individual detection events that each indicate presence of an individual at the property. The instructions are executable by the one or more processors to cause the one or more processors to analyze the sensor data to determine that the property qualifies as a residence of the individual, access information relevant to the property from one or more databases, utilize the information relevant to the property as enrollment information for an enrollment process for the individual.Type: GrantFiled: September 28, 2023Date of Patent: December 10, 2024Assignee: United Services Automobile Association (USAA)Inventors: Gabrielle Diane Salazar, Dustin Bowen Bitter, Mitzi Ruiz, Jeanie Graciela Lopez, Oscar Guerra, William Daniel Farmer, Jennifer Marie Chandler-Bradley
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Patent number: 12165214Abstract: Methods and systems for configuring non-contemporaneous analytics. An application is received from a consumer for a life insurance policy. An indication is sent to the consumer agreeing to activate the life insurance policy upon receipt of a notification of an activation trigger. An activation trigger is received and the policy is activated.Type: GrantFiled: April 3, 2023Date of Patent: December 10, 2024Assignee: United Services Automobile Association (USAA)Inventors: William S. White, Jeremy S. May, Matthew J. Kosub, Sean W. Bell, Greg A. Riedel
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Patent number: 12165105Abstract: The present embodiments relate to automatic claim value generation. Particularly, the present embodiments include retrieving information from various sources and processing the data to derive an overview of damage to vehicles incurred during a vehicle accident, deriving an estimated value (or “cost”) to rectify the damage, and a client-specific claim value to be presented to the client representing a value to rectify the damage based on a policy corresponding to the client. The present embodiments provide an automated (or “touchless”) claim value payout system to provide a claim value specific to the client and the accident incurred by the client that is performed by a computing device without intervention by an operator.Type: GrantFiled: May 29, 2020Date of Patent: December 10, 2024Assignee: United Services Automobile Association (USAA)Inventors: William Daniel Farmer, Andre Rene Buentello, Jose L. Romero, Jr., Priyadarshini Badugu, Will Kerns Maney, Elena Marie Carrasco, David Patrick Dixon, Subhalakshmi Selvam
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Patent number: 12165212Abstract: Techniques utilize augmented reality to identify anomalies in properties or structures based thereon. Augmented reality video glasses can be authenticated and provided stored data of a property in an undamaged state. Imagery of the property can be collected using the augmented reality video glasses. An anomaly associated with the property can be determined.Type: GrantFiled: December 2, 2022Date of Patent: December 10, 2024Assignee: United Services Automobile Association (USAA)Inventors: Florian Braun, Andre Buentello, George MacNair, Sharon Haverlah, John Chandler Hopkins, III
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Patent number: 12166789Abstract: Systems, methods, and products are configured for receiving a request from a first electronic device to connect to a first network and determining an electronic communication protocol of the first electronic device. A database can be queried to identify a communication protocol restriction corresponding to the electronic communication protocol of the first electronic device and connecting the first electronic device to a subnetwork. Continuous monitoring of data traffic can be performed to identify data packets transmitted from the first electronic device to a second electronic device can be performed, and, upon identifying at least one data packet transmitted from the first electronic device to the second electronic device, the connection between the first electronic device and the second electronic device can be terminated.Type: GrantFiled: May 13, 2021Date of Patent: December 10, 2024Assignee: United Services Automobile Association (USAA)Inventors: Ryan Russell, Thomas Francis Powers
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Patent number: 12165113Abstract: Embodiments are described herein for systems and methods for authenticating tokenized and/or dynamic physical checks, and authorizing transfers of funds in response to the authentication. In particular, in certain embodiments, a method includes identifying, using at least one processor, a dynamic authentication code of a physical check. The method also includes automatically authenticating, using the at least one processor, the physical check based at least in part on the identified dynamic authentication code. The method further includes automatically authorizing, using the at least one processor, a transfer of funds in response to the authentication of the physical check.Type: GrantFiled: July 24, 2023Date of Patent: December 10, 2024Assignee: United Services Automobile Association (USAA)Inventors: Bradly Jay Billman, Jennifer Hunt Erickson
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Patent number: 12159310Abstract: 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: GrantFiled: March 1, 2024Date of Patent: December 3, 2024Assignee: United Services Automobile Association (USAA)Inventors: Michael Patrick Bueche, Jr., Bharat Prasad, Minya Liang, Reynaldo Medina, Charles Lee Oakes, III
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Patent number: 12159126Abstract: Techniques are provided herein to identify unused computer code in a computer code corpus. Execution tracking characteristics may be used to identify unused code branches within the computer code corpus. A notification may be provided, indicating the unused code along with an option for easy removal.Type: GrantFiled: July 18, 2022Date of Patent: December 3, 2024Assignee: United Services Automobile Association (USAA)Inventors: David M. Jones, Jr., Robert Lee Black, Timothy Blair Chalmers, Gideon Bowie Luck, Sumita T. Jonak, Ana Rosa Maldonado, Oscar Roberto Tijerina
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Patent number: 12159315Abstract: Systems and methods are described for managing fleet services. Managing fleet services includes calculating a payment range, outputting a first presentation including the payment range and information identifying the at least one vehicle, receiving a selection of the at least one vehicle by the entity, generating an insurance policy for the at least one vehicle based on the payment range, and enabling at least one telematics unit of the at least one vehicle based on generating the insurance policy.Type: GrantFiled: June 24, 2022Date of Patent: December 3, 2024Assignee: United Services Automobile Association (USAA)Inventors: Peter D. Raubenheimer, James M. Spears, Crystal J. Taylor
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Patent number: 12158962Abstract: Systems, methods, and non-transitory computer-readable media for managing data in view of data controls are provided. A request can be received from a client located in a jurisdiction to utilize a portion of data with a service. Based on a rule applicable to the jurisdiction, it can be determined that the service to utilize the portion of data is unavailable in the jurisdiction. To comply with the rule, a virtualized instance of the service can be deployed on hardware in the jurisdiction.Type: GrantFiled: June 7, 2023Date of Patent: December 3, 2024Assignee: United Services Automobile Association (USAA)Inventors: Ashley Philbrick, Justin Jackson, Sean C. Mitchem, Yevgeniy Khmelev, Ruthie Lyle, Ravi Durairaj
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Patent number: 12160430Abstract: Embodiments are described herein for systems and methods for continuously monitoring an electronic device to determine if tampering is possibly occurring with respect to the electronic device. For example, in certain embodiments, a hardware monitoring device may be configured to be communicatively coupled to the electronic device, and to transmit a command signal indicative of a network connectivity alarm to the electronic device in response to detecting that the hardware monitoring device has lost connection with a communication network. In addition, in certain embodiments, the hardware monitoring device may also be configured to indirectly couple the electronic device to a power source, and to transmit a command signal indicative of a tampering alarm in response to detecting that the hardware monitoring device has lost connection with the power source.Type: GrantFiled: June 22, 2021Date of Patent: December 3, 2024Assignee: United Services Automobile Association (USAA)Inventors: Thomas Wayne Schwarz, Jr., Sean Carl Mitchem, Timothy Blair Chalmers, Robert Lee Black, Gideon Bowie Luck
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Patent number: 12160420Abstract: Techniques provided herein relate to electronic data access requests. An access system receives at least one electronic data action request from a client. At least a portion of the data access authentication information is sourced from a secondary device connected to an intermediary device. The electronic data action request is authenticated based upon the data access authentication information.Type: GrantFiled: July 5, 2023Date of Patent: December 3, 2024Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Vijay Jayapalan, Thomas Bret Buckingham
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Patent number: 12157427Abstract: The present disclosure relates generally to aggregation of data associated with events related to automotive vehicles. Automotive vehicles may include a variety of sensing devices used in local sensing operations. However, these sensing devices may not be leveraged beyond the local sensing operations. When automotive vehicles are operated, sometimes events occur. As discussed herein, an event-based data aggregation service may aggregate sensing data from one or more sensing devices, such as sensing devices of the automotive vehicles, in response to receiving an event notification associated with one or more of the events and may use the sensing data when responding to the event notification.Type: GrantFiled: August 30, 2023Date of Patent: December 3, 2024Assignee: United Services Automobile Association (USAA)Inventors: Yevgeniy Viatcheslavovich Khmelev, Oscar Guerra, Jeffrey Neal Pollack, Janelle Denice Dziuk, Ashley Raine Philbrick, Ryan Thomas Russell, David Patrick Dixon