Patents by Inventor Bradly Jay Billman
Bradly Jay Billman has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 12273724Abstract: An authentication system includes an authenticator that receives an authentication request from a device and receives sensor data from one or more sensors, the sensor data being indicative of interaction with one or more real world objects or with a displayed authentication image. The authenticator determines that the sensor data is indicative of an authorized interaction with the one or more real world objects or with the displayed authentication image and, in response to the determination, grants the authentication request.Type: GrantFiled: May 15, 2023Date of Patent: April 8, 2025Assignee: United Services Automobile Association (USAA)Inventors: Bradly Jay Billman, Jennifer Hunt Erickson
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Patent number: 12260414Abstract: A user may provide a financial card to an automated teller machine (ATM) or point of sale (POS) terminal and may be authenticated by providing a gesture and/or an image selection via a mobile device to the ATM or the POS. The gesture and/or image selection may be provided using a touchscreen of the mobile device. The gesture and/or image provided by the user via the mobile device may be compared to a stored gesture and/or image provided by the user during an earlier registration of the financial card. If there is a match between the gesture and/or image provided by the user via the mobile device and the previously stored gesture and/or image, then the user is authenticated and may access an account associated with the financial card.Type: GrantFiled: September 27, 2023Date of Patent: March 25, 2025Assignee: United Services Automobile Association (USAA)Inventors: Christopher Paul Courtright, Bradly Jay Billman
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Patent number: 12248663Abstract: 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: GrantFiled: December 19, 2023Date of Patent: March 11, 2025Assignee: 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
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Patent number: 12209381Abstract: A foundation tilt reporting system includes a lightbulb with one or more emitters configured to emit light. The foundation tilt reporting system also includes one or more sensors configured to generate signals indicative of a current tilt of a foundation of a structure. The foundation tilt reporting system further includes one or more processors and memory storing instructions executable by the one or more processors to cause the one or more processors to access a threshold for the foundation, receive the signals indicative of the current tilt of the foundation from the one or more sensors, compare the current tilt of the foundation to the threshold, and instruct the one or more emitters to emit the light to provide an indication in response to the current tilt of the foundation meeting or exceeding the threshold.Type: GrantFiled: May 19, 2022Date of Patent: January 28, 2025Assignee: United Services Automobile Association (USAA)Inventors: Justin Royell Nash, Gideon Bowie Luck, Huihui Wu, Julia Yilan Kennedy, Yevgeniy Viatcheslavovich Khmelev, Subhalakshmi Selvam, Bradly Jay Billman
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Patent number: 12183186Abstract: A system may employ one or more satellite sensors to monitor an area; detect a body or thing that should not be present in an area; formulate a response, such as documentation, notifying authorities, or deploying unmanned aerial vehicles; and execute the response. Monitoring an area can be based on a request for surveillance at the area.Type: GrantFiled: July 10, 2023Date of Patent: December 31, 2024Assignee: United Services Automobile Association (USAA)Inventors: David M Jones, Megan S Jennings, Bradly Jay Billman, Sumita T. Jonak, Priyadarshini Badugu, Justin R Nash, I
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Patent number: 12181885Abstract: 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: GrantFiled: September 12, 2023Date of Patent: December 31, 2024Assignee: United Services Automobile Association (USAA)Inventors: Alexander B. Nagelberg, Bradly Jay Billman, Donnette L. Moncrief Brown
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Patent number: 12174030Abstract: A system and method for high-precision automated guidance of a drone via a local (on-site) computing device for delivery of items is disclosed. The drone navigates to a location in proximity to the recipient's home using standard navigation protocols. Once the UAV arrives at this local destination, communication between the UAV and an on-site computing device occurs. The on-site device serves as a micro air-traffic controller to the UAV's precise drop off target location. The on-site device can provide approach vectors, guidance around obstacles and navigation instructions to a final micro-destination.Type: GrantFiled: October 28, 2021Date of Patent: December 24, 2024Assignee: United Services Automobile Association (USAA)Inventors: Bradly Jay Billman, Sacha Melquiades De'Angeli
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Patent number: 12174093Abstract: Cracks in foundations may be detected by sensing motion within the foundation. Depth sensors may be applied to a foundation, and the depths of the sensors may be read. At subsequent points in time the depths of the sensors may be read again. If the depths of the sensors are changing in a way that suggests that portions of the foundation are moving apart from each other, then it may be inferred that a crack is forming in the foundation. The formation of cracks may be used to take various actions. For example, the owner of the building that rests on the foundation may be information of the crack so that he or she may take remedial action.Type: GrantFiled: December 19, 2023Date of Patent: December 24, 2024Assignee: United Services Automobile Association (USAA)Inventor: Bradly Jay Billman
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Patent number: 12167726Abstract: A termite detection and mitigation system can gather data describing conditions at a location, including the location's elevation, soil type, topography, weather conditions, and season. The termite detection and mitigation system can additionally obtain sensor data describing environmental conditions within a structure (e.g., a home or other building) at the location. Sensor data may be obtained using a termite sensing device placed within the structure. The termite detection and mitigation system can develop models that characterize how likely it is that termites are present within a structure based on its sensor data and associated location data. Using the models, the termite detection and mitigation system can alert users when there is a likelihood that termites are present. The termite detection and mitigation system can also deploy mitigation responses, such as poisons or sealants, to mitigate the termite intrusion.Type: GrantFiled: August 12, 2022Date of Patent: December 17, 2024Assignee: United Services Automobile Association (USAA)Inventors: Bradly Jay Billman, Brian Tougas, Arthur Quentin Smith, Mark Paxman Warnick, Oscar Roberto Tijerina
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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: 12147963Abstract: Various embodiments of the present disclosure generally relate to transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.Type: GrantFiled: June 23, 2023Date of Patent: November 19, 2024Assignee: United Services Automobile Association (USAA)Inventors: David Patrick Dixon, John Hope, John Loflin, Ogechi Namme, Andre Rene Buentello, Bradly Jay Billman, Sharon Kay Haverlah, Ross Andrew Thiele, Gunjan Vijayvergia, Michael Joseph Gaeta
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Patent number: 12100041Abstract: A financial education tool includes a body portion, a basin disposed within the body portion, and a receptacle into the body portion. The receptacle is configured to receive physical currency into the basin. The financial awareness tool includes a counter configured to detect receipt of the physical currency into the basin, a display, and a user interface configured to receive a user input from a user. The financial awareness tool includes a processor communicatively coupled to the display and the user interface, where the processor is configured to communicate with a server configured to manage a banking account of the user. The processor is configured to, in response to receiving the user input at the user interface, detecting receipt of the physical currency by the counter, or both, instruct the display to display information relating to the banking account of the user.Type: GrantFiled: August 2, 2021Date of Patent: September 24, 2024Assignee: United Services Automobile Association (USAA)Inventors: Bradly Jay Billman, Dwayne Phillip Wilson, Jennifer Anne Scamardo, Zachery C. Lake, Judy Thu Switzer, Timothy Benjamin Czerlinsky, Ethan Robinson, Patrick Emmanuel Gaston
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Patent number: 12087158Abstract: Devices at a scene of a vehicular accident may be used to direct vehicle traffic in response to the vehicular accident. For example, a device associated with a structure at a location of the vehicular accident may analyze information about the accident scene and, based on the information, direct traffic near the accident scene.Type: GrantFiled: May 12, 2023Date of Patent: September 10, 2024Assignee: United Services Automobile Association (USAA)Inventors: Richard Daniel Graham, Bradly Jay Billman
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Patent number: 12067627Abstract: Systems and methods monitor at least one of a first amount of time a vehicle operator is in active control of a vehicle during a period and a second amount of time that the vehicle operates autonomously during the period. The systems and methods further calculate an insurance rate based on the first amount of time and the second amount of time.Type: GrantFiled: September 16, 2022Date of Patent: August 20, 2024Assignee: United Services Automobile Association (USAA)Inventors: Bradly Jay Billman, Ewan Richard Grantham, Jr.
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Patent number: 12028323Abstract: The present disclosure relates generally to systems and methods for providing dynamic access levels based upon permitted provision of client system data. In particular, proactive blocking of access to protected systems/services may be implemented when client system electronic data provision requirements of the protected systems/services are not met.Type: GrantFiled: June 29, 2021Date of Patent: July 2, 2024Assignee: United Services Automobile Association (USAA)Inventors: Bradly Jay Billman, Jennifer Hunt Erickson
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Patent number: 11961048Abstract: A system and method for home security, and in particular to notifying residents of a home of a visitor's presence and providing an automatic assessment of the visitor's legitimacy, is disclosed. In one example, the system can be configured to automatically identify a logo worn by the visitor using optical recognition and generate a notification for the resident that identifies the company. In another example, the system can request presentation of an encrypted key that should be stored on the visitor's computing device. In another example, the system can query a database of scheduled services and determine if a person was requested or scheduled for a visit. In some embodiments, the system can assign a security token to the merchant which will be required at the time of the appointment.Type: GrantFiled: October 19, 2021Date of Patent: April 16, 2024Assignee: United Services Automobile Association (USAA)Inventor: Bradly Jay Billman
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Patent number: 11940356Abstract: 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: GrantFiled: August 24, 2021Date of Patent: March 26, 2024Assignee: United Services Automobile Association (USAA)Inventors: Charles Lee Oakes, III, Bradly Jay Billman, Gianna Weingarden, Nicole Ferretti, Cory A. Matheson
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Patent number: 11899909Abstract: 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: GrantFiled: November 2, 2022Date of Patent: February 13, 2024Assignee: 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
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Patent number: 11868099Abstract: Cracks in foundations may be detected by sensing motion within the foundation. Depth sensors may be applied to a foundation, and the depths of the sensors may be read. At subsequent points in time the depths of the sensors may be read again. If the depths of the sensors are changing in a way that suggests that portions of the foundation are moving apart from each other, then it may be inferred that a crack is forming in the foundation. The formation of cracks may be used to take various actions. For example, the owner of the building that rests on the foundation may be information of the crack so that he or she may take remedial action.Type: GrantFiled: October 14, 2022Date of Patent: January 9, 2024Assignee: United Services Automobile Association (USAA)Inventor: Bradly Jay Billman
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Patent number: 11830077Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving an indication that a vehicle has been in a collision. Receiving vehicle information system (VIS) data from a VIS associated with the vehicle. Determining a component damage probability (CDP) for each of a plurality of components of the vehicle based on the VIS data. Determining estimated costs to replace components having respective CDPs above a threshold value. Providing an estimated total repair cost for the vehicle to a user computing device.Type: GrantFiled: January 26, 2021Date of Patent: November 28, 2023Assignee: United Services Automobile Association (USAA)Inventors: Kevin K. Fiedler, Bradly Jay Billman