Patents by Inventor Mark Paxman Warnick

Mark Paxman Warnick 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).

  • Patent number: 12658056
    Abstract: A roadside assistance management system for autonomous vehicles (AVs) is disclosed. The roadside assistance management system monitors and manages a plurality of AVs which are used in the transport of various items such as cash from one location to another. Each AV can request specific types of assistance. Upon receiving such a request, the roadside assistance management system can dispatch one or more additional AVs to the render assistance to the requesting AV.
    Type: Grant
    Filed: September 13, 2023
    Date of Patent: June 16, 2026
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Ashley Raine Philbrick, Tawana Lynn Leak, Elena Marie Carrasco, Will Kerns Maney, Jr., Justin Royell Nash
  • Patent number: 12620023
    Abstract: This disclosure is directed to systems and methods for system for managing a bank account utilizing smart contracts. The systems and methods include utilizing a processing system to perform actions. The actions include receiving an application and application-related inputs from a first entity for entering into an agreement to receive assets and/or funds from the bank account owned by a second entity. The actions also include conducting, via an artificial intelligence module, an analysis of the first entity based on the application-related inputs. The actions further include approving and executing, via the artificial intelligence module, a smart contract that is representative of the agreement between the first entity and the second entity when the analysis of the first entity meets specific requirements, wherein executing the smart contract includes distributing the assets and/or the funds to the first entity in accordance with the smart contract.
    Type: Grant
    Filed: January 17, 2024
    Date of Patent: May 5, 2026
    Assignee: United Services Automobile Association (USAA)
    Inventors: Will Kerns Maney, Jon D. McEachron, Nathan Lee Post, Mark Paxman Warnick
  • Patent number: 12572824
    Abstract: A personalized artificial intelligence (AI) bot system includes a computing system and one or more data sources. The one or more data sources are configured to provide data related to a user to the computing system. The system also includes a personalized bot generated by the computing system based at least upon the data related to the user and configured to navigate a network to perform interactions, wherein the personalized bot comprises AI algorithms configured to utilize the data related to the user to mimic characteristics of the user within decision making protocols to facilitate the interactions. Further, the system includes one or more additional bots configured to participate in the interactions with the personalized bot.
    Type: Grant
    Filed: September 28, 2022
    Date of Patent: March 10, 2026
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Christian A. Williams, Will Kerns Maney, Sumita T. Jonak, Joel S. Hartshorn
  • Patent number: 12561443
    Abstract: A system and method for training a security model in a testing system using machine learning is disclosed. For example, the method includes accessing information about security attacks from at least one security attack information source, recognizing types of security attacks being attempted using natural language processing to process the information about security attacks, attempting at least one of the recognized types of security attacks on a network, identifying at least one security vulnerability based on results of the attempting, training the security model based on the identified at least one security vulnerability using machine learning, providing the trained security model to a user of the network, and blocking a security attack using the trained security model.
    Type: Grant
    Filed: November 29, 2022
    Date of Patent: February 24, 2026
    Assignee: United Services Automobile Association (USAA)
    Inventors: Gregory Brian Meyer, Arthur Quentin Smith, Mark Paxman Warnick, Ruthie Lyle, Pooja Krishnaswamy, Elena Marie Carrasco
  • Patent number: 12563139
    Abstract: A system and method for selective disclosure of protected information are provided. Embodiments provide a way to provide limited access to protected information during an emergency. A user may have a medical emergency, and may store protected information on a smartphone that may be useful for an emergency responder, such as certain medical information. The smartphone may provide selective access to only relevant medical information, or may allow a responder to call emergency contact numbers without exposing the actual number. Emergency responders have designated near-field communication chips or other electronic keys to unlock the protected information. Alternatively, near-field communication chips embedded in a wearable allow emergency responders to access protected information at a user's smartphone. Once the emergency responder has established his or her role, the user's smartphone unlocks and provides appropriate access until the responder indicates that access is done and the smartphone relocks.
    Type: Grant
    Filed: February 27, 2023
    Date of Patent: February 24, 2026
    Assignee: United Services Automobile Association (USAA)
    Inventors: Nina Cooper, Mark Paxman Warnick, Courtney Evans, Megan Sarah Jennings
  • Patent number: 12538119
    Abstract: A system and method for codeword substitution are provided. Embodiments provide a way to enhance privacy when communicating over the phone. A user has predefined codewords that map to various kinds of sensitive information that they would prefer not to say audibly on the phone. When the user is on the phone and asked to give the sensitive information, the system would detect the codeword while muting the codeword and automatically provide the sensitive information to the provider on the other end. Anyone near the member would be unable to hear this sensitive information. The system may include a codeword setup module to associate codewords with sensitive information, a codeword detecting module to identify codewords, and a codeword substitution module to provide the sensitive information over the phone when the codewords are detected. This approach keeps the sensitive information safe from eavesdroppers.
    Type: Grant
    Filed: December 20, 2022
    Date of Patent: January 27, 2026
    Assignee: United Services Automobile Association (USAA)
    Inventors: Nina Cooper, Mark Paxman Warnick, Courtney St. Martin, Megan Sarah Jennings
  • Patent number: 12536512
    Abstract: A system includes a physical object and one or more processors. The one or more processors are configured to receive physical object data indicative of a change to the physical object and identify a correspondence between the physical object and a non-fungible token (NFT). The one or more processors are also configured to incorporate, in response to identifying the correspondence and in a smart contract or digital distributed ledger, NFT data corresponding to the NFT and reflecting the change to the physical object.
    Type: Grant
    Filed: September 20, 2022
    Date of Patent: January 27, 2026
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Will Kerns Maney, Elena Marie Carrasco, Nolan Serrao, Ravi Durairaj, Joel S. Hartshorn, Donald Nathaniel Holloway, III
  • Patent number: 12499269
    Abstract: This disclosure is directed to systems and methods for system for protecting privacy of data. The systems and methods include utilizing one or more processors to perform actions. The actions include receiving a request for an individual to provide data to an entity. The actions also include identifying the data of the individual to share with the entity. The actions further include collecting the data in a protected digital identification data packet. The actions even further include sending the protected digital identification data packet to an identified and secure source of the entity. The actions still further include receiving and confirming the data in the protected digital identification data packet at the source of the entity. The actions yet further include automatically causing alteration (e.g., deletion) of the data based on confirmation of the data to prevent further access to the data.
    Type: Grant
    Filed: March 31, 2023
    Date of Patent: December 16, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ravi Durairaj, Will Kerns Maney, John D. McEachron, Nathan Lee Post, Nolan Serrao, Mark Paxman Warnick
  • Patent number: 12475546
    Abstract: A technique for monitoring stored goods using sensors and generating outputs, such as alerts, notifications, and the like, is provided. A storage monitoring system may identify a condition of a stored good based on data indicating storage conditions and handling conditions of the good. A storage assessment output is generated based on the identified condition of the stored good.
    Type: Grant
    Filed: September 28, 2022
    Date of Patent: November 18, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Joel S. Hartshorn, Elena Marie Carrasco, Nathan Lee Post, Mark Paxman Warnick, Ravi Durairaj, Nolan Serrao, Sumita T. Jonak, Will Kerns Maney
  • Patent number: 12462212
    Abstract: A transactional method and system of incentivizing task performance using token-based exchange for electronic payment authentications. The system and method are configured to reward a person with electronic tokens for tasks that are performed and verified by the system. These tokens can then be exchanged by the user for completing purchases via online retailers or other electronic payment-based services. Verification can involve the use of natural language processing and image comparison algorithms to determine whether a particular task has been successfully completed.
    Type: Grant
    Filed: May 31, 2023
    Date of Patent: November 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Will Kerns Maney, Jr., Elena Marie Carrasco, Ravi Durairaj, Donald Nathaniel Holloway, III, Roberto Virgillio Jolliffe, Surender Kumar, Jeanie Graciela Lopez, Ivan Ortiz, Nathan Lee Post, Nolan Serrao, David Michael Schlittler
  • Patent number: 12462258
    Abstract: A touchless method and system of performing an authentication of a person in order to permit access to a secured resource is disclosed. The system and method are configured to collect channel state information associated with a person as they pass through a sensor zone and identify a biometric signal for the person. The system detects whether there is a match between the biometric signal and any biometric signals previously collected and stored in a database. If there is a match, the system verifies an identity of the person and can be configured to automatically grant the person access to one or more services, features, or locations for which he or she is authorized based on the authentication.
    Type: Grant
    Filed: June 27, 2024
    Date of Patent: November 4, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bryan J. Osterkamp, Will Kerns Maney, Jr., Andre Rene Buentello, Mark Paxman Warnick, Jose L. Romero, Jr., Oscar Roberto Tijerina, Sean Carl Mitchem, Timothy Blair Chalmers, Ruthie D. Lyle, Mitzi Ruiz
  • Patent number: 12417313
    Abstract: The techniques provided herein may be used to reversibly anonymize data and to mitigate possible de-anonymization the data by third parties. Specifically, a reverse anonymity data sharing service is used to anonymize personal data by replacing confidential information found in the data with unique identifiers. A reverse anonymity data store is used to store the unique identifiers with the information they replaced such that the anonymization may be reversed if needed. Machine learning models are used to prevent traceback, using publicly available data sources, of the anonymized data to it's the individual who generated the data or whom the data is about.
    Type: Grant
    Filed: February 23, 2023
    Date of Patent: September 16, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jennifer Hunt Erickson, Jeanie Graciela Lopez, Donald Nathaniel Holloway, III, Christian A. Williams, Joel S. Hartshorn, Will Kerns Maney, Mark Paxman Warnick, Ravi Durairaj, Sumita T. Jonak, Nolan Serrao, Elena Marie Carrasco
  • Patent number: 12380377
    Abstract: A system and method for intelligent queueing and guidance is disclosed. The system and method can be used to determine when a user should queue and to provide navigation to a queueing location. The system can include a queueing detection and monitoring module, a queue prediction module, a navigation module, and an optimal timing module. The system can be implemented with mobile devices including smart phones, smart watches, and/or other wearable devices.
    Type: Grant
    Filed: April 11, 2022
    Date of Patent: August 5, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Elena Marie Carrasco, Celena Dortch, Justin Dax Haslam, David Jason Anderson James, Quian Antony Jones, Rosa Maria Smith, Katrina Marie Zell
  • Patent number: 12373856
    Abstract: A transactional method and system of incentivizing task performance using token-based exchange for digital media access. The system and method are configured to reward a person with electronic tokens for tasks that are performed and verified by the system. These tokens can then be exchanged by the user for access to desired digital media. Verification can involve the use of natural language processing and image comparison algorithms to determine whether a particular task has been successfully completed.
    Type: Grant
    Filed: May 31, 2023
    Date of Patent: July 29, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Will Kerns Maney, Jr., Elena Marie Carrasco, Ravi Durairaj, Donald Nathaniel Holloway, III, Roberto Virgillio Jolliffe, Surender Kumar, Jeanie Graciela Lopez, Ivan Ortiz, Nathan Lee Post, Nolan Serrao, David Michael Schlittler
  • Patent number: 12354455
    Abstract: The disclosed wearable device systems include several features for alerting and guiding persons who are approaching other persons in order to promote social distancing. Sensor data from wearable devices that are disposed in an article of apparel are used to determine the presence of a human person within a detection zone around the article of apparel. The detection zone is created based on sound waves generated by sonar-based proximity detectors mounted on the article of apparel. The system could be used to warn a person who breaches the user's detection zone to maintain a safe distance.
    Type: Grant
    Filed: December 19, 2022
    Date of Patent: July 8, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Elena Marie Carrasco, Celena Dortch, Justin Dax Haslam, David Jason Anderson James, Quian Antony Jones, Rosa Maria Smith, Katrina Marie Zell
  • Patent number: 12334047
    Abstract: Systems and methods that can automatically and intelligently edit audio signals to correct issues with voices and background noise. Such features may be especially useful as more people decide to work remotely. With remote work, some employees may be multi-tasking, for example by dropping off and picking up their kids while in meetings. Background noise reduction is essential for these remote workers. Using the exemplary systems and methods, remote workers could participate in live calls and/or create recordings while going about their daily chores. In particular, these remote workers would not need to wait until they are back home or in a quieter environment for participating in calls and/or making recordings.
    Type: Grant
    Filed: August 29, 2022
    Date of Patent: June 17, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Nathan Lee Post, Joel S. Hartshorn, Christian A. Williams, Will Kerns Maney, Jr., Ravi Durairaj, Nolan Serrao, Donald Nathaniel Holloway, III
  • Patent number: 12332714
    Abstract: An energy usage computing system includes one or more processors that are configured to receive data corresponding to energy usage of a plurality of devices within a property from a plurality of sensors. The energy usage computing system is also configured to analyze the data to determine an amount of energy used for at least one device of the plurality of devices, project an estimated cost of operation for the at least one device based at least in part on the determined amount of energy used for the at least one device, compare the estimated cost of operation for the at least one device to a threshold, and perform a cost-saving action in response to determining that the estimated cost of operation for the at least one device is above the threshold.
    Type: Grant
    Filed: January 5, 2024
    Date of Patent: June 17, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Will Kerns Maney, Mark Paxman Warnick, Kelly Q. Baker, Phillip E. Marks
  • Patent number: 12299181
    Abstract: A system for determining an authenticity of an asset includes one or more hardware processors. The system also includes a non-transitory memory, the non-transitory memory storing instructions that, when executed by the one or hardware processors, causes the one or more hardware processors to perform actions. The actions include receiving an asset, wherein the asset includes a digital asset or a digital representation of a physical asset. The actions also include receiving an input related to the asset to assist in determining the authenticity of the asset. The actions further include utilizing an augmented intelligence module to analyze the asset and to determine the authenticity of the asset based on the analysis of the asset and the received input.
    Type: Grant
    Filed: September 27, 2022
    Date of Patent: May 13, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Joel S. Hartshorn, Mark Paxman Warnick, Elena Marie Carrasco, Ravi Durairaj, Donald Nathaniel Holloway, III, Nolan Serrao, Christian A. Williams
  • Patent number: 12284402
    Abstract: Systems and methods that can automatically generate synthetic videos depicting alternative scenarios that may be consistent with recorded video. Systems and methods leverage machine learning systems that can generate synthetic video information using autoencoders and generative adversarial networks that have been trained on previous video data. Systems and methods further include a scenario dashboard that allows users of the system to select recorded videos and other settings that serve as inputs, or constraints, on the synthetically generated videos.
    Type: Grant
    Filed: August 29, 2022
    Date of Patent: April 22, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Joel S. Hartshorn, Mark Paxman Warnick, Will Kerns Maney, Jr., Elena Marie Carrasco, Sumita T. Jonak, Ravi Durairaj, Nolan Serrao, Nathan Lee Post
  • Patent number: 12259962
    Abstract: A non-fungible management system may generate non-fungible tokens based on credential data of a user. In one example, a non-fungible token can be generated responsive to receiving credential data for the user, whereby the credential data is received from a verified credentialing organization. Non-fungible tokens based on credential data can be held in a digital wallet of the user, used as a resume or record of achievement, and/or traded in a marketplace.
    Type: Grant
    Filed: February 28, 2022
    Date of Patent: March 25, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mark Paxman Warnick, Bharat Prasad, Carlos J P Chavez, Ravi Durairaj, Mitzi Ruiz, Theresa Marie Matowitz, Huihui Wu