United Services Automobile Association (USAA)

United States of America

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G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes 385
G06Q 40/08 - Insurance 290
H04L 29/06 - Communication control; Communication processing characterised by a protocol 258
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists 176
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems 169
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1.

Systems and methods for adjusting electric power distributed to consumers

      
Application Number 17708528
Grant Number 12283813
Status In Force
Filing Date 2022-03-30
First Publication Date 2025-04-22
Grant Date 2025-04-22
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Buentello, Andre Rene
  • Bitter, Dustin Bowen
  • Ricks, Brennen Michael
  • Romero, Jr., Jose L.

Abstract

A non-transitory computer-readable medium has instructions that, when executed by processing circuitry, are configured to cause the processing circuitry to perform operations that include determining net electric power consumption associated with a first consumer, determining that the net electric power consumption associated with the first consumer is below a threshold level, reducing central electric power distributed from a central electric power source to the first consumer to obtain additional central electric power in response to determining that the net electric power consumption associated with the first consumer is below the threshold level, and distributing the additional central electric power to a second consumer in response to reducing the central electric power distributed to the first consumer.

IPC Classes  ?

  • G05B 15/02 - Systems controlled by a computer electric
  • H02J 3/00 - Circuit arrangements for ac mains or ac distribution networks
  • H02J 3/38 - Arrangements for parallelly feeding a single network by two or more generators, converters or transformers
  • H02J 13/00 - Circuit arrangements for providing remote indication of network conditions, e.g. an instantaneous record of the open or closed condition of each circuitbreaker in the networkCircuit arrangements for providing remote control of switching means in a power distribution network, e.g. switching in and out of current consumers by using a pulse code signal carried by the network
  • H02J 3/32 - Arrangements for balancing the load in a network by storage of energy using batteries with converting means

2.

System and method for generating and evaluating synthetic video scenarios

      
Application Number 17822882
Grant Number 12284402
Status In Force
Filing Date 2022-08-29
First Publication Date 2025-04-22
Grant Date 2025-04-22
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Hartshorn, Joel S.
  • Warnick, Mark Paxman
  • Maney, Jr., Will Kerns
  • Carrasco, Elena Marie
  • Jonak, Sumita T.
  • Durairaj, Ravi
  • Serrao, Nolan
  • Post, Nathan Lee

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.

IPC Classes  ?

  • H04N 21/234 - Processing of video elementary streams, e.g. splicing of video streams or manipulating encoded video stream scene graphs
  • H04N 21/8352 - Generation of protective data, e.g. certificates involving content or source identification data, e.g. UMID [Unique Material Identifier]

3.

Protection of personal data stored in vehicular computing systems

      
Application Number 18354046
Grant Number 12282584
Status In Force
Filing Date 2023-07-18
First Publication Date 2025-04-22
Grant Date 2025-04-22
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Beveridge, Meredith
  • Harrison, James Stephan
  • Jonak, Sumita T.

Abstract

Ways of protecting personally identifiable information stored in an onboard computing system of a vehicle allow improved data security of drivers. The system and method is configured to automatically trigger a deletion or encryption of personal data stored in the motor vehicle in response to an event or other information indicating that the vehicle is outside of the custody of the owner or some other loss of control event.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 21/60 - Protecting data

4.

Micropattern detection-based video authentication method and system

      
Application Number 18160531
Grant Number 12284187
Status In Force
Filing Date 2023-01-27
First Publication Date 2025-04-22
Grant Date 2025-04-22
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Shipley, Brian Francisco
  • Tougas, Brian
  • Luck, Gideon Bowie
  • Mitchem, Sean Carl
  • Russell, Christopher
  • Buentello, Andre Rene
  • Romero, Jr., Jose L.
  • Harris, David Joaquin

Abstract

A micropattern detection-based method and system of performing an authentication of video of a person in order to authorize access to a secured resource is provided. The user provides image data in which they present a secondary computing device with a specially fabricated screen cover. The screen cover includes a plurality of micro-holes that collectively provide a unique micropattern. When the user adjusts a display setting, the micropattern, previously cloaked, becomes apparent as an arrangement of pinpoints of light. The system and method are configured to evaluate the image data to determine whether the micropattern is present. If a micropattern is present, the system determines the image is authentic and can verify an identity of the person. In some cases, the system can further be configured to automatically grant the person access to one or more services for which they are authorized.

IPC Classes  ?

5.

Automatedly generating and issuing accident data gathering recommendations following a vehicle accident

      
Application Number 17667300
Grant Number 12282963
Status In Force
Filing Date 2022-02-08
First Publication Date 2025-04-22
Grant Date 2025-04-22
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • White, Angelica Nichole
  • Mitchem, Sean Carl
  • Craig, Sean Michael Wayne
  • Selvam, Subhalaskshmi
  • Russell, Christopher
  • Katz, Brian Howard
  • Jolliffe, Roberto Virgillio

Abstract

Methods and systems described herein are directed to automatedly generating and issuing accident data gathering recommendations for a vehicle accident occurrence. In response to a recommendation system detecting an occurrence of a vehicle accident, the system can retrieve initial accident data for the occurrence. Using the initial accident data, the system can generate accident data gathering recommendations to obtain additional accident data via mapping to one or more characteristics for the vehicle accident occurrence. The recommendations, when executed, can yield additional accident data that can be compiled with the initial accident data into a vehicle accident evidence package.

IPC Classes  ?

6.

Systems and methods for sharing vendor information across entities in the workplace

      
Application Number 17685065
Grant Number 12282570
Status In Force
Filing Date 2022-03-02
First Publication Date 2025-04-22
Grant Date 2025-04-22
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Jones, Jr., David M.
  • Black, Robert Lee
  • Chalmers, Timothy Blair
  • Luck, Gideon Bowie
  • Jonak, Sumita T.
  • Maldonado, Ana Rosa
  • Tijerina, Oscar Roberto

Abstract

The current embodiments include systems and techniques for sharing information between vendors where the information is siloed due organizational constraints. Vendors that provide services for one entity of an organization may be unknown to another entity within the same organization. The systems and techniques provided herein facilitate sharing of this information of the vendor across various entities in the organization.

IPC Classes  ?

  • G06F 21/00 - Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules

7.

Smart gear

      
Application Number 17186321
Grant Number 12279886
Status In Force
Filing Date 2021-02-26
First Publication Date 2025-04-22
Grant Date 2025-04-22
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Chavez, Carlos J P
  • Richardson, Andrea Marie
  • Dziuk, Janelle Denice
  • Tijerina, Oscar Roberto
  • Smith, Valmore M.
  • Hansen, Gregory David
  • Meyer, Gregory Brian
  • St. Martin, Courtney

Abstract

Smart gear, which includes electrically conductive fabric, is provided to monitor health parameters, conduct transactions, and generate power. For example, the smart gear may include one or more sensors coupled to the fabric and/or electrically conductive fibers woven into the fabric. The one or more sensors may monitor health parameters such as breathing patterns, sleep patterns, heart murmurs, and so forth. The smart gear may include one or more wireless regions that power electronic devices based on inductive charging.

IPC Classes  ?

  • A61B 5/00 - Measuring for diagnostic purposes Identification of persons
  • A41D 1/00 - Garments
  • A61B 5/0205 - Simultaneously evaluating both cardiovascular conditions and different types of body conditions, e.g. heart and respiratory condition
  • A61B 5/024 - Measuring pulse rate or heart rate
  • A61B 5/107 - Measuring physical dimensions, e.g. size of the entire body or parts thereof
  • A61B 5/145 - Measuring characteristics of blood in vivo, e.g. gas concentration or pH-value
  • A61F 2/70 - Operating or control means electrical
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G16H 10/60 - ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records
  • G16H 15/00 - ICT specially adapted for medical reports, e.g. generation or transmission thereof
  • G16H 40/67 - ICT specially adapted for the management or administration of healthcare resources or facilitiesICT specially adapted for the management or operation of medical equipment or devices for the operation of medical equipment or devices for remote operation
  • H02J 7/02 - Circuit arrangements for charging or depolarising batteries or for supplying loads from batteries for charging batteries from AC mains by converters
  • H02J 50/10 - Circuit arrangements or systems for wireless supply or distribution of electric power using inductive coupling
  • H02J 50/40 - Circuit arrangements or systems for wireless supply or distribution of electric power using two or more transmitting or receiving devices
  • H04Q 9/00 - Arrangements in telecontrol or telemetry systems for selectively calling a substation from a main station, in which substation desired apparatus is selected for applying a control signal thereto or for obtaining measured values therefrom

8.

Systems and methods for assessing vehicle damage

      
Application Number 17241899
Grant Number 12277812
Status In Force
Filing Date 2021-04-27
First Publication Date 2025-04-15
Grant Date 2025-04-15
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Enochs, Andrew Luke
  • Dahlman, Matthew Conrad
  • Low, Shawn D.
  • Diaz, Daniel
  • Allerkamp, Breanna Nicole

Abstract

A technique for assessing a vehicle condition is provided that determines whether damage has occurred to the vehicle using electrical property data acquired by one or more electrical property detection systems disposed on one or more surfaces of the vehicles. The electrical property detection system include a conductive polymer material that changes in response to chemical deformations and/or mechanical deformations in the conductive polymer material, which may result from objects and/or other vehicles damaging the conductive polymer material. Based on the electrical property data, a control system may generate a damage assessment output, such as an alert for a vehicle owner.

IPC Classes  ?

  • G07C 5/08 - Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
  • B60R 25/02 - Fittings or systems for preventing or indicating unauthorised use or theft of vehicles operating on vehicle systems or fittings, e.g. on doors, seats or windscreens operating on the steering mechanism
  • G01N 27/20 - Investigating the presence of flaws
  • G07C 5/00 - Registering or indicating the working of vehicles
  • G08B 21/18 - Status alarms

9.

Security and safety configurations for drone delivery

      
Application Number 18439416
Grant Number 12277820
Status In Force
Filing Date 2024-02-12
First Publication Date 2025-04-15
Grant Date 2025-04-15
Owner United Services Automobile Association (USAA) (USA)
Inventor Philbrick, Ashley Raine

Abstract

Embodiments described herein disclose methods and systems for community item distribution. In some implementations, the community item distribution system includes a platform for users to post information regarding items they want to share with the community. The community item distribution system can categorize the information and establish donation parameters for the shared items. The donation parameters can include where and when items can be donated or retrieved, what types of items can be donated, and who can request the donated items. In some cases, the community item distribution system can generate a user interface listing the available items that users can request. Upon request of an item, the community item distribution system can schedule a drone to transport the item, in a secured container with ultraviolet lights to disinfect the item, from the storage location to the delivery location.

IPC Classes  ?

  • G07C 9/23 - Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a password
  • A61L 2/10 - Ultraviolet radiation
  • A61L 2/24 - Apparatus using programmed or automatic operation
  • A61L 2/28 - Devices for testing the effectiveness or completeness of sterilisation, e.g. indicators which change colour
  • B64C 39/02 - Aircraft not otherwise provided for characterised by special use
  • B64U 101/60 - UAVs specially adapted for particular uses or applications for transporting passengersUAVs specially adapted for particular uses or applications for transporting goods other than weapons
  • G05D 1/00 - Control of position, course, altitude or attitude of land, water, air or space vehicles, e.g. using automatic pilots
  • G06N 20/00 - Machine learning
  • G06Q 10/0832 - Special goods or special handling procedures, e.g. handling of hazardous or fragile goods
  • G06Q 10/0835 - Relationships between shipper or supplier and carriers
  • G06V 10/70 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning
  • G06V 20/52 - Surveillance or monitoring of activities, e.g. for recognising suspicious objects
  • G07C 9/00 - Individual registration on entry or exit

10.

Recipient customized generative voice modeling

      
Application Number 18612926
Grant Number 12277930
Status In Force
Filing Date 2024-03-21
First Publication Date 2025-04-15
Grant Date 2025-04-15
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Lyle, Ruthie
  • Jayapalan, Vijay
  • Yarbrough, Gregory B

Abstract

The present embodiments relate to on demand generation of curated audio content. Responsive to initiation of an electronic communication by a client, audio relating to a client speaking to the operator can be processed to derive a series of insights relating to features of the audio. Previously recorded audio relating to the operator can be combined with a text-based script to generate audio content. The audio content can be modified using the series of derived insights. The modified audio content can include a series of disclaimers that are played back to the client. Generation of the modified audio content can be dynamically generated responsive to detecting a trigger that allows for on-demand generation of the modified audio content.

IPC Classes  ?

  • G10L 15/22 - Procedures used during a speech recognition process, e.g. man-machine dialog
  • G10L 15/18 - Speech classification or search using natural language modelling
  • G10L 25/63 - Speech or voice analysis techniques not restricted to a single one of groups specially adapted for particular use for comparison or discrimination for estimating an emotional state

11.

Systems and methods for location based authentication

      
Application Number 18084326
Grant Number 12278820
Status In Force
Filing Date 2022-12-19
First Publication Date 2025-04-15
Grant Date 2025-04-15
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Osterkamp, Bryan J.
  • Russell, Ryan Thomas
  • Mceachron, Jon D.
  • Yarbrough, Gregory B.
  • Dziuk, Janelle Denice

Abstract

Various embodiments described herein relate to a call management system that aims to provide a more efficient, secure, and dynamic technique for authenticating a user based on a location of the user. A server of the call management system receives a phone call from a user device. The server transfers the phone call to an analyst device. When the analyst device accepts the phone call, the server starts an electronic communication session between the user device and the analyst device. The server then determines a current location of the user. The server further determines a question for authentication of the user based on the current location. The server transmits the question to the analyst device. The analyst device transmits the question to the user device via the server. In response to an answer received from the user device, the server authenticates the user.

IPC Classes  ?

12.

Systems and methods for payment at a point of sale

      
Application Number 18341739
Grant Number 12277539
Status In Force
Filing Date 2023-06-26
First Publication Date 2025-04-15
Grant Date 2025-04-15
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Young, Barrington Riverton Saint Aloysius
  • Prasad, Bharat
  • Billman, Bradly Jay

Abstract

Systems and methods are provided for making purchases at a merchant point-of-sale (POS) device using a mobile device. Transaction information may be communicated from the POS device to the mobile device and an authorization from the purchaser to proceed with the transaction returned to the POS device from the mobile device. After authorization, the POS device may communicate the transaction information together with an identifier of the mobile device to a financial institution to process payment. The financial institution may confirm the transaction with the purchaser at the mobile device using the identifier of the mobile device. Upon receiving a confirmation response from the mobile device, the financial institution may then transfer funds from a purchaser account to a merchant account.

IPC Classes  ?

  • G06Q 20/00 - Payment architectures, schemes or protocols
  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 40/12 - Accounting

13.

Wireless communication device with concealed value in mobile gaming

      
Application Number 18474421
Grant Number 12268967
Status In Force
Filing Date 2023-09-26
First Publication Date 2025-04-08
Grant Date 2025-04-08
Owner United Services Automobile Association (USAA) (USA)
Inventor Lyle, Ruthie D.

Abstract

A method for guiding game play of a game in an augmented reality game space. The game runs on a smart device in conjunction with a game space. The method includes determining that a user has completed a game objective and earned the right to a game piece having a concealed value. Information including an indication that the user has completed the game objective is sent from a smart device to a game server. The game server receives information from the smart device and sends information including a location of the game piece having a concealed value to the smart device and to a confirmation device. The smart device displays a location of the game piece having a concealed value in the augmented reality game space. Also, a system for game play including the smart device, the game server, and the confirmation device.

IPC Classes  ?

  • A63F 13/69 - Generating or modifying game content before or while executing the game program, e.g. authoring tools specially adapted for game development or game-integrated level editor by enabling or updating specific game elements, e.g. unlocking hidden features, items, levels or versions
  • A63F 13/216 - Input arrangements for video game devices characterised by their sensors, purposes or types using geographical information, e.g. location of the game device or player using GPS
  • A63F 13/332 - Interconnection arrangements between game servers and game devicesInterconnection arrangements between game devicesInterconnection arrangements between game servers using wide area network [WAN] connections using wireless networks, e.g. cellular phone networks
  • A63F 13/35 - Details of game servers
  • A63F 13/46 - Computing the game score
  • A63F 13/67 - Generating or modifying game content before or while executing the game program, e.g. authoring tools specially adapted for game development or game-integrated level editor adaptively or by learning from player actions, e.g. skill level adjustment or by storing successful combat sequences for re-use
  • A63F 13/795 - Game security or game management aspects involving player-related data, e.g. identities, accounts, preferences or play histories for finding other playersGame security or game management aspects involving player-related data, e.g. identities, accounts, preferences or play histories for building a teamGame security or game management aspects involving player-related data, e.g. identities, accounts, preferences or play histories for providing a buddy list
  • A63F 13/92 - Video game devices specially adapted to be hand-held while playing

14.

Secondary device remote signaling-based video authentication method and system

      
Application Number 17823551
Grant Number 12271462
Status In Force
Filing Date 2022-08-31
First Publication Date 2025-04-08
Grant Date 2025-04-08
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Lyle, Ruthie D.
  • Desai, Snehal
  • Harris, David Joaquin
  • Schroeder, Eric David
  • Calusinski, Jeffrey David

Abstract

A remote signal-based method and system of performing an authentication of images of a person in order to permit access to a secured resource. The system and method are configured to cause a visual and/or haptic pattern response to occur in a secondary device while collecting image data from a different, primary device. The image data is evaluated to determine whether the appropriate pattern is present. If the pattern is present, the system determines the image is authentic and can verify an identity of the person, and can further be configured to automatically grant the person access to one or more services, features, or information for which he or she is authorized.

IPC Classes  ?

  • G06F 21/36 - User authentication by graphic or iconic representation
  • G06F 1/16 - Constructional details or arrangements
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • H04N 7/15 - Conference systems

15.

Ecological impact evaluation promoting decreased ecological impact

      
Application Number 17818036
Grant Number 12271937
Status In Force
Filing Date 2022-08-08
First Publication Date 2025-04-08
Grant Date 2025-04-08
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Ballew, Rachel Michelle
  • Rafferty, Hanna Elizabeth
  • Fabre, Jeorge Luis
  • Meyer, Gregory Brian
  • Huggar, Stacy Callaway

Abstract

Methods and systems described herein are directed to evaluating an individual's ecological impact to promote reductions for that impact. An ecological impact evaluator can automatically retrieve behavioral data of a user that the evaluator can assess for guiding the user with respect to one or more of product purchasing, water usage, recycling and composting procedures, and driving practices. In view of data collected, the evaluator can provide various recognitions for behavior that incentivize the user toward maintaining or improving current behaviors.

IPC Classes  ?

16.

System and method for providing real time financial account information using event driven architecture

      
Application Number 18177893
Grant Number 12271943
Status In Force
Filing Date 2023-03-03
First Publication Date 2025-04-08
Grant Date 2025-04-08
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Hendry, Jason Paul
  • Kalich, Rodney
  • Brandt, Randall Martin
  • Jimenez, Marco Aldo
  • Perry, David

Abstract

A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. The system can retrieve real time enriched transaction data to calculate account summary information, including current account balances and projected future account balances. The system can also be used to provide real time notifications to customers using enriched transaction data.

IPC Classes  ?

  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

17.

Authentication based on user interaction with images or objects

      
Application Number 18197549
Grant Number 12273724
Status In Force
Filing Date 2023-05-15
First Publication Date 2025-04-08
Grant Date 2025-04-08
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Billman, Bradly Jay
  • Erickson, Jennifer Hunt

Abstract

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.

IPC Classes  ?

  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • H04W 12/06 - Authentication
  • H04W 12/65 - Environment-dependent, e.g. using captured environmental data

18.

Systems and methods for detecting conditions of a fluid conduit

      
Application Number 17955963
Grant Number 12264992
Status In Force
Filing Date 2022-09-29
First Publication Date 2025-04-01
Grant Date 2025-04-01
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Schroeder, Eric David
  • Philbrick, Ashley Raine
  • Chavez, Carlos J P
  • Amann, Manfred
  • Moncrief Brown, Donnette L.

Abstract

A system configured to monitor a condition of a fluid conduit includes a leak detection sensor assembly having a first electrical conductor and a second electrical conductor positioned on the fluid conduit. The system also includes one or more additional sensor assemblies positioned on the fluid conduit. The system further includes a controller configured to determine a presence of a leak along the fluid conduit in response to a resistance of a leak detection electrical circuit formed by the first electrical conductor and the second electrical conductor indicating that the leak detection electrical circuit is closed and data from the one or more additional sensor assemblies indicating the presence of the leak along the fluid conduit.

IPC Classes  ?

  • G01M 3/18 - Investigating fluid tightness of structures by using fluid or vacuum by detecting the presence of fluid at the leakage point using electric detection means for pipes, cables, or tubesInvestigating fluid tightness of structures by using fluid or vacuum by detecting the presence of fluid at the leakage point using electric detection means for pipe joints or sealsInvestigating fluid tightness of structures by using fluid or vacuum by detecting the presence of fluid at the leakage point using electric detection means for valves
  • G01M 3/24 - Investigating fluid tightness of structures by using fluid or vacuum by detecting the presence of fluid at the leakage point using infrasonic, sonic, or ultrasonic vibrations
  • G01M 3/28 - Investigating fluid tightness of structures by using fluid or vacuum by measuring rate of loss or gain of fluid, e.g. by pressure-responsive devices, by flow detectors for pipes, cables, or tubesInvestigating fluid tightness of structures by using fluid or vacuum by measuring rate of loss or gain of fluid, e.g. by pressure-responsive devices, by flow detectors for pipe joints or sealsInvestigating fluid tightness of structures by using fluid or vacuum by measuring rate of loss or gain of fluid, e.g. by pressure-responsive devices, by flow detectors for valves
  • G08B 21/20 - Status alarms responsive to moisture

19.

Device management and security through a distributed ledger system

      
Application Number 17933750
Grant Number 12265644
Status In Force
Filing Date 2022-09-20
First Publication Date 2025-04-01
Grant Date 2025-04-01
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Prasad, Bharat
  • Buckingham, Thomas Bret

Abstract

Techniques are described for managing internet-of-things (IoT) devices, such as managing the storage of data generated by the IoT devices, managing the access, to the data, by users, processes, and/or other entities, managing command and control of the devices, and so forth. In some implementations, an IoT platform is provided for IoT device management, and the IoT platform can be agnostic with respect to providers. For example, the IoT platform may provide one or more common interfaces that enable communications with IoT devices that are manufactured by different device providers. In some implementations, a distributed ledger system (DLS) is employed to facilitate IoT device management. For example, the DLS can act as a gateway and/or overall interface to control access of users, processes, devices, IoT device providers, and/or other entities to the IoT devices and/or to an IoT platform.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 16/2455 - Query execution
  • H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols
  • H04L 9/40 - Network security protocols
  • H04L 67/12 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks

20.

Edge computing for machine learning

      
Application Number 16885327
Grant Number 12265888
Status In Force
Filing Date 2020-05-28
First Publication Date 2025-04-01
Grant Date 2025-04-01
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Meyer, Gregory Brian
  • Lopez, Mark Anthony
  • Durairaj, Ravi
  • Serrao, Nolan
  • Kwak, Victor
  • Russell, Ryan Thomas
  • Russell, Christopher
  • Lyle, Ruthie D.

Abstract

A system and method for performing machine learning in a mobile computing device which is configured to be coupled with a cloud computing system is disclosed. The method may include activating, on the mobile computing device, a machine learning application, which accesses a local machine learning system including a local machine learning model, periodically updating the local machine learning system based upon updates for the local machine learning system received from a global machine learning system hosted by the cloud computing system, performing machine learning based on received training data, and periodically transmitting changes to the local machine learning system from the mobile computing device to the global machine learning system hosted by the cloud computing system.

IPC Classes  ?

21.

Systems and methods for displaying information on a payment card

      
Application Number 17029503
Grant Number 12265955
Status In Force
Filing Date 2020-09-23
First Publication Date 2025-04-01
Grant Date 2025-04-01
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Philbrick, Ashley Raine
  • Guerra, Oscar
  • Baker, Kelly Q.
  • Dziuk, Janelle Denice

Abstract

A payment card may include a physical encoder integrated into a card body of the payment card. The physical encoder encodes data unique to the payment card and enables a point-of-sale system to read the data unique to the payment card to facilitate a transaction. The payment card may also include an electronic display integrated into the card body. The payment card may further include a card computing system integrated into the card body and having one or more processors that are configured to receive account information related to an account associated with the data unique to the payment card and to instruct the display to display the account information for visualization by a user of the payment card.

IPC Classes  ?

  • G06Q 20/00 - Payment architectures, schemes or protocols
  • G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
  • G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards

22.

Nonexistant domain forwarding in authoritative zones

      
Application Number 18436235
Grant Number 12267294
Status In Force
Filing Date 2024-02-08
First Publication Date 2025-04-01
Grant Date 2025-04-01
Owner United Services Automobile Association (USAA) (USA)
Inventor Larrew, Jason Paul

Abstract

Systems and techniques are provided herein to enable an authoritative DNS zone to selectively utilize a forwarding service to resolve domain names that cannot be resolved by the authoritative DNS zone. A forwarder indication may be provided in an authoritative DNS zone configuration file specific to the authoritative DNS zone to indicate whether the forwarding service is active.

IPC Classes  ?

  • H04L 61/4511 - Network directoriesName-to-address mapping using standardised directoriesNetwork directoriesName-to-address mapping using standardised directory access protocols using domain name system [DNS]
  • H04L 9/40 - Network security protocols
  • H04L 61/5007 - Internet protocol [IP] addresses

23.

Fire prevention with positive pressure system in a building

      
Application Number 17511667
Grant Number 12257464
Status In Force
Filing Date 2021-10-27
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Amann, Manfred
  • Haslam, Justin Dax
  • Durairaj, Ravi
  • Santacroce, Matthew Ryan
  • Desai, Snehal
  • Schroeder, Eric David
  • Moncrief Brown, Donnette L.
  • Beveridge, Meredith
  • Maciolek, Michael J.
  • Simpson, Robert Wiseman
  • Davison, Timothy Frank

Abstract

A fire prevention system for a building. The fire protection system has an inlet duct having an interior end and an exterior end. An air handler is disposed at the interior end of the inlet duct to provide air from outside the building to the air handler. A flame arrester is located at the exterior end of the inlet duct to prevent burning embers from entering the inlet duct. The fire protection system also includes an interior duct system for distributing air from the air handler through the building. Distribution vents in the interior duct system allow flow of air from the interior duct system to the interior of the building to raise the pressure in the building above the outside pressure. Exhaust vents to allow flow of air out of the building. Also, a method for fire prevention for a building exposed to a fire.

IPC Classes  ?

  • A62C 3/02 - Fire prevention, containment or extinguishing specially adapted for particular objects or places for area conflagrations, e.g. forest fires, subterranean fires
  • A62C 37/36 - Control of fire-fighting equipment an actuating signal being generated by a sensor separate from an outlet device

24.

Audio feedback-based video authentication method and system

      
Application Number 17822446
Grant Number 12259957
Status In Force
Filing Date 2022-08-26
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Lyle, Ruthie D.
  • Desai, Snehal
  • Harris, David Joaquin
  • Schroeder, Eric David
  • Calusinski, Jeffrey David

Abstract

A remote audio signal-based method and system of performing an authentication of video of a person in order to authorize access to a secured resource. An audio security token with a first set of features is generated and stored for each user. During subsequent sessions, the system and method are configured to cause a remote computing device to play a specific audio signal while collecting audio data from a microphone of the same device. The audio data is evaluated to determine if the same features are present as in the first set of features. If the features are present, the system determines the image is authentic and can verify an identity of the person, and can further be configured to automatically grant the person access to one or more services, features, or information for which he or she is authorized.

IPC Classes  ?

  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06F 21/31 - User authentication
  • G06V 40/16 - Human faces, e.g. facial parts, sketches or expressions
  • G10L 25/51 - Speech or voice analysis techniques not restricted to a single one of groups specially adapted for particular use for comparison or discrimination

25.

Non-fungible token transaction management systems and methods for user verification or credentialing

      
Application Number 17682524
Grant Number 12259962
Status In Force
Filing Date 2022-02-28
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Warnick, Mark Paxman
  • Prasad, Bharat
  • Chavez, Carlos J P
  • Durairaj, Ravi
  • Ruiz, Mitzi
  • Matowitz, Theresa Marie
  • Wu, Huihui

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.

IPC Classes  ?

  • G06F 21/45 - Structures or tools for the administration of authentication

26.

Systems and methods for user authentication via mobile device

      
Application Number 18476146
Grant Number 12260414
Status In Force
Filing Date 2023-09-27
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Courtright, Christopher Paul
  • Billman, Bradly Jay

Abstract

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.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
  • G06F 3/04842 - Selection of displayed objects or displayed text elements
  • G06F 18/22 - Matching criteria, e.g. proximity measures
  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06T 11/60 - Editing figures and textCombining figures or text

27.

Non-fungible token transaction management systems and methods for digital health data

      
Application Number 17563905
Grant Number 12260440
Status In Force
Filing Date 2021-12-28
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Warnick, Mark Paxman
  • Prasad, Bharat
  • Chavez, Carlos Jp
  • Durairaj, Ravi
  • Ruiz, Mitzi
  • Matowitz, Theresa Marie
  • Wu, Huihui

Abstract

A health data management method using non-fungible tokens may include receiving, via one processor, digital health data and encrypting or obscuring personal identifying information of the digital health data. The method may then involve using the digital health data with encrypted or obscured personal identifying information to generate a non-fungible token and providing the non-fungible tokens in a marketplace. The method may also involve accepting an offer from a purchaser for the non-fungible token via the marketplace and providing unobscured digital health data or an encryption key to the purchaser of the non-fungible token.

IPC Classes  ?

  • G06Q 30/00 - Commerce
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06Q 30/0601 - Electronic shopping [e-shopping]
  • G16H 10/60 - ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records
  • H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system

28.

Augmented reality interface for visualizing and coordinating disaster event response efforts

      
Application Number 18128141
Grant Number 12260753
Status In Force
Filing Date 2023-03-29
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (USA)
Inventor
  • Smith, Arthur Quentin
  • Guerra, Oscar
  • Black, Robert Lee
  • Chalmers, Timothy Blair
  • Haslam, Justin Dax
  • Martinez, Noe Alberto
  • Mceachron, Jon D.

Abstract

A method includes receiving, via at least one processor, data from a plurality of data sources disposed within an area, the data including area data, emergency event data, and emergency resource data; generating, via the at least one processor, based on the data, a visualization including a graphical representation of the area based on the area data, the emergency event data, the emergency resource data, or any combination thereof; determining, based on an interaction with the visualization, an emergency response plan for a vehicle, wherein the response plan includes an evacuation plan; sending the emergency response plan to a vehicle system associated with the vehicle, wherein the vehicle system is configured to: determine a location associated with the emergency response plan; determine a route to the location; and send instructions to one or more traffic assets along the route to the location, the instructions configured to cause the one or more traffic assets to adjust one or more signals.

IPC Classes  ?

  • H04W 4/90 - Services for handling of emergency or hazardous situations, e.g. earthquake and tsunami warning systems [ETWS]
  • G08G 1/081 - Plural intersections under common control
  • G08G 1/087 - Override of traffic control, e.g. by signal transmitted by an emergency vehicle
  • G08G 1/095 - Traffic lights

29.

Systems and methods for sanitized transactions with automatic teller machine

      
Application Number 17008374
Grant Number 12257359
Status In Force
Filing Date 2020-08-31
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Guerra, Oscar
  • Hansen, Gregory David
  • Thomas, Anto Chirayil

Abstract

An automated teller system is provided that includes a user interface configured to receive user input, a bill counter configured to assemble cash, and a sanitizer configured to receive the cash in a sanitized condition and dispense the cash in the sanitized condition via an access port. The automated teller system also includes one or more processors and memory storing machine-readable instructions that, when executed by the one or more processors, are configured to cause the one or more processors to control the bill counter to assemble the cash based on a withdrawal request, the withdrawal request received as the user input via the user input, to control sanitization of the cash by the sanitizer to provide the cash in the sanitized condition and to control the cash dispenser to dispense the cash in the sanitized condition via the access port.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
  • A61L 2/10 - Ultraviolet radiation
  • A61L 2/18 - Liquid substances
  • A61L 2/26 - Accessories
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G07D 11/23 - Means for sensing or detection for sensing the quantity of valuable papers in containers
  • G07D 11/50 - Sorting or counting valuable papers
  • G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
  • G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures

30.

Automatic flooring type detector

      
Application Number 18494958
Grant Number 12259363
Status In Force
Filing Date 2023-10-26
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Schroeder, Eric David
  • Brown, Donnette Moncrief
  • Amann, Manfred
  • Mohs, Bobby Lawrence
  • Simpson, Robert Wiseman
  • Lecocke, Meredith Beveridge
  • Gray, Margaret Emily

Abstract

An acoustic apparatus and method of determining the composition of a floor, based on the filtered sound waves produced by vibrating the floor is disclosed. The apparatus includes a transducer for generating vibrations and/or sound, as well as microphones for detecting sounds. The apparatus may include two microphones so that ambient noise can be removed from an audio signal.

IPC Classes  ?

31.

Monitoring automated virtual machine reclamation

      
Application Number 18362350
Grant Number 12259787
Status In Force
Filing Date 2023-07-31
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Shaik, Ahmad Ali
  • Zuniga, Arturo

Abstract

Aspects of the present disclosure provide a monitoring algorithm that ensures that each step of an automated virtual machine reclamation process executes correctly before moving on to the next step. After each step of the process, some implementations can determine whether the resulting data is correct. If the resulting data is incorrect, some implementations can initially revert any fields updated by the process to their correct value. Some implementations can further decide whether to resubmit the virtual machine for reclamation automatically, or queue it for manual review based on, for example, multiple or repeated failures, server or data center failures, etc. Thus, some implementations can not only automate each step of the reclamation process, but also provide process evaluation and error detection for the reclamation process.

IPC Classes  ?

  • G06F 11/00 - Error detectionError correctionMonitoring
  • G06F 11/07 - Responding to the occurrence of a fault, e.g. fault tolerance
  • G06F 11/14 - Error detection or correction of the data by redundancy in operation, e.g. by using different operation sequences leading to the same result

32.

Method and apparatus for digital identity authentication

      
Application Number 18419834
Grant Number 12260409
Status In Force
Filing Date 2024-01-23
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Adam, Patrick
  • Trimmier, Dustin Starr
  • Gonzalez, Steven

Abstract

A system and method for providing proof of a digital identification of a user which may include activating, on a mobile computing device, a bank application and a digital identification service provider application, and which may allow the bank application to have access to user accounts after the bank application receives a digital identification from the digital identification service provider application in order to provide proof of identify with speed and security.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems

33.

Building mapping tools

      
Application Number 18481556
Grant Number 12260436
Status In Force
Filing Date 2023-10-05
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Enochs, Andrew Luke
  • Dixon, David Patrick
  • Ngure, Samuel
  • Myrick, Scott Matthew
  • Bernstein, Davin

Abstract

System, methods, and apparatus for determining a foundation profile of a floor and/or a room profile of a room based on information obtained by a scanner device. For example, a scanner device can perform a scan operation of at least one floor in at least one room, generate a foundation profile that describes at least an area underneath the at least one floor based on the scan operation, and generate and send, to a server, a message comprising the foundation profile for the at least one floor and a location of the building. The server can receive the message, determine, based on the location of the building, an account identifier that uniquely identifies an account associated with the building, and store the foundation profile for the at least one floor in a database in a location associated with the account identifier.

IPC Classes  ?

  • G01S 19/25 - Acquisition or tracking of signals transmitted by the system involving aiding data received from a cooperating element, e.g. assisted GPS
  • G01N 29/06 - Visualisation of the interior, e.g. acoustic microscopy
  • G01N 29/265 - Arrangements for orientation or scanning by moving the sensor relative to a stationary material
  • G06Q 30/0283 - Price estimation or determination
  • G06Q 50/16 - Real estate
  • G06T 7/00 - Image analysis
  • G06T 7/62 - Analysis of geometric attributes of area, perimeter, diameter or volume
  • G06V 20/10 - Terrestrial scenes
  • H04N 13/204 - Image signal generators using stereoscopic image cameras

34.

System, computing device, and method for document detection and deposit processing

      
Application Number 18515587
Grant Number 12260700
Status In Force
Filing Date 2023-11-21
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner United Services Automobile Association (USAA) (USA)
Inventor Bueche, Jr., Michael Patrick

Abstract

An image of a check is captured by an imaging device and processing of the digital image of the check for deposit at a remote server may be accomplished with a downloaded software application on a portable computing device associated with the imaging device. The downloaded application may include one or more trained machine learning models for processing the captured image. The portable computing device may utilize deterministic algorithms for certain image processing tasks and machine learning models for others. The selection between machine learning and deterministic processing may be made locally on the portable device or in response to instructions from an institution server to use a particular processing method.

IPC Classes  ?

35.

Systems and methods for determining the driver of a vehicle

      
Application Number 18417343
Grant Number 12261975
Status In Force
Filing Date 2024-01-19
First Publication Date 2025-03-25
Grant Date 2025-03-25
Owner United Services Automobile Association (USAA) (USA)
Inventor Russell, Christopher M.

Abstract

A system and method for disabling distracting apps on a driver's personal devices while allowing passengers travelling in the same vehicle to have full use of their personal devices. The system works by first identifying all the personal devices that are in the vehicle and then establishing a loose mesh network between those devices. Once the mesh network is established, the system identifies which of the personal devices is associated with the driver, and ensures that any distracting apps on the driver's personal device are disabled, while allowing full functionality for any passenger's personal devices.

IPC Classes  ?

  • H04M 1/72463 - User interfaces specially adapted for cordless or mobile telephones with means for adapting the functionality of the device according to specific conditions to restrict the functionality of the device
  • B60K 35/00 - Instruments specially adapted for vehiclesArrangement of instruments in or on vehicles
  • B60K 35/29 - Instruments characterised by the way in which information is handled, e.g. showing information on plural displays or prioritising information according to driving conditions
  • B60W 40/08 - Estimation or calculation of driving parameters for road vehicle drive control systems not related to the control of a particular sub-unit related to drivers or passengers
  • G06F 1/16 - Constructional details or arrangements
  • G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
  • G06F 3/14 - Digital output to display device
  • G06F 13/10 - Program control for peripheral devices
  • H04W 48/04 - Access restriction performed under specific conditions based on user or terminal location or mobility data, e.g. moving direction or speed

36.

Systems and methods for position-based building guidance

      
Application Number 18229518
Grant Number 12253363
Status In Force
Filing Date 2023-08-02
First Publication Date 2025-03-18
Grant Date 2025-03-18
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Waful, Christopher James
  • Humphreys, Rachael Ann
  • Wang, Xin
  • Dyl, Mateusz Peter
  • Blair, Matthew
  • Buentello, Andre Rene
  • Garcia, Paul

Abstract

The present disclosure relates to system that includes a database including data associated with one or more building features of a building. The system includes a processor of a computing device. The processor is configured to determine an absolute position of the computing device within the building. The processor is configured to identify at least one of the building features located within a threshold distance of the absolute position of the computing device based on a query of the database. Additionally, the processor is configured to generate an alert configured to cause the computing device to display information associated with the at least one of the building features or output an audible signal associated with the at least one of the building features.

IPC Classes  ?

  • G01C 21/20 - Instruments for performing navigational calculations
  • G06F 16/29 - Geographical information databases

37.

Fluid storage water monitor

      
Application Number 18072895
Grant Number 12253437
Status In Force
Filing Date 2022-12-01
First Publication Date 2025-03-18
Grant Date 2025-03-18
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Huggar, Stacy Callaway
  • Krebs, Emily Kathleen
  • Pollack, Jeffrey Neal
  • Chavez, Carlos J P
  • Acosta, Stefanie Jean
  • Dziuk, Janelle Denice
  • Ruiz, Mitzi
  • Gaeta, Michael Joseph

Abstract

A water detection system for a fluid storage system includes a housing configured to be disposed in fluid communication with a fluid storage vessel, a water-activated battery disposed within the housing and configured to produce an electrical voltage upon contact with water, and an electronic circuit disposed within the housing and configured to detect water above a threshold within the fluid storage vessel based at least in part on the electrical voltage.

IPC Classes  ?

  • G01M 3/40 - Investigating fluid tightness of structures by using electric means, e.g. by observing electric discharges
  • G01F 23/80 - Arrangements for signal processing
  • G08B 21/20 - Status alarms responsive to moisture

38.

Parallel data provision

      
Application Number 18475982
Grant Number 12256213
Status In Force
Filing Date 2023-09-27
First Publication Date 2025-03-18
Grant Date 2025-03-18
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Csabi, Rachel Elizabeth
  • King, Hollie Ilene
  • Kwak, Victor
  • Lake, Zachery C.
  • Rai, Yogen
  • Taylor, Samantha Elizabeth
  • Wheeler, Nicholas C.

Abstract

A system includes a client device including a processor, a telephony radio that supports telephony communications, and a data radio that supports data communications. The client device conducts, via the telephony radio, a call with a telephony service. Further the client device identifies a context of the call, identifies a subset of stored private data associated with the context of the call; and in parallel with the call, provides the subset of the stored private data, via a data radio, to a data service.

IPC Classes  ?

  • H04W 12/02 - Protecting privacy or anonymity, e.g. protecting personally identifiable information [PII]
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • H04M 3/51 - Centralised call answering arrangements requiring operator intervention
  • H04W 4/18 - Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
  • H04W 4/20 - Services signallingAuxiliary data signalling, i.e. transmitting data via a non-traffic channel
  • H04W 76/16 - Setup of multiple wireless link connections involving different core network technologies, e.g. a packet-switched [PS] bearer in combination with a circuit-switched [CS] bearer
  • H04L 9/40 - Network security protocols
  • H04M 3/42 - Systems providing special services or facilities to subscribers
  • H04W 80/12 - Application layer protocols, e.g. WAP [Wireless Application Protocol]

39.

System and method for determining physical locations of addresses

      
Application Number 18631924
Grant Number 12250612
Status In Force
Filing Date 2024-04-10
First Publication Date 2025-03-11
Grant Date 2025-03-11
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Gray, Emily Margaret
  • Bitsis, Jr., Daniel Christopher
  • Kou, Qunying
  • Simpson, Robert Wiseman
  • Amann, Manfred
  • Brown, Donnette Moncrief
  • Schroeder, Eric David
  • Beveridge, Meredith
  • Maciolek, Michael J.
  • Mohs, Bobby Lawrence
  • Shipley, Brian F.
  • Haslam, Justin Dax
  • Philbrick, Ashley Raine

Abstract

A method of determining a physical location for an address. The method includes receiving from a first global positioning system on a vehicle a first set of global positioning data indicative of a vehicle location. The method may also receive from a second global positioning system on a portable electronic device a second set of global positioning data indicative of a portable electronic device location. The method may also receive a set of location metadata associated with a picture. The method determines a residence location from the first set of global positioning data, the second set of global positioning data, or the set of location metadata. The method then associates the physical location to the address.

IPC Classes  ?

  • G01S 5/02 - Position-fixing by co-ordinating two or more direction or position-line determinationsPosition-fixing by co-ordinating two or more distance determinations using radio waves
  • G06F 16/29 - Geographical information databases
  • G06F 16/9537 - Spatial or temporal dependent retrieval, e.g. spatiotemporal queries
  • H04L 67/52 - Network services specially adapted for the location of the user terminal
  • H04W 4/02 - Services making use of location information
  • H04W 4/021 - Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
  • H04W 4/029 - Location-based management or tracking services
  • H04W 64/00 - Locating users or terminals for network management purposes, e.g. mobility management

40.

System on board an on-road vehicle for identifying, tagging and reporting hazardous drivers in the vicinity of a host vehicle

      
Application Number 18545440
Grant Number 12248663
Status In Force
Filing Date 2023-12-19
First Publication Date 2025-03-11
Grant Date 2025-03-11
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Flachsbart, Matthew T.
  • Noorani, Ameer A.
  • Billman, Bradly Jay
  • Desai, Snehal
  • Matheson, Cory
  • Hillman, James Phillip
  • Anaruk, Andrew L.

Abstract

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.

IPC Classes  ?

  • G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
  • G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
  • G06F 3/16 - Sound inputSound output
  • G06V 20/62 - Text, e.g. of license plates, overlay texts or captions on TV images

41.

Systems and methods for computer infrastructure monitoring and maintenance

      
Application Number 18405209
Grant Number 12242333
Status In Force
Filing Date 2024-01-05
First Publication Date 2025-03-04
Grant Date 2025-03-04
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Carranza, Manuel A
  • Sekula, Chase T.
  • Moore, Mark S.
  • Ringer, Mathew P.

Abstract

A method for detecting computer issues includes identifying a target computer system. A first set of data for a first time period relating an operating metric from the target computer system are received. The operating metric is stored. A second set of data for a second time period relating to the operating metric is received. The first and second sets of data are compared. A difference between the two sets of data is identified. If the difference between the two sets of data is within a range a warning notification is displayed in a graphical user interface. An input is received in the graphical user interface in response to the warning notification being displayed.

IPC Classes  ?

  • G06F 11/00 - Error detectionError correctionMonitoring
  • G06F 11/07 - Responding to the occurrence of a fault, e.g. fault tolerance

42.

Interactive kiosk for branchless banking

      
Application Number 16374487
Grant Number 12243027
Status In Force
Filing Date 2019-04-03
First Publication Date 2025-03-04
Grant Date 2025-03-04
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Prasad, Bharat
  • Vijayvergia, Gunjan
  • Oakes, Iii, Charles Lee

Abstract

An automated banking terminal for facilitating a financial transaction is provided. The automated banking terminal includes a processor, a display for presenting a set of customer menu options, and a communication interface. The automated banking terminal also includes expansion slots which have a mechanical interface and an electrical interface. Expansion modules may be connected to the processor through the expansion slots. An expansion module may be a cash dispensing module, a cash receiving and counting module, a check receiving module, a printer, a scanner, a biometric interface, a signature pad, an account card reader, or an account card programmer. The processor of the automated banking terminal is configured to detect the expansion module and determine additional menu options to supplement the customer menu options based on detecting the expansion module.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems

43.

Adaptive probability matrix

      
Application Number 18522196
Grant Number 12243097
Status In Force
Filing Date 2023-11-28
First Publication Date 2025-03-04
Grant Date 2025-03-04
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Choi, Sang Woo
  • Davison, Timothy
  • Rapport, Garrett Rielly

Abstract

The technology described includes an adaptive probability matrix that creates a notification schedule. The schedule can be used to send reminders to users to press a physical, connected device/button, that when pressed or clicked, causes money to be transferred according to a set of rules (i.e., a “one-click” transfer of funds).

IPC Classes  ?

  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
  • G06F 17/18 - Complex mathematical operations for evaluating statistical data
  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems

44.

Systems and methods for secure logon

      
Application Number 18423602
Grant Number 12244591
Status In Force
Filing Date 2024-01-26
First Publication Date 2025-03-04
Grant Date 2025-03-04
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Buckingham, Thomas B.
  • Davey, Richard A.
  • Sanclemente, Tammy
  • Johnson, Ryan M.
  • Leatham, Adam J.
  • Wilkinson, Christopher Thomas

Abstract

The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.

IPC Classes  ?

  • H04L 9/40 - Network security protocols
  • G06F 21/34 - User authentication involving the use of external additional devices, e.g. dongles or smart cards
  • G06F 21/41 - User authentication where a single sign-on provides access to a plurality of computers
  • H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
  • G06F 21/31 - User authentication

45.

Automatic querying through selection of registered data sets

      
Application Number 17877784
Grant Number 12242480
Status In Force
Filing Date 2022-07-29
First Publication Date 2025-03-04
Grant Date 2025-03-04
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Martinez, Matthew James
  • Campbell, Joseph James Albert
  • Holness, Quentin L.
  • West, Ryan Matthew
  • Ballew, Rachel Michelle
  • Palermo, Mitchell Wade

Abstract

Methods and systems described herein are directed to creating customized queries on data sets via selection of search elements based on meta-data from data set registrations. In some implementations, an automatic query system can register database elements with associated meta-data by receiving programming data objects, corresponding to database elements, with meta-data and adding the programming objects as selectable values for a user interface (UI). Each data object can define one or more elements for a table and/or column(s) within a table in a database. The automatic query system can provide the UI to a user to receive table and column selections. The automatic query system can select a root table to join the selected tables into, and generate a join query for the root table by inserting search string snippets, corresponding to selected tables and columns, into a query template.

IPC Classes  ?

46.

Gaze detection and application

      
Application Number 17871932
Grant Number 12242580
Status In Force
Filing Date 2022-07-23
First Publication Date 2025-03-04
Grant Date 2025-03-04
Owner United Services Automobile Association (USAA) (USA)
Inventor Philbrick, Ashley Raine

Abstract

A gaze detection and application system can determine gaze points for user gazes, determine the contexts of gaze points, and customize contents on display devices, such as by making them visible. The gaze detection and application system can use camera devices to determine a display point (the “gaze point”) corresponding to where a user is currently gazing at in real-time on a display device. In some implementations, the gaze detection and application system can determine whether the gaze point is in proximity to sensitive contents hidden on the display device. The gaze detection and application system can identify subjects within a camera frame and can determine whether the identified subjects are permitted to access the sensitive contents. If the subjects are permitted, then the gaze detection and application system can make the sensitive contents visible on the display device.

IPC Classes  ?

  • G06F 21/00 - Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
  • G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules

47.

Digital reputation management

      
Application Number 18309472
Grant Number 12243090
Status In Force
Filing Date 2023-04-28
First Publication Date 2025-03-04
Grant Date 2025-03-04
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Erickson, Jennifer Hunt
  • Prasad, Bharat
  • Desai, Snehal

Abstract

Embodiments described herein disclose methods and systems for managing a digital reputation of a user. The exemplary method can receive information about an item to be purchased by the user, determine in real-time or near real-time, based on one or more financial factors, a first digital reputation score indicative of an effect of the item on the user's digital reputation, determine an alternative item to be purchased instead of the item to be purchased, and determine a second digital reputation score based on the purchase of the alternative item.

IPC Classes  ?

  • G06Q 30/06 - Buying, selling or leasing transactions
  • G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
  • G06F 3/04847 - Interaction techniques to control parameter settings, e.g. interaction with sliders or dials
  • G06Q 30/0251 - Targeted advertisements
  • G06Q 30/0601 - Electronic shopping [e-shopping]
  • G06Q 99/00 - Subject matter not provided for in other groups of this subclass
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • H04B 1/3827 - Portable transceivers

48.

System with non-newtonian dilatent fluid to stop hail damage

      
Application Number 18498930
Grant Number 12234665
Status In Force
Filing Date 2023-10-31
First Publication Date 2025-02-25
Grant Date 2025-02-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Hinojosa, Cynthia Ann
  • Contreras, Andrew Jacob
  • Williamson, Lemont
  • Gregorio, Igor Alexandre
  • Young, Stephen Anthony
  • Seaton, Jonathan Edward
  • Bunton, Shirley Elizabeth
  • Dickson, Shayna
  • Pena, Ric M.

Abstract

A roof protecting system for protecting the roof of a building from hail damage. The roof protecting system includes a roof covering structure adapted to cover a portion of the roof and capable of holding a non-Newtonian dilatant fluid; a deployment system to dispose the roof covering structure onto the roof; and a delivery system for delivering the non-Newtonian dilatant fluid to the roof covering structure.

IPC Classes  ?

  • E04H 9/14 - Buildings, groups of buildings or shelters adapted to withstand or provide protection against abnormal external influences, e.g. war-like action, earthquake or extreme climate against other dangerous influences, e.g. tornadoes, floods
  • E04D 5/12 - Roof covering by making use of flexible material, e.g. supplied in roll form specially modified, e.g. perforated, with granulated surface, with attached pads

49.

Virtual notarization using cryptographic techniques and biometric information

      
Application Number 18465959
Grant Number 12235946
Status In Force
Filing Date 2023-09-12
First Publication Date 2025-02-25
Grant Date 2025-02-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Lindley, David
  • Nagelberg, Alexander Benetto
  • Mortensen, Maland Keith
  • Delong, Joseph Gregory
  • Tripathy, Shantanu K.
  • Golden, Zachary T.
  • Love, Ii, Kevin D.
  • Anderson, Brian Keith
  • Moore, Kasey T.

Abstract

Methods and systems described in this disclosure electronically notarize a document. The system can receive biometric information from a user, extract characteristics from the biometric information, and compare the characteristics of the biometric information with previously stored characteristics of the user's biometric information. When the characteristics of the biometric information match the previously stored characteristics to a threshold, the system can create an identity of the user using the characteristics of the biometric information. The system can send a document to the user for cryptographic signature and receive an indication that the document has been signed. The cryptographic signature can be generated with a digest of the document, the identity, and a cryptographic key associated with the user. The system can inspect the digest of the document, the cryptographic key, and the identity associated with the document to verify authenticity of the document and the identity of the user.

IPC Classes  ?

  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06F 21/60 - Protecting data
  • H04L 9/08 - Key distribution
  • H04L 9/40 - Network security protocols
  • G06F 16/93 - Document management systems
  • H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols

50.

Kiosk security system

      
Application Number 18183361
Grant Number 12236409
Status In Force
Filing Date 2023-03-14
First Publication Date 2025-02-25
Grant Date 2025-02-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Krebs, Emily Kathleen
  • Huggar, Stacy Callaway
  • Pollack, Jeffrey Neal
  • Khmelev, Yevgeniy Viatcheslavovich
  • Lopez, Mark Anthony
  • Russell, Ryan Thomas

Abstract

Image processing techniques can be used to determine whether a person has installed an unauthorized device on or in a kiosk. For example, an image processing server can determine whether a person's hand(s) are engaging in abnormal behavior by obtaining recorded images of the person's hand(s) that extend towards the kiosk to perform an action, and by comparing the information in the recorded images with a set of previously known information about other persons' hands that are similarly extended towards the kiosk.

IPC Classes  ?

  • G06Q 20/00 - Payment architectures, schemes or protocols
  • G06F 21/83 - Protecting input, output or interconnection devices input devices, e.g. keyboards, mice or controllers thereof
  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
  • G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
  • G06V 10/74 - Image or video pattern matchingProximity measures in feature spaces
  • G06V 20/52 - Surveillance or monitoring of activities, e.g. for recognising suspicious objects
  • G06V 40/10 - Human or animal bodies, e.g. vehicle occupants or pedestriansBody parts, e.g. hands
  • G06V 40/20 - Movements or behaviour, e.g. gesture recognition
  • G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
  • G08B 13/196 - Actuation by interference with heat, light, or radiation of shorter wavelengthActuation by intruding sources of heat, light, or radiation of shorter wavelength using passive radiation detection systems using image scanning and comparing systems using television cameras

51.

Fraud detection using knowledge graphs

      
Application Number 17458669
Grant Number 12236431
Status In Force
Filing Date 2021-08-27
First Publication Date 2025-02-25
Grant Date 2025-02-25
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Jayapalan, Vijay
  • Calusinski, Jeffrey David

Abstract

A system and method for tasks assistance using a learning module comprising a knowledge graph and associated graph neural network is disclosed. The system can represent data using a knowledge graph, and generate embeddings of the knowledge graph for detecting latent patterns in the data that may be obscured in a high dimensional representation of the data. The system can more readily detect fraud patterns and take appropriate fraud limiting actions.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • G06N 3/02 - Neural networks
  • G06N 5/02 - Knowledge representationSymbolic representation

52.

Systems and methods for sharing user data

      
Application Number 17710112
Grant Number 12229308
Status In Force
Filing Date 2022-03-31
First Publication Date 2025-02-18
Grant Date 2025-02-18
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Guerra, Oscar
  • Jennings, Megan Sarah
  • Bitter, Dustin Bowen
  • Krishnaswamy, Pooja
  • Holloway, Iii, Donald Nathaniel
  • Dama, Nikhil

Abstract

A data sharing system may facilitate sharing of data with third party systems. The data sharing request can be identified as being a potential privacy risk. To reduce the potential privacy risk, in one example, requested user data can be modified prior to sharing. The modified user data can be shared with the third party system rather than sharing unmodified user data.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06T 1/00 - General purpose image data processing

53.

System and method for structure authentication using NFTS

      
Application Number 18085326
Grant Number 12231567
Status In Force
Filing Date 2022-12-20
First Publication Date 2025-02-18
Grant Date 2025-02-18
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Khmelev, Yevgeniy Viatcheslavovich
  • Meyer, Gregory
  • Ethington, Seth E.
  • Ethington, Benjamin D.

Abstract

A structure authentication system includes a sensor configured to sense identifying features of a three-dimensional (3D) printed structure and generate identifying feature data based on the identifying features, as well as a processor configured to receive, from the sensor, the identifying feature of the 3D printed structure. The processor is also configured to analyze the identifying feature data along with a non-fungible token (NFT) database that correlates a plurality of NFTs to a plurality of identifying feature data to determine whether the 3D printed structure is associated with an NFT within the NFT database. Additionally, the processor is configured to query a blockchain to determine whether the NFT is authentically associated with the 3D printed structure. The processor is also configured to, in response to determining that the NFT is authentically associated with the 3D printed structure, send a notification to a user device indicating that the 3D printed structure is authentic.

IPC Classes  ?

  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • G06F 21/45 - Structures or tools for the administration of authentication
  • G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
  • H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system

54.

Systems and methods for fraud prevention

      
Application Number 18143283
Grant Number 12231990
Status In Force
Filing Date 2023-05-04
First Publication Date 2025-02-18
Grant Date 2025-02-18
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Taylor, Samantha Elizabeth
  • Rai, Yogen
  • Lake, Zachery C.
  • Csabi, Rachel Elizabeth
  • King, Hollie Ilene
  • Wheeler, Nicholas C.
  • Kwak, Victor

Abstract

A computing device establishes communication with a financial institution communication device, and receives an instruction for a user to perform an action to authenticate the user. The action includes providing user-provided data indicative of a location. The computing device determines first location information based on the user-provided data. The computing device also determines second location information using a location sensor. The computing device authenticates the used based on determining that the first location information correlates to the second location information.

IPC Classes  ?

  • H04W 4/029 - Location-based management or tracking services
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06V 40/16 - Human faces, e.g. facial parts, sketches or expressions
  • H04W 12/06 - Authentication

55.

Anonymized transfer of personally identifiable information

      
Application Number 18145498
Grant Number 12229316
Status In Force
Filing Date 2022-12-22
First Publication Date 2025-02-18
Grant Date 2025-02-18
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Craig, Sean Michael Wayne
  • Jolliffe, Roberto Virgillio

Abstract

Some implementations of the technology relate to anonymizing personally identifiable information (PII) by creating a quick response (QR) code linked to a website that can verify that driver's license information and insurance information of a driver is available and valid, without showing the PII itself. Some implementations can allow another driver in an automobile accident to scan the QR code, enter her own insurance information, and can push the driver's PII to her insurance company. Some implementations can allow the other driver to download an encrypted file with the PII that can be shared with his insurance company. The QR code can be used in other contexts outside of automobile accidents as well, such as when a driver wishes to test drive a car, rent a car, buy a new car, etc., and needs to provide proof of a valid driver's license and insurance coverage.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 21/60 - Protecting data
  • G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
  • G06Q 40/08 - Insurance

56.

All-in-one multi-access wireless devices

      
Application Number 17683540
Grant Number 12230089
Status In Force
Filing Date 2022-03-01
First Publication Date 2025-02-18
Grant Date 2025-02-18
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Krishnaswamy, Pooja
  • Hartshorn, Joel S
  • Philbrick, Ashley Raine
  • Serrao, Nolan

Abstract

An all-in-one multi-access device that provides access points for opening doors, using credit cards, obtaining and displaying tickets, storing information and other applications. The device may include one or more biometric sensors that ensure that it could only be used by an authorized person. In addition to providing keyless entry, the all-in-one multi-access device may also include a digital screen that can display information for credit cards, concert tickets, and airline tickets. In some embodiments, the device may include a magnetic strip and/or a chip to maintain backwards compatibility with older devices, such as magnetic strip readers and chip readers.

IPC Classes  ?

  • G07C 9/00 - Individual registration on entry or exit
  • G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
  • G07C 9/25 - Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
  • G07C 9/29 - Individual registration on entry or exit involving the use of a pass the pass containing active electronic elements, e.g. smartcards

57.

Ingesting, augmenting, and querying records across user accounts

      
Application Number 17560514
Grant Number 12223552
Status In Force
Filing Date 2021-12-23
First Publication Date 2025-02-11
Grant Date 2025-02-11
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Kottoor, Mathew Cyriac
  • Luck, Gideon Bowie
  • Mangalagiri, Pradeep R.
  • Flores, Andrew
  • Jordan, Iris
  • Louwagie, Iii, Joseph H.

Abstract

Implementations ingest records across multiple accounts hosted by different service providers and augment the records with metadata. For example, ingesting can include processing the records to identify transactions in the records and to discover additional aspects of the transactions. In some implementations, metadata can be used to augment the identified transactions in the records, where metadata can include a category, a digital receipt, a user tag such as a geotag, and other suitable metadata. The ingesting and augmenting the records can populate a coordination data structure with identified transactions and their associated data elements. These identified transactions can then be queried and a result set of transactions that span the different user accounts can be returned. In some implementations, the transactions can be queried using the augmented metadata, or other suitable pieces of information for the transactions.

IPC Classes  ?

  • G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
  • G06F 16/2457 - Query processing with adaptation to user needs
  • G06F 16/25 - Integrating or interfacing systems involving database management systems
  • G06Q 40/12 - Accounting

58.

Foundation tilt reporting systems and methods

      
Application Number 17748764
Grant Number 12209381
Status In Force
Filing Date 2022-05-19
First Publication Date 2025-01-28
Grant Date 2025-01-28
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Nash, Justin Royell
  • Luck, Gideon Bowie
  • Wu, Huihui
  • Kennedy, Julia Yilan
  • Khmelev, Yevgeniy Viatcheslavovich
  • Selvam, Subhalakshmi
  • Billman, Bradly Jay

Abstract

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.

IPC Classes  ?

  • G01C 15/00 - Surveying instruments or accessories not provided for in groups
  • E02D 33/00 - Testing foundations or foundation structures
  • G01C 19/06 - Rotors

59.

Systems and methods for automatic detection of an event and providing resources customized based on the event

      
Application Number 18623182
Grant Number 12210915
Status In Force
Filing Date 2024-04-01
First Publication Date 2025-01-28
Grant Date 2025-01-28
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Durairaj, Ravi
  • Farmer, William Daniel
  • Hartshorn, Joel S.
  • Kou, Qunying
  • Yarbrough, Gregory

Abstract

Implementations are disclosed to automatically evaluate, detect, or predict an event, and provide customized virtual assistance to a user based on the event. The implementations include a system capable of pulling data from a client device, detecting an event based on the pulled data, and pushing customized digital resources to the client device based on the detected event.

IPC Classes  ?

  • G06F 9/50 - Allocation of resources, e.g. of the central processing unit [CPU]
  • G10L 15/18 - Speech classification or search using natural language modelling
  • H04L 67/55 - Push-based network services
  • G10L 15/08 - Speech classification or search

60.

Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments

      
Application Number 18107083
Grant Number 12211015
Status In Force
Filing Date 2023-02-08
First Publication Date 2025-01-28
Grant Date 2025-01-28
Owner UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (USA)
Inventor
  • Prasad, Bharat
  • Burks, Rickey Dale
  • Liang, Minya

Abstract

The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.

IPC Classes  ?

  • G06Q 20/04 - Payment circuits
  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems

61.

System and method for mobile check deposit enabling auto-capture functionality via video frame processing

      
Application Number 18593854
Grant Number 12211095
Status In Force
Filing Date 2024-03-01
First Publication Date 2025-01-28
Grant Date 2025-01-28
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Bueche, Jr., Michael Patrick
  • Prasad, Bharat
  • Liang, Minya
  • Medina, Reynaldo
  • Oakes, Iii, Charles Lee

Abstract

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.

IPC Classes  ?

  • G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
  • G06T 7/13 - Edge detection
  • G06V 10/60 - Extraction of image or video features relating to illumination properties, e.g. using a reflectance or lighting model

62.

Automatic vehicle accident notifications within a distributed network of recipients

      
Application Number 17683428
Grant Number 12205456
Status In Force
Filing Date 2022-03-01
First Publication Date 2025-01-21
Grant Date 2025-01-21
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • White, Angelica Nichole
  • Mitchem, Sean Carl
  • Craig, Sean Michael Wayne
  • Selvam, Subhalakshmi
  • Russell, Christopher
  • Katz, Brian Howard
  • Jolliffe, Roberto Virgillio

Abstract

Methods and systems described herein are directed to automatedly generating entity-specific notifications of a vehicle accident occurrence for entities. In response to a notification system receiving accident data, the system can determine characteristics for the accident occurrence. Using these characteristics, the system can then determine parameters for the notifications defining types of entities which ought to be recipients in accordance with the characteristics. The system can use these parameters to locate specific entities that match the parameters. Having determined the entities, the system can issue notifications to the entities, using templates specific to the entities and with accident characteristics added.

IPC Classes  ?

  • G08B 25/00 - Alarm systems in which the location of the alarm condition is signalled to a central station, e.g. fire or police telegraphic systems
  • G07C 5/00 - Registering or indicating the working of vehicles
  • G08G 1/0965 - Arrangements for giving variable traffic instructions having an indicator mounted inside the vehicle, e.g. giving voice messages responding to signals from another vehicle, e.g. emergency vehicle
  • G08G 1/16 - Anti-collision systems

63.

SYSTEM AND METHOD FOR PROCESSING HIGH FREQUENCY CALLERS

      
Application Number 18898134
Status Pending
Filing Date 2024-09-26
First Publication Date 2025-01-16
Owner United Services Automobile Association ("USAA") (USA)
Inventor Harris, John R.

Abstract

A call processing system and method for processing calls from high volume callers. A frequency of call activity is monitored for callers to determine reception of a call from a high frequency caller. When a call is received from such a caller, provided is information predicted to be requested from the caller prior to the caller being voice connected to a company representative. The retrieved information is then provided to a company representative prior to the caller being voice connected with a company representative as to expedite the call. Additionally, a customized message for the high frequency caller may be generated prior to the caller being voice connected with a company representative whereby the customized message contains information predicted to be responsive to a predicted inquiry from the determined high frequency caller to mitigate the need to connect the caller to a company representative.

IPC Classes  ?

  • H04M 3/51 - Centralised call answering arrangements requiring operator intervention
  • H04M 3/38 - Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections
  • H04M 3/42 - Systems providing special services or facilities to subscribers
  • H04M 3/436 - Arrangements for screening incoming calls
  • H04M 3/493 - Interactive information services, e.g. directory enquiries
  • H04W 8/18 - Processing of user or subscriber data, e.g. subscribed services, user preferences or user profilesTransfer of user or subscriber data
  • H04W 12/06 - Authentication
  • H04W 80/12 - Application layer protocols, e.g. WAP [Wireless Application Protocol]

64.

Systems and methods for virtual physical distancing

      
Application Number 18494973
Grant Number 12198282
Status In Force
Filing Date 2023-10-26
First Publication Date 2025-01-14
Grant Date 2025-01-14
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Schwarz, Jr., Thomas Wayne
  • Lopez, Jeanie Graciela
  • Dziuk, Janelle Denice
  • Whittington, Paula Ann
  • Holloway, Iii, Donald Nathaniel
  • Erickson, Jennifer Hunt
  • Maney, Jr., Will Kerns
  • Billman, Bradley Jay
  • Martinez, Noe Alberto
  • Romero, Jr., Jose L.
  • Prasad, Bharat

Abstract

A system and method for helping a user carrying a smart device to maintain safe distances from other persons during an epidemic or a pandemic. A portable smart device measures the approximate distance to persons in the vicinity of the user, and notifies the user whenever he or she is too close to other persons. The portable smart device may overlay augmented reality graphics (such as arcs, lines, text, numbers, or other graphics) over images captured by the smart device's camera, to indicate safe distances. The graphics serve to inform and/or warn the user that he or she may be getting too close to other persons.

IPC Classes  ?

  • G08B 21/22 - Status alarms responsive to presence or absence of persons
  • G02B 27/01 - Head-up displays
  • G06T 19/00 - Manipulating 3D models or images for computer graphics
  • G06V 40/10 - Human or animal bodies, e.g. vehicle occupants or pedestriansBody parts, e.g. hands
  • H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

65.

Tic detection-based video authentication method and system

      
Application Number 17514458
Grant Number 12199964
Status In Force
Filing Date 2021-10-29
First Publication Date 2025-01-14
Grant Date 2025-01-14
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Tougas, Brian
  • Farmer, William Daniel
  • Lyle, Ruthie D.
  • Baker, Kelly Q.
  • Russell, Ryan Thomas
  • Martinez, Noe Alberto

Abstract

A user specific tic behavior detection-based method and system of performing an authentication of video of a person in order to authorize access to a secured resource. The user provides audio and/or video data in which they exhibit one or more tic behaviors. When a person later requests access to the user's account, the system and method are configured to capture a video and/or audio recording of the person requesting access. The data is evaluated to determine whether the previously detected tic behavior is present. If the tic behavior is present, the system determines the image or voice is authentic and can verify an identity of the person. In some cases, the system can further be configured to automatically grant the person access to one or more services, features, or information for which he or she is authorized.

IPC Classes  ?

  • H04L 9/40 - Network security protocols
  • G06V 40/16 - Human faces, e.g. facial parts, sketches or expressions
  • G06V 40/20 - Movements or behaviour, e.g. gesture recognition

66.

User identification system for occupants of a vehicle

      
Application Number 17956451
Grant Number 12190666
Status In Force
Filing Date 2022-09-29
First Publication Date 2025-01-07
Grant Date 2025-01-07
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Culbertson, William Preston
  • Hansen, Gregory David
  • Lopez, Mark Anthony
  • Maney, Will Kerns
  • Hayes, Keegan Patrick
  • Bernstein, Steven Michael

Abstract

A user identification system includes one or more processors configured to receive a first indication of a vehicle identity of a vehicle at an entrance of a location and retrieve a user profile associated with the vehicle identity from a user profile database. The user profile includes one or more user identities of one or more users authorized to enter the location. The one or more processors are configured to receive a second indication of a current user identity of a current user positioned in the vehicle, determine that the current user identity corresponds to a particular user identity of the one or more user identities, and output a control signal indicative of instructions to enable access to the location in response to the current user identity corresponding to the particular user identity.

IPC Classes  ?

  • G07C 9/22 - Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
  • E05F 15/73 - Power-operated mechanisms for wings with automatic actuation responsive to movement or presence of persons or objects
  • G06Q 40/08 - Insurance
  • G07C 9/10 - Movable barriers with registering means

67.

Audio token-based authentication method and system

      
Application Number 17199022
Grant Number 12189732
Status In Force
Filing Date 2021-03-11
First Publication Date 2025-01-07
Grant Date 2025-01-07
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Tougas, Brian
  • Farmer, William Daniel
  • Lyle, Ruthie D.
  • Baker, Kelly Q.
  • Russell, Ryan Thomas
  • Martinez, Noe Alberto

Abstract

A sound-based 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 transmit an audio signal to a remotely located smart device. When the smart device produces the audio signal, a nearby computing device captures the audio signal and provides the captured audio data to an authentication platform. The audio data is compared to the transmitted audio signal. The system can determine whether there is a match between the captured audio data and the transmitted audio data. If there is a match, the system verifies an identity of the person and can further be configured to automatically grant the person access to one or more services, features, or information for which he or she is authorized.

IPC Classes  ?

  • G06F 21/00 - Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G10L 17/06 - Decision making techniquesPattern matching strategies
  • H04N 7/15 - Conference systems

68.

Magnetic stripe card with skimmer detection mechanism

      
Application Number 17731771
Grant Number 12190187
Status In Force
Filing Date 2022-04-28
First Publication Date 2025-01-07
Grant Date 2025-01-07
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Bitter, Dustin Bowen
  • Cooper, Nina
  • Buentello, Andre Rene
  • Romero, Jr., Jose L.
  • Hansen, Gregory David

Abstract

Magnetic stripe cards including a skimmer detection mechanism detect unauthorized access to data and information stored on a magnetic strip of a magnetic stripe card by illicit card skimming devices. In one embodiment, a method of detecting an unauthorized scan of confidential data encoded on a magnetic strip portion of a magnetic stripe card having a skimmer detection mechanism includes detecting a scan of the magnetic strip portion, measuring a parameter associated with the scan of the magnetic strip portion by the skimmer detection mechanism, and comparing the measured parameter to a baseline value associated with the parameter. Upon determining that the parameter exceeds the baseline value, an unauthorized scan of confidential data encoded on the magnetic strip portion of the magnetic stripe card is detected.

IPC Classes  ?

  • G06F 21/00 - Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
  • G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
  • G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
  • G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory

69.

Systems and methods for maintaining vehicle health

      
Application Number 17900601
Grant Number 12190648
Status In Force
Filing Date 2022-08-31
First Publication Date 2025-01-07
Grant Date 2025-01-07
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Ricks, Brennen Michael
  • Mcadams, Kevin
  • Khmelev, Yevgeniy Viatcheslavovich

Abstract

A system includes a computing device comprising a processor and a memory. The processor is configured to receive: vehicle data associated with a vehicle associated with a user, where the vehicle data is indicative of characteristics of the vehicle, maintenance recommendation data indicative of vehicle maintenance recommendations for the vehicle, maintenance service data indicative of maintenance services performed on the vehicle, and activity data associated with operation of the vehicle. The processor may then identify a maintenance service to be performed on the vehicle based on the received data and send a notification to a user computing device with an indication of the maintenance service to be performed.

IPC Classes  ?

  • G07C 5/00 - Registering or indicating the working of vehicles
  • G07C 5/08 - Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time

70.

Self-charging unmanned vehicle

      
Application Number 17506641
Grant Number 12179917
Status In Force
Filing Date 2021-10-20
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor Scott, Kade

Abstract

Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may efficiently accomplish tasks by autonomously charging or replacing its power source.

IPC Classes  ?

  • B63B 35/00 - Vessels or similar floating structures specially adapted for specific purposes and not otherwise provided for
  • B64C 39/02 - Aircraft not otherwise provided for characterised by special use
  • G01C 21/00 - NavigationNavigational instruments not provided for in groups
  • B60L 8/00 - Electric propulsion with power supply from forces of nature, e.g. sun or wind
  • B64D 27/353 - Arrangements for on-board electric energy production, distribution, recovery or storage using solar cells
  • B64U 50/19 - Propulsion using electrically powered motors
  • B64U 50/34 - In-flight charging

71.

Systems and methods for controlling operation of autonomous vehicle systems

      
Application Number 18505685
Grant Number 12181872
Status In Force
Filing Date 2023-11-09
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Scott, Kade L.
  • Ethington, Benjamin D.
  • Graham, Richard Daniel
  • Flachsbart, Matthew T.

Abstract

A system may include one or more sensors configured to acquire data associated with a driver of a vehicle and a processor. The processor may receive the data and determine whether the data is within a baseline data associated with expected behavior of the driver. The processor may then control one or more operations of the vehicle in response to the data being outside the baseline data.

IPC Classes  ?

  • G05D 1/00 - Control of position, course, altitude or attitude of land, water, air or space vehicles, e.g. using automatic pilots
  • B60W 30/18 - Propelling the vehicle
  • B60W 50/14 - Means for informing the driver, warning the driver or prompting a driver intervention

72.

Autonomous vehicle haven seeking system and method

      
Application Number 18367368
Grant Number 12181885
Status In Force
Filing Date 2023-09-12
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Nagelberg, Alexander B.
  • Billman, Bradly Jay
  • Moncrief Brown, Donnette L.

Abstract

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.

IPC Classes  ?

  • G05D 1/00 - Control of position, course, altitude or attitude of land, water, air or space vehicles, e.g. using automatic pilots
  • G08G 1/0967 - Systems involving transmission of highway information, e.g. weather, speed limits
  • G08G 1/0968 - Systems involving transmission of navigation instructions to the vehicle
  • G08G 1/14 - Traffic control systems for road vehicles indicating individual free spaces in parking areas

73.

System and methods for rerouting private data from a first electronic device to a second electronic device

      
Application Number 17841013
Grant Number 12182304
Status In Force
Filing Date 2022-06-15
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Desai, Snehal
  • Huggar, Stacy Callaway
  • Martinez, Noe Alberto
  • Suniga-Cabrera, Kristina

Abstract

Systems and methods for privatized presentation of private data are provided. In certain embodiments, private data contained within received electronic data is identified. Based at least in part upon the identified private data, a determination is made as to whether privatized presentation of the private data should be performed. When the privatized presentation should be performed, a primary electronic device response including non-private data of the electronic data and an indication of a location of the private data in the electronic data is generated. The primary electronic device response is provided to a primary electronic device. The indication of the location of the private data is used to instruct the primary electronic device to refrain from presenting the private data. Instead, the private data is presented to a secondary electronic device tasked with presenting the private data in lieu of the primary electronic device.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules

74.

Systems and methods for selectively scrambling data

      
Application Number 18352951
Grant Number 12182310
Status In Force
Filing Date 2023-07-14
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Pena, Ric M.
  • Smith, Arthur Quentin
  • Tougas, Brian

Abstract

A technique for selectively scrambling data obtained by electronic sensor devices, such as cameras, voice communication devices, and the like, is provided. A payload of the data is scrambled when one or more characteristics of the data indicate that the data may include sensitive information. The scrambled data is transmitted to a target device.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • H04L 5/00 - Arrangements affording multiple use of the transmission path
  • H04L 67/53 - Network services using third party service providers

75.

Systems and methods for managing the configuration and execution of executable controls

      
Application Number 17828570
Grant Number 12182609
Status In Force
Filing Date 2022-05-31
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Phelps, David Anthony
  • Gracia, Marco Antonio
  • Mcleod, Ryan Thomas
  • Montemayor, Jacqueline Wendy

Abstract

Embodiments of the present disclosure include systems and methods for managing the configuration and execution of executable controls. In particular, a control execution management system may enable organizations to configure executable controls relating to certain internal and/or external processes, and for configuration and execution data for the executable controls to be maintained by the organizations, for example, in a distributed ledger (e.g., a blockchain network). Continuously monitoring configuration and execution data of the executable controls may enable an organization to always have updated information relating to the executable controls and how they impact their associated internal and/or external processes, thereby enabling the organization to, for example, provide such information to regulatory agencies, relevant stakeholders, and so forth.

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
  • G06F 9/46 - Multiprogramming arrangements
  • H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols

76.

Systems and methods for online payment transactions

      
Application Number 17704836
Grant Number 12182777
Status In Force
Filing Date 2022-03-25
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Hawes, Brian C.
  • Haslam, Justin D.
  • Williams, Christian A.

Abstract

Disclosed herein are systems and methods for generating a shared budget for an account associated with a first user and a second user, wherein the first user is associated with a first client device and the second user is associated with a second client device. A notification may be transmitted to the second client device based on an attempted purchase via the first client device. The notification may be displayed in a graphical user interface (GUI) of the second client device, and may include information related to the attempted purchase, such as the cost of one or more items, total value of the shared budget, remaining value in the shared budget, and so on. The second user may approve or decline the purchase request.

IPC Classes  ?

  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
  • G06F 16/9535 - Search customisation based on user profiles and personalisation
  • G06F 16/955 - Retrieval from the web using information identifiers, e.g. uniform resource locators [URL]
  • G06Q 20/08 - Payment architectures
  • G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons

77.

Dynamic code payment card verification with cross-channel authentication

      
Application Number 18169078
Grant Number 12182812
Status In Force
Filing Date 2023-02-14
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor Adam, Patrick

Abstract

Embodiments described herein disclose methods and systems for authorizing a payment card transaction using a dynamic code accessed from a first device and a presence of a second device. The dynamic code can be accessed on a first device when the second device is within a proximity of the first device (e.g., electronically paired using a short-range communication protocol, on the same local area network). The system can receive a request for authorization of a transaction using the payment card and can include a verification code associated with the payment card and an identifier of the payment card, and the payment card can have the associated dynamic code. The verification code can be compared with a value of the dynamic code at the time of the transaction. In response to the verification code matching the dynamic code at the time of the transaction, the system can authorize the transaction.

IPC Classes  ?

  • G06Q 30/00 - Commerce
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/38 - Payment protocolsDetails thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

78.

Method and system for improving security of financial transactions

      
Application Number 17651120
Grant Number 12182821
Status In Force
Filing Date 2022-02-15
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Juarez, Maximiliano C.
  • Oncale, Iii, Paul Joseph

Abstract

A system and method for improving the security of financial transactions is disclosed. The system and method include an account management tool where customers (or account holders) can manage financial control settings, which include controls to set limits on the frequency of financial transactions and/or maximum transaction amounts. Based on these user-selected control settings, a financial account provider can deny transactions that exceed limits determined from the financial control settings. The system and method include a setting for geographic location, so that a user may build a customized list of geographic regions where transactions are allowed or prohibited. The system and method also include a setting for companies or merchants, so that a user may build a customized list of companies or merchants where transactions are allowed or prohibited.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

79.

Order fulfillment management system and method

      
Application Number 17485759
Grant Number 12182846
Status In Force
Filing Date 2021-09-27
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Khmelev, Yevgeniy Viatcheslavovich
  • Lake, Zachery C.
  • Maney, Will Kerns

Abstract

An order fulfillment management system includes processing circuitry configured to receive merchant data indicative of a capability of a merchant to fulfill orders for a good. The processing circuitry is also configured to provide an output to a first consumer in response to the first consumer attempting to complete a purchase of the good from the merchant while the merchant data indicates that the merchant is unable to fulfill the orders for the good within a timeframe. The output includes a notification on a graphical user interface for visualization by the first consumer, and the notification is configured to discourage the first consumer from purchasing the good from the merchant by recommending an alternative action to the first consumer.

IPC Classes  ?

  • G06Q 30/0601 - Electronic shopping [e-shopping]
  • G06Q 10/087 - Inventory or stock management, e.g. order filling, procurement or balancing against orders
  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
  • G06Q 30/0207 - Discounts or incentives, e.g. coupons or rebates
  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance

80.

Remote access system for safety deposit boxes

      
Application Number 18082649
Grant Number 12183141
Status In Force
Filing Date 2022-12-16
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Maciolek, Michael J.
  • Lawrence, Carol Lyn
  • Meyer, Gregory Brian

Abstract

A safety deposit box facility that allows for 24/7 remote access by authorized personnel to their safety deposit boxes via an on-site robot. The facility includes safety deposit boxes that can be opened along one side by the robot, and on the other side by the authorized person. In some embodiments, the authorized person may request a remote access event in which they can view the contents of their safety deposit box via a camera associated with the robot, and/or request a secure delivery of one or more items disposed in their safety deposit box.

IPC Classes  ?

81.

Systems and methods to utilize edge computing to respond to latency in connected vehicles

      
Application Number 18352779
Grant Number 12184561
Status In Force
Filing Date 2023-07-14
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Mitchem, Sean C
  • Philbrick, Ashley R
  • Khmelev, Yevgeniy V
  • Jackson, Justin M
  • Lyle, Ruthie
  • Durairaj, Ravi

Abstract

Systems and methods for responding to latency in connected vehicles. Vehicles operating on or near the edge of networks are identified. Vehicle dependent nodes are identified. Latency is calculated between the vehicle and the dependent nodes. The latency is compared to one or more threshold values and a response is determined and/or executed.

IPC Classes  ?

  • H04L 47/70 - Admission controlResource allocation
  • H04L 67/12 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
  • H04L 67/289 - Intermediate processing functionally located close to the data consumer application, e.g. in same machine, in same home or in same sub-network
  • H04W 4/40 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P]
  • H04W 24/10 - Scheduling measurement reports
  • H04W 64/00 - Locating users or terminals for network management purposes, e.g. mobility management
  • G08G 9/02 - Anti-collision systems

82.

Secure computer-implemented authentication

      
Application Number 17502856
Grant Number 12184641
Status In Force
Filing Date 2021-10-15
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Jones, Darrius
  • Camacho, Gualberto
  • Vo, Hoang Trung
  • Wu, Huihui
  • Valles, Alejandra

Abstract

An exemplary method comprises generating receiving an authentication request from a graphical user interface on a first computing device; generating a first encrypted media element; displaying the encrypted media element on the GUI; receiving a second encrypted media element from a second computing device; upon determining that the first and second encrypted media elements have a positive match, querying an identification value associated with the second computing device; receiving the identification value associated with the second computing device; upon the identification value matching a data record within a database, determining an account associated with the data record within the database; and authenticating the first computing device by granting the first computing device access to the account associated with the second computing device.

IPC Classes  ?

  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • G06F 16/955 - Retrieval from the web using information identifiers, e.g. uniform resource locators [URL]
  • G06K 7/14 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
  • H04L 9/40 - Network security protocols

83.

Predictive mapping for routing telephone calls

      
Application Number 18356950
Grant Number 12184815
Status In Force
Filing Date 2023-07-21
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Williams, Kristopher
  • Medina, Iii, Reynaldo
  • Lopez, Mark Anthony
  • Daali, Amy

Abstract

Predictive mapping technology is used to route a telephone call from a user to a customer service representative. The disclosed technology can use any one or more of the following factors to map a telephone call from a user to a customer service representative: (1) a sentiment score based on a topic of conversation; (2) an experience score of the customer service representative with a topic of conversation; and (3) a performance score of the customer service representative in managing a topic of conversation.

IPC Classes  ?

  • H04M 3/523 - Centralised call answering arrangements requiring operator intervention with call distribution or queuing
  • H04M 3/42 - Systems providing special services or facilities to subscribers
  • H04M 3/51 - Centralised call answering arrangements requiring operator intervention

84.

Model-based communication routing system and method

      
Application Number 18381058
Grant Number 12184816
Status In Force
Filing Date 2023-10-17
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Madsen, Merrill Lamar
  • Guidry, Allen James

Abstract

A method includes receiving, at one or more processors, data indicative of a customer communication, inputting, via the one or more processors, the data to a first communication routing model corresponding to a first product or service goal associated with one or more product or service types, and determining, via the one or more processors and based on the first communication routing model, a first score corresponding to a first likelihood that the customer communication will satisfy the first product or service goal. The method also includes inputting, via the one or more processors, the data to a second communication routing model different than the first communication routing model and corresponding to a second product or service goal associated with the one or more product or service types, and determining, via the one or more processors and based on the second communication routing model, a second score corresponding to a second likelihood that the customer communication will satisfy the second product or service goal. The method also includes routing, via the one or more processors, the customer communication to a member service representative group based on a comparison of the first score with the second score or a first weighted score derived from the first score with a second weighted score derived from the second score.

IPC Classes  ?

  • H04M 3/00 - Automatic or semi-automatic exchanges
  • H04M 3/42 - Systems providing special services or facilities to subscribers
  • H04M 3/523 - Centralised call answering arrangements requiring operator intervention with call distribution or queuing
  • G06N 20/00 - Machine learning

85.

Data analysis, filter and presentation techniques for call management systems

      
Application Number 18446863
Grant Number 12184817
Status In Force
Filing Date 2023-08-09
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Hansen, Gregory David
  • Jennings, Megan Sarah
  • Gray, Emily Margaret
  • Yarbrough, Gregory B.
  • Balasingh, Charles
  • Dziuk, Janelle Denice
  • Mehra, Samip Dilip
  • Dixon, David Patrick

Abstract

Data analysis, filter, and presentation techniques are described for an example call management system. An example method for a data management system includes receiving, from a user device, an account identifier of a first person, receiving, from the user device, a first message related to a topic of conversation to be discussed during a telephone call with the first person, determining, based on the account identifier and within a pre-determined time period, a presence of a set of data that describes conversation(s) from prior telephone call(s)/chat(s) with the first person, and sending, to a computer, at least some data from the set of data and a second message that indicates that the telephone call is mapped to a second person, where the computer is configured to display on a screen the second message and a presentation option that presents the at least some data via the computer.

IPC Classes  ?

  • H04M 3/436 - Arrangements for screening incoming calls
  • G06F 3/16 - Sound inputSound output
  • G06F 16/2458 - Special types of queries, e.g. statistical queries, fuzzy queries or distributed queries
  • G06F 40/30 - Semantic analysis
  • G10L 15/18 - Speech classification or search using natural language modelling
  • G10L 15/22 - Procedures used during a speech recognition process, e.g. man-machine dialog
  • H04L 51/046 - Interoperability with other network applications or services
  • H04L 51/216 - Handling conversation history, e.g. grouping of messages in sessions or threads
  • H04M 3/42 - Systems providing special services or facilities to subscribers
  • H04M 3/51 - Centralised call answering arrangements requiring operator intervention
  • H04M 3/523 - Centralised call answering arrangements requiring operator intervention with call distribution or queuing

86.

Autonomous vehicle entity vector-based situational awareness scoring matrix

      
Application Number 17482969
Grant Number 12179752
Status In Force
Filing Date 2021-09-23
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor Wallner, Richard John

Abstract

The present invention provides a vector based awareness matrix or system for mimicking a human driver situational awareness and to control a host autonomous vehicle accordingly.

IPC Classes  ?

  • B60W 30/095 - Predicting travel path or likelihood of collision
  • B60W 40/09 - Driving style or behaviour
  • B60W 50/10 - Interpretation of driver requests or demands
  • G05D 1/00 - Control of position, course, altitude or attitude of land, water, air or space vehicles, e.g. using automatic pilots
  • G08G 1/16 - Anti-collision systems

87.

Autonomous vehicle taxi/delivery service

      
Application Number 17817712
Grant Number 12181293
Status In Force
Filing Date 2022-08-05
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Kelly, Patrick Brian
  • Lewis, Olvin Brett

Abstract

The present invention provides a system, method, and software for operating a taxi and delivery service using a fleet of autonomously driven vehicles amassed from a plurality of unassociated individuals and providing a graphical user interface for interested parties to register their vehicles for use and for customers to schedule services.

IPC Classes  ?

  • G01C 21/34 - Route searchingRoute guidance
  • G05D 1/00 - Control of position, course, altitude or attitude of land, water, air or space vehicles, e.g. using automatic pilots
  • G06Q 10/02 - Reservations, e.g. for tickets, services or events
  • G06Q 50/40 - Business processes related to the transportation industry
  • G08G 1/127 - Traffic control systems for road vehicles indicating the position of vehicles, e.g. scheduled vehicles to a central station

88.

Systems and methods to enable machines by forming parasitic relationship

      
Application Number 17827536
Grant Number 12181874
Status In Force
Filing Date 2022-05-27
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Jones, Jr., David M.
  • Jennings, Megan S.
  • Billman, Bradly J.
  • Jonak, Sumita T.
  • Badugu, Priyadarshini
  • Nash, Justin R.

Abstract

Autonomous vehicles may be terrestrial, aerial, nautical, or multi-mode and may be used to enable communications of other devices. For example, an autonomous vehicle may analyze information about a device outage and based on the information direct an autonomous vehicle to a location of the device to address the outage by adding a capability to the device.

IPC Classes  ?

  • G05D 1/00 - Control of position, course, altitude or attitude of land, water, air or space vehicles, e.g. using automatic pilots
  • G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
  • H04W 4/40 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P]

89.

Controlling vehicle systems based on verified signals

      
Application Number 18372515
Grant Number 12181891
Status In Force
Filing Date 2023-09-25
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Chavez, Carlos J P
  • De'Angeli, Sacha Melquiades
  • Jones, Jr., David M.
  • Meyer, Gregory Brian
  • Russell, Christopher
  • Smith, Arthur Quentin

Abstract

A system may include a first vehicle and a first control system that may control one or more vehicle operations of the first vehicle. The first control system may perform operations including receiving a first vehicle operation signal from a second control system associated with a second vehicle, sending one or more requests to one or more computing systems for a confirmation of the first vehicle operation signal, and determining a set of vehicle instructions to control the one or more vehicle operations based on whether one or more responses from the one or more computing systems provide the confirmation. The first control system may then control the first vehicle based on the set of vehicle instructions.

IPC Classes  ?

  • G05D 1/02 - Control of position or course in two dimensions
  • G05D 1/00 - Control of position, course, altitude or attitude of land, water, air or space vehicles, e.g. using automatic pilots
  • G08G 1/00 - Traffic control systems for road vehicles
  • G08G 1/01 - Detecting movement of traffic to be counted or controlled
  • G08G 1/04 - Detecting movement of traffic to be counted or controlled using optical or ultrasonic detectors
  • G08G 1/052 - Detecting movement of traffic to be counted or controlled with provision for determining speed or overspeed

90.

Unmanned vehicle security guard

      
Application Number 18495024
Grant Number 12181895
Status In Force
Filing Date 2023-10-26
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (USA)
Inventor
  • Graham, Richard Daniel
  • Scott, Kade
  • Flachsbart, Matthew

Abstract

Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of a threat. For example, an unmanned vehicle may analyze information about the property and based on the information deter theft of items on the property.

IPC Classes  ?

  • G05D 1/00 - Control of position, course, altitude or attitude of land, water, air or space vehicles, e.g. using automatic pilots
  • B64C 39/02 - Aircraft not otherwise provided for characterised by special use
  • B64D 5/00 - Aircraft transported by aircraft, e.g. for release or reberthing during flight
  • B64D 47/08 - Arrangements of cameras
  • B64U 101/00 - UAVs specially adapted for particular uses or applications

91.

Distributed ledger regulatory auditing system and method

      
Application Number 17978148
Grant Number 12182077
Status In Force
Filing Date 2022-10-31
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor Fisher, Jon

Abstract

Techniques are described for creating and tracking audit trails, including regulatory compliance trails, using a distributed ledger. The techniques include determining, via the first processor, if data is to be provided for use in an audit, and if the data is to be provided then executing an audit trail routing system to route the data into at least one audit trail. The techniques further include storing, via the first processor, the data of the at least one audit trail in a least one block of digital distributed ledger system, and distributing, via the first processor, the at least one block among nodes of the digital distributed ledger system, wherein the digital distributed ledger system is configured to immutably store the data of the at least one audit trail.

IPC Classes  ?

  • G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
  • G06F 16/182 - Distributed file systems
  • G06Q 50/26 - Government or public services
  • H04L 9/06 - Arrangements for secret or secure communicationsNetwork security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems

92.

Smart documentation systems and methods

      
Application Number 18500984
Grant Number 12182152
Status In Force
Filing Date 2023-11-02
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Coffin, Timothy Luke
  • Hoch, Ronald Maurice John

Abstract

Methods and systems described herein can provide a computing device configured to display on a display screen of the computing device a first window listing a set of entries and a second window that can add entries directly into the set of entries and that can search for entries having selected features. The second window can dynamically display one or more keywords related to an entry as the entry is being created. The keywords can be determined as the entry is created and can be associated with the entry as the entry is added to the set of entries. The second window can receive a search request with the keywords and in response, cause the entries associated with the keywords to be displayed in the first window.

IPC Classes  ?

  • G06F 16/25 - Integrating or interfacing systems involving database management systems
  • G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
  • G06F 3/0483 - Interaction with page-structured environments, e.g. book metaphor
  • G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
  • G06F 16/248 - Presentation of query results

93.

Systems and methods for online identity management

      
Application Number 18369596
Grant Number 12182223
Status In Force
Filing Date 2023-09-18
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Raley, Christopher
  • Russell, Ryan

Abstract

Disclosed systems and methods allow a user to input digital content along with identification of one or more social media websites on which the user desires to publish the digital content. The systems and methods then query the identified social media webservers and retrieve a first set of publishing rules. When the digital content satisfies the first set of rules, the systems and methods query a database to retrieve a second set of rules comprising user restrictions specific to the identified social media websites. When the digital content does not satisfy at least one rule within the second set of rules, the systems and methods render a prompt on the user device to receive modified digital content. Subsequently, the systems and methods instruct the one or more social media websites to publish the modified digital content.

IPC Classes  ?

  • G06F 15/173 - Interprocessor communication using an interconnection network, e.g. matrix, shuffle, pyramid, star or snowflake
  • G06F 16/9535 - Search customisation based on user profiles and personalisation
  • G06F 16/958 - Organisation or management of web site content, e.g. publishing, maintaining pages or automatic linking
  • H04L 9/40 - Network security protocols
  • H04L 67/306 - User profiles
  • G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range

94.

Graphical event-based password system

      
Application Number 18195782
Grant Number 12182249
Status In Force
Filing Date 2023-05-10
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (“USAA”) (USA)
Inventor Meyer, Gregory Brian

Abstract

A computer system and method having a user interface including a touch-sensitive display screen. The system and method enables entry of a password which includes displaying a first array of a plurality of images on the touch-sensitive display prompting a user to select with a finger one of the plurality of images displayed. Subsequently at least another array of a plurality of images successive to the first array is displayed on the touch sensitive display prompting a user to select with a finger one of the plurality of images displayed in the another array of images. A computer processor then determines if a user selected a predetermined image from the first array of the plurality of images and a predetermined image from each at least another array of plurality of images displayed after the first array. If determined, the user is permitted access to an application executable on the computer system.

IPC Classes  ?

  • G06F 21/36 - User authentication by graphic or iconic representation
  • G06F 3/04842 - Selection of displayed objects or displayed text elements
  • G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06V 40/12 - Fingerprints or palmprints

95.

Authentication systems and methods for interconnected devices

      
Application Number 17401991
Grant Number 12182283
Status In Force
Filing Date 2021-08-13
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Dortch, Celena
  • Buckingham, Thomas Bret
  • Contreras, Diego
  • Farmer, William Daniel
  • Leroy, Eric
  • Prasad, Bharat
  • Schwarz, Jr., Thomas Wayne
  • Zhao, Qian

Abstract

An authentication system includes processing circuitry that is configured to receive an indication of a number of interconnected devices that are in communication with a user device, compare the number of interconnected devices that are in communication with the user device to a threshold, and grant access to an application on the user device in response to the number of interconnected devices meeting or exceeding the threshold.

IPC Classes  ?

  • G06F 21/34 - User authentication involving the use of external additional devices, e.g. dongles or smart cards
  • G06F 21/31 - User authentication
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
  • G16Y 30/10 - Security thereof
  • G05B 15/02 - Systems controlled by a computer electric
  • G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices

96.

Dynamic tagging of media for service sessions

      
Application Number 17002345
Grant Number 12182299
Status In Force
Filing Date 2020-08-25
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Jayapalan, Vijay
  • Yarbrough, Gregory
  • Smith, Eric J.

Abstract

Techniques are described for real time monitoring and tagging of media content generated during a service session between an individual and a service representative (SR). Media content received during a service session may be dynamically tagged with one or more metadata tags during the service session, the tag(s) indicating portion(s) of the media content that potentially include sensitive information. Tagging may be based on a SR's gestures, clicks, keystrokes, mouse-overs, and/or other actions performed in a SR user interface (UI) during the service session. The media content may be redacted based on the tags to remove and/or obfuscate potentially sensitive information.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database systemDistributed database system architectures therefor
  • G06F 16/48 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually
  • G06F 16/487 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually using geographical or spatial information, e.g. location
  • G06F 16/58 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually
  • G06K 19/00 - Record carriers for use with machines and with at least a part designed to carry digital markings
  • G06F 16/23 - Updating

97.

Systems and methods for detecting and censoring private content presented on computing devices

      
Application Number 17586985
Grant Number 12182302
Status In Force
Filing Date 2022-01-28
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Haslam, Justin Dax
  • Romero, Jr., Jose L.
  • Smith, Arthur Quentin

Abstract

A technique for selectively censoring sensitive information for presentation on a display of a computing device is disclosed. In some embodiments, the disclosed techniques may transmit the sensitive information after receiving an indication that the sensitive information is permitted to be displayed. In some embodiments, the sensitive information may be transmitted to an external device for viewing or listening by an authorized user.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • H04W 12/02 - Protecting privacy or anonymity, e.g. protecting personally identifiable information [PII]
  • H04W 12/33 - Security of mobile devicesSecurity of mobile applications using wearable devices, e.g. using a smartwatch or smart-glasses

98.

System and method for microlocation-based with tokenized virtual dynamic software applications (app) experiences

      
Application Number 17805892
Grant Number 12182586
Status In Force
Filing Date 2022-06-08
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Hansen, Gregory David
  • Alonzo, Iii, Edward Manuel
  • Amann, Manfred
  • Moncrief Brown, Donnette L.
  • Haslam, Justin Dax
  • Philbrick, Ashley Raine
  • Guerra, Oscar
  • Buentello, Andre Rene

Abstract

A method and system of providing users with microlocation-specific configuration modes during access of an application. The system identifies tokens based on sensor data during each application access session and triggers the change in configuration based on detection of specific tokens associated with a particular microlocation. The various configuration modes can be used to alter audio, display, and other settings for the application.

IPC Classes  ?

  • G06F 3/00 - Input arrangements for transferring data to be processed into a form capable of being handled by the computerOutput arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
  • G06F 3/16 - Sound inputSound output
  • G06F 9/4401 - Bootstrapping
  • G06F 21/84 - Protecting input, output or interconnection devices output devices, e.g. displays or monitors
  • G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities

99.

Systems and methods for remote deposit of currency

      
Application Number 17484442
Grant Number 12182781
Status In Force
Filing Date 2021-09-24
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor Everett, Ryan T.

Abstract

Illustrated herein are systems and methods of transferring physical currency into electronic credit that becomes electronically available. One method includes remotely and quickly depositing non-negotiable instruments, such as cash, by communicating information, such as an image of the currency, about the instrument to a depositor. An exemplary system includes computing devices and a capture module with a retrieval engine, a transmission engine, an inspection engine, and a conferral engine. The capture module receives information about a non-negotiable instrument, and an inspection engine analyzes the information to confirm if the unit of currency is authentic.

IPC Classes  ?

  • G06Q 20/00 - Payment architectures, schemes or protocols
  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

100.

Cash deposit at point of sale using deposit product inventory item systems and methods

      
Application Number 18355257
Grant Number 12182788
Status In Force
Filing Date 2023-07-19
First Publication Date 2024-12-31
Grant Date 2024-12-31
Owner United Services Automobile Association (USAA) (USA)
Inventor
  • Vijayvergia, Gunjan
  • Prasad, Bharat

Abstract

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.

IPC Classes  ?

  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
  • G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
  • G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
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