United Services Automobile Association (usaa)

John C Hopkins

Arthur Quentin Smith

Bradly Jay Billman

Reynaldo Medina, Iii

David Patrick Dixon

Teddy J Voutour

William J Cunningham

Gopinath Rangan

Bharat Prasad

Hudson Reid Jameson

Erasmo Sanchez, Jr

Vehicle inspection systems and methods are disclosed. A system disclosed includes a frame configured to be mounted to a vehicle, wherein the frame comprises an extendable arm. The system also includes at least one camera for taking imagery of a damaged vehicle at an accident scene in support of a damage assessment, wherein the at least one camera is coupled with the extendable arm. The system also includes at least one damage filter associated with the at least one camera. The damage filter creates filtered imagery based on the imagery of the damaged vehicle.

Vehicle inspection systems and methods

Techniques are described for managing a transaction, such as a purchase of a vehicle or other product, using one or more blockchains. The completion of a transaction may be facilitated by providing an information portal, such as one or more application user interfaces, to enable the buyer, seller, or other parties to readily access blockchain-stored information that is relevant to the transaction. In some examples, where the product to be purchased is a vehicle (e.g., car, truck, motorcycle, boat, etc.), the blockchain-stored information may include information regarding the loan, title, insurance, driver's license or other identification verification, vehicle ownership history, inspection history, repair history, lien information, and so forth. The portal also enables a point of contact to be maintained between the buyer and a lender during the process of purchasing the product.

Blockchain based transaction management

Techniques are described for managing transactions requested by a user, such management based on sensor data that is generated by sensor device(s) in proximity to the user. Biometric and/or other types of data may be generated using sensors that are included in a user device, worn by a user, and/or otherwise in proximity to the user. The data may be analyzed to determine a current physical, emotional, and/or intellectual state of the user, such as whether the user is intoxicated, exhausted, angry, depressed, under duress, experiencing dementia, and so forth. If a transaction is detected that conflicts with a previously specified constraint, such as a budget or spending rule of the user, and if the user is currently in an impaired state, action(s) may be taken to manage the transaction. Such action(s) may include blocking the transaction, delaying the transaction, and/or notifying another party to assist the user.

Transaction management based on sensor data

Aspects herein relate to storing information concerning rights and liabilities or other records on distributed ledgers. A method disclosed can include identifying a transferor blockchain associated with rights and liabilities for transfer from a transferor to an acquirer, identifying an acquirer blockchain associated with the acquirer, creating an interim blockchain including the rights and liabilities, generating entries to the transferor blockchain removing the rights and liabilities, and generating entries to the acquirer blockchain adding the rights and liabilities. Another method disclosed can include identifying a critical record of a party, identifying a blockchain associated with the party, and generating an entry on the blockchain associated with the critical record, the entry having permissions related to at least the party.

Systems and methods to track, store, and manage events, rights, and liabilities

Vehicle inspection systems and methods are disclosed. A system disclosed includes a drone vehicle configured to fly in a vicinity of the damaged vehicle at an accident scene. The drone includes at least one camera for taking imagery of the damaged vehicle at an accident scene in support of a damage assessment and a frame coupling the drone vehicle and the at least one camera. A computing device is in communication with the at least one camera to receive the imagery from the at least one camera for purposes of damage assessment.

A system, method, and computer-usable medium are disclosed for managing financial transactions by controlling the purchase of allowed and disallowed purchase items. A transaction control card is used to purchase a purchase item. Account information related to the transaction control card and purchase item data related to the purchase item is then processed to determine whether the purchase item is disallowed for purchase by any single, or combination of, disallowed purchase item data parameters.

Advanced systems and methods for geographical card

Embodiments disclosed herein may include a system including a server configured to receive from the mobile device the digital image capturing the object, execute an object recognition protocol to identify one or more image features of the digital image, determine an identification of the object based upon the one or more features of the digital image identified by the executed object recognition protocol, generate an object profile of the object based upon one or more data records of the object stored in the system databases where each respective record containing at least one data point corresponding to a valuation of the respective object, determine a value of the data point based upon the valuation of the respective object and a characteristic of a member, and transmit to the mobile device the object profile for the object captured in the digital image.

Systems and methods for implementing machine vision and optical recognition

Disclosed are vehicle inspection systems and methods, and more particularly, systems and methods for appraising the damage caused to a vehicle during an accident and in certain embodiments for dispositioning the vehicle from the accident scene. The disclosed appraisal systems can include one or more cameras, scanner and sensors and a computing device. The cameras can be mounted to a recovery vehicle, for example, for taking imagery of the damaged vehicle at an accident scene. The computing device receives the imagery from each camera and/or sensors/scanners and communicates the data and imagery to a remote server for use in a damage assessment. An evaluation is performed using the transmitted data and a determination is made as to whether sufficient information has been provided in order to allow an agent of the insurer and/or a data analysis module to make a damage assessment and provide a routing instruction for dispositioning the vehicle from the accident scene and, if appropriate, for automatically arranging a rental car service for the driver or owner of the damaged vehicle based on factors such as vehicle and coverage data.

A graphical representation is provided that displays a user's insurance coverage via the graphical representation, the user may request information about various aspects of the coverage and/or may request to chat or speak with a representative that specializes in a particular coverage area. The graphical representation may show how the user's insurance coverage compares to population groups and medians. A user may adjust the coverage on the graphical representation and be provided with a revised premium amount. The user may select this coverage to be implemented and the user's policy may be appropriately revised.

Coverage at a glance

A system, method, and computer-usable medium are disclosed for improved processing of calls within an interactive voice response (IVR) system. An inbound call comprising a call origination identifier is received by a call processing module, which uses the call origination identifier to retrieve call record and call processing information associated with a prior call session. The call record and call processing information is processed to determine the state of the prior call session and its point of termination when it was terminated. If the point of termination was associated with a human operator, then the call processing module determines whether the same human operator is available. If not, the user is provided a choice of call session options including being placed in a hold queue until the same or another human operator is available, requesting a return call from a human operator, or selecting another call session process.

Systems and methods for reestablishing terminated telephone calls with an interactive voice response (IVR) system

Systems and methods for queuing incoming call within interactive voice response(IVR) system

A method for modeling insurance coverage includes providing a processor, providing a memory coupled to the processor and including data related to a plurality of claims, and quoting, using the processor, a first insurance policy having coverage limits. The method also includes displaying within a user interface, a first plurality of claim scenario parameters for the first insurance policy, displaying a disparity between the coverage limits of the first insurance policy and the first plurality of claim scenario parameters, and quoting, using the processor, a second insurance policy. The method further includes displaying, within the user interface, a second plurality of claim scenario parameters for the second insurance policy and displaying a disparity between the coverage limits of the second insurance policy and the second plurality of claim scenario parameters.

Growing community of inventors

San Antonio, TX, United States of America

John C Hopkins