United Services Automobile Association (usaa)

United Services

Jon Daniel McEachron

David M Jones, Jr

Ryan Thomas Russell

Bryan J Osterkamp

Kelly Q Baker

Robert Andrew Massie

Ruthie D Lyle

Cleburne Robinson Burgess

Shanna Ruth Limas

Ravi Durairaj

Oscar Guerra

Charise Renee Whitaker

Brennen Michael Ricks

Salvador J Rodriguez

Michelle Susan Croak

Jason Algernon Webster

Jo Anne Yau

Jeff Calusinski

Vidya Nagarajan

Sharonda Phillips

Stephen Joseph Contreras

Kimberly Wiessner

Reynaldo Medina, Iii

Ashley Raine Philbrick

Andre Rene Buentello

Yevgeniy Viatcheslavovich Khmelev

Jose L Romero, Jr

Gregory David Hansen

Janelle Denice Dziuk

Stacy Callaway Huggar

Victor Kwak

Gregory B Yarbrough

Curtis Mark Bell

William H Wright, Ii

Authentication methods and systems using RFID-enabled payment cards are disclosed herein where a server receives a request corresponding to authorization of a payment associated with a payment card from an electronic terminal. The server identifies an electronic device of a user associated with the payment card. The server then transmits an instruction to the electronic device to cause an RFID reader of the electronic device to determine whether an RFID tag corresponding to the payment card is located within a predetermined proximity to the electronic device. When the payment card is located within the predetermined proximity, the server executes a first authentication protocol. Moreover, when the payment card is not located within the predetermined proximity, the server executes a second authentication protocol, wherein the second authentication protocol is more restrictive than the first authentication protocol.

RFID-enabled payment authentication

Authentication method and systems using RFID-enabled payment cards are disclosed herein where a server receives a request corresponding to authorization of a payment associated with a payment card from an electronic terminal. The server identifies an electronic device of a user associated with the payment card. The server then transmits an instruction to the electronic device to cause an RFID reader of the electronic device to determine whether an RFID tag corresponding to the payment card is located within a predetermined proximity to the electronic device. When the payment card is located within the predetermined proximity, the server executes a first authentication protocol. Moreover, when the payment card is not located within the predetermined proximity, the server executes a second authentication protocol, wherein the second authentication protocol is more restrictive than the first authentication protocol.

The described systems and methods provide a user's mobile device with a graphical user interface that can provide information about the lowest price offered for one or more products. For instance, when a person at a physical retail store places one or more products in a physical shopping cart, a scanning device may scan the one or more products to obtain information about the one or more products, the scanned information is sent to a server that provides pricing and store location information to a mobile device based on the scanned information, the pricing and store location information can be analyzed by the mobile device to display the lowest price and store location for each product.

Systems and methods to analyze product pricing

The present disclosure relates to a mobile computing device that is configured to secure a purchase transaction between a customer and merchant, and facilitate self-checkout between the user and any of several merchants. The system provides a payment processing network that achieves secure transactions free from fraud, while also having low fees. The system is based on establishing a relationship between a merchant's bank and a customer's bank, prior to a purchase transaction by the customer. The customer may then authorize their own bank to push funds to the merchant's bank in order to purchase goods or services using their smartphone, without the need to share any financial information between the user and merchant themselves. The smartphone is further configured to draw from multiple merchant product databases so that the customer may self-checkout, without the need to use a merchant-specific app, all within one app-linked system for payment and shopping.

Smartphone application for securing purchase transactions between a customer and a merchant with self-checkout

Systems and methods ingest extensive data regarding real-time transactions to determine correlation between a variety of parameters and possible fraud events. Possible fraud can be predicted, and notifications delivered to a fraud team. Correlations can be discovered using unsupervised machine learning, and particular systems and methods can utilize natural language processing to both receive and provide information concerning fraud risk and countermeasures.

Fraud detection using augmented analytics

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.

Systems and methods for location based authentication

Methods and systems are disclosed for processing insurance claims in a manner that reduces or eliminates a need for an adjuster visit an insured person or property of the insured person. The method includes receiving a query from an insured regarding a claim and determining if the insured has a mobile device with a video camera capable of streaming video to the insurance claim processing system. If a mobile device capable of streaming video is available, the system generates an electronic invitation to a one-way streaming video session and transmits the electronic invitation to the mobile device. Upon acceptance, the system initiates the one-way video session, receives real-time streaming video, and appends received video from the real-time streaming video to a claim workfile. In alternative implementations, the system can remotely control the camera and other features of the mobile device during the one-way streaming video session.

Insurance claim processing via streaming video

Methods and systems are disclosed a digital investigation tool capable of recovering and decrypting content. The tool combines digital techniques with decryption capability for a wide range of encryption algorithms. In one implementation, the tool identifies the type and/or vendor of the encryption algorithm used to protect the content. The tool then automatically obtains the decryption information needed to decrypt the content. Depending on the encryption algorithm used, the information may include a master key, user-specific keys, user IDs, passwords, and the like. The decryption information may be accumulated in a local or remote storage location accessible by the tool, or it may be acquired in real time on an as-needed basis from a third-party encryption vendor, a key server, and the like. Such an arrangement allows law enforcement agencies as well as corporate security personnel to quickly recover and decrypt content stored on a computer system.

Forensic investigation tool

The present disclosure relates generally to a method of operating a customer interface device (CID). The method includes: receiving a request from a customer to access a secure portion of an online system; establishing an encrypted channel to an authentication system of the online system. The method also includes: outputting a prompt to the customer to provide a spoken passphrase of the customer; capturing the spoken passphrase of the customer to generate a recording; and providing, via the encrypted channel, credentials of the customer to an authentication system of the online system, wherein the credentials include the recording. The method further includes; receiving, via the encrypted channel, an indication of approval of the credentials of the customer from the authentication system; and establishing, via the encrypted channel, a secure mode pass-through connection to the secure portion of the online system.

System and method for securely accessing online systems

Growing community of inventors

Boerne, TX, United States of America

Jon Daniel McEachron