United Services Automobile Association (usaa)

Matthew David Nolte

Shiloh Huff

William Michael Webb

Shane J London

Jeffrey Rogers

Andrea G Fallucca

Laura Elizabeth Ard

Bryan J Osterkamp

Emily Kathleen Krebs

Michelle Leib

Marcus Lee Willard

Raquel Alexis Low

Techniques are described for automatically presenting workflow(s) in an application based at least partly on detected signal(s). A radio-frequency signal may be emitted from a transceiver and received by a transceiver of a user device when the transceiver is in proximity to the device. In response, an application including functionality to activate a payment card can launch.

Automated application workflows based on signal detection

Methods and systems for retaining credit card usage through systematic recognition of recurring payments are described. In some embodiments, a method includes receiving user transaction data relating to a payment instrument issued to a user. The user transaction data may include payees and a schedule of payments to the payees. The method may further include identifying recurring payees based on a category of each of the payees. In response to a triggering event requiring an account update of the payment instrument, a report identifying the recurring payees may be generated for the user.

Methods and systems for systematic recognition of recurring payees and payments

Methods and systems described in this disclosure generally relate to presentation of electronic offers that are viewable on financial instruments (e.g., credit cards and debit cards) by users. More specifically, various embodiments of the present disclosure relate to methods and systems for embedding information pertaining to the electronic offers on a financial instrument of a user. The information can be displayed on a screen or using flashing lights included inside or on the surface of the financial instrument. These offers can be provided by merchants or by banks and financial institutions associated with the financial instrument. In some embodiments, the financial instrument communicates with a mobile application running on a user's mobile device via wireless communication methods to receive offer-related information provided by the mobile application.

Systems and methods for electronic presentation of financial instrument offers

Techniques are described for automatically presenting workflow(s) in an application based at least partly on detected signal(s). A radio-frequency signal may be emitted from a transceiver included in, attached to, or otherwise associated with a payment card. The signal may be received by a transceiver of a user device when the card is in proximity to the device and, in response, an application may launch a workflow including one or more pages of content in the application. The launched workflow may include functionality for activating a payment card, based on a determination that the card is not yet activated. The launched workflow may also include functionality for viewing account information, based on a determination that the card is already activated.

Growing community of inventors

San Antonio, TX, United States of America

Matthew David Nolte