United Services Automobile Association (usaa)

Usaa

Michael Belko

Sharon Kay Haverlah

Wesley Allen Arnold

Steven K Dunlap

James E Goral

Richard Charles Neal

Matthew Douglas Karam

Richard Edward Wintheiser

Christopher Charles Ogburn

Jeremy S May

Angela L Fahrenthold

Regina E Hirner

Kristin J Kuhn

Shawn T Loftus

Jiemin L Math

James G Miranda

Josue Manuel Perez

Chad Michael Martin

The present disclosure is related to a system that may include a first computing device and a second computing device. The first computing device may send a request for identification data corresponding to one or more health properties associated with a user. The second computing device may receive the request for the identification data. In response to receiving the request, the second computing device may retrieve health data acquired by one or more sensors for monitoring the one or more health properties that correspond to the user and stored in a memory. The first computing device may receive the health data sent from the second computing device and authenticate an identity of the user based on the health data.

Systems and methods for user authentication using health information

In one embodiment, one or more non-transitory, computer-readable mediums store computer instructions that, when executed by a processor, cause the processor to receive inputs from one or more request sources. The inputs include user credentials to an electronic medical record (EMR) source provider system. The computer instructions, when executed by the processor, also cause the processor to validate the credentials via communication with the EMR source provider system without an external authorization process, retrieve one or more EMRs from the EMR source provider system after the credentials are validated by the EMR source provider system, and store the one or more EMRs in a single data repository.

Electronic medical record transfer systems and methods

Systems and methods for gathering information for insurance underwriting may present a question from a sequence of questions. Questions in the sequence of questions may relate to an insurance underwriting function. A response to the question may be collected and analyzed. An investigative function may be selected based upon the analysis of the response to the question. Other embodiments may be described and claimed.

Reflexive underwriting application responses

The present disclosure describes determining a premium for a life insurance policy. One or more methods and systems include combining a determination of a mortality risk with a determination of a future lapse risk for an individual to yield the premium for the life insurance policy.

Determining premiums for life insurance policies

Methods and systems are disclosed for automatically allocating work projects to personnel based on work complexity level and level of knowledge and experience of the personnel. In one implementation, the methods and systems provide a work allocation tool that allows a user to input the level of complexity of the work projects according to one or more predefined criteria. The work allocation tool then automatically determines which of the available personnel has the required level of knowledge and experience to complete the work projects. Personnel who have already exceeded a target number or percentage of work projects in a given time period may be automatically excluded from the allocation. The work allocation tool thereafter randomly selects one of the available personnel and automatically allocates the work projects. An administrator interface allows a manager to define each person's target numbers or percentages and to stop further allocations if needed.

Work allocation tool

Growing community of inventors

Boerne, TX, United States of America

Michael Belko