United Services Automobile Association (usaa)

Michael L Hertz

Gunjan Chandraprakash Vijayvergia

Joseph Matthew Doddato

Ramsey Devereaux

Michael Kyne

Theresa Marie Matowitz

Steven Robert Seigler

Dorothy Jean Bolt

James Malcolm Spears

Amber K Buehrle

Bharat Prasad

Michael Joseph Gaeta

Alexander B Nagelberg

Steven James Schroeder

Hudson Reid Jameson

Darrius Jones

Amber K Buehrie

Systems and methods of the present disclosure include a system that includes a maneuverable building detection device configured to engage and maneuver along a wall of a building comprised of a plurality of building components. The maneuverable building detection device includes at least one building component detection sensor device. Each building component detection sensor device is configured to detect data relating to at least one building component of the plurality of building components. In certain embodiments, the system also includes a building component property determination system configured to automatically determine one or more properties of the at least one building component based at least in part on the data detected by the at least one building component detection sensor device. In addition, in certain embodiments, the system further includes a building insurance determination system configured to automatically determine insurance rates and/or insurance coverage for the building based at least in part on the one or more properties of the at least one building component determined by the building component property determination system.

Building inspection systems and methods utilizing maneuverable building detection devices

Systems and methods of the present disclosure include receiving an aerial image that includes a view of property (e.g., real property, personal property, or other types of property), automatically identifying the property included in the aerial image, automatically determining one or more characteristics of the property based at least in part on the aerial image, and automatically adjusting an insurance policy term for an insurance policy relating to the property based at least in part on the one or more characteristics of the property. Certain embodiments include automatically determining the one or more characteristics of the property also based at least in part on data received from one or more smart home devices associated with the property, one or more public records relating to the property, a supplemental image accessed from a camera located in or around the property, and so forth.

Real property monitoring systems and methods

Techniques are described for using a supplemental data layer of a real time payments channel to send data. For example, an entity may request a transaction with another entity, and the transaction may be performed using a channel that includes a supplemental data layer. Supplemental data, in addition to the data for the transaction itself, may be communicated using the supplemental data layer to entities involved in the transaction, and/or to third parties. The supplemental data may be sent in real time with respect to the sending of the data for the transaction. In some instances, supplemental data layer is present in one or both directions in the two-way communications between the entities involved in the transaction. The supplemental data layer can be leveraged to provide additional information and/or services to a user involved in the transaction.

Supplemental data transmission for network transactions

The present disclosure relates to analyzing data related to smart home activity that is useful to risk analysis, service cost determination/adjustment, and behavioral incentivization. A monitoring system may acquire maintenance information, contextual information, and/or financial information with minimal user input to assess risk associated with user behavior and home activity associated with a smart home. Based on generating a risk factor associated with the smart home, the monitoring system may provide a user with an accurate service cost (e.g., home insurance quote) related to the smart home activity.

Low friction data analysis system

Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving information of a negotiable instrument, transmitting the information to a distributed ledger system, the distributed ledger system maintaining a blockchain that records transactions associated with a plurality of negotiable instruments, receiving validation information from the distributed ledger system, the validation information indicating that negotiable instrument has not already been accepted, and accepting the first negotiable in response to the validation information.

Identifying negotiable instrument fraud using distributed ledger systems

Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for obtaining a distributed blockchain encoding automated clearing house (ACH) authorization data associated with one or more prior transactions to provide a local copy of the distributed blockchain, receiving ACH authorization data associated with a first transaction, validating the ACH authorization data associated with the first transaction to obtain validation information corresponding to the first ACH authorization data associated with the first transaction, updating the local copy of the distributed blockchain with the validation information, and broadcasting the validation information to multiple nodes.

ACH authorization validation using public blockchains

Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving first information of a first negotiable instrument, at least a portion of the first information including a first unique instrument identifier physically encoded on the first negotiable instrument, the first unique identifier uniquely identifying the first negotiable instrument among a plurality of negotiable instruments, transmitting the first information to a distributed ledger system, the distributed ledger system maintaining a blockchain that records transactions associated with a plurality of negotiable instruments, receiving first validation information from the distributed ledger system, the first validation information indicating that first negotiable instrument has not already been accepted, and accepting the first negotiable in response to the first validation information.

Growing community of inventors

San Antonio, TX, United States of America

Michael L Hertz