United Services Automobile Association (usaa)

Nathan Mahoney

Gunjan Chandraprakash Vijayvergia

Jason Paul Hendry

Debra Randall Casillas

Michael Joseph Gaeta

Wayne Maurice Hartman

Joshua Samuel Leonard

Hoang Trung Vo

Luke James Gradeless

Hieu Nguyen

Jeffrey Young

Miguel Solís, Jr

Michal Leighton Van Cleave

Brandon K Esplin

Alejandro Vera

Alexander B Nagelberg

Justin Leggett

Luis Daniel Silva

Matthew Barry Schulz

Joseph Gregory Delong

Techniques are described for client registration for authorizing an aggregator service to access data on behalf of an application, through self-registration of an application client identifier and issuance of authorization token(s) based on the application client identifier. Implementations provide a technique for dynamic client registration that avoids the need for manual vetting and manual generation of the client credential grant. Additionally, the implementations described herein enforce domain values around the scope and/or purpose of the client grant. This allows for support of application providers through a single point of registration that supports multi-layer and channel. This also allows for support of a scalable authorization solution for any suitable number of clients. The dynamic client registration process adds an additional layer of security through the OAuth client grant and mutual authentication.

Client registration for authorization

Methods, systems, and apparatus, including computer programs encoded on computer storage media for an automated financial management system. One of the methods includes receiving data indicating a list of historic transactions of a user from a plurality of financial institutions. The method includes identifying at least one predicted unexpected expense based on providing at least some of the data to a trained machine-learning model, the trained machine-learning model trained using historic transaction data of a plurality of other users. The method includes determining a plan to account for the unexpected expense. The method also includes automatically transferring an amount based on the plan.

Financial autopilot

An electronic system provides various features and functionality for managing resources. A trigger event may be associated with a mobile device. The trigger event may be detected (e.g., based on the mobile device being within a geo-fence) and, responsive to detecting the trigger event, a resource of a plurality of resources may be determined. A stash of the resource of a plurality of stashes of the resource may be determined and the stash of the resource may be replenished based on the trigger event associated with the mobile device.

Network based resource management and allocation

Techniques are described for providing a simultaneous, multi-device user experience that employs computing devices with varying capabilities for data input and/or data output, using a microservice-based architecture. A user may register multiple devices with a service, which determines capabilities of the devices for data input and/or output. During a communication session involving the user and another user, such as a service representative, the service may receive input data collected through device(s) and/or provide output data to be presented on the same or other device(s), where such data input and data output is received and provided according to the input/output capabilities of the various devices. The data input and/or output may switch from device to device during a session. In some instances, data may be replicated for presentation through multiple devices simultaneously. Interactions with each device may be through a microservice that is associated with the device and/or its device type.

Microservice based multi-device coordinated user experience

An electronic system provides various features and functionality for managing resources. An alert may be sent when a mobile device crosses a geo-fence. The alert may describe how much of the resource is available for the types of transaction that are likely to occur within the geo-fence. The alert may request or confirm the allocation of the transaction to a resource pool or suggest alternative transactions.

Multiple digital assistants are employed to process requests within a computing environment. An initial request (e.g., voice command) may be received by a first DA. If it is determined that the first DA can handle the request based on one or more terms of the request, a communications session between a user and the first DA is established to handle the request. If it is determined that the first DA is incapable of handling the request, a second DA configured to handle the request is determined.

Cooperative delegation for digital assistants

Techniques are described for providing a simultaneous, multi-device user experience for one or more users, on computing devices that include different capabilities for data input and/or data output. A user may register multiple devices with a service, and the service may determine capabilities of the devices for data input and data output. During a communication session involving the user and another user, such as a service representative, the service may receive input data collected through one or more devices and/or provide output data to be presented on one or more devices, where such data input and data output is received and provided according to the various input/output capabilities of the various devices. The data input and/or data output may switch from device to device during a session. In some instances, data may be replicated for presentation through multiple devices simultaneously.

Multi-device coordinated user experience

Techniques are described for cryptographic key generation based on biometric data associated with a user. Biometric data, such as fingerprint(s) and/or heartbeat data, may be collected using one or more sensors in proximity to the user. The biometric data may be analyzed to generate a cryptographic key. In some implementations, the key may be employed by the user to access data, access certain (e.g., secure) feature(s) of an application, authenticate the user, digitally sign document(s), and/or for other purpose(s). In some implementations, the key may be re-generated for each access request or authentication instance, based on the user's fingerprint or other biometric data.

Growing community of inventors

New Braunfels, TX, United States of America

Nathan Mahoney