United Services Automobile Association (usaa)

Paula Ann Whittington

Will Kerns Maney

Joel S Hartshorn

Jose L Romero, Jr

Noe Alberto Martinez

Jeanie Graciela Lopez

Bharat Prasad

Ashley Raine Philbrick

Ryan Thomas Russell

Oscar Guerra

Sumita T Jonak

Kelly Q Baker

Thomas Wayne Schwarz, Jr

Charise Renee Whitaker

Valerie Ann Roth

Pragya Kamal

Andre Rene Buentello

Janelle Denice Dziuk

Jennifer Hunt Erickson

Donald Nathaniel Holloway, Iii

Marta Leigh Argumedo

Desmond Montrell Savage

Nolan Serrao

Snehal Desai

Minya Liang

Carlos Jp Chavez

Celena Dortch

Bradley J Billman

Sean M Hager

Ruthie D Lyle

Bradly Jay Billman

Richard Daniel Graham

Matthew C Reedy

Soon Fatt Hoo

A method may include receiving, via at least one qubit processor, input data comprising user location data associated with one or more locations of a user over a period of time and Internet-of-Things (IoT) data associated with the user. The method may then involve generating a quantum encryption model based on the input data. The quantum encryption model may apply encryption algorithms to subsets of the input data in superposition. Each subset may include at least one combination of at least a portion of the user location data and at least a portion of the IoT data. The method may then involve receiving dynamic input data that may include updated user location data and updated IoT data acquired after the input data, determining a dynamic password based on the quantum encryption model and the dynamic input data, and sending a notification including the dynamic password to a user device.

Performing encryption services using combinatorial analysis of event data and IOT device data

This disclosure is directed to systems and techniques for identifying one more path solutions in a traffic or pedestrian context that address multiple factors specified by an individual or by groups of individuals. As discussed herein, such pathfinding techniques may take into account multiple constraints or preferences specified by individuals as well as multiple sources of data, including sensor or image data, online data sources, data derived from online or smart home devices, calendar or schedule data tied to the individual and so forth. As discussed herein, the present disclosure is related to performing combinatorial analysis using quantum computing systems to efficiently identify and/or characterize potential paths based on criteria specified by users as well as a variety of accessible and disparate data sources.

Pathfinding using quantum computational analytics

A method and system for securely communicating with third parties who are authorized to control access to funds in a banking account held by a financial institution is disclosed. The method and system are particularly useful when the third party does not have direct access to account controls (for example, through a secure web portal or a secure banking application). While joint account holders, or other authorized users, of the banking account may communicate directly through an account management service, communication with the third party is mediated using a separate messaging service, such as a short messaging service (SMS). An authorization token may also be used as part of the approval process.

Communications methods and systems for secure account fund transfer using a third party

A system includes at least one processor and at least one non-transitory computer-readable media communicatively coupled to the at least one processor. In an embodiment, the at least one non-transitory computer-readable media stores instructions which, when executed, cause the processor to perform operations including receiving a request to insure an item of personal property. The operations also include determining ownership of the item based on information stored on a distributed ledger. The operations also include determining authenticity of the item based on the information stored on the distributed ledger. The operations also include determining a value of the item based on the information stored on the distributed ledger. The operations also include generating an insurance policy for the item based at least in part on the ownership, the authenticity, the value, or any combination thereof.

Systems and methods for managing financial transaction information

A method may include receiving static input data comprising a plurality of heath states for individuals over a period of time with respect to respective locations, receiving event scenario data comprising expected paths for weather events, and generating a quantum health state model based on the static input data and the event scenario data. The quantum health state model may evaluate each health state with respect to the individuals at the respective locations and the weather events in superposition. The method may receive dynamic input data associated with the individuals and a plurality of sensors acquired after the first dataset. The method may determine that an individual of the plurality of individuals is associated with a health data value that is greater than a threshold based on the quantum health state model and the dynamic input data and automatically transmit notifications indicative of the expected location to devices.

Active alert system based on combinatorial analysis of event data and IoT data

A system and method for helping a user carrying a smart device to maintain safe distances from other persons during an epidemic or a pandemic. A portable smart device measures the approximate distance to persons in the vicinity of the user, and notifies the user whenever he or she is too close to other persons. The portable smart device may overlay augmented reality graphics (such as arcs, lines, text, numbers, or other graphics) over images captured by the smart device's camera, to indicate safe distances. The graphics serve to inform and/or warn the user that he or she may be getting too close to other persons.

Systems and methods for virtual physical distancing

Systems and methods receive contextual data related to spending as well as spending data. Correlations are determined to explain variables that influence spending amounts or rates. Systems and methods can collect user spending context data associated with a user, generate spending correlations between variables of the user spending context data, determine a next event based on at least one of the location data and the relationship data, and generate a next event value for the next event having at least a subset of the variables.

Systems and methods for contextual spending correlation

A system includes at least one processor and at least one non-transitory computer-readable media communicatively coupled to the at least one processor. In an embodiment, the at least one non-transitory computer-readable media stores instructions which, when executed, cause the processor to perform operations including receiving a request to insure an item of personal property. The operations also include determining ownership of the item based on information stored on a distributed ledger. The operations also include determining authenticity of the item based on the information stored on the distributed ledger. The operations also include determining a value of the item based on the information stored on the distributed ledger. The operations also include generating an insurance policy for the item based at least in part on the value.

A system and method for automatically documenting a condition of a property and generating a request for return of a security deposit is described. In one embodiment, a method for automatically documenting a condition of a physical space includes determining an initial condition of one or more inspected elements in a physical space. The method also includes obtaining a current condition of the one or more inspected elements in the physical space. The method includes determining changes between the initial condition and the current condition for each of the one or more inspected elements. The method further includes generating a report documenting the changes of the one or more inspected elements in the physical space.

Rental deposit advocate system and method

A sanitary method and system of providing touch interface experiences to users of public devices are disclosed. In one aspect, the system and method are configured to deploy a clean, protective barrier across a touchscreen for each user of the public device. The barrier includes a transparent membrane that permits the user to provide touch-based inputs to the touchscreen through the barrier. In cases where the touch interface is generated by a projector, the system and method are configured to deploy a membrane that serves as a disposable screen for the projected interface. Once each user completes their session, the system automatically replaces the used membrane with a fresh membrane, ensuring subsequent users are not exposed to contaminants or residue from previous user sessions.

Systems and methods for providing sanitary touch interface experiences

A method and system of increasing the security of requests to access funds from a joint bank account by secondary users to permit a primary user to securely regulate fund usage are disclosed. The system and method are configured to link to a bank account and restrict access of funds by secondary users per conditions defined by the primary user(s). A software application receives requests for funds from secondary users for use during a transaction to be performed at a specific merchant location. The application requires geodata that supports the proposed transaction, for example by inclusion of an image taken in which GPS data is embedded. The request will only be conveyed to the primary user if the system determines the embedded GPS data corresponds to the location of the merchant.

Location-based purchase verification for fund transfers

A method and system of increasing the security of requests to access funds from a joint bank account by secondary users in order to permit a primary user to securely regulate fund usage are disclosed. The system and method are configured to link to a bank account and restrict the access of funds by secondary users per conditions defined by the primary user(s). An application can be accessed via a computing device that receives requests for funds from secondary users and requires the secondary user to also submit a digital image or video that supports their proposed transaction. The request will only be conveyed to the primary user if the necessary digital verification is received by the system.

Secure purchase verification for fund transfers

A system and method for dispatching messages from a user to at least one recipient over a telecommunications network is disclosed. The system includes a messaging system and an authentication system. The messaging system receives user messages, retrieves contact information for recipients on a user's contact list, and attempts to deliver messages to recipients on the list. The system may continue attempting to deliver messages to recipients until it finds a recipient who is available to receive the message. The authentication system is used to ensure the recipient is a person and not a machine. The messages could be audio messages delivered using a telephone network or messages delivered over an SMS network.

Message dispatch system for telecommunications network

Embodiments of the invention monitor requests for a source code build of a program. The source code build is generated using the most recent applicable release of the dependencies. The source code build is dynamically merged into at least one subsequent release. Other embodiments may be described and claimed.

Growing community of inventors

Helotes, TX, United States of America

Paula Ann Whittington