United Services Automobile Association (usaa)

Samip Dilip Mehra

Emily Margaret Gray

David Patrick Dixon

Gregory David Hansen

Janelle Denice Dziuk

Gregory B Yarbrough

Megan Sarah Jennings

Charles Balasingh

Andre Rene Buentello

Jose L Romero, Jr

Timothy Blair Chalmers

Robert Lee Black

Matthew Ryan Santacroce

Madhusudhana Rao Abburi

Brian Francisco Shipley

Carlos J P Chavez

Joel S Hartshorn

Qunying Kou

Ric M Pena

Timothy Shiveley

Chip cards that are protected from unauthorized access to information and instructions stored in the chip card's chip by unauthorized persons using illicit devices that emulate chip readers to interrogate the chips in chip cards and obtain or download confidential data stored in the chips. The chip cards are disabled when not ready to be used, such that the chips cannot be accessed by illicit devices, thus protecting the chip card owner and/or issuer from potential losses.

Chip card with on/off mechanisms

Technology for determining a queue position of a call from a user can include receiving, at an enterprise, the call from a user device associated with the user. The user device includes an application associated with the enterprise. The call is placed into an on-hold queue. A weighted level of importance associated with the call is determined based on call history information associated with the user device and call frequency associated with the user. The weighted level of importance is compared to at least one weight threshold. A wait time for the call is decreased based on the weighted level of importance meeting or exceeding the at least one weight threshold.

Method and apparatus for determining an on-hold queue position of a call

Data analysis, filter, and presentation techniques are described for an example call management system. An example method for a data management system includes receiving, from a user device, an account identifier of a first person, receiving, from the user device, a first message related to a topic of conversation to be discussed during a telephone call with the first person, determining, based on the account identifier and within a pre-determined time period, a presence of a set of data that describes conversation(s) from prior telephone call(s)/chat(s) with the first person, and sending, to a computer, at least some data from the set of data and a second message that indicates that the telephone call is mapped to a second person, where the computer is configured to display on a screen the second message and a presentation option that presents the at least some data via the computer.

Data analysis, filter and presentation techniques for call management systems

A method may include receiving, via a processor, an indication that a vehicle is in use, determining that a user of the vehicle is expected to perform an online-platform task, and determining one or more routes to perform the online-platform task. The method may further include determining one or more insurance rates for the one or more routes based on a type of the online-platform task, one or more driving characteristics associated with the user, the one or more routes, or any combination thereof. Additionally, the method may include displaying a visualization indicative of the one or more insurance rates via an electronic display. Furthermore, the method may include receiving a selection of a first insurance rate of the one or more insurance rates that corresponds to a first route of the one or more routes, detecting that the vehicle is deviating from the first route, and adjusting the first insurance rate in response to detecting that the vehicle is deviating from the first route.

Systems and methods for dynamically adjusting pay-per-ride insurance

A system and method for preventing fraudulent credit card or debit card transactions by coupling a smart phone to the credit card or the debit card, and transmitting identification information from the smart phone to the card. The card is normally disabled such that no transaction may take place unless the card is enabled. The card receives the transmitted identification information and compares that information to corresponding information stored on the card. If the received information matches the stored information, the card is enabled thus allowing the transaction to take place.

Systems and methods for preventing fraudulent credit card and debit card transactions

Technology for placing a user on-hold can include sending a push notification to a user device after the call has been placed on-hold. A link in the push notification can request authentication credentials from the user. When the authentication credentials have been received and verified, a chat window can be launched via an application on the user device. The intent of the call can be determined based at least in part by information received via the chat window. The authentication information and the intent of the call can be transferred to a representative answering the call.

On-hold experience

A flexible chip card such as a credit card or a debit card that incorporates a protective layer that precludes unauthorized access to the chip in the chip card. The protective layer is a highly conductive layer that shields the chip and prevents electromagnetic waves that may be emitted by an illicit device from accessing the chip. This protective layer thus prevents any unauthorized persons from obtaining confidential information from the chip card that may then be used to consummate fraudulent transactions or conduct other illicit activities. In one embodiment, the flexible chip card includes one or more stiffening structures to provide rigidity to the chip card.

Flexible foldable chip card with improved security

Growing community of inventors

Peoria, AZ, United States of America

Samip Dilip Mehra