United Services Automobile Association (Usaa)

State Farm Mutual Automobile Insurance Company

Hs Labs, Inc.

Sharon Kay Haverlah

Andre Rene Buentello

Bradly Jay Billman

Gunjan Chandraprakash Vijayvergia

David Patrick Dixon

Michael Joseph Gaeta

Ross Andrew Thiele

Michael Belko

John Hope

John Loflin

Ogechi Namme

Steven K Dunlap

Wesley Allen Arnold

Bharat Prasad

Nolan White

William Guthrie

Karen Marie Shackelford-George

Dustin Helland

Edward Austin

Ryan Maurer

Kyle D Weber

John Chandler Hopkins

Florian Braun

Manfred Amann

Eric David Schroeder

Justin Dax Haslam

Emily Margaret Gray

Gabriel Carlos Fernandez

Ramsey Devereaux

Jess Witman Gingrich

Zakery Layne Johnson

Alexander B Nagelberg

Michael Kyne

Heather Hernandez

Seth E Ethington

Michael Scott McQuarrie

Donna Moncrief Brown

George Charles MacNair

George MacNair

Amy R Marquez

Corey Pickrel

Juspreet Kaur

Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.

Net settlement of subrogation claims using a distributed ledger

Techniques utilize augmented reality to identify anomalies in properties or structures based thereon. Augmented reality video glasses can be authenticated and provided stored data of a property in an undamaged state. Imagery of the property can be collected using the augmented reality video glasses. An anomaly associated with the property can be determined.

Method and system for processing insurance claims using augmented reality video data

Various embodiments of the present disclosure generally relate to transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.

Proactive bank transaction staging methods and systems

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

Techniques utilize augmented reality to identify anomalies in properties or structures based thereon. Aspects can collect, using augmented reality video glasses, imagery of a property and display, to a wearer of the augmented reality video glasses using the augmented reality video glasses, data describing the property. Aspects can further compare the imagery of the property to the data describing the property to determine at least one anomaly associated with the property and report the anomaly to a user.

A system includes at least one processor and at least one memory communicatively coupled to the at least one processor, where the at least one memory stores instructions. When executed by the at least one processor, the instructions are configured to receive death certificate information from a node of a distributed ledger system, determine, a record to be updated based at least in part on the death certificate information, and update the record. The death certificate information and the record are associated with an individual.

Death certificate information processing techniques

A method, apparatus and system are disclosed for capturing an image of an item identifier by a wearable sensor. The item identifier can be analyzed to identify a specific item. The specific item can then be referenced to display information on the specific item, and display the results of analysis made with reference to the specific item.

Wearable electronic devices for automated shopping and budgeting with a wearable sensor

Systems and methods for processing checks using 2D barcodes are provided. A user submits a digital image of a check that includes a 2D barcode. The 2D barcode has embedded positional information of one or more check features which can be decoded. The 2D barcode can include one or more check parameters. These check parameters can be decoded and used for processing, verification, and/or fraud prevention. Examples of check parameters can include an account indicator if the check is drawn from a business account or a personal account, a maximum amount allowed on the check, account information, a government identifier, or an electronic watermark. The user can submit the digital image of the check to a check processing system.

Method for preventing check fraud

Various embodiments of the present disclosure generally relate transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.

Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving a vehicle identifier (VID), the VID uniquely identifying a vehicle of a user, receiving a response that indicates the user and that provides user information associated with the user, the user information including one or more of behavioral information and disbursement information, and at least partially performing an operation based on the user information.

Vehicle identifier communication and authentication

Growing community of inventors

Bulverde, TX, United States of America

Sharon Kay Haverlah