United Services Automobile Association (usaa)

Steven James Schroeder

Gunjan Chandraprakash Vijayvergia

Bharat Prasad

Manfred Amann

Eric David Schroeder

Michael J Maciolek

Snehal Desai

Donnette L Moncrief Brown

Kelsey Anne O'Brien

Joseph Gregory Delong

Sayeef Rahim

Nicole Ferretti

Jonathan Huntington Rhea

Melissa Jane Porter

Joseph Michael Vesco

Timothy Frank Davison

Rachel Michelle Ballew

Hudson Reid Jameson

Minya Liang

Alexander B Nagelberg

Martin Lopez

Chung Shing Sheldon Lee

Justin Dax Haslam

Cory A Matheson

Michael Joseph Gaeta

Michael L Hertz

Joseph Matthew Doddato

Darrius Jones

Systems and methods for performing netting of business-to-business payments for settlement of running balances between parties are provided. To that end, blockchain infrastructures allow smart contracts that may be suitable for subrogation and netting operations, and the smart contracts that facilitate the operations. Application-programming interfaces (APIs) are provided that may be used to interact with the smart contracts.

Business-to-business netting

A system and method provide a two-way pager system. Members use pager systems to communicate in situations where they lack power or access to other modes of communication. For example, the pagers have a switching system that allows users to broadcast information about their current situation in an emergency. For example, the system could use switches that could be set to three different settings. Separate switches could be used for different categories of resources required in an emergency, and the switches could take on settings that represent resource requirements and availability. A centralized system listens for pages from users' pagers that transmit the switch settings for the categories. The centralized system then determines which users lack certain resources, which users have sufficient resources, and which users need certain resources. The system then transmits information through the pager network to inform users where to find resources that they are lacking.

Two way pager system

A communication device is disclosed. Specifically, the communication device may be a telephone service powered hotspot that plugs into a telephone jack of a Public Switched Telephone Network. The telephone plug of the hotspot provides power and a telephone connection for the hotspot. The hotspot may include a modem that can use the telephone connection to connect the hotspot to an Internet Service Provider. By using such a connection, the modem can provide dial-up internet connectivity for the hotspot. The hotspot can use the power supply to provide a wired or wireless power source for nearby devices after a disaster disables usual power sources. The hotspot can use the internet access from the modem to provide wired or wireless internet access for the nearby devices. However, because dial-up connectivity can have a very limited bandwidth, the hotspot may throttle applications when the bandwidth requires such throttling.

Telephone service powered hotspot

A system and method for using wearable device data and data gathered from a vehicle's onboard sensors to provide a more accurate and/or robust set of information about an accident. In one embodiment, a smartwatch is connected to the CAN bus of a vehicle so that data can be transmitted between the watch and onboard sensors. In one embodiment, onboard vehicle sensors may detect a sudden deceleration indicating that an accident may have occurred. At the same time, data from an occupant of the vehicle can be used to confirm if the occupant experienced a sudden deceleration at the same time, indicating that a crash has occurred.

System and method for vehicle collision analysis

A warming device is disclosed. The warming device includes an interior void that is sized to accommodate an exterior plumbing fixture, like an outside faucet. The warming device includes a heating member that is automatically activated in response to a change in temperature. When activated, the heating member generates heat to help protect the exterior plumbing fixture from the elements.

Thermally activated warmer

A package in which an onboard computing system and a plurality of sensor devices are embedded. The package includes a plurality of cameras that are positioned against sidewalls of the package in order to capture image data of the external environment. When the computing system determines the package has arrived at a predesignated set of coordinates corresponding to a target property for which an appraisal is to be performed, the cameras are activated and begin collecting image data. The image data is transmitted to a remote server which will store the image data for review by insurance personnel.

Sensor package for automated remote data capture in property appraisals

Techniques are described for a distributed ledger based interchange system for transferring value between entities. A decentralized and distributed ledger system, such as a blockchain network, may include treasury accounts each associated with an institution that participates in the system. A particular transaction may be submitted for approval based on the votes of the peers in the distributed ledger based interchange system. If at least a threshold number of votes indicate approval, the transaction is approved. A signal may be sent to the institutional systems indicating that accounts of the sending and receiving entities may respectively be debited and credited the value of the transaction. Settlement may occur between the treasury accounts of the sending and receiving institutions on the distributed ledger system, and settlement may be performed in real time with respect to the transaction.

Distributed ledger based interchange

Implementations of the present disclosure include determining that a private transaction is to be recorded in a distributed ledger system (DLS) based on a consensus protocol executed by a set of entities participating in the DLS, the private transaction including a transaction between a subset of entities of the set of entities, providing a set of noisy transactions based on a transaction model, and transmitting data representative of at least a portion of the private transaction, and data representative of each noisy transaction in the set of noisy transactions for recording in the DLS based on the consensus protocol.

Privacy preservation in private consensus networks

Techniques are described for managing access to data stored in a blockchain, and for managing the communication of blockchain data to other entities. A private key may be generated and issued to an external entity to enable the external entity to access an internal (e.g., private blockchain). The external entity may be an external (e.g., public) blockchain, device, process, or user that is outside an internal network. The key may be associated with metadata that includes constraints, conditions, or rules governing access to the blockchain. An authorized entity may employ the key to request access to the blockchain via access management module(s), and the access management module(s) may employ the metadata to determine whether to approve the request. The access management module(s) may also employ rules governing outbound communication of data from internal blockchain(s) to external entities.

Managing blockchain access

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

Implementations of the present disclosure include receiving a record corresponding to a private transaction recorded in two or more private state databases of entities participating in the private transaction within a distributed ledger system (DLS), generating a data representation based on the record, transmitting the data representation for public consensus processing within the DLS, and recording within a public ledger of the DLS, and providing a public record for recording in the DLS, the public record being recorded in a public state database of each of entity participating in the DLS.

Growing community of inventors

Oak Point, TX, United States of America

Steven James Schroeder