United Services Automobile Association (usaa)

Will Kerns Maney

Kelly Q Baker

Sumita T Jonak

Ruthie D Lyle

Mark Paxman Warnick

Jose L Romero, Jr

Sean Carl Mitchem

Timothy Blair Chalmers

Bryan J Osterkamp

Andre Rene Buentello

Gregory Brian Meyer

Oscar Guerra

Elena Marie Carrasco

Gregory David Hansen

William Preston Culbertson, Ii

Paula Ann Whittington

Joel S Hartshorn

Deborah Janette Schulz

Oscar Roberto Tijerina

Mitzi Ruiz

Ashley Raine Philbrick

Ryan Thomas Russell

David Patrick Dixon

Jennifer Hunt Erickson

Jeanie Graciela Lopez

Subhalakshmi Selvam

Charise Renee Whitaker

Pragya Kamal

Valerie Ann Roth

Ravi Durairaj

Nolan Serrao

Donald Nathaniel Holloway, Iii

Phillip E Marks

Bharat Prasad

Yevgeniy Viatcheslavovich Khmelev

Nathan Lee Post

Janelle Denice Dziuk

Mark Anthony Lopez

Stacy Callaway Huggar

Noe Alberto Martinez

Zachery C Lake

Thomas Wayne Schwarz, Jr

Steven Michael Bernstein

Keegan Patrick Hayes

David Jason Anderson James

Ana Maldonado

Jerry John Maestas

Michelle Susan Croak

Quian Antony Jones

Bradley J Billman

Bradly Jay Billman

William Daniel Farmer

Sacha Melquiades De'Angeli

Celena Dortch

Priyadarshini Badugu

Christian A Williams

Salvador Adrian Bretado

William Preston Culbertson

Soon Fatt Hoo

Brian J Osterkamp

John D Mceachron

Insurance and warranty cataloging, detection and evaluation techniques are described for a micro insurance or warranty system. An example method for an insurance or warranty system includes receiving, at a server, an error code from a device of a user, processing the error code to extract sensor data related to one or more failed components of the device, determining the one or more failed components is covered within an insurance policy or warranty based on the sensor data, and issuing an insurance claim or warranty claim based on the one or more failed components being covered. In some embodiments, the micro insurance or warranty system includes analyzing the sensor data to determine the cause of the one or more failed components.

Micro insurance and warranty cataloging, detection and evaluation system

This disclosure is directed to systems and methods for system for protecting privacy of data. The systems and methods include utilizing one or more processors to perform actions. The actions include receiving a request for an individual to provide data to an entity. The actions also include identifying the data of the individual to share with the entity. The actions further include collecting the data in a protected digital identification data packet. The actions even further include sending the protected digital identification data packet to an identified and secure source of the entity. The actions still further include receiving and confirming the data in the protected digital identification data packet at the source of the entity. The actions yet further include automatically causing alteration (e.g., deletion) of the data based on confirmation of the data to prevent further access to the data.

System and method for protecting privacy of data

A technique for monitoring stored goods using sensors and generating outputs, such as alerts, notifications, and the like, is provided. A storage monitoring system may identify a condition of a stored good based on data indicating storage conditions and handling conditions of the good. A storage assessment output is generated based on the identified condition of the stored good.

Systems and methods for monitoring goods relative to a storage vessel

A touchless method and system of performing an authentication of a person in order to permit access to a secured resource is disclosed. The system and method are configured to collect channel state information associated with a person as they pass through a sensor zone and identify a biometric signal for the person. The system detects whether there is a match between the biometric signal and any biometric signals previously collected and stored in a database. If there is a match, the system verifies an identity of the person and can be configured to automatically grant the person access to one or more services, features, or locations for which he or she is authorized based on the authentication.

Touchless authentication method and system

A health management system includes one or more processors configured to receive sensor data from one or more sensors disposed at a residence of a user. The sensor data is indicative of one or more conditions at the residence. The one or more processors are configured to determine a health of the user based on the one or more conditions, determine one or more actions configured to improve the health of the user based on the one or more conditions, and provide, via a device of the user, a notification indicative of the one or more actions.

Health management based on conditions at a user's residence

The techniques provided herein may be used to reversibly anonymize data and to mitigate possible de-anonymization the data by third parties. Specifically, a reverse anonymity data sharing service is used to anonymize personal data by replacing confidential information found in the data with unique identifiers. A reverse anonymity data store is used to store the unique identifiers with the information they replaced such that the anonymization may be reversed if needed. Machine learning models are used to prevent traceback, using publicly available data sources, of the anonymized data to it's the individual who generated the data or whom the data is about.

System and methods for data anonymity trackback mitigation

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

One or more tangible, non-transitory, computer-readable media, include instructions that, when executed by one or more processors, cause the one or more processors to receive, from an application programming interface (API), a list of objects corresponding to an online transaction, retrieve a classification lookup table based on the list of objects, identify a class of each object in the list of objects using the classification lookup table, and provide, to the API, the class of each object for processing of the online transaction.

Electronic service systems and methods

An energy usage computing system includes one or more processors that are configured to receive data corresponding to energy usage of a plurality of devices within a property from a plurality of sensors. The energy usage computing system is also configured to analyze the data to determine an amount of energy used for at least one device of the plurality of devices, project an estimated cost of operation for the at least one device based at least in part on the determined amount of energy used for the at least one device, compare the estimated cost of operation for the at least one device to a threshold, and perform a cost-saving action in response to determining that the estimated cost of operation for the at least one device is above the threshold.

Budgeting tool for smart devices

The present disclosure relates to detecting distracted driving on a mobile device and mitigating distracted driving by determining whether a mobile device is used by a driver of a vehicle or by a passenger of the vehicle. The system can determine that the mobile device is in a vehicle and modify the functionality of the mobile device to transition the mobile device into an automobile mode. Vehicle data and/or mobile device data can be used to determine a number of individuals in the vehicle. An identity of the operator of the mobile device can be authenticated based on authentication information obtained by the mobile device. Based on the authenticated identity of the operator of the mobile device, a driving score associated with the driver can be modified, where the score indicates a number of instances of distracted driving by the driver.

Distracted driving detection and mitigation

The present disclosure relates to a system, method, and mobile computing device apparatus for detecting the physical presence of a bank customer at a bank branch, and delivering an enhanced customer service experience by anticipating the bank customer's needs. Detection of the bank customer through visual data such as facial recognition, or electronic data such as medium range electronic communication networks to the customer's mobile computing device, allow a bank to retrieve relevant customer profile and customer transaction history data and use that data to deliver communications to the customer even before the customer speaks to a bank teller.

Systems and methods for touchless in-person bank customer service

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

A user score of a test for assessing a risk of a user of having or developing a contagious illness may be obtained, for each user of a plurality of users entering in a group setting. A group score based on the user scores associated with the plurality of users in the group setting may be generated. The group score indicating a group risk of a presence or development of the contagious illness in the group setting may be communicated for display. Group scores associated with a plurality of group settings may be obtained and communicated for display. A message may be communicated to a mobile user device indicating a group setting as a current high risk group setting, being associated with a score that is outside a limit set by a threshold value and with a location in proximity to a current location of the mobile user device.

Method and system for accurately tracking and informing of health and safety for group settings

An order fulfillment management system includes processing circuitry configured to receive merchant data indicative of a capability of a merchant to fulfill orders for a good. The processing circuitry is also configured to provide an output to a first consumer in response to the first consumer attempting to complete a purchase of the good from the merchant while the merchant data indicates that the merchant is unable to fulfill the orders for the good within a timeframe. The output includes a notification on a graphical user interface for visualization by the first consumer, and the notification is configured to discourage the first consumer from purchasing the good from the merchant by recommending an alternative action to the first consumer.

Order fulfillment management system and method

The present embodiments relate to automatic claim value generation. Particularly, the present embodiments include retrieving information from various sources and processing the data to derive an overview of damage to vehicles incurred during a vehicle accident, deriving an estimated value (or 'cost') to rectify the damage, and a client-specific claim value to be presented to the client representing a value to rectify the damage based on a policy corresponding to the client. The present embodiments provide an automated (or “touchless”) claim value payout system to provide a claim value specific to the client and the accident incurred by the client that is performed by a computing device without intervention by an operator.

Automatic generation of claim values in vehicle-related incidents using data from various sources

Growing community of inventors

San Antonio, TX, United States of America

Will Kerns Maney