US Pat. No. 9,129,332

SYSTEMS AND METHODS FOR PRICE SEARCHING AND INTELLIGENT SHOPPING LISTS ON A MOBILE DEVICE

United Services Automobil...

1. A system for providing a shopping list, the system comprising:
one or more processors configured to:
receive input data containing product identification information;
determine location information of a product identified by the product identification information;
obtain, from a location system associated with a mobile device, a current location of the mobile device; and
determine a proposed route from the current location to a location of the product identified by the location information based
at least in part on a number of user selected locations to include in the proposed route and a prioritized list of factors
provided by the user, wherein

the prioritized list of factors is arranged in an order priority by the user, wherein the order of priority is a ranking by
the user of each factor in a list of factors presented to the user;

the prioritized list of factors includes lowest overall cost of the product, whether the user needs the product as soon as
possible, whether the product is available at a physical store or website, whether the lowest cost is within a predetermined
percentage difference from a cost within the received input data, and whether the product is available at a location within
a certain distance of the current location; and

the location of the product is selected based at least in part on a received request from the user to determine the proposed
route.

US Pat. No. 9,400,963

TASK PRIORITIZATION BASED ON USERS' INTEREST

United Services Automobil...

1. A non-transitory computer-readable medium storing instructions for prioritizing queued tasks in a queued task system based
on user interest, said instructions executable by a processing resource to:
assign a first priority level to a task associated with a user;
receive a task status request communication from the user to access the status information of the task thereby making the
task a queried task; and

automatically assign a second priority level to the queried task directly because of the receipt of the task status request
communication regardless of task performance conditions.

US Pat. No. 9,386,159

MULTIMEDIA NETWORK TRANSPOSITION

United Services Automobil...

1. A system for routing communication, comprising:
an intent detection system operable to:
receive a communication initiated by a user, wherein the communication references an enterprise routing platform, and
determine a subject matter, a content, or a purpose of the communication; and
an enterprise routing engine operable to:
determine a network over which to route the communication based on enterprise mapping rules, the enterprise mapping rules
relating to a quality of service, and the subject matter, the content, or the purpose of the communication, the routing being
done over an alias transport network or a public transport network, and

initiate delivery of the communication to a destination over the determined network.

US Pat. No. 9,264,428

SYSTEMS AND METHODS FOR PRICE SEARCHING VIA A MOBILE DEVICE READING DISPLAY SCREEN GRAPHICS

United Services Automobil...

1. A system, comprising:
an input device configured to obtain information associated with products;
a display device;
memory; and
at least one processor configured to:
receive information associated with prices of a product at (i) at least one physical store and (ii) at least one online store,
determine a first cost for purchasing the product from the physical store, the first cost being determined at least partially
based on the price of the product at the physical store and a travel cost associated with travelling to the physical store,

determine a second cost for purchasing the product from the online store, the second cost being determined at least partially
based on the price of the product at the online store and shipping costs associated with purchasing the product from the online
store,

provide the first cost and the second cost to the display device,
calculate a difference in price between the first cost and the second cost, and
select between the product from the physical store and the product from the online store based on whether the calculated difference
in price is within a predetermined range and whether the product from the online store is on back-order.

US Pat. No. 9,225,828

METHODS AND SYSTEMS FOR AUTHENTICATING A USER ON A CALL

United Services Automobil...

1. A computer-implemented method comprising:
receiving, via a communications network, a call from a caller made via a device, wherein the device is identified by a unique
device identifier;

identifying, by a processor, a user profile of a user associated with the device based on the unique device identifier;
determining, by the processor, an enrollment status in a quick access service of the user and the device from the user profile,
wherein the quick access service allows the user to be authenticated by providing only a user verifier that does not include
personally identifiable information;

when the user and the device are enrolled in the quick access service:
requesting, from the caller, the user verifier associated with the user profile,
receiving, from the caller, the user verifier,
verifying an identity of the caller by comparing the user verifier received from the caller with the user verifier associated
with the user profile, and

authenticating the caller as the user after verifying that the user verifier received from the caller matches the user verifier
associated with the user profile; and

when the user is enrolled in the quick access service but the device is not enrolled in the quick access service:
determining a length of time the device has been associated with the user profile, and
offering to enroll the device into the quick access service when the length of time the device has been associated with the
user profile exceeds a threshold length of time.

US Pat. No. 9,129,340

APPARATUSES, METHODS AND SYSTEMS FOR REMOTE DEPOSIT CAPTURE WITH ENHANCED IMAGE DETECTION

United Services Automobil...

1. A financial instrument image enhancement method for remote deposit implemented in a financial service computer system having
a processor and a memory in communication with the processor, the method comprising:
receiving a request at the processor to deposit a financial instrument from a portable device associated with a depositor,
the portable device remotely located from the financial service computer system and in communication with an image capture
device;

the processor establishing a secure communications channel to the portable device using depositor identifying information;
the processor transmitting a remote deposit component to the portable device via the secure communications channel, where
the remote deposit component is used by the portable device to control the image capture device;

the processor receiving an image of the financial instrument from the portable device via the secure communications channel;
the processor extracting a rectangular financial instrument image from the image of the financial instrument by determining
a plurality of corners of the financial instrument in the received image, wherein determining the plurality of corners of
the financial instrument in the received image comprises:

dividing the image of the financial instrument image into sub-images;
determining anomaly scores for a plurality of the sub-images, a respective anomaly score being indicative of an anomaly in
a respective sub-image; and

determining the plurality of corners based on the anomaly scores;
the processor extracting deposit information from the rectangular financial instrument image; and
the processor depositing funds as indicated by the financial instrument based on the extracted deposit information.

US Pat. No. 9,299,073

SECURE CARD

United Services Automobil...

1. A payment instrument, comprising:
a substrate having no visible personal identifying information; and
an activation number stored in a machine-readable manner on the substrate to activate a payment instrument,
wherein an account number is generated in response to activating the payment instrument,
wherein funds are transferred from a first account to a second account associated with the account number, and
wherein the account number is stored on the substrate in the machine-readable manner.

US Pat. No. 9,230,251

CASH DEPOSIT AT POINT OF SALE USING DEPOSIT PRODUCT INVENTORY ITEM SYSTEMS AND METHODS

United Services Automobil...

1. A system for receiving cash deposits at a point of sale, comprising:
a processor;
a product inventory database;
a communication interface;
a product inventory item reader; and
a purchase instrument reader,
wherein the processor is configured to:
enroll one or more deposit products into the product inventory database by assigning one or more deposit product codes to
the one or more deposit products;

receive a product code from the product inventory item reader;
access the product inventory database to recognize the product code as one of the one or more deposit product codes;
receive signals indicating an amount of a deposit associated with the one of the one or more deposit product codes;
receive signals from the purchase instrument reader identifying an account for the deposit; and
send signals to a transaction processing network via the communication interface to thereby effect the deposit of the amount
into the account.

US Pat. No. 9,185,095

BEHAVIORAL PROFILING METHOD AND SYSTEM TO AUTHENTICATE A USER

United Services Automobil...

1. A method of user verification comprising:
observing, by a computer processor, behavioral characteristics of user interactions during a current session with a user through
one of a plurality of channels;

identifying, in real-time or near real-time, variations between the behavioral characteristics of the user interactions observed
during the current session and a behavioral profile previously developed based on prior usage patterns of the user through
the plurality of channels, wherein the behavioral profile is based on clicktrail data and authentication logs;

implementing, by the computer processor, a challenge level to proceed in the current session, the challenge level based on
the variations between the behavioral characteristics and the behavioral profile and on a risk level of requested activities
of the current session; and

when the challenge level to proceed in the current session disallows the user to continue in the current session:
analyzing, by the computer processor, behavioral biometrics of the user,
comparing, by the computer processor, the behavioral biometrics of the user with one or more previous samples of the behavioral
biometrics of the user, and

when the comparison of the behavioral biometrics of the user with the one or more previous samples of the behavioral biometrics
of the user is within a tolerance, allowing, by the computer processor, the current session to proceed without requesting
a user response or notifying the user of the challenge level.

US Pat. No. 9,172,802

SYSTEMS AND METHODS FOR REESTABLISHING TERMINATED TELEPHONE CALLS WITH AN INTERACTIVE VOICE RESPONSE (IVR) SYSTEM

United Services Automobil...

1. A system for reestablishing terminated telephone calls with an interactive voice response (IVR) system, comprising:
a database comprising call processing information indexed to a call origination identifier; and
a call processing module operable to process said call processing information to, upon reconnection, determine at least one
of i) a position of a user's previously terminated call session within a first IVR process or ii) the identity of a customer
service representative (CSR) to whom the user was communicating during the previously terminated call session, said call processing
module being further operable to use said call origination identifier to identify the user upon reconnection and to use said
call processing information to at least one of i) automatically re-establish the user's position within the IVR process or
ii) re-establish communication with the CSR;

wherein, when the CSR is unavailable upon reconnection of the terminated call, said call processing module offers the user
the option to request routing to a second IVR process; and

wherein, when the CSR is unavailable upon reconnection of the terminated call and the user has opted to request the second
IVR process, upon completion of the second IVR process, the user is rerouted to the first IVR process and the user is placed
in a next available position of a hold queue until the CSR is available.

US Pat. No. 9,152,133

SYSTEM AND METHOD FOR PROCESSING MAIL

United Services Automobil...

1. A mail processing system comprising:
a mail processing facility;
a mail processing room located in the facility;
a ventilation system coupled to the mail processing room;
an in-bound mail area located in the mail processing room including an in-bound mail area pressure zone, wherein the in-bound
mail area pressure zone is negative with respect to the positive pressure zone external to the facility;

a mail sorting area located in the mail processing room and including a mail sorting area pressure zone, wherein the mail
sorting area pressure zone is negative with respect to the inbound room pressure area, and wherein the ventilation system
includes a local ventilation system to supply air to the mail sorting area; and

a clean mail area located in the mail processing room and comprising a clean mail area pressure zone, wherein the clean mail
area pressure zone is positive with respect to the mail sorting area pressure zone, and wherein the in-bound mail area pressure
zone, the mail sorting area pressure zone, and the clean mail area pressure zone result in air within the facility or entering
the facility to flow into the mail sorting area, and wherein the ventilation system includes a global ventilation system having
a dedicated input to at least one of the in-bound mail area, the mail sorting area, and the clean mail area.

US Pat. No. 9,473,638

SYSTEMS AND METHODS FOR PROVIDING ACCESS TO AVAILABLE AGENT

United Services Automobil...

1. A method of providing communication access to an institution communication system agent, comprising:
receiving, from a user computing device to the institution system, a selection of desired characteristics of a type of institution
system agent;

receiving, from the user computing device to the institution system, a priority ordering of a portion of the desired characteristics
corresponding to a first type of institution system agent and a portion of the desired characteristics corresponding to a
second type of institution system agent;

determining, information pertaining to availability of a first number of institution system agents matching the first type
of institution system agent to communicate with the user;

determining, information pertaining to availability of a second number of institution system agents matching the second type
of institution system agent to communicate with a user; and

establishing a communication between the user and at least one institution system agent of the first type or the second type
based on the information and the priority ordering.

US Pat. No. 9,355,255

SYSTEM AND METHOD OF FACILITATING COMPLIANCE WITH INFORMATION SHARING REGULATIONS

UNITED SERVICES AUTOMOBIL...

1. A non-transitory computer-readable medium having computer-executable instructions stored thereon that are executed by a
number of processing resources to:
identify at least one primary party for sharing personal data of a data type and at least one secondary party for receiving
the shared personal data over a network, wherein the data type comprises non-public personally identifiable data;

define a sharing relationship between the at least one primary party and the at least one secondary party;
define a data sharing arrangement based upon the sharing relationship and the data type, wherein the data sharing arrangement
includes terms and conditions;

identify applicable information-sharing regulations based on the data sharing arrangement;
retrieve privacy guidelines for compliance with the applicable information-sharing regulations, wherein the privacy guidelines
are based on the data type comprising non-public personally identifiable data; and

display, to a user, at least a portion of the privacy guidelines prior to enabling the user to share the personal data with
the secondary party via the network.

US Pat. No. 9,183,554

SYSTEMS AND METHODS FOR USER AUTHENTICATION VIA MOBILE DEVICE

United Services Automobil...

1. A non-transitory computer-readable medium comprising computer-readable instructions for user authentication, said computer-readable
instructions comprising instructions executable by at least one processor to cause at least one computing device to:
receive information of a financial card of a user;
receive a request for authentication to access an account of the financial card;
in response to the request, display a plurality of images on a mobile device of the user;
receive a selection of a first image from the plurality of images from the user;
display the first image on the mobile device of the user;
receive a first gesture performed by the user over the first image;
generate a composite image by combining the first image with the first gesture;
retrieve a second composite image formed by a combination of a second gesture and a second image of the user that have been
stored at an institution system of the financial card; and

determine that the first composite image matches the second composite image; and
based on the determination, authenticate the user to access the account of the financial card.

US Pat. No. 9,064,284

SYSTEM AND METHOD OF PROVIDING A FINANCIAL INVESTMENT RECOMMENDATION USING A PORTFOLIO PLANNER

United Services Automobil...

1. A computer-implemented method for implementing an action plan for a customer investing in financial investment products,
the method comprising:
receiving, by a computer system via a network, a request from the customer for portfolio planning;
receiving, by the computer system via the network, an investment selection of the customer, wherein the investment selection
comprises:

an initial investment; and
an account type for a recommendation, wherein:
the account type specifies a retirement account or a non-retirement account;
transmitting, from the computer system to a computer device associated with the customer, an interface, wherein;
the interface is configured to request customer input whether to perform a portfolio recommendation;
receiving, at the computer system, an indication from the customer to perform the portfolio recommendation;
in response to receiving the indication from the customer to perform the portfolio recommendation, using the computer system
in order to generate a portfolio recommendation tool;

transmitting, from the computer system via the network, the portfolio recommendation tool that concurrently presents an in-house
recommended portfolio and a mixed recommended portfolio, wherein:

the recommended portfolio comprises mutual funds only housed with the financial institution providing the recommendation,
the recommended portfolio comprises product-level recommendations within a plurality of asset classes, wherein each of the
product-level recommendations are housed with the financial institution providing the recommendation,

the mixed recommended portfolio comprises at least one mutual fund housed by another financial institution,
the mixed recommended portfolio comprises product-level recommendations within the plurality of asset classes, wherein at
least one of the product-level recommendations are housed by another financial institution and at least one of the product-level
recommendations are housed by the financial institution providing the recommendation, and

the portfolio recommendation tool provides a first option to select the in-house recommended portfolio and a second option
to select the mixed recommended portfolio;

instantiating an on-line account application pre-fill component;
pre-filling, by the computer system, fund account information and amount information in a mutual fund account application
form provided by the on-line account application pre-fill component, wherein:

the fund account information details one or more assets to be used to fund purchase of the at least one mutual fund product
recommendation from the mixed recommended portfolio or in-house recommended portfolio.

US Pat. No. 9,390,421

SERVICE REPRESENTATIVE AND REMOTE LOCATION DOCUMENT COMMUNICATION

United Services Automobil...

1. A computing device for communicating a document between a remote location and a customer service representative, the computing
device comprising:
a memory; and
a processor configured to execute executable instructions stored in the memory to:
establish a communication session between a customer at a remote location and a customer service representative;
identify the remote location of the customer;
identify a device available to be utilized at the remote location;
establish control over the identified device to:
capture information from a document using a capability of the identified device;
transmit the captured information to the computing device.

US Pat. No. 9,172,805

EDGE INJECTED SPEECH IN CALL CENTERS

United Services Automobil...

1. A computer-implemented method executed by at least one processor, the method comprising:
receiving, by the at least one processor, an input from an agent, the input being received during a call with a caller and
the input directing the one or more processors to inject a recorded statement in the agent's voice into the call, the recorded
statement in the agent's voice being stored in a computer-readable file;

in response to receiving the input, obtaining, by the at least one processor and based on data associated with the input,
the recorded statement in the agent's voice; and

causing, by the at least one processor, a network edge device to insert the recorded statement in the agent's voice into a
media stream of the call.

US Pat. No. 9,118,810

SYSTEMS AND METHODS FOR VIDEOPHONE IDENTITY CLOAKING

United Services Automobil...

1. A non-transitory computer-readable storage medium having computer-executable instructions stored thereon and executable
by a processor to:
send a request from a user for videoconference with an agent;
establish the videoconference between the user and the agent; and
receive a persona video transmission, wherein a live video transmission of the agent is transformed into the persona video
transmission that provides that the agent is anonymous to the user;

wherein the persona video transmission includes a persona selected to match a language attribute of the user.

US Pat. No. 9,183,737

SMOKE DETECTOR TESTING

United Services Automobil...

1. A testing system, comprising:
a remote device; and
a testing device attachable to a detecting device and configured to be powered by the detecting device, the testing device
comprising:

a member configured to be aligned with a test button on the detecting device when the testing device is attached to the detecting
device; and

a detector operatively connected to the member and configured to detect a light signal transmitted by the remote device, and
cause, in response to detecting the light signal, the member to push the test button on the detecting device.

US Pat. No. 9,118,761

COMPUTING DEVICE ASSISTANCE FOR PHONE BASED CUSTOMER SERVICE REPRESENTATIVE INTERACTION

United Services Automobil...

1. A system for computing device assistance for phone based customer service representative interaction, comprising:
a number of customer service representative computing devices, wherein at least one of the number of customer service representative
computing devices is configured to:

control a customer's computing device such that the customer service representative can select information related to a phone
based customer service representative interaction to display on the customer's computing device; and

cause display of the selected information on a display of the customer's computing device, wherein the selected information
includes one or more icons to allow the customer to make a selection of one or more actions that can be taken during the phone
based customer service representative interaction.

US Pat. No. 9,058,512

SYSTEMS AND METHODS FOR DIGITAL SIGNATURE DETECTION

UNITED SERVICES AUTOMOBIL...

1. A processor-implemented method for detecting a signature, comprising:
a processor configured for:
accessing a check image;
sampling a plurality of areas in the check image;
dynamically setting a maximum pixel count threshold based on the sampling of the plurality of areas in the check image;
counting a number of dark pixels in a signature window of the check image to generate a signature window pixel count;
comparing the signature window pixel count to the maximum pixel count threshold; and
determining a potential signature error based on when the signature window pixel count is greater than the maximum pixel count
threshold.

US Pat. No. 9,247,391

METHOD AND SYSTEM FOR WIRELESS DEVICE COMMUNICATION

United Services Automobil...

1. A non-transitory computer-readable medium comprising instructions stored thereon, wherein the instructions cause a processor
to:
automatically notify a wireless device of availability of a wireless data communication session when the wireless device is
detected in a retail establishment;

initiate the wireless data communication session with the wireless device in the retail establishment wherein the wireless
data communication session is established between the wireless device and a transceiver device deployed within the retail
establishment;

track the wireless device in the retail establishment to obtain tracking information;
identify a movement pattern of the wireless device in the retail establishment based on the tracking information;
access a user profile associated with a user of the wireless device, the user profile including a user criterion for an item
type and a body image of the user;

provide targeted information to the wireless device regarding a plurality of items based on the identified pattern;
determine that at least one item of the plurality of items matches the user criterion; and
in response to a determination that the at least one item matches the user criterion, provide a notification including a photo
of the at least one item appearing on the body image of the user.

US Pat. No. 9,390,339

VEHICLE IDENTIFICATION NUMBER CAPTURE

UNITED SERVICES AUTOMOBIL...

1. A method comprising:
in an electronic device comprising a processor, the processor:
receiving a first image of indicia positioned behind a reflective surface;
transforming the first image into a second image by:
identifying a portion of the first image affected by glare; and
modifying a defocusing effect of the portion of the first image to reduce blur, reflection, or both, by applying an algorithm
to the first image that approximates a distance, an angle difference, or both between the indicia and the reflective surface;
and

iteratively processing the second image until an ending criteria is satisfied.

US Pat. No. 9,052,922

SYSTEMS AND METHODS FOR PROVIDING MOBILE BROWSER ACCESS TO MOBILE DEVICE FUNCTIONALITIES

United Services Automobil...

1. A method for accessing mobile device functionalities, comprising:
accessing an Application Management Software (AMS) component;
determining a non-native application associated with a functionality from a list of applications maintained by the AMS component,
wherein the non-native application includes an application not native to an operating system of a mobile device;

invoking the non-native application using a content handler application program interface (API), wherein the non-native application
can be invoked to provide the same functionality as a native application; and

executing the non-native application to perform the functionality on the mobile device using a native capability of the mobile
device.

US Pat. No. 9,444,878

SYSTEMS AND METHODS FOR DEVICE EMULATION ON MOBILE CHANNEL

United Services Automobil...

1. A method for device emulation, comprising the steps of:
providing content on a webpage of an institution's website being accessed by a user on a mobile device of the user over a
mobile channel;

receiving a phone call from the user while the content is being accessed;
determining a representative of the institution to receive the phone call from the user;
determining the type of mobile device being used;
loading on a computer device of the representative an emulator that corresponds to the type of mobile device being used; and
conducting the phone call between the representative and the user while the content is being accessed.

US Pat. No. 9,426,293

SYSTEMS AND METHODS FOR LOCATION BASED CALL ROUTING

United Services Automobil...

1. A method comprising:
receiving, by at least one entity computer, a call from a device of a user, the call comprising an input indicating a requested
service and data representing a location of the device of the user;

identifying, by a first verification module executed by at least one entity computer, the user's requested service based on
the input of the received call;

determining, by a second verification module executed by at least one entity computer, a user's approximate current location
via location-based technology based upon the location of the device of the user;

routing, by a switch of at least one entity computer, the call to a representative node of an insurance provider of the user;
generating, by at least one entity computer, a notification of the user's requested service and the user's approximate current
location to the representative node of the user's insurance provider;

determining, by a third verification module executed by at least one entity computer, an insurance coverage status of the
user's requested service, based upon one or more records of the user stored in a database of the insurance provider;

receiving, by the third verification module, from a location comparison module executed by one more host computers of the
user's insurance provider, a recommendation for a service provider that is associated with the user's approximate current
location, wherein the service provider is a preferred service provider of the user's insurance provider according to the one
or more records of the user in the database of the insurance provider;

receiving, by the third verification module, from the database of the user' insurance provider, a dataset containing data
records for one or more additional service providers, the data records of each respective additional service provider comprising
a data field containing a service of the additional service provider associated with the user request and linking the data
record to the preferred service provider; and

upon verifying, by the third verification module, that an additional service provider is associated with the user according
to the one or more records of the user:

providing, by at least one entity computer, to the device of the user, the recommendation for the preferred service provider
and an indication of an additional service available to the user from the dataset of one or more additional service providers,
wherein the additional service is covered under an insurance policy associated with the user, and wherein the additional service
is related to the user's requested service.

US Pat. No. 9,401,011

SYSTEMS AND METHODS FOR REMOVING DEFECTS FROM IMAGES

UNITED SERVICES AUTOMOBIL...

1. A computer implemented method for adaptive binarization to remove a defect from an image, the method comprising:
receiving image data;
grouping the image data into a plurality of components, wherein each of the components comprises a plurality of bit groupings;
identifying, in the plurality of components, at least a first data type and a second data type; and
processing the plurality of components to remove the at least one defect, wherein each bit group of the first data type is
compared to a first threshold value and the bit group is set to a first color value if the number exceeds the first threshold
value and the bit group is set to a second color value if the number does not exceed the first threshold value.

US Pat. No. 9,241,014

METHODS, SYSTEMS, AND COMPUTER-READABLE MEDIA FOR TRANSFERRING OR RECOVERING A COMMUNICATION BETWEEN A NUMBER OF PARTICIPANTS

United Services Automobil...

1. A computer-implemented method for conducting a communication, comprising:
determining a context associated with a communication between a first participant and a second participant while the communication
is occurring via a communication network, the second participant being located at a call center;

determining an occurrence of a power failure at the call center that results in a failure of the communication;
determining that a duration of the failure of the communication will exceed a threshold;
in response to determining that the duration of the failure of the communication will exceed the threshold, instantiating
a dormant path of the communication before the duration of the failure reaches the threshold and sending a notification of
the failure of the communication to the first participant before the duration of the failure reaches the threshold;

providing one or more options to the first participant to resume the communication, the one or more options being provided
at least partially based on a resource availability inside the communication network and a resource availability outside the
communication network;

receiving a selection of an option of the one or more options from the first participant; and
resuming the communication based, at least in part, on the selection and the context.

US Pat. No. 9,235,832

SYSTEMS AND METHODS FOR DETECTING TRANSACTIONS ORIGINATING FROM AN UNAUTHENTICATED ATM DEVICE

United Services Automobil...

1. A non-transitory computer readable medium comprising computer readable instructions when executed by a processor cause
the processor to perform a method of:
receiving input data from a user using an ATM, wherein said input data comprises a financial account identifier corresponding
to said user;

combining said financial account identifier and an identifier corresponding to the ATM being used by the user to generate
terminal authentication data; and

providing said terminal authentication data to a server terminal authentication module;
comparing said identifier with one or more known authentic ATM identifiers; and
transmitting to the ATM being used by the user at least one secret data element associated with the user of the ATM if the
identifier corresponding to the ATM being used by the user is one of the known authentic ATM identifiers, and not transmitting
to the ATM being used by the user any secret data elements if the identifier corresponding to the ATM being used by the user
is not one of the known authentic ATM identifiers.

US Pat. No. 9,177,198

SYSTEMS AND METHODS FOR ALIGNMENT OF CHECK DURING MOBILE DEPOSIT

United Services Automobil...

1. A system, comprising:
a mobile device having a camera, a display and a processor, wherein the processor is configured to:
project an alignment guide adapted to align with an instrument in the display of the mobile device, the display of the mobile
device displaying a field of view of the camera;

monitor an image of an instrument that is within the field of view;
determine whether the image aligns with the alignment guide;
automatically capture the image when the image is determined to align with the alignment guide; and
transmit the captured image from the mobile device to a server via a communication pathway between the mobile device and the
server.

US Pat. No. 9,454,521

SYSTEMS AND METHODS FOR CREATING DOCUMENTS FROM TEMPLATES

UNITED SERVICES AUTOMOBIL...

1. A method comprising:
receiving, at a merge application, a selection of a master document template specifying a plurality of slave document templates;
receiving, at the merge application, a selection of a data structure from a database, the data structure corresponding to
data;

receiving, at the merge application, a selection of an envelope template comprising an extensible markup language (XML);
employing, at the merge application, the master document template to produce an electronic set of documents, wherein at least
one document of the electronic set of documents corresponds to at least one slave document template of the plurality of slave
document templates; and

populating the at least one document of the electronic set of documents with the data,
wherein selection of the data is based on at least bookmarks,
wherein placement of the data within the at least one document is based on at least placeholders, and
wherein the at least one slave document template comprises the bookmarks and the placeholders.

US Pat. No. 9,224,136

SYSTEMS AND METHODS FOR REMOTE DEPOSIT OF CHECKS

UNITED SERVICES AUTOMOBIL...

1. A system comprising:
a processor; and
a memory storing processor-executable instructions that, when executed by the processor, cause the processor to:
receive an account identification number, check amount indication, and check image, where the check image is an image of a
check captured by a camera;

perform optical character recognition on the check image to determine a routing number for the check image;
validate the routing number for the check image; and
initiate a check deposit for the check image.

US Pat. No. 9,195,700

SYSTEMS AND METHODS FOR STORING TIME-SERIES DATA

United Services Automobil...

1. A system for merging data, the system comprising:
a non-transitory machine-readable storage memory comprising a first set of memory locations and a second set of memory locations,
the first set of memory locations of the memory storing sorted-data sequentially, the sorted-data being sorted according to
one or more object types associated with the sorted-data and then sorted according to a time period of the sorted-data was
received from one or more servers,

the second set of memory locations of the memory storing new-data received from the one or more servers and appended sequentially
to the first set of memory locations of the memory, the new-data sorted according to the time period of the new-data was received
from the one or more servers and then according to the one or more object types associated with the new-data;

an administrative computer comprising non-transitory machine-readable storage memory storing an index for the new-data, the
index referencing the new-data according to the one or more object types associated with the new-data; and

a processor configured to re-sort the new-data stored in the second set of memory locations into second sorted-data, the second
sorted-data sorted according to the one or more object types associated with the new-data and then according to the time period
when the new-data was received,

wherein the processor is further configured to merge the second sorted-data of the second set of memory locations and the
sorted-data in the first set of memory locations, thereby generating merged-data being sorted according to the time period
of the merged-data was received and then according to the one or more object types associated with the merged-data, wherein
the new-data and the sorted-data are merged when processing resources are below a threshold value, wherein the sorted-data
corresponds to at least one server performance parameter regarding performance of at least one server computer.

US Pat. No. 9,111,075

BANK SPEECH AUTHENTICATION

United Services Automobil...

1. A non-transitory computer readable medium storing thereon computer executable instructions executed to:
determine a number of inputs required for a user to access an enterprise, wherein the number of inputs required is defined
by the user to set the level of security in the enterprise using a number of flags;

receive a first input from the number of inputs from the user, wherein the first input, if successful, results in the accessing
of a profile data on the user;

receive, responsive to the first input, a second input from the number of inputs from the user, wherein the second input is
different than the first input and is used for authenticating the user and for providing the user with access to a first level
in the enterprise; and

receive, responsive to the second input, a third input from the number of inputs from the user, wherein the third input is
different than the first and second inputs and is used for providing the user with access to a second level in the enterprise
that is more restricted than the first level.

US Pat. No. 9,336,517

SYSTEMS AND METHODS FOR ALIGNMENT OF CHECK DURING MOBILE DEPOSIT

United Services Automobil...

1. A system, comprising:
a mobile device having a processor, wherein the processor is configured to:
generate an alignment guide adapted to align with an instrument, wherein the alignment guide is associated with an information
capture component, wherein the information capture component is associated with the mobile device, and wherein the mobile
device is adapted to capture information of the instrument;

monitor at least one feature of the instrument detected by the information capture component;
determine whether the at least one feature of the instrument aligns with the alignment guide;
automatically capture information of the instrument when the at least one feature aligns with the alignment guide; and
transmit the captured information from the mobile device to a server via a communication pathway between the mobile device
and the server.

US Pat. No. 9,305,155

TOGGLING BIOMETRIC AUTHENTICATION

United Services Automobil...

12. A system comprising:
a data store for storing data; and
at least one processor configured to interact with the data store, the at least one processor being further configured to
execute computer-readable instructions to perform operations comprising:

determining a first user selection of a first form of biometric authentication from a plurality of forms of biometric authentication;
providing a first interface for display on a user device, the first interface corresponding to the first form;
receiving first biometric data, the first biometric data being provided using the first interface;
determining that a number of attempts to authenticate a user of the user device based on the first biometric data is at least
a threshold number of attempts, the threshold number of attempts being at least two, and in response, determining a second
form of biometric authentication different than the first form, wherein determining the second form of biometric authentication
is based on a user selection from a suggested list of authentication forms presented on the user device, and wherein the suggested
list includes authentication forms that are appropriate for an environmental context that is determined based on a current
location of the user device;

providing a second interface for display on the user device, the second interface corresponding to the second form;
receiving second biometric data provided using the second interface; and
selectively enabling user access to data, the selectively enabling being based on the second biometric data.

US Pat. No. 9,276,927

SYSTEMS AND METHODS FOR OBSCURING ENTRY OF ELECTRONIC SECURITY TERM

United Services Automobil...

1. A non-transitory computer-readable storage medium having computer-executable instructions thereon implementing a method
performed by a security service for determining whether to grant a user access to a resource, the method comprising:
receiving from the user a security term associated with the user, the received security term being in an obscured form derived
from a revealed form of the security term according to a predefined padding scheme known to the user and to the security service;

retrieving the revealed security term for the user and the padding scheme from a record for the user;
retrieving a list of obscured security terms; that were previously employed within a predetermined time frame;
applying the retrieved padding scheme to the received obscured security term to result in a de-padded security term;
comparing the de-padded security term to the retrieved revealed security term to confirm that the de-padded security term
matches the retrieved revealed security term; and

checking whether the received obscured security term is included on the list of previously used security terms, whereby if
the received obscured security term is included on the list of previously used security terms, the security service denies
access to the resource.

US Pat. No. 9,268,548

MULTI-PLATFORM NETWORK-BASED SOFTWARE DISTRIBUTION

UNITED SERVICES AUTOMOBIL...

1. Anon-transitory computer-readable medium having instructions stored thereon executable by a processor to:
determine an operating system type for each of a plurality of remote target computing devices;
access a deploy depository containing a plurality of deploy tasks comprising at least one of an installation package, a deploy
job, and a deploy program;

provide a scheduler module to allow a user to choose a time and date for executing the deploy tasks;
search the deploy repository for execution objects to execute using a descending level of version specificity associated with
the execution objects;

execute one or more of the plurality of deploy tasks on each of the plurality of remote target computing devices using the
operating system type for each target computing device; and

generating with a mapper module a representation showing connections between the at least one of an installation package,
a deploy job and a deploy program.

US Pat. No. 9,258,286

SYSTEMS AND METHODS FOR COMMUNICATIONS CHANNEL AUTHENTICATION

United Services Automobil...

1. A communications channel authentication method, comprising:
receiving, via a first communications channel, a request from a user to access information maintained by an institution system;
successfully authenticating, via the first communications channel, the user based on a strong authentication;
initiating a session with the institution system via the first communications channel subsequent to the successful authentication
of the user, the session providing the user with access to the information maintained by the institution system via the first
communication channel;

receiving a request from the user to access the information maintained by the institution system via a second communications
channel;

determining whether the session with the institution system via the first communications channel is active or inactive;
in response to the determining that the session with the institution system via the first communications channel is active,
authenticating the user for access to the information maintained by the institution system via the second communications channel
based on the session with the institution system via the first communications channel; and

in response to the determining that the session with the institution system via the first communications channel is inactive,
authenticating the user for access to the information maintained by the institution system via the second communications channel
based on a two-factor authentication;

wherein authenticating via the first communications channel and authenticating via the second communications channel are each
performed using a same mobile user device; and

wherein the first communications channel is one of a voice channel or a data channel and the second communications channel
is other of the voice channel or the data channel.

US Pat. No. 9,203,860

DYNAMIC RISK ENGINE

United Services Automobil...

1. A method of determining whether to allow a user to engage in an activity comprising:
engaging in an initial contact with the user via a channel, wherein engaging in the initial contact with the user comprises
acquiring identifying information relating to the user that is based at least in part on the channel;

receiving, from the user, a request to engage in the activity;
determining an activity trust threshold required for the activity, wherein determining the activity trust threshold is based
on rules relating to a risk of the activity, wherein the risk of the activity is determined based at least in part on security
preferences identified by the user;

determining, based on the identifying information and a comparison of current user behavior with historical user behavior,
an initial identity trust score for the user;

comparing the initial identity trust score with the activity trust threshold to determine whether to allow the user to engage
in the activity; and

based on the comparison of the initial identity trust score with the activity trust threshold, performing one of:
allowing the user to engage in the activity,
collecting additional identifying information until a revised identity trust score meets or exceeds the activity trust threshold,
or

rejecting the request to engage in the activity,
wherein the identifying information is at least one of: a username, a password, an automatic number identification, a token,
a one-time password, a grid card code, information known to the user, a physical attribute of the user, location information,
device identification, past channel usage, language, network, an internet service provider, or information identifying a device,
wherein the device is associated with the user,

wherein the activity is performed during a session, the session being a continuous dialogue with the user, and
wherein the channel is one of: an internet portal, face-to-face contact, a mobile application, an instant messaging system,
or a voice communication.

US Pat. No. 9,092,304

SYSTEMS, METHODS, AND COMPUTER READABLE MEDIA FOR MANAGING A HOSTS FILE

United Services Automobil...

1. A non-transitory computer readable medium bearing instructions stored thereon executed by a processor to:
display a user interface comprising a list of selectable server groups broken into categories based on a respective recognizable
identifier associated with each server group, the list comprising a first recognizable identifier of a first server group
that corresponds to a first Internet Protocol (IP) address, and a second recognizable identifier of a second server group
that corresponds to a second IP address;

receive, via the user interface, a selection of the first server group;
retrieve the first IP address from hosts file manager data, and insert the first IP address in a hosts file such that a modified
hosts file is created that correlates a hostname with the first IP address; and

store the modified hosts file.

US Pat. No. 9,417,979

SYSTEMS AND METHODS FOR ENABLING FAILOVER SUPPORT WITH MULTIPLE BACKUP DATA STORAGE STRUCTURES

United Services Automobil...

1. A computer-implemented method comprising:
transmitting, by a disk of a disk array executing a storage network controller of a main storage network, a list of one or
more backup storage networks to a translator module;

receiving, by the disk array executing the storage network controller of the main storage network, a failover command from
the translator module, the failover command instructing the disk array executing the storage network controller of the main
storage network to disable writes of data from a failed server to a storage space of the disk array of the main storage network;

responsive to the disk array executing the storage network controller of the main storage network receiving from the translator
module the failover command identifying a storage space of a disk array of a backup storage network of the list of one or
more backup storage networks;

disabling, by the disk array executing the storage network controller of the main storage network, writes to a corresponding
storage space of the disk array of the main storage network; and

enabling, by the disk array executing the storage network controller of the main storage network, writes to the storage space
of the disk array of the backup storage network.

US Pat. No. 9,106,585

RECEIVING A DOCUMENT FROM A CUSTOMER

United Services Automobil...

1. A computing device for receiving a document from a customer, comprising:
a memory; and
a processor configured to execute executable instructions stored in the memory to:
receive, in a one-way inbox account associated with a number of customer service representatives, a communication from a customer,
wherein the communication includes:

a document; and
identification information associated with a particular customer service representative, wherein the identification information
comprises a name of the particular customer service representative, a routing code associated with the particular customer
service representative, or an indication of a product or service provided by the particular customer service representative;
and

transfer the communication from the one-way inbox account to an inbox associated with the particular customer service representative
based, at least partially, on the identification information,

wherein the communication is received from the customer over a first communication channel,
wherein the communication is received from the customer and transferred to the inbox associated with the particular customer
service representative while the customer and the particular customer service representative are conducting a telephone call
with each other over a second communication channel, and

wherein the one-way inbox account in configured to receive communications from customers and is not configured to send communications
to customers.

US Pat. No. 9,071,592

SYSTEMS AND METHODS FOR GENERATING SCRIPTS TO INTERACT WITH WEB SITES

United Services Automobil...

14. A method, comprising:
requesting that a user perform an interaction with a first web site particular to conducting a transaction on the first website
based on a subsequent website determining that a script to conduct the transaction is non-existent or outdated, wherein the
first web site has a visit-to-visit dynamic credential request change for a single account that includes a particular method
to tender user credentials for each dynamic change credential request when attempting to access the single account associated
with the first web site;

creating a record of the user interactions with features on the first web site, the features comprising text associated with
links on the first web site for conducting the transaction to account for a visit-to-visit dynamic credential request change
for a single account by observing the particular method to tender user credentials for each dynamic credential request when
attempting to access the single account; and

generating a new script or update an outdated script on the subsequent web site based on the record of user interactions with
features on the first web site, which is executable by a script engine to cause the script engine to tender the user credentials
for each visit-to-visit dynamic credential request to access the single account associated with the first web site and conduct
the transaction on the subsequent website.

US Pat. No. 9,065,917

SYSTEMS AND METHODS FOR PROCESSING AND ROUTING COMMUNICATIONS

United Services Automobil...

1. A non-transitory machine-readable medium for routing an inbound communication comprising instructions, which when executed
by a machine, cause the machine to execute the following software modules:
a call handling module to receive inbound communications from a user; and
a routing decision engine to select an agent to process the inbound communication using at least a present expressed need
of the user to pay a balance on a credit card and one or more determined unexpressed needs of the user, based on specific
information of the user and general demographic information, wherein demographic information includes aggregated information
of one or more groups of users which the user has contact with, wherein the aggregated information is related to the specific
information of the user and retrieved from third party data resources, and to send instructions to the call handling module
to route the inbound communication to the selected agent.

US Pat. No. 9,400,976

SYSTEMS AND METHODS FOR ONE-CLICK FINANCIALS

United Services Automobil...

1. A system for managing services provided on behalf of a user, comprising:
a storage medium, comprising:
a registry storing one or more user profiles; and
a repository storing:
user information that identifies the user, service preferences of the user, attributes of the user, or any combination thereof;
and

service provider information that identifies a service provider, attributes of the service provider, association information
between the user and the service provider, or any combination thereof; and

one or more processors configured to provide:
a user profile generator operable to receive input from a user to:
display a first user profile associated with the user via a user interface, wherein the first user profile comprises a first
subset of the user information associated with the user that is cross-referenced with a first subset of the service provider
information that is associated with a service provider account of the user;

modify the first subset of the user information, the first subset of the service provider information, or both, creating a
second subset of the user information, a second subset of the service provider information, or both; and

save the modifications to the first subset of the user information, the first subset of the service provider information,
or both as a second user profile, without modifying the first user profile, such that the first user profile remains saved
without modifications; and

a service fulfillment system, comprising the one or more processors configured to:
receive a second user profile invocation input that indicates when the second user profile should be invoked;
when the second user profile should be invoked, invoke a second provision of services defined by the modifications to the
first subset of the user information, the first subset of the service provider information, or both of the second user profile;
wherein the second provision of services are invoked in place of a first provision of services related to the first user profile;
and

when the second user profile should no longer be invoked, re-invoke the first provision of services related to the first user
profile.

US Pat. No. 9,350,868

MANAGING VOICEMAIL SYSTEMS

United Services Automobil...

1. A computer implemented method for managing a voicemail system, comprising:
receiving a call log from a voicemail box subscribed to a voicemail management system;
identifying metadata associated with the call log from the voicemail box, wherein identifying the metadata includes identifying
an amount of time taken by a user to act with respect to one or more voicemail messages on the voicemail box;

identifying one or more criteria within the metadata based on a request for a report; and
generating the report using the one or more criteria within the metadata associated with the call log from the voicemail box
to manage the voicemail system.

US Pat. No. 9,811,867

SYSTEMS AND METHODS FOR A HOME MARKET ALERT SERVICE

United Services Automobil...

1. A computer-implemented method comprising:
determining a current location of a mobile device of a buyer using a location sensor, the buyer having a buyer profile describing
a buyer characteristic and a realty criteria;

identifying a plurality of residents within a range of the current location, the plurality of residents having a plurality
of resident profiles describing resident characteristics;

identifying a correlated resident profile among the plurality of resident profiles, the correlated resident profile having
a correlated resident characteristic that correlates to the buyer characteristic associated with the buyer profile;

determining realty available proximate to a resident address associated with the correlated resident profile;
transmitting an alert to the mobile device of the buyer indicating the realty available; and
causing presentation of the alert via the mobile device of the buyer, the buyer characteristic and resident characteristics
include at least one of an environmental factor, a demographic factor, and a landlord factor, and

the realty criteria includes at least one of a property criteria, an educational criteria, a governmental criteria, or a demographic
criteria.

US Pat. No. 9,430,624

EFFICIENT LOGON

United Services Automobil...

1. A method comprising:
receiving an indication that a user device is within a detectable range of an enterprise device, wherein the indication that
the user device is within the detectable range is received using at least one of near-field communications, radio frequency
identification, or Bluetooth;

identifying a user profile associated with the user device, wherein the user profile indicates an authentication challenge
for access to one or more enterprise services using the enterprise device;

requesting authentication information based on the authentication challenge indicated in the user profile;
receiving the authentication information;
verifying the authentication information;
granting, to a user associated with the user device, the access to the one or more enterprise services when the authentication
information has been successfully verified;

receiving an indication that the user device is no longer within the detectable range of the enterprise device; and
after a period of time of receiving the indication that the user device is no longer within the detectable range of the enterprise
device, determining, based on a date, whether to lock the enterprise device or log the user off of the enterprise device.

US Pat. No. 9,311,634

SYSTEMS AND METHODS FOR AUTOMATIC BILL PAY ENROLLMENT

United Services Automobil...

1. A method of bill pay enrollment, comprising:
receiving, at a bill pay system, an image of a bill associated with a user of the bill pay system, wherein the bill is a credit
card bill;

identifying, by a processor, a payee, and a due date for the credit card bill by optically recognizing identifiers on the
credit card bill, wherein optically recognizing identifiers on the credit card bill comprises:

locating a label on the image of the bill, and
searching within a predefined area of the label on the image of the bill;
checking a user account of the user within a database of the bill pay system for a duplicate enrollment of the payee;
enrolling the payee into the bill pay system when the duplicate enrollment of the payee is not detected in the database for
the user account; and

in response to the processor identifying an interest rate of a credit card associated with the credit card bill from the image
of the bill, automatically transmitting, to the user, an offer for a credit card with a lower interest rate than the credit
card associated with the credit card bill.

US Pat. No. 9,619,838

SYSTEMS AND METHODS FOR DISPLAYING CURRENT CONSUMER CARD STATUS ON A WIRELESS DEVICE

United Services Automobil...

1. A wireless device comprising:
a display;
one or more storage devices storing instructions that are operable, when executed by the one or more computers, to cause the
wireless device to perform operations comprising:

receiving transaction information regarding a purchase and aggregated account information for a number of accounts of the
user of the wireless device;

determining account information for each of the number of accounts based on the selected transaction information and the aggregated
account information; and

updating the display with account information for the number of accounts of the consumer on the wireless device based on the
sent selected transaction information and the determined account information, the display utilizing a color-coded representation
wherein a first color is used to represent a first proximity of each of the number of accounts to a credit or balance limit
for each of the number of accounts and a second color is used to represent a second proximity of each of the number of accounts
to the credit or balance limit for each of the number of accounts, wherein the second proximity is closer to the credit or
balance limit for each of the number of accounts than the first proximity.

US Pat. No. 9,509,676

EFFICIENT STARTUP AND LOGON

United Services Automobil...

1. A computerized method comprising:
receiving, at a server communicably coupled to one or more enterprise devices, a detection of a physical presence of a user
device, wherein the physical presence of the user device is detected using at least one of: near-field communications, radio-frequency
identification, location-based technology, or Bluetooth;

in response to detecting the physical presence of the user device, initiating, from the server, startup processes on an enterprise
device of the one or more enterprise devices according to a profile associated with a user;

receiving authentication credentials at the enterprise device; and
granting, to the user, access to the enterprise device after verifying the authentication credentials, wherein the startup
processes include launching at least one application, and wherein the startup processes are initiated prior to verifying the
authentication credentials.

US Pat. No. 9,183,536

SERVICE REPRESENTATIVE AND REMOTE LOCATION DOCUMENT COMMUNICATION

United Services Automobil...

1. A computing device for communicating a document between a remote location and a service representative, comprising:
a memory; and
a processor configured to execute executable instructions stored in the memory to:
connect a communication session between a customer at a remote location and a company communication system;
determine a nature of the communication session;
direct the communication session request to a particular customer service representative based, at least in part, on the determined
nature of the communication session;

after connecting the session, identify the remote location of the customer via an electronic communication received from a
first device of the customer at the remote location, wherein information identifying the remote location is inherent in the
electronic communication received from the first device; and

establish control over at least one of the first device of the customer and a second device installed at the remote location
to:

capture information from a document using a capability of the at least one of the first device and the second device;
add routing information to the captured information, the routing information comprising at least one of identification information
of the particular customer service representative and a session identifier of the communication session; and

transmit the captured information with the routing information to the computing device.

US Pat. No. 9,531,868

METHODS AND SYSTEMS FOR AUTHENTICATING A USER ON A CALL

United Services Automobil...

1. A computer-implemented method comprising:
receiving, via a communications network, a call from a caller made via a device, wherein the device is identified by a unique
identifier;

identifying, by a processor, a user profile of a user associated with the device based on the unique identifier;
determining, by the processor, a length of time the device has been associated with the user profile;
when the device has been associated with the user profile for at least a threshold period of time:
requesting, from the caller, a user verifier associated with the user profile,
receiving, from the caller, the user verifier,
verifying an identity of the caller by comparing the user verifier received from the caller with the user verifier associated
with the user profile, and

authenticating the caller as the user after verifying that the user verifier received from the caller matches the user verifier
associated with the user profile.

US Pat. No. 9,461,897

MONITORING AND ANALYSIS OF SOCIAL NETWORK TRAFFIC

United Services Automobil...

1. A method of monitoring network traffic, the method comprising:
obtaining, by one or more processors, a list including a plurality of words, each word having at least two metrics associated
therewith, the plurality of words comprising one or more words that are each identified as a search word and a score word,
and one or more words that are each identified as a non-search word and a score word;

transmitting, by the one or more processors, respective requests to a plurality of computer-implemented social networks through
respective application program interfaces (APIs) over a network, the respective requests each only including at least one
search word in the list;

receiving, by the one or more processors, a set of messages comprising at least one message from each of the plurality of
computer-implemented social networks, each message in the set of messages comprising a message distributed through a respective
computer-implemented social network and at least one search word in the list;

scoring, by the one or more processors, each message in the set of messages based on respective two or more metrics of at
least one search word and any non-search words provided in respective messages to provide respective scores; and

providing, by one or more processors, the messages for display in a rank order by score in a user interface.

US Pat. No. 9,325,846

SYSTEMS AND METHODS FOR ROUTING CROSS-CHANNEL CALLS

United Services Automobil...

1. A method of routing a call from a client to a service representative of an organization, the method comprising:
monitoring activities of the client at a site of the organization;
upon a call from the client being received at a telephone-based system of the organization, receiving a request from the telephone-based
system for a set of information regarding the monitored activities;

removing information from the set of information when an age of the information in the set of information is greater than
a predetermined age, wherein a value of the set of information regarding the monitored activities decreases as the information
ages;

applying predicting rules to the monitored activities of the client to make a prediction regarding why the client is calling
the organization;

determining whether to use the prediction based on a confidence level associated with the prediction; and
determining telephone prompts to be presented to the client based on the monitored activities of the client at the site, wherein
the telephone prompts to be presented to the client are based on the prediction responsive to a determination that the prediction
should be used.

US Pat. No. 9,069,595

SYSTEMS AND METHODS FOR OVERSEAS DESKTOP SOFTWARE

United Services Automobil...

1. A computer system for packaging software, comprising:
a processor and memory;
a database comprising software package information indexed to a plurality of software packages;
a workflow module operable to manage a particular workflow corresponding to a particular software package of the plurality
of software packages; and

a graphical user interface (GUI) operable to receive user input and provide the user input to the database and the workflow
module;

wherein the particular software package is assigned to a predetermined virtual machine (VM), wherein execution of the particular
software package is initiated by a remote user that has access to the predetermined VM through a virtual network, and wherein
the predetermined VM has access to software package information corresponding to the particular software package but the remote
user does not.

US Pat. No. 9,691,059

SYSTEMS AND METHODS FOR TRANSACTIONS USING AN ATM/CREDIT/DEBIT CARD AND A SECOND COMMUNICATIONS CHANNEL TO AN ACCOUNT HOLDER'S BANK

United Services Automobil...

1. A non-transitory computer-readable medium comprising computer-readable instructions for completing a transaction at an
automatic teller machine that when executed perform steps, comprising:
establishing a first communication path between a card and the automatic teller machine;
establishing a second communication path between the card and a financial institution;
establishing a third communication path between the automatic teller machine and the financial institution;
authenticating a card with the automatic teller machine without a dedicated display using the first communication path;
receiving transaction information for the transaction from the automatic teller machine using the first communication path,
wherein the automatic teller machine is configured to send at least some of the transaction information to the financial institution
using the third communication path;

in response to receiving the transaction information, providing the transaction information to the financial institution via
the second communication path;

receiving an authorization code for the transaction from the financial institution via the second communication path, wherein
the authorization code enables the card to complete the transaction using the first communication path; and

in response to receiving the authorization code from the financial institution, completing the transaction at the automatic
teller machine by sending the authorization code over the first communication path after receiving the authorization code;

wherein the transaction is authorized using the second communication path between the card and a financial institution authorizes
the transaction based on a predefined authorization and the transaction is authorized using the third communication path between
the automatic teller machine and the financial institution based on an account balance.

US Pat. No. 9,503,580

COMPUTING DEVICE ASSISTANCE FOR PHONE BASED CUSTOMER SERVICE REPRESENTATIVE INTERACTION

United Services Automobil...

1. A system for computing device assistance for phone based customer service representative interaction, comprising:
a number of customer service representative computing devices, wherein at least one of the number of customer service representative
computing devices is configured to:

present information related to a phone based customer service representative interaction on a customer's computing device,
the information selected by a customer service representative; and

automatically cause the customer's computing device to display the selected information on a display of the customer's computing
device, wherein the selected information includes one or more icons to allow the customer to make a selection of one or more
actions.

US Pat. No. 9,319,420

CYBER INTELLIGENCE CLEARINGHOUSE

United Services Automobil...

1. A computer implemented method for providing a cyber intelligence clearinghouse executed by at least one processor, the
method comprising:
determining, by the at least one processor, a source fidelity score associated with a cyber-security intelligence source,
the source fidelity score being generated based on an analysis of intelligence information received from the cyber-security
intelligence source including a number of security threat events that have previously been confirmed to be associated with
actual cyber-attacks based on the intelligence information received from the cyber-security intelligence source, wherein the
source fidelity score represents a trustworthiness of the cyber-security intelligence source with regard to intelligence provided
by the cyber-security intelligence source;

determining, by the at least one processor, to block a new security threat event based on:
new intelligence information received from the cyber-security intelligence source that predicts at least how an attack of
the new security threat event may be performed based on patterns identified in the intelligence information, and

the source fidelity score of the cyber-security intelligence source; and
providing, over a network, feedback data to the cyber-security intelligence source, the feedback data comprising an indication
that at least a portion of the new security threat event was successfully blocked by a security application based on the new
intelligence information.

US Pat. No. 9,177,197

SYSTEMS AND METHODS FOR ALIGNMENT OF CHECK DURING MOBILE DEPOSIT

United Services Automobil...

1. A system for transmitting an image, comprising:
a mobile device having a camera, a display and a processor, wherein the processor is configured to:
display a field of view of the camera on the display;
generate an alignment guide associated with the field of view of the camera, the alignment guide including a shape adjustable
to align with an instrument in the field of view;

monitor at least one feature of the instrument that is within the field of view;
determine whether the at least one feature aligns with the alignment guide;
automatically capture an image when the at least one feature is determined to align with the alignment guide; and
transmit the captured image from the mobile device to a server via a communication pathway between the mobile device and the
server.

US Pat. No. 9,501,798

METHOD AND SYSTEM FOR ENABLING INTERACTIVE COMMUNICATIONS RELATED TO INSURANCE DATA

United Services Automobil...

1. A method of managing networked communications between a plurality of parties that include a first party and a second party,
the method comprising:
electronically receiving an indication of a plurality of insurance claims;
generating a plurality of claim walls including a first claim wall, each claim wall comprising a website page and each claim
wall associated with at least one of the plurality of insurance claims, the first party, and the second party;

in response to the generation of the first claim wall, generating a process map associated with the first insurance claim;
posting, on the first claim wall, the process man;
accessing a first network communication sent from the first party to the second party;
determining, based on an analysis of the first network communication, that the first network communication is associated with
the first claim wall that is selected from the plurality of claims walls;

based on the determination with regard to the first network communication, posting, on the first claim wall, a first entry
associated with the first network communication;

electronically capturing a second network communication sent to a first email address associated with the first party;
determining, based on an analysis of the second network communication, that the second network communication is associated
with the first claim wall;

subsequent to the capturing, allowing the second network communication to be sent to the first email address;
based on the determination with regard to the second network communication, posting, on the first claim wall, a second entry
associated with the second network communication;

electronically capturing a message associated with the first party;
determining, based on an analysis of the message, that the message is associated with the first claim wall; and
based on the determination with regard to the message, posting, on the first claim wall, a subsequent entry associated with
the message.

US Pat. No. 10,567,402

SYSTEMS AND METHODS OF DETECTING AND MITIGATING MALICIOUS NETWORK ACTIVITY

United Services Automobil...

1. A computer-implemented method comprising:receiving, by a computer, a set of one or more alert elements containing a customer identifier from one or more alert-generating systems configured to generate a corresponding alert element;
generating, by the computer, in an integrated alert database an integrated alert associated with the customer identifier, the integrated alert comprising one or more data fields containing data from the set of one or more alert elements associated with the customer identifier in the alert element database, wherein the integrated alert database is configured to store a plurality of integrated alerts associated with a plurality of customer identifiers;
generating, by the computer, a first learning algorithm configured to determine a risk associated with each of the set of one or more alert elements, wherein the first learning algorithm receives an input of a first learning algorithm dataset based on data associated with a set of one or more scenario attribute models, wherein each of the set of one or more scenario attribute models is associated with a different rate of fraud;
iteratively updating, by the computer, the first learning algorithm dataset based on updated data associated with the set of one or more scenario attribute models, wherein the computer periodically queries a database to receive the updated data associated with the set of one or more scenario attribute models;
executing, by the computer, the first learning algorithm on each integrated alert stored in the integrated alert database to generate a risk score for each respective integrated alert, the risk score of the integrated alert based upon the one or more data fields in the integrated alert; and
upon the computer receiving a second alert element associated with the customer identifier from an alert-generating system:
identifying, by the computer, in the integrated alert database the integrated alert associated with the customer identifier; and
updating, by the computer, the risk score for the integrated alert based upon the one or more data fields of the second alert element and the set of one or more alert elements, upon determining that the integrated alert is not marked as completed.

US Pat. No. 9,811,862

DETERMINING RISKS RELATED TO ACTIVITIES ON INSURED PROPERTIES USING INFORMATIC SENSOR DATA

United Services Automobil...

13. An improved computer system having a computer server coupled to a database via a network that stores electronic sensor
data regarding inhabitants within a dwelling captured from one or more sensor devices associated with the dwelling comprising
a motion sensor configured to capture data associated with a number of inhabitants located in the dwelling and an appliance
sensor configured to capture data associated with use of one or more appliances within the dwelling, wherein the motion sensor
comprises passive infra-red detectors configured to detect simultaneous motion patterns at various points within the dwelling
comprising a cooking activity pattern, wherein the improvement comprises analyzing the captured sensor data from the motion
sensor to determine a number of inhabitants associated with a dwelling, generating an instruction to command the appliance
sensor to capture and transmit data associated with usage of the one or more appliances within the dwelling comprising a cooking
activity pattern associated with the inhabitants, wherein the first instruction alters a frequency of reading associated with
the appliance sensor by commanding an immediate reading, and wherein the cooking pattern corresponds to a time value associated
with the one or more appliances remaining unattended, receiving the captured sensor data from the appliance sensor, and utilizing
the received captured data form the motion sensor and the appliance sensor to determine and display a usage factor associated
with the dwelling, on at least one of the appliance sensor and the motion sensor, whereby the computer system modifies at
least one dataset based on the usage value.

US Pat. No. 9,185,221

SYSTEMS AND METHODS FOR PROVIDING ACCESS TO AVAILABLE AGENT

United Services Automobil...

1. A method of providing access to a call center agent, comprising:
receiving, from a user computing device to the call center, a selection of desired characteristics of a type of call center
agent;

receiving, from the user computing device to the call center, a priority ordering of a portion of the desired characteristics
corresponding to a first type of call center agent and a portion of the desired characteristics corresponding to a second
type of call center agent;

determining, information pertaining to availability of a first number of call center agents matching the first type of call
center agent to communicate with the user;

determining, information pertaining to availability of a second number of call center agents matching the second type of call
center agent to communicate with a user; and

establishing a communication between the user and at least one call center agent of the first type or the second type based
on the information and the priority ordering.

US Pat. No. 9,562,632

FABRICATING CONDUITS

United Services Automobil...

1. A method of fabricating a conduit executed by at least one processor, the method comprising:
receiving data from a scan of a building structure, the data indicating characteristics of at least one conduit in the building
structure;

determining, by the at least one processor and based on the data, dimensions of; and
transmitting, by the at least one processor, instructions to a 3D printer to fabricate at least one new conduit in conformance
with the determined dimensions of the at least one conduit.

US Pat. No. 9,619,872

SYSTEMS AND METHODS FOR REMOVING DEFECTS FROM IMAGES

United Services Automobil...

1. A computer implemented method for adaptive binarization to remove a defect from an image, the method comprising:
receiving image data;
performing bit plane slicing on the image data to produce a plurality of bit planes;
analyzing the plurality of bit planes to identify a target bit plane;
removing recognized text from the target bit plane;
analyzing the target bit plane to determine a positional boundary for a defect in the image data; and
processing the target bit plane to remove the defect, wherein a first threshold value is used for data within the positional
boundary and a second threshold value is used for data outside the positional boundary.

US Pat. No. 9,507,612

MANAGING DEDICATED AND FLOATING POOL OF VIRTUAL MACHINES BASED ON DEMAND

United Services Automobil...

1. A computer implemented method for managing demand of a pool of virtual machines, comprising:
determining a trended demand for a pool of virtual machines using virtual machine usage data;
adjusting a threshold number of available virtual machines in the pool based on the trended demand;
determining a demand for a number of virtual machines in the pool in a current time, wherein, if the pool is a dedicated pool,
the demand is determined based on resource usage per virtual machine, and, if the pool is a floating pool, demand is determined
based on times one or more virtual machines are unassigned to users;

identifying that the demand for the number of virtual machines in the pool in the current time is outside the threshold number
of available virtual machines;

sending a request for an additional virtual machine to a user to manage demand of the pool; and
provisioning the additional virtual machine.

US Pat. No. 9,904,690

METHOD AND SYSTEM FOR DETERMINING CORRELATED GEOGRAPHIC AREAS

United Services Automobil...

1. A method of determining a geographic area having similar characteristics to a first geographic area associated with a user,
the method comprising:
providing a web-based system with a graphical user interface on a computer to receive at least one input related to a location
of interest;

upon receiving the at least one input on the graphical user interface, assigning weights to user preferences based on user-provided
information retrieved from one or more social media platforms and based on the at least one input;

receiving feature data related to the location of interest, the feature data including N features associated with the location
of interest;

transforming the N features into N feature values associated with the location of interest;
generating an M-dimensional feature vector representative of at least one other geographic area associated with the location
of interest, the M-dimensional vector comprising the N feature values and the at least one input, the N feature values and
the at least one input scaled based on the weights;

identifying with the web-based system the at least one other geographic area associated with the location of interest;
analyzing the M-dimensional vector with reference to a current feature vector to determine a difference between the M-dimensional
vector and the current feature vector, the current feature vector associated with the first geographic area;

displaying the difference between the M-dimensional vector and the current vector on the graphical user interface; and
receiving via the web-based system a supplemental input and adjusting at least one of the feature vector or the current vector
based on the supplemental input,

wherein at least one of the characteristics from the first geographic area is not based on image analysis of the first geographic
area.

US Pat. No. 9,753,958

DEVICE AGNOSTIC ACTIVE/ACTIVE DATA CENTER AFFINITY

United Services Automobil...

1. A computer-implemented method comprising:
receiving, by a computer of a first data center, a first communication associated with a first user accessing a user profile,
from a content delivery network (CDN);

identifying, by the computer, in a database table, a database designated to receive the first communication, wherein the database
designated to receive the first communication corresponds to a member identifier associated with the first user according
to the database table, wherein the database table includes member identifiers and corresponding designated databases for a
plurality of users;

assigning, by the computer, to the first communication a destination address of the database designated to receive the first
communication;

simultaneously receiving, by the computer, a second communication associated with a second user accessing the user profile,
from the CDN;

upon the computer determining that the first user and the second user are accessing the user profile:
assigning, by the computer, to the second communication the destination address of the database designated to receive the
first communication, wherein assigning the destination address includes assigning, by the computer, a cookie to a computing
device of the second user notifying the CDN of the designated database of the first communication.

US Pat. No. 9,860,369

APPLICATION TRIGGERED MEDIA CONTROL IN CALL CENTERS

United Services Automobil...

1. A computer-implemented method executed by at least one processor, the method comprising:
establishing an electronic communication between a first user using a first communication device and a second user using a
second communication device;

providing, for display to the first user, a graphical user interface including a user selectable list of symptoms related
to poor electronic communications quality;

receiving, during the electronic communication and by at least one processor of computing device associated with the first
communication device, a selection of an item from the user selectable list of symptoms from the first user, the selected item
indicating a symptom of a quality of the electronic communication between the first user, using the first communication device,
and the second user, using the second communication device;

identifying, by the at least one processor and based on the input, a cause of the quality of the electronic communication;
and

sending, during the electronic communication and by the at least one processor, instructions to remediate the cause of the
quality of the electronic communication.

US Pat. No. 9,591,136

METHODS AND SYSTEMS FOR CUSTOMIZING INTERACTIVE VOICE RESPONSE CALLS

United Services Automobil...

1. A method comprising:
interacting, via a web portal or mobile application over one or more communications networks, with a user during one or more
interactions, wherein the one or more interactions results in one or more events;

logging the one or more events in an event log associated with the user;
receiving a call from the user; and
checking, by an Interactive Voice Response (IVR) system, the event log to determine a routing for the call based on the one
or more events, wherein determining the routing comprises:

identifying events of the one or more events that indicates a subject matter of the call, wherein when at least one of the
one or more events indicates a subject matter of the call:

determining a confidence level that the call relates to the at least one of the one or more events, wherein determining the
confidence level is based on a proximity in time of the at least one of the one or more events to the call,

requesting the user to confirm that the user is calling about the at least one of the one or more events when the confidence
level meets or exceeds a threshold, and

generating a hint designed to prompt the user to state that the call relates to the at least one of the one or more events
when the confidence level is below the threshold.

US Pat. No. 9,569,756

SYSTEMS AND METHODS FOR IMAGE MONITORING OF CHECK DURING MOBILE DEPOSIT

United Services Automobil...

1. A system comprising:
an image capture device;
a memory; and
a processor in communication with the image capture device and the memory, the processor configured to:
monitor an image of a negotiable instrument in a field of view of the image capture device with respect to a monitoring criterion;
capture the image of the negotiable instrument with the image capture device when the image of the negotiable instrument passes
the monitoring criterion; and

send the captured image of the negotiable instrument for depositing the negotiable instrument to a financial institution server
through a communication pathway between the system and the financial institution server.

US Pat. No. 9,323,816

EXTRACT, TRANSFORM, AND LOAD APPLICATION COMPLEXITY MANAGEMENT FRAMEWORK

United Services Automobil...

1. A computer-implemented method of providing extract, transform, and load (ETL) application complexity management, the method
comprising:
receiving a source data asset at a data processing system, the source data set having a first data format;
transforming the source data asset to a target data asset using the data processing system, the target data set having a second
data format different than the first data format;

transmitting the target data set to a data consuming system;
receiving incident information regarding the source data asset, the incident information identifying errant data associated
with the source data asset;

producing a roll back plan to remove an effect of the errant data from the data consuming system;
executing the roll back plan; and
replacing at least a portion of data of the target data asset with corrected data.

US Pat. No. 9,159,093

METHOD AND COMPUTER READABLE MEDIUM FOR FACILITATING ASYNCHRONOUS COMMUNICATION BETWEEN A SERVER AND CLIENT COMPUTER

United Services Automobil...

1. A computer-implemented method comprising:
receiving, at a server computer, a request for information relating to a first product available for purchase by a consumer
from a consumer computer;

sending, by the server computer, a software module that is adapted for asynchronous communication with the server computer
to the consumer computer such that in response to reception of the software module by the consumer computer, the software
module adapts the consumer computer for asynchronous communication with the server computer;

sending, by the server computer, the requested information to the software module at the consumer computer, wherein the information
includes a first description of the first product and instructions for rendering the first description on a display of the
consumer computer;

detecting, by the server computer, a predetermined limit of unrequested information to send to the software module at the
consumer computer and sending no more than the predetermined limit of the unrequested information to the software module at
the consumer computer, wherein the unrequested information includes a second description of a second product and instructions
for rendering the second description on the display of the consumer computer;

displaying a user interface on the consumer computer, the user interface configured to display at least a response to a request
to interact with the requested information;

receiving, via the user interface, a request to interact with the requested information and allowing a limited amount of consumer
interaction with the requested information;

detecting, by the software module, a consumer action with respect to the requested information including a selection of a
subset of the requested information; and

determining, by the software module, whether communication with the server computer is required to respond to the consumer
action;

responsive to a determination that communication is not required:
causing presentation, by the software module via the user interface without communicating with the server computer, a response
to the consumer action including the selected subset of the requested information such that the software module enables further
interaction with the selected subset via the user interface without communicating with the server computer.

US Pat. No. 9,742,756

SYSTEMS AND METHODS FOR COMMUNICATIONS CHANNEL AUTHENTICATION

United Services Automobil...

1. A communications channel authentication method comprising:
authenticating a user using a first communication channel;
in response to authenticating the user, establishing a session with a system via the first communication channel with the
user;

receiving a request from the user via a second communications channel;
determining whether the session with the system via the first communications channel is active or inactive;
in response to the determining that the session with the system via the first communications channel is active, authenticating
the user for access to the system via a second communications channel based on the session with the system via the first communications
channel and a single factor authentication; and

in response to the determining that the session with the system via the first communications channel is inactive, authenticating
the user for access to the system via the second communications channel using two or more authentication factors to establish
user identity;

wherein authenticating via the first communications channel and authenticating via the second communications channel are each
performed using a user device; and

wherein the first communications channel is one of a voice channel or a data channel and the second communications channel
is other of the voice channel or the data channel.

US Pat. No. 9,159,101

IMAGE PROCESSING

United Services Automobil...

1. An image processing system comprising:
a memory;
a processor in communication with said memory, and configured to:
receive, via a network from a depositor-controlled computing device, a file comprising an image of a negotiable instrument
and an indication of where, in the image, an edge of the negotiable instrument is located, the indication being superimposed
on the image of the negotiable instrument and being a representation of input via the depositor-controlled computing device;
and

determine which portion of the image to present for processing based on the indication.

US Pat. No. 9,652,275

SYSTEMS AND METHODS FOR JAVA VIRTUAL MACHINE MANAGEMENT

United Services Automobil...

1. A computer-implemented method for managing virtual machines, the method comprising:
receiving, by a computer, a request to perform an action associated with a target virtual machine hosted on a server;
querying, by the computer, a machine-readable computer file comprising a dependency map associated with the target virtual
machine, the dependency map indicating a set of one or more virtual machines comprising at least one dependent resource that
is dependent on at least one resource of the target virtual machine, wherein the dependency map comprises a block list indicating
to the computer each of the one or more virtual machines in the set of one or more virtual machines being prohibited from
receiving a request to perform a second action from a user device based upon a dependent resource of each respective virtual
machine;

storing, by the computer, into an action queue the request to perform the second action for each of the one or more virtual
machines in the set of one or more virtual machines prohibited from receiving the request according to the block list of the
dependency map;

issuing, by the computer, a command to perform the action to the one or more virtual machines in the set in a sequential ordering
based on a query of the dependency map associated with the target virtual machine, the sequential ordering determined according
to a relationship of the dependent resource of the respective virtual machine with a resource of the target virtual machine;
and

in response to the target virtual machine performing the action:
issuing, by the computer, the request to perform the second action stored in the action queue to each of the one or more virtual
machines in the block list of the dependency map.

US Pat. No. 9,591,481

AUTHENTICATION AND SECURITY FEATURES FOR A MOBILE APPLICATION

United Services Automobil...

1. A method performed by at least one processor of a mobile computing device for managing access to an application executed
by the mobile computing device, method comprising:
receiving, by the at least one processor of the mobile computing device, a request from a user to return to the application
and resume at least one task using a previous screen of the application on the mobile computing device;

determining, by the at least one processor of the mobile computing device, whether the previous screen of the application
is in a secured area of the application, and whether, based on at least one task performed by the user in the secured area
of the application, authentication of the user is required to return to the previous screen of the application; and

initiating, by the at least one processor of the mobile computing device, a middle tier authentication protocol executed by
the application, based on the at least one task, to return to the application when the previous screen is in the secured area
of the application and when authentication of the user is required to return to the previous screen, the middle tier authentication
protocol being less rigorous than an initial authentication protocol executed by the application to initially authenticate
the user to the application;

wherein the at least one task is associated with a time delay from a time point of an application abandonment to a time point
of receiving the request; and

allowing the user to resume the at least one task at the previous screen of the application without initiating the middle
tier authentication protocol when it is determined that the time delay is less than the predetermined time duration.

US Pat. No. 10,089,209

SYSTEMS AND METHODS FOR LOCALLY STREAMING APPLICATIONS IN A COMPUTING SYSTEM

United Services Automobil...

1. A system, comprising:a storage component configured to store data;
a processor configured to:
install an application using a portion of the storage component;
partition the portion of the storage component from a remaining portion of the storage component;
execute the application via the portion of the storage component;
receive a request to return to a previous state of the system;
disable the portion of the storage component; and
swap the portion of the storage component with another portion from the remaining portion of the storage component in response to the request, wherein the other portion is part of a hidden portion of the storage component, wherein the hidden portion is configured to be not viewable as part of the storage component by a user, and wherein swapping the portion with the other portion comprises disabling the application in the portion of the storage component by moving portion of the storage component into the hidden portion of the storage component while maintaing the ability to re-activate the application.

US Pat. No. 9,846,911

SYSTEMS AND METHODS FOR CLAIMS PROCESSING VIA MOBILE DEVICE

United Services Automobil...

1. A system, comprising:
a processor; and
memory coupled to the processor, the memory storing instructions that cause the processor executing the instructions to effectuate
operations comprising:

receiving a wireless communication comprising a unique identifier of a mobile device;
retrieving user and policy information based on the unique identifier;
confirming an identity of a user of the mobile device based on the user and policy information; and
generating an incident report comprising a location of the mobile device and incident information, wherein the incident information
is received via a communication protocol and comprises:

a video image relating to a vehicle from the mobile device;
if the communication protocol comprises cellular:
identifying a network cell in communication with the mobile device,
determining a location of the network cell, based on the location of the network cell,
determining a coverage area of the network cell, and associating the coverage area of the network cell with the location of
the mobile device; and

if the communication protocol comprises Wi-Fi:
determining a beacon of a Wi-Fi access point in communication with the mobile device,
based on the beacon, determining a location of the Wi-Fi access point,
based on the location of the Wi-Fi access point, determining a coverage area of the Wi-Fi access point, and associating the
coverage area of the Wi-Fi access point with the location of the mobile device; and

determining that the incident information is being received live from the mobile device;
determining that a provider of the live incident information is the user;
responsive to determining that the incident information is being received live from the user, establishing a dialog with the
user to update the incident report;

receiving a request for an incident response service; and
based on the policy information, dispatching a rental vehicle to the location of the mobile device in response to the request.

US Pat. No. 9,754,324

METHODS AND SYSTEMS FOR ASSESSING COMPARATIVE NEGLIGENCE

UNITED SERVICES AUTOMOBIL...

1. A computer-implemented method comprising:
receiving, by a processor of a comparative negligence assessment system, information relating to a collision involving two
or more vehicles, wherein the information includes a type of accident;

receiving, from a claims adjustor into the comparative negligence assessment system, an initial negligence allocation between
an insured vehicle and a claimant vehicle;

dynamically generating, by the processor of the comparative negligence assessment system, questions based on the information
relating to the collision, the initial negligence allocation and a skill level of the claims adjustor, the dynamically generated
questions being displayed on a computing device associated with the claims adjustor in response to receiving the information
relating to the collision and the initial negligence allocation,

wherein the questions are used by the claims adjustor to reevaluate the initial negligence allocation; and
receiving, from the claims adjustor through the comparative negligence assessment system, a finalized negligence allocation
between the insured vehicle and the claimant vehicle.

US Pat. No. 9,716,794

SYSTEMS AND METHODS FOR STATE INFORMATION EXCHANGE

United Services Automobil...

1. A computer-implemented method comprising:
initiating, by a computer coupled to a presence detection module and an advertisement engine, a call session for a call from
a user to a call center, the call center including a plurality of selectable agents, upon detecting the call from the user;

identifying, by a voice recognition module coupled to the computer, the user based upon a user voice-based interaction;
wherein the user and a client device of the user are associated with the call session;
automatically identifying, by the presence detection module coupled to the computer, an on-line status of the user and one
or more webpages currently or previously accessed by a browser application of the client device associated with the user and
associated with the call session, upon the call center receiving the call from the user;

selecting, by the advertisement engine coupled to the computer, from an advertisement database storing one or more advertisements,
a targeted advertisement based upon the one or more webpages currently or previously accessed by the browser; and

presenting, by the computer, a message containing the selected targeted advertisement to the client device of the user during
an idle period of the call session, wherein the message containing the targeted advertisement is in a format of at least one
of an audio file and an image file;

forwarding, by a customer service representative module coupled to the computer, the call to the at least one of the plurality
of selectable agents;

notifying, by the presence detection module coupled to the computer, at least one of the plurality of selectable agents of
the on-line status of the user, and providing to the at least one of the plurality of selectable agents a pointer to a webpage
currently or previously accessed by the user.

US Pat. No. 9,135,611

ADVANCED SYSTEMS AND METHODS FOR GEOGRAPHICAL CARD

United Services Automobil...

1. A system for managing transactions, comprising:
a storage medium comprising a repository of cardholder account data, budget category data, and disallowed purchase item data
parameters; and

processing logic operable to:
receive purchase item data corresponding to a purchase transaction generated using a card corresponding to a financial account,
the card belonging to a cardholder;

process said purchase item data to parse said purchase item data to generate allowed purchase item data corresponding to allowed
purchase items and disallowed purchase item data corresponding to disallowed purchase items;

transmit a notification of an attempted purchase of the disallowed purchase items to an accountholder of the card, wherein
the accountholder is different from the cardholder of the card;

send, to a mobile device associated with the accountholder, a request for permission for a one-time modification to modify
the disallowed purchase item data parameters associated with the disallowed purchase items to allow the disallowed purchase
items to be processed as the allowed purchase items;

receive, from the mobile device of the accountholder, the permission for the one-time modification;
modify the disallowed purchase item data parameters to allow the disallowed purchase items to be processed as the allowed
purchase items;

process said parsed allowed purchase item data to generate payment request data corresponding to said allowed purchase items;
and

transmit said payment request data to a financial institution associated with said financial account.

US Pat. No. 9,912,811

EDGE INJECTED SPEECH IN ELECTRONIC COMMUNICATIONS

United Services Automobil...

1. A computer-implemented method executed by at least one processor, the method comprising:
providing, for display to a user of a first communication device, a user interface including a menu of pre-recorded statements
in the user's voice;

receiving, by the at least one processor, an input from the user of the first communication device, the input being received
during an electronic communication with a second communication device and the input directing the one or more processors to
inject a selected one of the pre-recorded statement in the user's voice into an electronic media stream, wherein data associated
with the input includes data identifying the user;

in response to receiving the input, identifying, by the at least one processor and based on the data associated with the input,
the selected pre-recorded statement in the user's voice from among a plurality of pre-recorded statements recorded in voices
of users other than the user's; and

inserting, by the at least one processor, the pre-recorded statement in the user's voice into the electronic media stream.

US Pat. No. 9,716,709

SYSTEMS AND METHODS FOR MANAGING CERTIFICATES

United Services Automobil...

1. A certificate management system comprising:
a computer network system of a plurality of servers that communicate with one another using a security certificate from a
plurality of security certificates to authenticate a user's identity;

a certificate management database storing information relating to the plurality of security certificates including at least
one of a certificate identification, a certificate identification location, a certificate installation location, a certificate
storage location, a certificate type, a copy of the certificate, a certificate authorization entity, a certificate request
date, a certificate requestor, and a certificate status and the certificate management database is configured to: (a) send
a first audit request to a first external security certificate authorization entity relating to a first security certificate
from the plurality of security certificates; (b) receive a first response to the first audit request; (c) send a second audit
request to a second external security certificate authorization entity different from the first external security certificate
authorization entity relating to a second security certificate from the plurality of security certificates; (d) receive a
second response to the second audit request; (e) store the first response and the second response in a data store at the certificate
management database; (f) analyze at least one of the first response or the second response to determine a security certificate
expiration date; (g) determine whether the security certificate expiration date is within a threshold time range; (h) raise
an alert when the certificate expiration date is within the threshold time range; (i) determine whether automatic security
certificate renewal is authorized; and (j) when it is determined automatic certificate renewal is authorized for the first
security certificate or the second security certificate, automatically renew the first security certificate or the second
security certificate; and

a client computer in communication with the certificate management database and having a graphical user interface to display
a network topology of the plurality of servers with a graphical representation of one server from the plurality of servers
bearing an indication of a status of a certificate for the one server.

US Pat. No. 9,984,224

EFFICIENT STARTUP AND LOGON

UNITED SERVICES AUTOMOBIL...

1. A computerized method comprising:receiving, at an enterprise device communicably coupled to a server, a command from the server to initiate startup processes on the enterprise device,
wherein the command is sent in response to detecting a physical presence of a device associated with a user, wherein the physical presence of the device is detected using at least one of: near-field communications, radio-frequency identification, location-based technology, or Bluetooth;
in response to receiving the command to initiate the startup processes, launching at least one application;
receiving, at the enterprise device, authentication credentials; and
providing, to the user, access to the enterprise device upon verification of the authentication credentials,
wherein the startup processes are initiated prior to the verification of the authentication credentials.

US Pat. No. 9,619,633

SYSTEMS AND METHODS FOR UPGRADING AUTHENTICATION SYSTEMS

United Services Automobil...

1. A method comprising:
receiving, at an authentication engine, biometric information in connection with an authentication request from a user;
authenticating, by a first authentication system, the user by comparing characteristics generated from the biometric information
received in connection with the authentication request with characteristics generated from previously collected biometric
information, the characteristics generated from the previously collected biometric information collected during a first enrollment
process generated using the first authentication system,

wherein the first authentication system uses a first biometric algorithm to generate the characteristics of the biometric
information received in connection with the authentication request; and

upgrading the first authentication system to a second authentication system by automatically enrolling the user into the second
authentication system using the biometric information received in connection with the authentication request, wherein automatically
enrolling the user into the second authentication system includes deriving characteristics of the biometric information received
in connection with the authentication request using the second authentication system,

wherein the second authentication system uses a second biometric algorithm to derive characteristics of the biometric information
received in connection with the authentication request,

wherein the first biometric algorithm and the second biometric algorithm are incompatible,
wherein the user is enrolled without requesting additional enrollment information from the user, and
wherein the biometric information received in connection with the authentication request is stored until the characteristics
of the biometric information are derived using the second authentication system.

US Pat. No. 9,344,565

SYSTEMS AND METHODS OF INTERACTIVE VOICE RESPONSE SPEED CONTROL

United Services Automobil...

1. A method of controlling playback speed of messages on an institution's interactive voice response (IVR) system, comprising
the steps of:
retrieving by a computing device data associated with a user from a storage, the data including at least one speed control
instruction having a speed preference previously received from the user during at least one previous user contact with the
IVR system;

playing by the computing device at least one pre-recorded message utilizing the institution's IVR system, to the user over
a network at the speed preference previously selected by the user during the at least one previous user contact with the IVR
system;

receiving by the computing device a speed control instruction from the user over the network via a communications device associated
with the user;

adjusting by the computing device the playing speed of the at least one pre-recorded message in accordance with the received
speed control instruction; and

playing by the computing device the pre-recorded message to the user in response to the received speed control instruction
and the at least one previously received speed control instruction.

US Pat. No. 10,134,042

AUTOMATED VEHICLE OWNERSHIP SUPPORT

United Services Automobil...

1. A computer system for processing vehicle ownership support data, the computer system comprising:an infrastructure platform comprising a plurality of hardware and software components, infrastructure services, Application Program Interfaces (APIs), and Software Development Kits (SDKs) adapted to communicate in a communication network, the communication network comprising a plurality of web services for interacting with a plurality of vendors, wherein the plurality of vendors includes at least one fuel dispensing apparatus;
a memory configured to store one or more processes;
a processor adapted to execute the one or more processes using the infrastructure platform, the processor when executing the one or more processes, is operable to:
receive telematics data regarding at least one vehicle from at least one of a vehicle device and a cloud-based telematics platform associated with the vehicle wherein the telematics data includes at least one of vehicle identification data, driving performance data, vehicle operation data and vehicle sensor data;
identify one or more vehicle ownership support services associated with the at least one vehicle, wherein the one or more vehicle ownership support services include fuel dispensing services, and wherein the one or more vehicle ownership support services are accessible using a mobile application at a mobile device associated with the vehicle or a vehicle driver via the infrastructure platform;
analyze the telematics data associated with the one or more vehicle ownership support services;
determine a low fuel condition below a predetermined threshold based on analysis of the telematics data;
determine a location of the vehicle based on at least one of the telematics data and a location of the mobile device associated with the vehicle;
in response to determining the low fuel condition, identify one or more fuel dispensing stations in proximity to the location of the vehicle;
provide information related to the one or more fuel dispensing stations to the mobile application;
determine that the vehicle is within a predetermined distance of one of the one or more fuel dispensing stations;
in response to determining that the vehicle is within the predetermined distance of one of the one or more fuel dispensing stations, determine a scope of fueling permissions associated with the vehicle identification data at the one of the one or more fuel dispensing stations; and
automatically initiate a fueling session at the one of the one or more fuel dispensing stations contingent upon the scope of fueling permission.

US Pat. No. 9,792,145

MANAGING DEDICATED AND FLOATING POOL OF VIRTUAL MACHINES BASED ON DEMAND

United Services Automobil...

1. A computer-implemented method for managing demand of a pool of virtual machines, the method comprising:
determining a demand for a number of virtual machines in a pool of virtual machines, wherein, for a pool that is managed as
a dedicated pool, the demand is determined based on resource usage per virtual machine in the pool, and, for a pool that is
managed as a floating pool, the demand is determined based on times that one or more virtual machines in the pool are unassigned
to users of the pool;

identifying that the determined demand is outside a threshold number of available virtual machines in the pool;
sending a request for an additional virtual machine to a managing user to manage demand of the pool; and
provisioning the additional virtual machine to the pool.

US Pat. No. 9,863,392

SYSTEMS AND METHODS FOR PROVIDING DRIVING INSURANCE FOR AN INDIVIDUAL DRIVER

United Services Automobil...

16. A method comprising:
electronically generating, by a computing device, an insurance policy for a vehicle;
transmitting, wirelessly, the insurance policy;
receiving, wirelessly, an executed insurance policy;
receiving an identifier of the vehicle;
accessing the executed insurance policy based on the identifier of the vehicle;
determining the vehicle be insured for operation or to be not insured for operation, based on the executed insurance policy
and the identifier of the vehicle; and if the vehicle is determined to be insured to for operation, sending a signal configured
to enable the vehicle to start.

US Pat. No. 9,813,558

SYSTEMS AND METHODS RELATING TO CALLER-CENTRIC CALL DATA

United Services Automobil...

1. A computer-implemented method comprising:
determining, by a computer, a request associated with a member call based on one or more inputs received by the computer during
the member call;

responsive to the determining the request, obtaining, by the computer, a plurality of performance scores for a plurality of
representatives associated with the request, each of the plurality of performance scores based upon a length of a call segment
and a customer satisfaction rating for the call segment, wherein the call segment is associated with one of the plurality
of representatives;

based on the plurality of performance scores, determining, by the computer, a one of the plurality of performance scores satisfying
a threshold value and a representative of the plurality of representatives associated with the one of the plurality of performance
scores; and

responsive to the determining the one of the plurality of performance scores and the representative, routing, by the computer,
the member call to a terminal of the representative.

US Pat. No. 9,626,662

SYSTEMS AND METHODS FOR ALIGNMENT OF CHECK DURING MOBILE DEPOSIT

United Services Automobil...

1. A non-transitory computer-readable medium comprising computer-readable instructions for transmitting information of a document,
said computer-readable instructions being executable by a processor to:
receive a request for access to an account from a mobile device;
receive an image from the mobile device, wherein at least one feature of the document has been aligned with an alignment guide;
crop the image around the alignment guide;
detect an edge of the document after the image has been cropped;
adjust funds of the account using the cropped image and detected edge of the document.

US Pat. No. 9,553,978

APPLICATION TRIGGERED MEDIA CONTROL IN CALL CENTERS

United Services Automobil...

1. A computer-implemented method executed by at least one processor, the method comprising:
establishing an electronic communication between a user at a call center using a first communication device and a caller using
a second communication device;

receiving, during the electronic communication and by at least one processor of a call center computing device, an input from
the call center user, the input indicating a symptom of a quality of the electronic communication between the user, using
the first communication device, and the caller, using the second communication device;

identifying, by the at least one processor and based on the input, a cause of the quality of the electronic communication
and that the cause of the quality of the electronic communication is associated with the second communication device used
by the caller; and

sending, during the electronic communication and by the at least one processor, instructions to the second communication device,
wherein the instructions, when executed by the second communication device, cause the second communication device to automatically
adjust a function or setting of the second communication device.

US Pat. No. 9,544,652

SYSTEMS AND METHODS FOR PROVIDING SELF-SERVICES OVER TELEVISION

United Services Automobil...

1. A method of providing televised financial services, comprising:
receiving, using a processor, a request from a user for financial services content;
generating, using the processor, financial services content personalized with user information;
determining, using the processor, whether the financial services content is suitable for television delivery;
determining, using the processor, whether a television associated with the user is capable of interacting with the processor;
and

televising, using the processor, the financial services content on a television channel of the television when the financial
services content is suitable for television delivery and the television associated with the user is capable of interacting
with the processor.

US Pat. No. 10,117,097

SHORT-RANGE CROSS-DEVICE AUTHORIZATION

United Services Automobil...

1. A computer-implemented method performed by a first computing device, the method comprising:receiving, by the first computing device, one or more identification (ID) signals transmitted from one or more second computing devices over a wireless network, each of the one or more ID signals identifying a respective second computing device that is authorized to access a remote service;
presenting, by the first computing device, a user interface (UI) that identifies the one or more second computing devices transmitting the one or more ID signals;
receiving, by the first computing device, a selection of a second computing device through the UI and, in response to the selection, transmitting a request for an authorization token, the request transmitted from the first computing device to the second computing device over the wireless network;
receiving, by the first computing device, the authorization token that is sent to the first computing device in response to a confirmation, provided through a second UI executing on the second computing device, that the first computing device is to be granted authorization to access the remote service; and
transmitting, by the first computing device, the authorization token to the remote service to indicate that the first computing device is authorized to access the remote service.

US Pat. No. 9,818,153

SYSTEMS AND METHODS FOR TAGGING REAL-TIME FINANCIAL TRANSACTIONS

United Services Automobil...

1. A non-transitory computer-usable medium embodying computer program code, the computer program code comprising computer
executable instructions, that when executed cause one or more computer processors to:
receive, over a computer network, purchase item data associated with a purchase item transaction, the purchase item data comprising
a unique item identifier and a corresponding item amount from a user interface of a budget management system implemented with
a point-of-sale terminal;

determine an identity of a user associated with an origination of the purchase item transaction;
process the purchase item data to parse the unique item identifier and the item amount;
determine a manufacture item identifier based on the unique item identifier;
associate the purchase item data with a budget category identifier based on the manufacture item identifier, the budget category
identifier being associated with the identity of the user;

associate the item amount with a budget category allowance amount corresponding to the budget category identifier;
generate a budget category expenditure amount corresponding to the budget category identifier based on the item amount associated
with the budget category allowance amount;

compare the budget category expenditure amount to the budget category allowance amount to generate a budget category variance
amount; and

display, on the user interface of the budget management system, to the user the budget category allowance amount, the budget
category expenditure amount, and the budget category variance amount;

wherein the budget category identifier includes a description associated with a budget category.

US Pat. No. 9,749,463

METHODS AND SYSTEMS FOR MULTIPLE CHANNEL AUTHENTICATION

United Services Automobil...

1. A method comprising:
receiving a voice and data call to an organization, the voice and data call initiated from within an application installed
on a device associated with a user, the application allowing the user to engage in activities through the application after
receiving authentication information,

wherein initiating the voice and data call includes transferring the authentication information in connection with the voice
and data call to allow pass-through authentication to a representative of the organization, wherein the authentication information
provides a level of authentication for the user;

acquiring, in connection with the voice and data call, data related to existing or prior activities on the device;
determining whether the data related to the existing or prior activities on the device is sufficient to determine a routing
for the voice and data call;

routing the voice and data call to an interactive voice response system when the data related to the existing or prior activities
on the device is insufficient to determine a routing for the voice and data call; and

routing the voice and data call to the representative based at least in part on the data related to the existing or prior
activities on the device and causing the level of authentication to be indicated on a screen of the representative when the
data related to the existing or prior activities on the device is sufficient to determine a routing for the voice and data
call,

wherein the data related to the existing or prior activities on the device is sufficient to determine the routing for the
voice and data call when the voice and data call is initiated from a specific tab within the application, wherein the voice
and data call is routed to the representative specializing in a subject matter associated with the specific tab.

US Pat. No. 9,774,509

PERFORMANCE TUNING OF IT SERVICES

United Services Automobil...

1. A device for mapping a performance of a system of servers of an information technology (IT) service, the device comprising:
a processor; and
a memory coupled with the processor, the memory comprising executable instructions that when executed by the processor cause
the processor to effectuate operations comprising:

generating a performance curve for the IT service, the performance curve based on:
a first factor associated with a number of resources that are shared by a number of other resources IT services,
a second factor associated with a number of resources that affect a rate at which a throughput of the IT service changes when
a number of other resources remain unchanged, and

a third factor associated with a number of resources of the IT service that are fixed as a result of a configuration of the
IT service,

wherein the performance curve displays minimum and maximum performance boundaries for the IT service; and
tuning the system of servers based on the performance curve.

US Pat. No. 9,710,858

INSURANCE POLICY ALTERATIONS USING INFORMATIC SENSOR DATA

United Services Automobil...

1. A computer system for processing building conditions data, comprising:
a memory configured to store instructions;
a processor disposed in communication with the memory, wherein the processor upon execution of the instructions is configured
to:

receive building conditions data from a plurality of building condition sensor devices associated with a building, wherein
the plurality of building condition sensor devices comprises a structural sensor configured to collect data associated with
the building's structural elements;

upon the receiving building conditions data from the structural sensor, determining a susceptibility value indicative of susceptibility
of the building to incur damage;

upon the susceptibility value satisfying a threshold, generate an instruction configured to receive building conditions data
associated with the building's structural movement; and

transmit the instruction to a motion sensor, wherein the motion sensor is configured to collect data associated with the building's
structural movement within a field of vision.

US Pat. No. 9,513,890

METHOD AND SYSTEM FOR INSTALLING SOFTWARE

United Services Automobil...

1. A method of distributing multiple instances of a software application over a network the method comprising:
providing, by a server, an installation template of a software application, said installation template comprising configuration
directories and configuration files for said software application;

providing, by the server, instructions to replace a specific reference to the template server in said configuration directories
and configuration files with a generic reference;

transferring, by said server, said installation template to a computing system over a network;
providing, by the server, instructions for retrieving said configuration directories and said configuration files from said
installation template; and

providing, by the server, instructions for inserting specific references to said computing system into said configuration
directories and said configuration files as required by said software application.

US Pat. No. 9,501,663

SYSTEMS AND METHODS FOR VIDEOPHONE IDENTITY CLOAKING

United Services Automobil...

1. A non-transitory computer-readable storage medium having computer-executable instructions stored thereon and executable
by a processor to:
send a request from a first participant for a videoconference with at least one second participant;
establish the videoconference between the first and second participants; and
receive at least one persona video transmission, wherein a live video transmission of at least one of the first or second
participant is transformed into the persona video transmission that provides that the one of the first or second participant
is anonymous to the other of the first or second participant;

wherein the persona video transmission includes a persona selected to match a human language attribute of the other of the
first or second participant.

US Pat. No. 9,286,514

CHARACTER COUNT DETERMINATION FOR A DIGITAL IMAGE

United Services Automobil...

1. A method comprising:
in an electronic device comprising a memory for holding document image data and processor in communication with the memory,
the processor:

receiving a financial document image;
identifying a text chunk in the financial document image by:
determining a first pixel of the financial document image as top left pixel of the text chunk based on a top left score of
the first pixel; and

determining a second pixel of the financial document image as top right pixel of the text chunk based on a top right score
of the second pixel; and

determining a character count for the text chunk without recognizing any particular character in the text chunk.

US Pat. No. 10,567,417

SYSTEMS AND METHODS FOR ADAPTIVE SECURITY PROTOCOLS IN A MANAGED SYSTEM

United Services Automobil...

1. A computer-implemented method comprising:receiving, by a computer, a set of data records, each data record comprising a variance value and a priority value for an electronic device, where the variance value is determined in accordance with a pre-determined enterprise software standard and the priority value is indicative of a security risk to the electronic device based on configured logic of the electronic device;
generating, by the computer in an issue database, a set of issue data records by applying a normalization protocol to each data record, each issue data record comprising an updated priority value and an updated variance value for each data record, wherein the updated priority value is indicative of a security risk to the computer determined based on policies of the computer;
transmitting, by the computer, at least a subset of the set of issue data records in accordance with at least one of the updated priority value and the updated variance value to one or more mitigation servers;
monitoring, by the computer, the one or more mitigation servers where the computer determines whether the one or more mitigation servers mitigate the security risk to the computer by updating a software configuration on the electronic device; and
when at least one mitigation server updates the software configuration on the electronic device in accordance with the updated priority value or updated variance value of at least one issue data record within the subset of the set of issue data records:
updating a status field of that issue data record to a status indicating a satisfied issue data record, whereby that issue data record is no longer within the subset of the set of issue data records.

US Pat. No. 10,013,605

DIGITAL CAMERA PROCESSING SYSTEM

United Services Automobil...

1. An image capture and processing system for use with a digital camera, the image capture and processing system comprising:a portable device comprising a general purpose computer including a processor coupled to a memory, the memory storing:
camera software comprising instructions that, when executed by the processor, control the digital camera;
a downloaded software component configured to control the camera software and to manage capturing electronic images, the software component comprising instructions that, when executed by the processor, cause the portable device to perform operations including:
instructing a user of the portable device to place a check in front of the digital camera and have the digital camera capture electronic images of front and back sides of the check;
displaying an instruction on a display of the portable device to assist the user in having the digital camera capture the electronic images of the check;
assisting the user as to an orientation for capturing the electronic images of the check;
presenting the electronic images of the check to the user after the digital camera captures the electronic images;
transmitting, using a wireless network, a copy of the electronic images over a public electronic communications network from the portable device, wherein the transmitted copy of the electronic images is a modified version of the electronic images captured with the digital camera, the modified version having a different electronic format than the images captured with the digital camera; and
submitting the check for deposit after the system authenticates the user and after presenting the electronic images of the check to the user;
a plurality of processors coupled to a plurality of memory devices storing instructions that, when each instruction of the instructions is executed by a processor of the plurality of processors coupled to a memory device of the plurality of memory devices storing that instruction, cause the system to perform additional operations including:
confirming that the deposit can go forward after performing an optical character recognition on the check, the optical character recognition including determining an amount of the check, comparing the determined amount to an amount entered by the user into the portable device, and reading a MICR line of the check;
initiating the deposit after the confirming; and
generating a log file for the deposit, the log file including a bi-tonal image of the check; and
another computer, remote from the portable device, comprising a processor coupled to a memory storing instructions that, when executed by the processor, cause the other computer to update a balance to reflect the amount of the check submitted for deposit by the portable device.

US Pat. No. 9,937,673

PLUMBING SYSTEMS WITH INTEGRATED LEAK DETECTION AND REPAIR

United Services Automobil...

1. A method of repairing a conduit, the method comprising:receiving, by a three-dimensional (3D) conduit printing device disposed inside a conduit, from a sensor, a signal representative of an unmanufactured opening in the conduit;
in response to receiving the signal, collapsing, by the 3D conduit printing device, a liner adjacent to the unmanufactured opening such that the collapsed liner hinders the flow of fluid from passing through a portion of the conduit that has the unmanufactured opening;
printing, by the 3D conduit printing device, liner material for sealing the unmanufactured opening; and
sealing, by the 3D conduit printing device, the unmanufactured opening using the printed liner material.

US Pat. No. 9,875,449

SYSTEMS AND METHODS FOR DYNAMIC BUSINESS DECISION MAKING

United Services Automobil...

1. A computer system comprising:
a memory; and
a processor coupled to the memory and configured to execute instructions to:
displaying a webpage on a client computing device associated with a user, wherein the webpage comprises at least one of a
radio button, check box, text input field, and dropdown list configured to receive a request from the user;

receive the request via the webpage displayed on the client computing device associated with the user;
determine a subject matter associated with the received request;
generate a decision tree based on the subject matter of the received request comprising one or more questions hierarchically
organized as one or more nodes and leaf nodes, wherein each node corresponds to a question associated with the request having
one or more leaf nodes and each leaf node corresponds to a terminal question associated with the request;

determine a current node of the decision tree, wherein the current node corresponds to the received request;
determine an estimated number of nodes between the current node and a leaf node, wherein the estimated number of nodes is
calculated by determining an average for the minimum and maximum nodes between the current node and the leaf node;

generate a first instruction to display a representation of the decision tree on the webpage using an estimated number of
nodes on the user-interface;

generate a second instruction to determine whether an answer associated with a current question is available in a storage
area database, wherein the questions are stored in the storage area database using an index identifier and formatted using
a standardized interface language to increase cross-computing platform compatibility;

in response to an answer to the current question not being available in the storage area database:
generate a third instruction to display the current question on the webpage;
upon transmitting the third instruction to the client computing device, receive a response to the current question from the
user, wherein the response is received via at least one of radio button, check box, text input field, and dropdown list configured
to receive the answer from the user; and

generate a fourth instruction to store the response in the storage area database;
in response to the answer to the current question being available in the storage area database:
generate a fifth instruction to display a subsequent question on the webpage, wherein the subsequent question is a question
for which a corresponding answer is not stored in the storage area database, and whereby, upon determining a relevant question
corresponding to a question for which a corresponding answer is stored in the storage database, any memory structure associated
with the relevant question is released; and

use a set of answers corresponding to the subsequent question to resolve the request.

US Pat. No. 9,864,981

SYSTEMS AND METHODS FOR PAYMENT AT A POINT OF SALE

UNITED SERVICES AUTOMOBIL...

1. A system comprising:
a point of sale device configured to:
generate a transaction identifier that uniquely identifies a transaction between a merchant and a mobile computing device
associated with a customer,

send the transaction identifier to the mobile computing device via a first communication network,
after receiving an authorization and an identifier of the mobile computing device, transmit the transaction identifier and
the identifier of the mobile computing device to a merchant server computing device;

the merchant server computing device configured to:
transmit the transaction identifier together with the identifier of the mobile computing device to a financial institution
computing device; and

the financial institution computing device configured to:
receive the transaction identifier and the identifier of the mobile computing device,
send a confirmation request to the mobile computing device using the transaction identifier and the identifier of the mobile
computing device, and

when a confirmation is received from the mobile computing device in response to the confirmation request within a time period,
transfer funds from a customer account to a merchant account via a second communication network.

US Pat. No. 9,998,493

SYSTEMS AND METHODS FOR KEY LOGGER PREVENTION SECURITY TECHNIQUES

United Services Automobil...

1. A method of obfuscating input data received from a user in a user interface on a computer by loading an applet within the user interface, the method performed by the applet and comprising:receiving user input data in an input field from a user;
generating additional obfuscatory data in the input field combined with the user input data while the user input data is being input in the input field;
presenting only the user input data to a remote server for processing a user transaction,
wherein any key logging malware active on the computer would receive the combined user input data and the additional obfuscatory data.

US Pat. No. 9,846,917

SYSTEMS AND METHODS FOR PROVIDING A REAL ESTATE AND RENTAL MARKETPLACE

United Services Automobil...

1. A method for providing a web-based real estate marketplace, the method comprising:
providing a computer having a processor, display, and memory;
presenting on the display a web page configured to receive information from user inputs and from the Internet;
receiving financial information input by a buyer via the web page;
determining, using the processor, that the buyer is pre-qualified for a mortgage based at least in part on the buyer's financial
information;

receiving buyer preference criteria via the web page, the buyer preference criteria including at least one subjective preference
determined using social networking;

upon receiving the buyer preference criteria via the web page, comparing the buyer preference criteria to one or more properties;
determining that no matches result based on comparison of the buyer preference criteria to the one or more properties;
receiving a revised buyer preference criteria via the web page;
comparing the revised buyer preference criteria to the one or more properties;
generating, using the processor, a listing of homes for sale among the one or more properties for which the buyer is pre-qualified
for the mortgage and that matches the revised buyer preference criteria, the generating comprising matching the buyer preference
criteria including the at least one subjective preference with property information in a listing database;

upon generating the listing of homes for sale, retrieving via the web page, photographs of homes in the listing of homes for
sale; and

presenting a matched listing of homes, the photographs, and retrieved social networking information from another web page
to the buyer via the web page.

US Pat. No. 9,792,654

INSURANCE CLAIM PROCESSING VIA STREAMING VIDEO

United Services Automobil...

1. A method for damage assessment comprising:
in a damage assessment system having a memory and a processor in communication with the memory, the processor:
receiving, from a mobile device associated with a policy holder, a query regarding a damage assessment from the policy holder
located remotely from the damage assessment system for processing the damage assessment, the query further including mobile
device capability information indicating the mobile device is capable of streaming video;

determining, in response to the information included in the query, whether the mobile device is capable of streaming video
to the damage assessment system; and

in response to determining the mobile device is capable of streaming video:
generating an electronic invitation to a one-way streaming video session, the electronic invitation including an interactive
link for controlling the mobile device to initiate streaming video to the damage assessment system upon activation of the
interactive link;

transmitting the electronic invitation to the mobile device;
upon receiving an acceptance of the electronic invitation based on activation of the interactive link, controlling the mobile
device to initiate the one-way video session;

receiving, from the mobile device, real-time streaming video based on the initiation of the one-way video session, the real
time streaming video containing embedded metadata;

decoding the embedded metadata; and
appending received video and metadata from the real-time streaming video to a damage assessment workfile at the damage assessment
system.

US Pat. No. 9,779,452

APPARATUSES, METHODS, AND SYSTEMS FOR REMOTE DEPOSIT CAPTURE WITH ENHANCED IMAGE DETECTION

UNITED SERVICES AUTOMOBIL...

1. A system comprising:
a memory;
an image capture device; and
a processor in communication with the memory and the image capture device, the processor configured to:
capture an image of a financial instrument associated with a depositor using the image capture device;
extract a rectangular financial instrument image from the captured image by determining a plurality of corners of the financial
instrument in the captured image, wherein in determining the plurality of corners of the financial instrument in the captured
image, the processor is further configured to:

divide the captured image into sub-images;
determine anomaly scores for each of the sub-images, the anomaly scores being indicative of an anomaly in a respective sub-image;
and

determine a corner for each sub-image having an anomaly score below a predetermined anomaly threshold; and
transmit the rectangular financial instrument image to a remote financial institution server to deposit funds into an account
associated with the depositor.

US Pat. No. 9,686,158

POINT TO NODE IN A MULTI-TIERED MIDDLEWARE ENVIRONMENT

United Services Automobil...

1. A method for operating a load balancer comprising:
generating, at the load balancer, a list of IP addresses identified as point to node clients and a corresponding list of target
environments in a multi-tiered environment, wherein the target environments are virtual containers within a first application
server of a server farm, wherein the list of point to node clients and the corresponding list of target environments provide
override to the normal load balancing production routing;

receiving, at the load balancer, a request from a client to access content from the server farm within the multi-tiered environment;
determining, by the load balancer, whether the request originated from a point to node client by comparing an IP address associated
with the client with the list of IP addresses identified as the point to node clients;

determining, by the load balancer, whether the request is a request to access content from a virtual container in the list
of target environments based on a context root of the request;

wherein the virtual container is not accepting traffic from normal load balancing production routing, wherein the first application
server continues to accept the traffic from the normal load balancing production routing to virtual containers within the
first application server other than the virtual container that is not accepting the traffic from the normal load balancing
production routing:

routing, by the load balancer, the request to a virtual container within the first application server other than the virtual
container that is not accepting the traffic when the context root of the request is the request to access content from the
virtual container and when the client has been determined not to be the point to node client; and

routing, by the load balancer, the request to the virtual container within the first application server when the client has
been determined to be the point to node client and when the context root of the request is directed to the virtual container.

US Pat. No. 9,635,135

SYSTEMS AND METHODS FOR HANDLING REPLIES TO TRANSACTION REQUESTS

United Services Automobil...

1. A system for performing a transaction, the system comprising a hardware processor and a memory in a computing apparatus
that:
when a first server receives, from a client computer associated with a user, a request to perform the transaction, the first
server forwards the request to a second server such that the second server is able to perform the request, wherein the first
server comprises an application server hosting a delayed reply handler, wherein the second server comprises at least one of
an application server or a database server;

when the first server determines that an amount of time has expired without a reply to said request having been received by
the first server and a status of the transaction is unknown to the first server based on a time the request was sent and a
timeout associated with the request, the first server further:

receives, via the delayed reply handler, a delayed reply from the second server, wherein the delayed reply is associated with
the request, wherein the delayed reply indicates the status of the transaction as successful or failed;

determines, via the delayed reply handler, based on the delayed reply, whether the transaction associated with the delayed
reply has succeeded or failed;

updates, via the delayed reply handler, the status of the transaction as determined via the delayed reply handler;
determines, via the delayed reply handler, an action to automatically handle the delayed reply, wherein the action is associated
with the transaction requested in the request, wherein the action is based on said delayed reply indicating that the transaction
has succeeded or failed and on a transaction type of said transaction requested in the request;

performs, via the delayed reply handler, said action to automatically handle said delayed reply; and
transmits, via the delayed reply handler, to the client computer, for display to the user, a message informative of the status
of the transaction and the action that will be taken based on the delayed reply.

US Pat. No. 9,557,931

SYSTEMS, METHODS, AND COMPUTER READABLE MEDIA FOR MANAGING A HOSTS FILE

United Services Automobil...

1. A computer-implemented method comprising:
receiving, by a computer, an instruction to update a hosts file according to a new IP address and a hostname correlating to
the new IP address, wherein the hosts file comprises machine-readable data correlating one or more IP addresses with one or
more hostnames;

upon receiving the instruction to update the hosts file:
retrieving, by the computer, the hosts file from a host file manager datastore, the host file manager datastore comprising
non-transitory machine-readable storage media configured to store one or more host files;

inserting, by the computer, the new IP address into the hosts file, thereby generating a modified hosts file that correlates
the hostname with the new IP address; and

transmitting, by the computer, the modified hosts file to one or more client computers of a computing network, the computing
network comprising the computer and the one or more client computers.

US Pat. No. 9,852,487

METHOD AND SYSTEM FOR INTERACTIVE REMOTE INSPECTION SERVICES

United Services Automobil...

1. A remote inspection system comprising:
a lockbox at a property;
a processor communicatively coupled to the lockbox at the property; and
a memory, communicatively coupled to the processor, comprising instructions, that when executed by the processor, cause the
processor to:

receive, from a mobile device, a request to inspect the property;
establish an audio-visual remote presence connection with the mobile device, wherein:
video of at least a portion of the property is portrayed on the mobile device in real time,
a digital image of an object is projected onto the video of the least portion of the property, wherein the object is not located
at the property,

a party associated with the property is portrayed on the mobile device in real time, and
wherein the party is not located at the property;
provide an authentication token via the audio-visual remote presence connection to the lockbox, to enable physical access
to a secured area of the property;

cause a plurality of purchase information to be transmitted to the mobile device;
receive a plurality of requests for additional information;
generate a response to at least one of the plurality of requests for additional information; and
cause the response to be transmitted to the mobile device.

US Pat. No. 9,832,316

CUSTOMER SERVICE MODEL-BASED CALL ROUTING AND/OR SCHEDULING SYSTEM AND METHOD

United Services Automobil...

1. A method of routing a customer call to a desired representative of a call center, comprising:
receiving the customer call from a customer;
identifying, within a database saved to a server, a customer account corresponding with the customer;
identifying data indicative of one or more life event entries saved to the customer account and corresponding with one or
more life events of the customer;

applying the identified data indicative of the one or more life event entries to a plurality of history-based statistical
models, wherein each history-based statistical model of the plurality of history-based statistical models represents a corresponding
call routing channel;

assigning a probability score for each history-based statistical model of the plurality of history-based statistical models,
wherein each probability score represents a likelihood that the corresponding call routing channel represented by the history-based
statistical model is desired by the customer; and

routing, via a processor of a switch and based on the probability scores, the customer call to the desired representative
through the corresponding call routing channel, wherein the corresponding call routing channel is associated with the desired
representative.

US Pat. No. 9,785,929

SYSTEM AND METHOD FOR PROVIDING A LIVE REGISTER RECEIPT

United Services Automobil...

1. A method for transmitting transaction data comprising:
in a system having a memory in communication with a processor:
receiving a request to initiate a live register receipt function and authenticating a customer mobile device positioned at
a point of sale vendor register;

receiving point of sale vendor register identification information from the authenticated customer mobile device;
receiving line item data from a point of sale vendor register associated with the received point of sale vendor register identification
information as the line item is being entered at the point of sale vendor register; and

transmitting the received line item data to the authenticated customer mobile device in real time as each line item is being
entered at the point of sale register; and

concurrently transmitting the received line item data in real time to an additional mobile device pre-authorized by a user
of the authenticated customer mobile device to receive the line item data.

US Pat. No. 9,779,392

APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS

United Services Automobil...

1. A method, comprising:
receiving, at a message broker server, a negotiable instrument deposit information subscription request and a subscription
rule from a financial institution;

registering, by the message broker server, the financial institution as a negotiable instrument deposit information subscriber
based on the received subscription rule;

receiving, by the message broker server, an access request to access the message broker server from a computing device;
in response to receiving the access request, remotely directing, by the message broker server, the computing device to perform
an authentication process;

identifying, by the message broker server, a digital certificate assigned to an image capture device of the computing device
according to the authentication process;

validating as part of the authentication process, by the message broker server, the image capture device based on the digital
certificate assigned to the image capture device; and

in response to validating the image capture device, remotely controlling, by the message broker service, the image capture
device to capture an image of a negotiable instrument;

receiving, at the message broker server, the image of the negotiable instrument and metadata associated with the negotiable
instrument, the metadata including a magnetic ink character recognition (MICR) string;

determining, by the message broker server, a status of the negotiable instrument based on the received metadata regarding
a proposed deposit of the negotiable instrument by:

comparing a MICR string of the image of the negotiable instrument to a record of previously presented negotiable instruments
stored as images according to an optical character recognition (OCR) on the MICR string of the image and modifying a respective
MICR string in the metadata to replace non-numeric characters in the MICR string in the metadata with spaces, except for misreads,
and saving the modified MICR string; and

identifying a matching negotiable instrument according to the comparing of the MICR string; and
communicating, by the message broker server, the status of the negotiable instrument to the financial institution.

US Pat. No. 9,626,183

DEVICE INTERROGATION FRAMEWORK

United Services Automobil...

1. A method comprising:
in an electronic device:
receiving a feature support criteria request, from the software application, identifying electronic device criterion for implementing
a target feature;

initiating a software application;
analyzing the feature support criteria request;
determining the feature support criteria request does not include a missing electronic device criterion corresponding to a
performance of an electronic device component for implementing the target feature;

in response to determining the feature support criteria request does not include the missing electronic device criterion,
performing a device interrogation to identify a device characteristic of the electronic device corresponding to the missing
electronic device criterion;

assessing whether the device characteristic of the electronic device would adversely affect a particular function of the software
application; and

disabling the particular function, while maintaining implementation of other functions of the software application, in response
to an assessment that the device characteristic would adversely affect the particular function.

US Pat. No. 9,619,789

VIRTUAL CHECK

United Services Automobil...

1. A method comprising:
receiving, from a mobile device comprising a position sensor and associated with a payor, information for a virtual check
created in real-time in the mobile device associated with the payor, the information including an amount of the virtual check
and a location indicating where the virtual check was created or sent from;

associating the amount of the virtual check and the location with information associated with the payor stored at a computing
system;

determining, by the computing system, whether there are sufficient funds to cover the amount of the virtual check; and
placing, by the computing system, funds in the amount of the virtual check in reserve when the funds are sufficient to cover
the amount of the virtual check.

US Pat. No. 9,595,044

SYSTEMS AND METHODS FOR AUTOMATED BENEFIT VERIFICATION AND APPLICATION

United Services Automobil...

1. A method comprising:
receiving a transaction request for a transaction from a point of sale device, the transaction request including an identity
of a merchant and an identity of a user; and

determining, by a processor, whether the user is eligible for a benefit based on the identity of the merchant;
when the user is eligible for the benefit:
determining, by the processor, the benefit based on the identity of the user, wherein the benefit includes a base portion
and an additional portion, the additional portion based on a length of time that the user has had an account with an issuing
entity of a payment device used in the transaction,

transmitting, via a communications network, the benefit to the point of sale device, and
applying, by the processor, the benefit to the transaction.

US Pat. No. 9,510,147

METHOD AND SYSTEM FOR WIRELESS DEVICE COMMUNICATION

United Services Automobil...

1. A non-transitory computer-readable medium comprising instructions stored thereon, wherein the instructions cause a processor
to:
connect with a wireless device to engage in a wireless data communication session in a local geographic region;
track the wireless device within the local geographic region to obtain tracking information;
identify a movement pattern of the wireless device in the local geographic region based on the tracking information:
access a user profile associated with a user of the wireless device, the user profile including a user criterion for an item
type and a body image of the user;

provide targeted information to the wireless device regarding a plurality of items based on the identified movement pattern;
determine that at least one item of the plurality of items matches the user criterion; and
in response to a determination that the at least one item matches the user criterion, provide a notification including a photo
of the at least one item appearing with the body image.

US Pat. No. 10,027,684

METHOD AND SYSTEM FOR USER CREDENTIAL SECURITY

United Services Automobil...

1. A system, comprising:a primary device; and
a computer-readable storage device coupled to the primary device and having instructions stored thereon which, when executed by the primary device, cause the primary device to perform operations for authenticating user credentials, the operations comprising:
receiving, from a primary input device that is coupled to the primary device, first user input provided by a user to the primary input device, the first user input comprising a plurality of characters including one or more true characters and at least one false character;
receiving, from a secondary input device that is in communication with the primary device, second user input provided by the user to the secondary input device, wherein the second user input indicates the at least one false character;
determining a user credential based on the first user input and the second user input, at least one or the first input and the second input comprising at least a portion of the user credential; and
receiving an indication that the user is authentic based on the user credential, and in response, enabling the user to further interact with the primary device.

US Pat. No. 9,824,244

SYSTEMS AND METHODS FOR A WEARABLE USER AUTHENTICATION FACTOR

United Services Automobil...

1. A method of providing multi-factor authentication of an authenticatable user, comprising the steps of:
providing a wearable article having a plurality of unique electronic tags within the same article to an authenticatable user;
receiving a first authentication factor from the wearable article via an electronic tag reader, wherein the plurality of unique
electronic tags each provides access for the user to a different authenticatable action, each of the unique electronic tags
being associated with one or more authentication factors, each authentication factor including an item of information used
to authenticate the user's identity;

receiving a second authentication factor from a user;
processing the first authentication factor and the second authentication factor to generate user authentication information
and user configuration information;

generating a list of authentication options for the user that includes a list of the authenticatable actions associated respectively
with the plurality of unique electronic tags, and a configuration action based on the authentication information and user
configuration information, wherein the list includes a unique identifier associated with the authenticatable action and a
unique identifier associated with the configuration action;

displaying the list to the user via a graphical user interface for confirmation by the user;
authenticating the user for access to a computing device with the user authentication information; and
configuring the computing device for the user with the user configuration information,
wherein said list of authenticatable actions comprises different authenticatable actions for at least one of i) different
access to different physical facilities, or ii) different access to different financial transactions.

US Pat. No. 9,773,120

FORENSIC INVESTIGATION TOOL

United Services Automobil...

1. A method comprising:
recovering data on a storage medium that was deleted from the storage medium;
identifying a file within the data;
determining, by at least one processing device, that the file is encrypted;
identifying, by the at least one processing device, an encryption tool used in encrypting the file, wherein the encryption
tool is identified in response to determining that the file is encrypted;

retrieving, by the at least one processing device, decryption information for decrypting the file based on the identified
encryption tool, wherein the retrieving comprises:

accessing a repository of decryption information using a multi-user authentication, and
retrieving the decryption information from the accessed repository of decryption information; and
initiating a decryption of the encrypted file using the retrieved decryption information.

US Pat. No. 9,741,041

SERVICE REPRESENTATIVE AND REMOTE LOCATION DOCUMENT COMMUNICATION

United Services Automobil...

1. A user device for communicating a document to a service representative, comprising:
a memory; and
a processor configured to execute executable instructions stored in the memory to:
establish a communication session between the user device and a customer service representative;
transmit device information of the user device to the customer service representative; and
provide the customer service representative with control over the user device to:
capture information from a document using a capability of the user device, and
transmit the capture information to the customer service representative.

US Pat. No. 9,721,400

DETECTING MOTOR VEHICLE DAMAGE

United Services Automobil...

1. A system for detecting damage, comprising:
a motor vehicle including a plurality of motor vehicle components;
a plurality of sensors to detect damage to a motor vehicle component of the plurality of motor vehicle components, the plurality
of sensors including a visual sensor to detect the damage by detecting a change in a distance between two or more focal points
on the motor vehicle;

a network interface to transmit an indication of the detected damage, the indication including an identifier associated with
the damaged motor vehicle component; and

a data store to store the indication of the detected damage.

US Pat. No. 9,602,164

METHODS AND SYSTEMS FOR MAKING A PRE-PAYMENT

United Services Automobil...

1. A method of making a pre-payment, comprising:
providing a mobile wallet to a user;
receiving, from the user, information populating at least one payment instrument to the mobile wallet;
receiving an indication that the mobile wallet has been presented to a payment location;
receiving, from the user, a pre-payment corresponding to one or more items available for purchase at the payment location
using at least one payment instrument from the mobile wallet for settlement of the pre-payment, wherein the pre-payment identifies
the at least one payment instrument to the payment location via the mobile wallet;

in response to the pre-payment being received by the payment location, providing the user with a token to the mobile wallet,
wherein the token identifies the user, the pre-payment, and the one or more items to the payment location, wherein the token
includes an identifier used to identify the user, wherein the token is presented by the user via the mobile wallet upon exit
from the payment location to verify that the prepayment corresponds to the one or more items; and

settling the pre-payment using the one of the at least one payment instrument.

US Pat. No. 9,928,557

SYSTEMS AND METHODS FOR A HOME AREA RECOMMENDER

United Services Automobil...

1. A computer-implemented method for recommending a property listing, the method being executed by one or more processors and comprising:receiving preferred criteria from a network device;
compiling information associated with the property listing; and
transmitting the property listing to a user device based on a determination that objective information in the compiled information associated with the property listing correlates to the preferred criteria and that subjective information in the compiled information associated with the property listing correlates to the preferred criteria.

US Pat. No. 9,710,615

SYSTEMS AND METHODS FOR SECURE ONLINE REPOSITORIES

United Services Automobil...

1. A system for providing access control to a secure online repository, comprising:
a computer network;
at least one database configured to store the secure online repository, wherein the at least one database is connected to
the computer network and the secure online repository includes a primary lockbox and a secondary lockbox;

a computing device connected to the computer network and the database the computing device comprising at least one processor
and a non-transitory computer readable storage medium encoded with a computer program comprising instructions that when executed,
operate to cause the at least one processor to perform operations comprising:

provide a user interface to a client device of a first party;
receive, from the user interface of the client device, a first access key from the first party;
receive a second access key from a second party, the second party being different from the first party;
simultaneously validate the first access key and the second access key; and in response to simultaneously validating both
the first access key and the second access key:

provide remote access to the primary lockbox to the first party and remote access to the secondary lockbox to the second party
over the computer network, wherein the primary lockbox and the secondary lockbox share content in common, and the content
in common includes information unique to the first party and information unique to the second party; and

provide remote access to the content in common by the first party and the second party, wherein the information unique to
the first party is concurrently available to the second party only for the duration the first party is remotely accessing
the primary lockbox and the information unique to the second party is concurrently available to the first, party only for
the duration the second party is remotely accessing the secondary lockbox;

provide, through the computer network, a presentation of the primary lockbox to the client device of the first party for display
on the user interface when both the first and second access keys are validated simultaneously.

US Pat. No. 9,602,560

CONCURRENT DISPLAY OF MASKED VIEWS OF APPLICATIONS BETWEEN DEVICES

United Services Automobil...

1. A computing device implemented method for concurrent display of a masked view of an application, comprising:
receiving a request from a first computing device for establishing a collaborative session between the first computing device
and a second computing device;

receiving a user identifier associated with a user of the second computing device;
establishing a collaborative session between the first computing device and the second computing device at least partially
based on the user identifier;

providing a view of a first application for display on the first computing device;
determining a portion of the view of the first application displayed on the first computing device based on the user identifier,
the portion of the view comprising information associated with the user identifier;

providing a masked view of the first application on the first computing device, the masked view comprising the portion of
the view; and

concurrently displaying the view of the first application on a first user interface of the first computing device and the
masked view of the first application on a second user interface of the second computing device in the collaborative session;

wherein the view of the first application comprises information associated with the user and information associated with one
or more other users, and the masked view of the first application is absent the information associated with the one or more
other users.

US Pat. No. 10,038,789

CALL ROUTING METHODS AND SYSTEMS

UNITED SERVICES AUTOMOBIL...

1. A non-transitory computer-readable storage medium comprising a set of instructions that, when executed by one or more processors, cause a machine to:receive, via a communications network, a call from a caller made via a device;
determine whether a score indicating a probability that the caller will accept an invitation to speak with a representative regarding a new product or service during the call can be generated; and
when the score can be generated:
generate the score for the call,
compare the score to a threshold,
when the score meets or exceeds the threshold, classify the call as a potential sales call, and
route the call to a representative based at least in part on the classification, a priority level of the call associated with tenure of the caller as a customer of an entity, and a minimum expected delay of answering the call.

US Pat. No. 9,876,789

SYSTEMS AND METHODS FOR SECURE LOGON

United Services Automobil...

1. A system, comprising:
a processor; and
memory coupled to the processor, the memory storing instructions that cause the processor executing the instructions to effectuate
operations comprising:

receiving authentication information from a device to grant access to an online account and authorize a login from the device;
during access to the online account:
providing a selectable option to enable an expedited logon process by which the online account can be accessed by providing
a particular authentication item and an assigned verification credential, wherein the assigned verification credential is
assigned to the online account;

receiving a selection to enable the expedited logon process; and
sending the assigned verification credential to the device; and
during each logon attempt from the device:
receiving an authentication item from the device;
verifying that the authentication item matches the particular authentication item;
receiving a verification credential from the device;
verifying that the verification credential matches the assigned verification credential;
in response to verifying the authentication item and the verification credential, providing access to the online account;
and

sending an updated assigned verification credential to the device for verification of the device during a subsequent logon
attempt.

US Pat. No. 9,723,146

SYSTEMS AND METHODS FOR REPRESENTATIVE CREDIT PREDICATED UPON RELATIONSHIP DEVELOPMENT

United Services Automobil...

1. A method of electronically utilizing content in a communication between a customer and a first representative, comprising:
receiving, from a computing device associated with the first representative, the content;
displaying, at a computing device associated with a second representative, the content;
electronically receiving a rating of the content from the second representative; and
storing the rating in a database as a database entry comprising storing an identification of the first representative and
an identification of the second representative, wherein the identification of the first representative and the identification
of the second representative are associated with the database entry;

querying the database for a number of database entries that are associated with a queried representative that is either the
first representative or the second representative;

generating a rating for the queried representative, wherein the rating is at least partly based on the number of the database
entries; and

identifying whether a predetermined criteria is satisfied, wherein the identifying is at least partly based on the number
of the database entries.

US Pat. No. 9,721,229

SYSTEMS AND METHODS FOR MONITORED SOCIAL MEDIA PARTICIPATION

United Services Automobil...

1. A method comprising:
receiving, at a social media portal system comprising a processor and memory, filtered social media postings from a social
media stream;

scoring, via the processor, a first social media posting of the filtered social media postings with respect to a likelihood
of a trigger event being associated with the first social media posting, wherein both the trigger event and the first social
media posting relate to a complaint about insurance;

routing, from the social media portal system, the first social media posting to a recipient based on the scoring indicating
that the likelihood the first social media posting and the trigger event are associated;

receiving, at the social media portal system, a response from the recipient to the first social media posting;
maintaining, at the social media portal system, the response from the recipient to the first social media posting in a pending
status;

receiving an approval indication that the response from the recipient to the first social media posting is approved to be
provided to a social network; and

responsive to receiving the approval indication, providing, by the social media portal system and to the social network, the
response from the recipient user to the first social media posting.

US Pat. No. 10,007,952

SYSTEMS AND METHODS FOR PROCESSING VEHICLE OR DRIVER PERFORMANCE DATA

United Services Automobil...

1. A method of receiving and managing networked communications configuring a vehicle insurance policy, the method comprising:communicating with a data processing module installed in a vehicle including a hardware sensor for measuring vehicle performance data including at least one of vehicle speed, g-load, mileage, acceleration, deceleration, engine performance, oil temperature, fluid levels, cylinder temperature, spark plug voltage, fuel-air mixture, fuel flow, air pressure, boost pressure, or emissions gas readings;
acquiring, during vehicle operation with the data processing module on the vehicle covered by a vehicle insurance policy with an initial premium, vehicle performance data measured by the hardware sensor on the vehicle;
generating, with the data processing module based on the vehicle performance data, vehicle behavior data, the vehicle behavior data measuring a driving behavior of a driver of the vehicle;
receiving, by a data monitoring module of a computing device having a computer processor via a network, networked communications which include the vehicle behavior data;
generating, by a premium calculating engine in response to receiving the vehicle behavior data from the data processing module, a modified premium using the vehicle behavior data;
determining that a difference between the initial premium and the modified premium exceeds a threshold value; and
dynamically modifying, by the computer processor, the vehicle insurance policy to immediately implement the modified premium.

US Pat. No. 9,942,279

SYSTEMS AND METHODS FOR IMPLEMENTING NETWORK GATEWAY IN CATASTROPHE CONTEXT OR THE LIKE

United Services Automobil...

1. A computer-implemented method comprising:providing, by a gateway communication device to a plurality of primary communication devices in a network within a geographic area, access to communicate with each of the plurality of primary communication devices, wherein at least one primary communication device in communication with the gateway communication device receives a request from a first primary communication device and a second primary communication device to join the network and transmits the request to join the network to the gateway communication device along with information corresponding to a number of intermediary devices linked between each of the first primary communication device and the second primary communication device and the gateway communication device, and wherein the gateway communication device grants each respective primary communication device the access to communicate based on:
a signal strength associated with the respective primary communication devices relative to each of the plurality of primary communication devices, and
a number of intermediary primary communication devices linked between the respective primary communication device and the gateway communication device, wherein when the gateway communication device has an option to grant access to the first primary communication device or the second primary communication device, the gateway communication device selects the first primary communication device because the first primary communication device has fewer intermediary devices linked between the first communication device and the gateway communication device than the second primary communication device determined based on the information received corresponding to the number of intermediary devices linked between each of the first primary communication device and the second primary communication device and the gateway communication device;
periodically transmitting, by the gateway communication device, a message associated with an availability of the gateway communication device to a secondary communication device outside the geographic area; and
upon authenticating, by the gateway communication device, the secondary communication device outside the geographic area, transmitting a network policy to the secondary communication device, the network policy comprising a set of one or more data security functions configuring the secondary communication device to communicate data with the plurality of primary communication devices within the geographic area in accordance with the set of data security functions, wherein the gateway communication device comprises two or more transceivers and each of the plurality of primary communication devices comprises two or more transceivers, and wherein each primary communication device is configured to be assigned as the gateway communication device for the plurality of primary communication devices.

US Pat. No. 9,792,639

SYSTEMS AND METHODS FOR PRICE SEARCHING VIA A MOBILE DEVICE READING DISPLAY SCREEN GRAPHICS

United Services Automobil...

1. A system comprising:
an input device configured to:
scan a machine-readable code associated with a product, and
automatically retrieve information identifying the product based on the scanned machine-readable code;
a display device;
memory; and
at least one processor configured to:
receive, from the input device, the information identifying the product,
automatically determine a first cost for purchasing the product from at least one physical store,
automatically determine a second cost for purchasing the product from at least one online store including:
determining a price of the product at the online store, and
estimating a shipping cost associated with purchasing the product from the online store based on shipping costs associated
with other similar products that were shipped from the same online store,

calculate a difference in price between the first cost and the second cost,
select between the product from the physical store and the product from the online store based on whether the calculated difference
in price is within a predetermined range and whether the product from the online store is on back-order, and

automatically provide the selection to the display device.

US Pat. No. 9,727,920

INSURANCE POLICY MANAGEMENT USING TELEMATICS

United Services Automobil...

1. A computer implemented method, comprising:
using a telematics route tracking module to electronically receive, from a telematics device associated with a user, data
relating to traversal of a user route, the telematics device configured to monitor a movement of the user and determine the
data relating to traversal of the user route based on the movement of the user;

processing, via a computing device with non-transitory memory and a processor, said electronically received data to determine
user driving behavior based upon the data relating to traversal of the user route;

identifying, based on the processing of the electronically received data, one or more driving infractions associated with
the user, and

using an insurance policy pricing module to generate, via the processor, insurance policy price data to determine pricing
effects caused by one or more identified user driving infractions contingent upon said determined user driving behavior.

US Pat. No. 9,609,140

METHODS, SYSTEMS, AND COMPUTER-READABLE MEDIA FOR TRANSFERRING OR RECOVERING A COMMUNICATION BETWEEN A NUMBER OF PARTICIPANTS

United Services Automobil...

1. A computer-implemented method for conducting a communication, the method comprising:
determining a context associated with a communication between a first participant and a second participant while the communication
is occurring via a communication network;

determining an occurrence that results in a failure of the communication;
determining that a duration of the failure of the communication will exceed a threshold;
in response to determining that the duration of the failure of the communication will exceed the threshold, instantiating
a dormant path of the communication before the duration of the failure reaches the threshold and sending a notification of
the failure of the communication to the first participant before the duration of the failure reaches the threshold;

providing one or more options to the first participant to resume the communication;
receiving a selection of an option of the one or more options from the first participant; and
resuming the communication based, at least in part, on the selection and the context.

US Pat. No. 10,289,760

ASSESSING POTENTIAL WATER DAMAGE

United Services Automobil...

1. A machine-readable non-transitory medium storing instructions for assessing potential water damage, the instructions executable by a machine to cause the machine to:survey, using a sensor, a property that includes a structure;
generate, based on surveying the property, a multi-dimensional model of the property, the multi-dimensional model modeling movement of water on the property;
simulate, using the multi-dimensional model, the movement of water on the property over a period of time to determine an impact to the property from the movement of water, wherein the impact to the property includes a pattern of wear for at least one material used in a construction of the structure;
determine a risk of water damage to the property over the period of time based on the determined impact to the property from the movement of water;
provide, on an interface, a recommendation for limiting water damage to the property based on the determined risk of water damage;
generate a real-time view of the structure based on the multi-dimensional model; and
display, on the interface and using the multi-dimensional model, a simulation of forecasted weather in relation to the real-time view of the structure through the interface.

US Pat. No. 10,165,429

SYSTEMS AND METHODS FOR FACILITATING VEHICLE INCIDENT COMMUNICATIONS

United Services Automobil...

1. A method for providing a communication about at least one vehicle, the method comprising:receiving, by a mobile device, data indicative of a possible vehicular accident;
determining, by the mobile device, based on the indicative data, that a vehicular accident occurred;
determining a severity of the vehicular accident;
accessing, by the mobile device, data identifying a plurality of contacts associated with the vehicle;
selecting, by the mobile device and based on the determination that the vehicular accident occurred, a first contact of the plurality of contacts and a second contact of the plurality of contacts;
generating, by the mobile device, a first communication relating to the vehicular accident comprising first content determined based on the first contact;
generating, by the mobile device, a second communication relating to the vehicular accident comprising second content determined based on the second contact;
when the severity of the vehicular accident is high: automatically electronically transmitting, by the mobile device, the first communication to the first contact and the second communication to the second contact; and
when the severity of the vehicular accident is low:
prompting a user of the mobile device to confirm communication transmission; and
based on confirmation of the communication transmission, electronically transmitting, by the mobile device, the first communication to the first contact and the second communication to the second contact.

US Pat. No. 10,091,180

BEHAVIORAL PROFILING METHOD AND SYSTEM TO AUTHENTICATE A USER

United Services Automobil...

16. A non-transitory computer-readable storage medium comprising instructions that, when executed by a processor, cause the processor to effectuate operations comprising:monitoring a plurality of behavioral characteristics of user interactions with a first computing device, wherein the user interactions are over a plurality of channels;
identifying a subset of the plurality of behavioral characteristics to add to a block chain;
generating encrypted behavioral characteristics via encrypting the subset of the plurality of behavioral characteristics;
sending a message to add the encrypted behavioral characteristics to the block chain;
identifying that the encrypted behavioral characteristics have been added to the block chain by:
identifying a number of the subsequent data records that have been added to the block chain after the subset of the plurality of behavioral characteristics was added;
receiving an indication of a minimum number of data records to be added to the block chain; and
comparing the number of the subsequent data records added to the block chain to the minimum number;
receiving an indication that a second computing device will store at least part of subsequent data records; and
identifying variations between the plurality of behavioral characteristics of the user interactions and a behavior profile previously developed based on prior usage patterns of a user.

US Pat. No. 9,690,761

SYSTEMS AND METHODS FOR PROVIDING MOBILE BROWSER ACCESS TO MOBILE DEVICE FUNCTIONALITIES

United Services Automobil...

1. A method for accessing functionalities of a mobile device, comprising:
receiving an indication that a link displayed in a web-based application has been selected for performing a functionality
of the mobile device;

determining a first application associated with the functionality from a registry of applications maintained by an application
management software, wherein the first application is provided by a third party and the first application is capable of providing
the same functionality as a second application that is provided by a manufacturer of the mobile device;

executing the first application to perform the functionality on the mobile device comprising using a capability of the mobile
device; and

returning to the web-based application.

US Pat. No. 9,503,530

PREFERENTIAL LOADING IN DATA CENTERS

United Services Automobil...

1. A computer-implemented method of hosting a software application providing a service in a system comprising data centers,
the method comprising:
receiving, by a router of a system, a request for a service provided by two or more servers in the system that are associated
with an IP address, the system comprising a plurality of data centers containing at least one server of the two or more servers;

identifying, by the router, in the two or more servers a first server having the IP address to fulfill the request;
transmitting, by the router, the request for the service to the first server residing in a first data center, wherein the
first server fulfills at least a portion of the request for the service; and

transmitting, by the router, data associated with the request for the service to a second server residing in the first data
center in accordance with a configuration table stored in a memory of the first server.

US Pat. No. 9,479,491

METHODS AND SYSTEMS FOR MULTIPLE CHANNEL AUTHENTICATION

United Services Automobil...

1. A method comprising:
receiving authentication information of a user into a mobile application installed on a device, the mobile application allowing
the user to engage in activities through the mobile application;

authenticating the user to the mobile application;
initiating, in response to receiving a request from the user, a voice and data call to an organization, the call initiated
from within the mobile application,

wherein initiating the voice and data call includes transferring the authentication information in connection with the voice
and data call to allow pass-through authentication to a representative of the organization,

transferring, in connection with the voice and data call, data related to existing or prior activities on the device;
determining whether the data related to the existing or prior activities on the device is sufficient to determine a routing
for the voice and data call,

wherein when the data related to the existing or prior activities on the device is insufficient to determine a routing for
the voice and data call, routing the voice and data call to an interactive voice response system,

wherein when the data related to the existing or prior activities on the device is sufficient to determine a routing for the
voice and data call, routing the voice and data call to the representative based at least in part on the data related to the
existing or prior activities on the device; and

authenticating a second user to the voice and data call on a second device.

US Pat. No. 10,091,362

MANAGING VOICEMAIL SYSTEMS

United Services Automobil...

1. A computer implemented method comprising:subscribing a plurality of voicemail boxes to a voicemail management system;
receiving, at a computer system, a voicemail greeting message for each of the plurality of voicemail boxes;
receiving, at the computer system, metadata associated with each voicemail greeting message;
receiving, at the computer system, one or more compliance criteria, wherein the one or more compliance criteria comprises an indication of a threshold length of time;
determining, by the computer system based on the metadata, whether each voicemail greeting message satisfies the one or more compliance criteria, wherein determining whether each voicemail greeting message satisfies the one or more compliance criteria comprises determining whether each voicemail greeting message exceeds the threshold length of time;
generating, using the computer system, a report based on the determination, wherein generating the report comprises identifying two or more voicemail boxes having a respective voicemail greeting message that exceeds the threshold length of time; and
causing a display of, using the computer system, the report to a user, wherein causing the display of the report comprises visually indicating the two or more voicemail boxes having the respective voicemail greeting message that exceeds the threshold length of time.

US Pat. No. 10,019,714

SYSTEMS AND METHODS FOR PROVIDING CARD ACCOUNT CONTROLS AND PURCHASE IMPACT INFORMATION

United Services Automobil...

1. A non-transitory, computer readable medium storing instructions executable by a processor of a server of a card/checking services company to provide card account controls and purchase impact information, the instructions comprising computer readable instructions for:receiving, from a card charge system, information regarding a potential purchase using a card account of a customer;
generating potential purchase impact information based on the information regarding the potential purchase of the customer;
providing the potential purchase impact information to a mobile computing device of the customer;
receiving a confirmation from the mobile computing device of the customer indicating that the customer has received the potential purchase impact information and desires to make the potential purchase; and
unlocking the card account of the customer on which the potential purchase is to be made in response to receiving the confirmation.

US Pat. No. 10,008,102

SYSTEM AND METHOD FOR MONITORING RADIO-FREQUENCY (RF) SIGNALS FOR SECURITY APPLICATIONS

United Services Automobil...

1. A customer interface device (CID), comprising:an output device configured to output a beacon;
communication circuitry configured to communicatively couple the CID to an online service;
sensing circuitry configured to detect radio-frequency (RF) communication signals near an asset associated with the CID;
memory circuitry configured to store information regarding the RF communication signals detected by the sensing circuitry; and
processing circuitry coupled to the communication circuitry, the sensing circuitry, and the memory circuitry, wherein the processing circuitry is configured to execute instructions stored in the memory circuitry to:
initiate storage, in the memory circuitry, of the information regarding the RF communication signals detected by the sensing circuitry; and
in response to determining that a trigger event has occurred:
provide, via the communication circuitry, the online service with information regarding the RF communication signals detected by the sensing circuitry around the time of the trigger event; and
activate the output device of the CID to emit the beacon, wherein the beacon is recordable by an electronic device collecting a recording near the asset at the time of the trigger event, and wherein the beacon uniquely identifies the time and location of the trigger event in the recording.

US Pat. No. 9,953,383

SYSTEMS AND METHODS FOR A HOME AREA RECOMMENDER

United Services Automobil...

1. A computer-implemented method for recommending a property listing, the method being executed by one or more processors and comprising:receiving preferred criteria from a network device;
compiling information associated with the property listing; and
transmitting the property listing to a user device based on a determination that objective information in the compiled information associated with the property listing correlates to the preferred criteria and that subjective information in the compiled information associated with the property listing correlates to the preferred criteria.

US Pat. No. 9,904,920

SYSTEMS AND METHODS FOR CUSTOMER AUTHENTICATION AND DETERMINATION OF RELEVANT SERVICES

United Services Automobil...

1. A computer-implemented method for enhancing verification of a customer during a conversation between a customer and a customer
service representative of a company comprising the steps of:
receiving and storing data related to the customer at a computer operated by the company, wherein the data includes a customer
name, a customer address, a customer number, and at least one authentication field for at least one authentication parameter
of the customer;

commencing a first telephonic interaction between the customer and the customer service representative;
capturing first authentication data from the first telephonic interaction and storing the first authentication data in the
at least one authentication field;

commencing a second telephonic interaction between the customer and the customer service representative;
displaying at least a part of the data on a workstation of the customer service representative as part of a plurality of screens
based upon the customer providing at least one of the customer name, the customer address, and the customer number;

capturing second authentication data from the second telephonic interaction;
performing enhanced authentication without interrupting the second telephonic interaction by comparing the first and second
authentication data;

determining local events based upon an address of the customer;
displaying the local events on at least one of the plurality of screens for the customer service representative to discuss
with the customer;

entering a personal event related to the customer acquired during discussion with the customer;
determining and displaying at least one product or service for the customer service representative to discuss purchasing with
the customer based on the personal event;

updating the data based upon the second telephonic interaction; and
revising the screens based on the updated data.

US Pat. No. 9,779,457

PERSONALIZED NAVIGATION CONTROL ITEMS FOR AN APPLICATION

United Services Automobil...

1. A method performed by a processor of a mobile computing device for personalizing navigation control of an application,
the method comprising:
transmitting, to a financial institution system, at least one identification element of a user to access the financial institution
system using the application, the financial institution system authenticating the user at least partially based on the at
least one identification element of the user;

receiving, from the financial institution system, information related to personalization of navigation control items associated
with a plurality of primary service sections of the application, wherein the information is automatically provided by the
financial institution system in response to the financial institution system successfully authenticating the user;

processing the information to automatically provide a personalized arrangement of navigation control items, in which at least
one prioritized navigation control item is in a more visually prominent place in the arrangement than at least one non-prioritized
navigation control item, based on the at least one prioritized navigation control item being associated with at least one
account that is owned by the user, and based on the at least one non-prioritized navigation control item being associated
with a type of account that is not owned by the user; and

displaying, on a page of the application, the personalized arrangement of navigation control items for the user for navigating
the plurality of primary service sections of the application, the displaying including automatically arranging the navigation
control items for display according to the personalized arrangement.

US Pat. No. 10,511,709

METHODS AND SYSTEMS FOR AUTHENTICATING A USER ON A CALL

United Services Automobil...

1. A computer-implemented method comprising:receiving, via a communications network, a call from a caller made via a device, wherein the device is identified by a unique identifier;
identifying, by a processor, a user profile of a user associated with the device based on the unique identifier;
determining, by the processor, an enrollment status in a quick access service of the device from the user profile, wherein the quick access service allows the user to be authenticated by providing only a user verifier, wherein the user verifier does not include personally identifiable information;
in response to the device meeting criteria, wherein the criteria includes an enrollment status of the device being not enrolled in the quick access service:
determining when an enrollment request was last offered to the user;
determining a length of time between when the last enrollment request was offered and the call; and
offering to enroll the device into the quick access service in response to determining that the length of time exceeds a threshold period of time.

US Pat. No. 10,021,097

SYSTEMS AND METHODS FOR UPGRADING AUTHENTICATION SYSTEMS

UNITED SERVICES AUTOMOBIL...

1. A method comprising:receiving, at an authentication engine, biometric information in connection with an authentication request from a user;
authenticating, by a first authentication system, the user by comparing characteristics generated from the biometric information received in connection with the authentication request with characteristics generated from previously collected biometric information, the characteristics generated from the previously collected biometric information collected during a first enrollment process generated using the first authentication system;
automatically enrolling the user into a second authentication system using the biometric information received in connection with the authentication request by deriving characteristics of the biometric information using the second authentication system,
wherein the user is enrolled without requesting additional enrollment information from the user;
deleting the biometric information received in connection with the authentication request after the characteristics of the biometric information are derived using the second authentication system; and
running the first authentication system in parallel with the second authentication system until a criteria is met, wherein the second authentication system is a replacement authentication system.

US Pat. No. 10,015,320

METHODS, SYSTEMS, AND COMPUTER-READABLE MEDIA FOR TRANSFERRING OR RECOVERING A COMMUNICATION BETWEEN A NUMBER OF PARTICIPANTS

United Services Automobil...

1. A computer-implemented method for conducting a communication, the method comprising:determining a context associated with a communication between a first participant and a second participant while the communication is occurring on a main path of a communication channel via a communication network, wherein the communication channel is split into the main path and a dormant path for a failover purpose;
determining an occurrence that results in a failure of the communication;
determining that a duration of the failure of the communication will exceed a threshold;
in response to determining that the duration of the failure of the communication will exceed the threshold, instantiating the dormant path of the communication before the duration of the failure reaches the threshold and sending a notification of the failure of the communication to the first participant before the duration of the failure of the communication reaches the threshold; and
resuming the communication based, at least in part, on the determined context using the instantiated dormant path.

US Pat. No. 10,013,983

SELECTIVE PASSIVE VOICE AUTHENTICATION

UNITED SERVICES AUTOMOBIL...

1. A computer-implemented method executed by at least one processor, the method comprising:receiving, by the at least one processor, first voice data from a user device, the first voice data comprising audio data of a user speaking a first voice command; and
determining, by the at least one processor, that the first voice command comprises a voice command for which voice recognition can be performed and, in response, initiating a passive authentication scheme for selectively enabling access to secure data in response to the first voice command, the passive authentication scheme comprising:
providing, by the at least one processor, the first voice data for voice recognition, and
receiving, by the at least one processor, an indication that the user is authenticated based on the voice recognition and, in response, allowing access to a back-end system.

US Pat. No. 9,716,684

AUTOMATED DELAYED MESSAGE REDELIVERY

United Services Automobil...

1. A system comprising:
a processor; and
memory storing instructions that cause the processor to effectuate operations, the operations comprising:
modifying a message format of an event message upon occurrence of a predetermined event, said event message containing information
pertaining to said predetermined event, said message format defining a data portion and an unused portion after modification;

storing message retry information to the unused portion based on said message format; and
publishing said event message to at least one subscriber.

US Pat. No. 9,706,173

ROOF INSPECTION DEVICES, METHODS, AND SYSTEMS

United Services Automobil...

1. A device, comprising:
an extendable pole having a plurality of carbon fiber pole sections between a first end and a second end;
a number of flexible spherical shaped members coupled in series to the first end of the extendable pole;
a camera mount coupled to one of the number of flexible spherical shaped members;
a camera releasably coupled to the camera mount and configured to capture an image of a roof; and
a stabilizer coupled to a surface of at least one of the plurality of carbon fiber pole sections, the stabilizer adapted to
stabilize the extendable pole on the roof as the second end is operated by a user on a ground surface to capture the image,
the stabilizer comprising:

a plurality of extendible legs, each leg having a first leg end and a second leg end;
a coupling member coupling the surface of at least one of the plurality of carbon fiber pole sections to the first leg end
of each of the plurality of extendible legs; and

a plurality of wheels arranged to engage the roof, wherein each wheel of the plurality of wheels is coupled to the second
leg end of a respective one of the plurality of extendible legs.

US Pat. No. 9,648,161

EDGE INJECTED SPEECH IN ELECTRONIC COMMUNICATIONS

United Services Automobil...

1. A computer-implemented method executed by at least one processor, the method comprising:
receiving, by the at least one processor, an input from a user of a first communication device, the input being received during
an electronic communication with a second communication device and the input directing the one or more processors to inject
a recorded statement in the user's voice into an electronic media stream, the recorded statement in the user's voice being
stored in a computer-readable file, wherein data associated with the input includes data identifying the user from whom the
input was received;

in response to receiving the input, identifying, by the at least one processor and based on the data associated with the input,
the recorded statement in the user's voice from among a plurality of recorded statements recorded in voices of users other
than the user;

selecting the identified recorded statement in the user's voice to be inserted into the electronic media stream; and
inserting, by the at least one processor, the recorded statement in the user' s voice into the electronic media stream.

US Pat. No. 10,438,107

FINANCIAL SERVICES CARDS INCLUDING BRAILLE

United Services Automobil...

1. A financial services card, comprising:a card substrate; and
multiple rows of braille-encoded characters formed on the card substrate, at least a portion of the braille-encoded characters encoding an account number that is associated with the financial services card being distributed between a first row and a second row of the multiple rows, and additional information associated with the financial services card being braille-encoded in a third row.

US Pat. No. 10,163,349

IMPACT INDUCED LIGHTING TO MITIGATE POST-ACCIDENT RISK

United Services Automobil...

1. A safety lighting system coupled to an automotive vehicle, wherein the safety lighting system comprises:a power source that is independent of an electrical system of the vehicle;
wireless communication circuitry electrically coupled to the power source; and
a lighting feature disposed in an interior and an exterior of the automotive vehicle and electrically coupled to the power source, wherein
the lighting feature is configured to activate to illuminate the interior and the exterior of the automotive vehicle to provide emergency lighting to occupants of the automotive vehicle in response to an impact event, and wherein the wireless communication circuitry is configured to emit a wireless beacon signal in response to the impact event.

US Pat. No. 10,163,160

METHOD AND SYSTEM FOR PERFORMING HOMEOWNER'S INSURANCE INSURABILITY ANALYSIS

United Services Automobil...

1. A method comprising:receiving, from a location sensor in a user device associated with a prospective home buyer, a device location, wherein the location sensor includes a global positioning system (GPS);
receiving real estate search criteria from the user device associated with the prospective home buyer by a computer system associated with an entity that issues homeowner's insurance;
determining, by the computer system and using a real estate database, at least one house that matches the real estate search criteria based at least in part on the device location;
retrieving, by the computer system, from a proprietary geohazard database, geohazard characteristics that are linked with each of the at least one house;
analyzing, in substantially real-time, the geohazard characteristics;
determining that the at least one house qualifies for homeowner's insurance based on analysis of the geohazard characteristics;
determining an insurance cost based on the analysis the geohazard characteristics;
transmitting, by the computer system to the user device in substantially real-time, an indication that the at least one house qualifies for homeowner's insurance and the insurance cost;
retrieving, by the computer system, from a third database, prospective purchaser characteristics related to a prospective purchaser;
determining, by the computer system, using characteristics comprising the geohazard characteristics and non-geohazard characteristics related to the at least one house and the prospective purchaser characteristics, total cost of ownership information comprising estimated utility costs, estimated property taxes, and estimated mortgage expenses;
transmitting, by the computer system, to the user device, the total cost of ownership information for the at least one house; and
causing to be displayed, on a user interface of the user device, real estate search results including a listing associated with the at least one house, wherein the listing comprises a first indicator that the respective house qualifies for homeowner's insurance and an additional indicator of the respective insurance cost wherein the respective insurance cost includes a detail display, and wherein the detail display includes a baseline premium independent of the geohazard characteristics, a geohazard premium based on the geohazard characteristics, and the total cost of ownership information.

US Pat. No. 9,712,522

BANK SPEECH AUTHENTICATION

United Services Automobil...

1. A system comprising:
a processor; and
a non-transitory computer-readable medium storing computer executable instructions thereon executed by the processor to:
determine, by the processor, a number of inputs required for a user to access an enterprise, wherein the number of inputs
correlates to a plurality of flags stored in a user profile database, and wherein each input is defined by the user to access
a level of security in the enterprise;

receive, by the processor, from an electronic client device associated with the user, a first input, wherein the first input
is associated with the user profile, wherein the first input, if successful, results in the processor authenticating the user
and providing the user with access to a first level of security in the enterprise;

receive, by the processor, from the electronic client device, at least one of an IP address and a globally unique identifier
associated with the electronic client device; and

authenticate, by the processor, the user in association with the user profile database to provide access to a second level
in the enterprise, wherein the second level of security is more restricted than the first level of security, wherein the processor
authenticates the user based on the first input and at least one of an IP address and a globally unique identifier associated
with the electronic client device matching a pre-determined IP address and globally unique identifier within a database associated
with the processor.

US Pat. No. 9,659,011

METHOD AND SYSTEM FOR INTERFACE PRESENTATION

United Services Automobil...

1. A method comprising:
determining, by a computing device having a computer processor and computer-readable code stored on a computer-readable medium
and executable by the computer processor, personal characteristic information of a user;

wherein the determining of the personal characteristic information of the user is based on a monitoring of a plurality of
web sites visited by the user;

selecting, by the computing device, a user access profile level for the user among a plurality of available user access profile
levels in accordance with the personal characteristic information;

selecting, by the computing device, an application in accordance with the user access profile level;
notifying the user of an availability of the application;
receiving a request from the user to access the application with a first application interface;
receiving an access profile level modification request from the user;
assessing a functional ability of the user to utilize the application through the first application interface using a functional
ability assessment subsystem;

altering the user access profile level for the user in accordance with:
the receiving of the access profile level modification request, and
the functional ability of the user to utilize the application through the first application interface;
selecting a replacement application interface to the application in accordance with the altered user access profile level;
and presenting the replacement application interface to the user.

US Pat. No. 10,447,677

MOBILE APPLICATION AUTHENTICATION INFRASTRUCTURE

United Services Automobil...

1. A computer-implemented method comprising:receiving, at network interface component of a computing device, communications from a server, wherein the communications include server-side information associated with multiple authentication challenges;
identifying, by the computing device, the authentication challenges in the communications from the server;
sorting the authentication challenges by a level of authentication required;
prior to responding to the authentication challenges, creating, by a processor of the computing device, an authentication plan to satisfy the authentication challenges with a fewer number of communications than required for satisfying the authentication challenges without the authentication plan, wherein creating the authentication plan includes:
accessing stored user information and user preferences related to responding to the authentication challenges,
requesting the user to provide credentials in a single response to the authentication challenges,
wherein the credentials associated with the single response satisfy a first level of authentication, and
queuing one or more of the authentication challenges having the first level of authentication or a lower level of authentication required than the first level of authentication; and
executing, by the computing device, the authentication plan to respond to the authentication challenges.

US Pat. No. 10,002,639

SANITIZATION OF VOICE RECORDS

United Services Automobil...

1. A computer-implemented method for sanitizing digital audio recordings, the method comprising:identifying confidential information in a transcription of an audio file; and
altering at least a portion of the audio file to remove the identified confidential information, comprising:
identifying a type of confidential information in the audio file;
obtaining an audio cue that identifies with the type of confidential information; and
replacing the confidential information in the audio file with the audio cue that identifies the type of confidential information that was replaced.

US Pat. No. 9,904,848

CHARACTER COUNT DETERMINATION FOR A DIGITAL IMAGE

United Services Automobil...

1. A method comprising:
in an electronic device comprising a memory for holding document image data and processor in communication with the memory,
the processor:

receiving a financial document image;
identifying a text chunk in the financial document image according to a first image processing system wherein the text chunk
has a chunk start column and a chunk end column;

beginning with the chunk start column and continuing until the chunk end column is reached, identifying a character of the
text chunk, without recognizing any particular character in the text chunk, by:

determining a first column of a character as the character start column based on a number of black pixels in the column; and
determining a second column of a character as the character end column based on a number of white pixels in the column; and,
incrementing a character count value when a character end column is determined.

US Pat. No. 9,858,565

GPS VALIDATION FOR TRANSACTIONS

UNITED SERVICES AUTOMOBIL...

1. A computerized method comprising:
receiving, by a virtual retail location of a merchant from a transacting computing device, an account identifier associated
with a user;

receiving a location of the transacting computing device;
receiving, by a location verification module integrated with a merchant computing device of the merchant, information related
to a location and a time of a user device associated with the account identifier;

comparing, by the location verification module integrated with the merchant computing device of the merchant, the location
of the user device with the location of the transacting computing device;

determining, by the location verification module integrated with the merchant computing device of the merchant, whether the
location of the user device is within a range of the location of the transacting computing device;

receiving, by the virtual retail location of the merchant, a request for a transaction; and
canceling the transaction prior to transmitting a transaction authorization request to a transaction validation system when
the location of the user device is not within the range of the location of the transacting computing device.

US Pat. No. 9,818,090

SYSTEMS AND METHODS FOR IMAGE AND CRITERION MONITORING DURING MOBILE DEPOSIT

United Services Automobil...

1. A system comprising:
an image capture device;
a presentation device; and
a processor in communication with the image capture device and the presentation device, the processor configured to:
monitor a target document in a field of view of the image capture device with respect to a monitoring criterion;
control the presentation device to present feedback information describing an instruction for satisfying the monitoring criterion;
determine whether the monitoring criterion is satisfied based on the target document in the field of view of the image capture
device; and

when the monitoring criterion is determined to be satisfied, control the image capture device to capture an image depicting
the target document in the field of view of the image capture device.

US Pat. No. 9,706,172

ROOF INSPECTION DEVICES, METHODS, AND SYSTEMS

United Services Automobil...

1. A roof inspection device, comprising:
a pole adapted to extend to a height of a roof;
a camera coupled to an end of the pole, the camera having a first width perpendicular to a longitudinal axis of the pole;
and

an attachment coupled to the pole and arranged to stabilize the pole on the roof when the pole is arranged such that the camera
is positioned to capture an image of the roof and a second end of the pole is held by a user on a ground surface, the attachment
comprising:

a coupling member coupled to the pole;
a base member coupled to the coupling member; and
a plurality of wheels coupled to the base member and arranged to engage the roof,
the base member comprising a rectangular frame having a central gap and a second width perpendicular to the longitudinal axis,
the second width greater than the first width,

wherein the camera is configured to send the image to a mobile device over a wireless network created by the mobile device.

US Pat. No. 10,116,699

SYSTEMS AND METHODS FOR NETWORK SECURITY

United Services Automobil...

1. A computer-implemented method, comprising:obtaining a whitelist of resource access sources that are allowed to use a particular resource access account to access a particular resource on a computer resource;
detecting an access attempt to the particular resource;
identifying a source, from which the access attempt originated, and a resource access account used in the access attempt;
determining, by referencing the whitelist, if the source, from which the access attempt originated, is allowed to use the resource access account used in the access attempt; and
performing one or more mitigation tasks if the source, from which the access attempt originated, is not allowed to use the resource access account used in the access attempt, wherein the one or more mitigation tasks comprises restricting access to the particular resource by the source, from which the access attempt originated, only after a threshold number of access attempts are performed by the source, from which the access attempt originated, using the resource access account.

US Pat. No. 10,033,861

METHODS AND SYSTEMS FOR MULTIPLE CHANNEL AUTHENTICATION

UNITED SERVICES AUTOMOBIL...

1. A method comprising:receiving a request to initiate a session with an organization over a first channel, the request initiated within an application on a device associated with a user;
transferring the session from the first channel to a second channel, the transferring of the session initiated from within the application, the application allowing the user to engage in activities through the application after authentication;
wherein transferring the session from the first channel to the second channel includes transferring the authentication from the first channel to the second channel to allow pass-through authentication to the organization, wherein the authentication provides a level of authentication for the user;
acquiring, in connection with the transfer, data related to existing or prior activities on the device;
determining whether the data related to the existing or prior activities on the device is sufficient to determine a routing for the transfer;
routing the transfer to an interactive voice response system when the data related to the existing or prior activities on the device is insufficient to determine a routing for the transfer; and
routing the transfer to the organization based at least in part on the data related to the existing or prior activities on the device when the data related to the existing or prior activities on the device is sufficient to determine a routing for the transfer,
wherein the data related to the existing or prior activities on the device is sufficient to determine the routing when the transfer is initiated from a specific tab within the application.

US Pat. No. 10,034,174

SYSTEMS AND METHODS FOR AUTHENTICATING A CALLER USING BIOMETRIC AUTHENTICATION

UNITED SERVICES AUTOMOBIL...

1. A method of authenticating a caller comprising:receiving, via a first network, a call from a device associated with a caller;
determining an identity of the caller based at least in part on characteristics of the device;
determining whether the caller is qualified for authentication via a first method of authentication;
when the caller is qualified for the first method of authentication, collecting authentication credentials via the first type of authentication;
when the caller is unqualified for the first method of authentication, determining whether the caller is qualified for authentication via a second method of authentication;
when the caller is qualified for authentication via the second method of authentication:
sending, via a second network, to an issuer of the device a request to initiate a biometric authentication process on the device, wherein biometric credentials are received by the device,
receiving, via the second network, from the issuer of the device an indication of whether the biometric credentials were verified, and
authenticating the caller to the call or requiring additional authentication credentials based on whether the biometric credentials were verified; and
authenticating the caller via a third method of authentication when the call is received via a landline network.