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    Determining policy characteristics based on route similarity
    2.
    发明授权
    Determining policy characteristics based on route similarity 有权

    公开(公告)号：US11330018B1

    公开(公告)日：2022-05-10

    申请号：US16997284

    申请日：2020-08-19

    申请人： United Services Automobile Association (USAA)

    发明人： Bharat Prasad ,  Vijay Jayapalan ,  Michael Kyne ,  Joel T. Camarano ,  Charles Lee Oakes, III ,  Gunjan C. Vijayvergia ,  Christine Marie Brown

    IPC分类号： H04L29/06

    摘要： Techniques are described for adjusting policy characteristics based on a determined similarity between routes. A similarity metric may be determined indicating the similarity between a first route followed by a vehicle and/or driver and a second (e.g., previous) route followed by the vehicle and/or driver. A similarity metric may indicate the similarity in movements, and changes in movement, exhibited by the vehicle on the routes. The similarity metric may be determined through analysis of real time data collected by in-vehicle sensor(s), mobile user device(s), external sensors or other data sources. Based on the similarity metric, a premium, a deductible, a price, or other characteristic(s) of a policy may be determined. In some examples, policy characteristics may be adjusted (e.g., in real time) based on the analysis according to changing risk conditions if a driver is following routes that are dissimilar from typical routes.

    Public authentication systems and methods
    4.
    发明授权
    Public authentication systems and methods 有权

    公开(公告)号：US11201862B1

    公开(公告)日：2021-12-14

    申请号：US16784087

    申请日：2020-02-06

    申请人： United Services Automobile Association (USAA)

    发明人： Bharat Prasad ,  Charles Lee Oakes, III ,  Gunjan C. Vijayvergia ,  Vijay Jayapalan ,  Thomas Bret Buckingham

    IPC分类号： H04L29/06 ,  G06Q20/10

    摘要： Techniques provided herein relate to electronic authentication on public systems. A backend system receives at least one electronic data action request from a publicly available client system that is shared amongst a plurality of users. At least a portion of the primary authentication information is received from a secondary device separate from the publicly available client system. The electronic data action request is authenticated by determining if the primary authentication information matches expected primary authentication information that is expected to complete the electronic data action request. Performance of the electronic data action request is facilitated when the primary authentication information matches the expected primary authentication information.

    Database allocation and analytics for service call centers
    6.
    发明授权
    Database allocation and analytics for service call centers 有权

    公开(公告)号：US10931827B1

    公开(公告)日：2021-02-23

    申请号：US16824311

    申请日：2020-03-19

    申请人： United Services Automobile Association (“USAA”)

    发明人： Vijay Jayapalan ,  Gregory Yarbrough ,  Eric Smith

    IPC分类号： H04M3/523 ,  G06Q10/06

    摘要： A method for routing customer service requests to call centers includes collecting data associated with customer service experience between a customer and a call center regarding a completed customer call. The collected data is analyzed to determine a quality of customer service for one or more completed calls between the customer and the call center. A nature of an incoming customer call is determined. The incoming customer call is routed to a call center based upon making reference to the analyzed collected data such that the nature of the customer call matches with corresponding one or more favorable attributes of the call center.