Company patents

United Services Automobile Association (USAA)

United Services Automobile Association (USAA) demonstrates a strong, albeit shifting, focus on fintech and security, with Business Methods & Fintech comprising 45.3% of its portfolio. While categories like Databases & Information Retrieval saw rapid growth in 2024 (YoY +124.1%) and Web & Cloud Service Protocols also surged (YoY +111.8%), the overall trend in 2025 and so far in 2026 indicates a significant decline in patenting across most categories, suggesting a reprioritization of its innovation efforts.

Patent Trend by Technology Area

Yearly patent publications since 2023

Product themes

Product-level themes inferred from filings since 2023, with category chips showing where each theme appears. Select a theme to filter the patents below.

1,105 US filings (since 2023) · 12 categories · 37 themes

Automated Transaction Systems

Systems designed to streamline and automate various commercial transactions, including mobile-enhanced processes, secure online checkouts, customer service interactions, and privilege issuance, often leveraging digital authentication.

Business Methods & Fintech
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164since 2023
-32.3%YoY
Access Control & Identity Management

Systems and methods for authenticating users, devices, or applications, authorizing their access to resources based on policies, and managing digital identities across various platforms.

Network Security & Access ControlComputer SecurityWeb & Cloud Service Protocols
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149since 2023
-16.4%YoY
Automated Call Handling & Routing

Systems and methods for automatically managing telephone calls, including intelligent routing based on various criteria, scheduling callbacks, and processing emergency calls.

Telephone Equipment
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81since 2023
-44.1%YoY
Damage Detection & Structural Assessment

Automated systems using image processing and artificial intelligence to identify, classify, and assess the extent of damage to structures or objects, supporting maintenance or insurance claims.

Image Processing
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70since 2023
-24.0%YoY
Wearable & Mobile Interaction

Designing user interfaces and interaction methods specifically for mobile or wearable devices, enabling control of external systems, monitoring user states, or facilitating real-world transactions.

Input/Output & User Interfaces
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63since 2023
-26.1%YoY
Granular Data Encryption & Access Control

Systems and methods for encrypting data at a fine-grained level (e.g., per data unit or based on sensitivity) and controlling access to it, often involving delegated authorization, contextual policies, or secure data sharing.

Cryptographic Mechanisms
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59since 2023
-31.8%YoY
Collaborative User Experiences

User interface designs and systems that enable multiple users to interact with shared content, provide feedback, or coordinate activities, often across different devices or locations.

Input/Output & User Interfaces
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42since 2023
-72.0%YoY
Secure Data Sharing & Rights Management

Mechanisms to facilitate the secure exchange of data between different entities or systems while enforcing usage policies, managing digital content rights, and ensuring data consistency during replication or transfer.

Computer Security
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41since 2023
-42.1%YoY
Blockchain for Secure Transactions & Identity

Focuses on using distributed ledger technology (DLT) like blockchain to secure financial transactions, manage digital identities, or ensure data integrity and traceability across various applications.

Cryptographic Mechanisms
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35since 2023
-43.8%YoY
Digital Asset Management

Technologies for securing, managing, and transacting with virtual currencies, non-fungible tokens (NFTs), and other blockchain-based digital assets, including hardware wallets and tokenization schemes for various purposes.

Business Methods & Fintech
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34since 2023
+9.1%YoY
Personalized Recommendationsfiltered

Systems that use user data, preferences, and machine learning to generate tailored advice, product recommendations, goal-setting plans, or contextual information for individuals across different domains.

Business Methods & Fintech
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33since 2023
-42.9%YoY
Airspace & Drone Traffic Management

Systems and methods for monitoring, controlling, and optimizing the movement of unmanned aerial vehicles (UAVs) and other aircraft, including real-time connectivity, flight planning, and route modification.

Wireless Networks
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33since 2023
-42.9%YoY
Network Intrusion Detection

Systems and methods for identifying and blocking unauthorized access, malicious activities, or abnormal behavior within a network by analyzing traffic, system logs, or behavioral patterns.

Network Security & Access Control
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27since 2023
-71.4%YoY
AR/VR User Interfaces

Techniques for rendering, interacting with, and managing content within augmented or virtual reality environments, including spatial tracking, gaze interaction, and dynamic multi-application display management.

Input/Output & User Interfaces
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26since 2023
-75.0%YoY
Intelligent Decision Support

Systems that process data to provide personalized recommendations, predict events, or automate decision-making processes based on learned patterns, user behavior, or environmental factors.

Databases & Information Retrieval
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21since 2023
-40.0%YoY
Specialized Data Integration

Methods and systems for integrating, transforming, and managing complex or domain-specific data from disparate sources into a unified structure, often for specific applications like social networks, genomics, or business forms.

Databases & Information Retrieval
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19since 2023
0.0%YoY
Video Enhancement & Object Tracking

Methods and systems for improving the quality of video streams, generating intermediate frames, or continuously locating and following objects within a sequence of images, even under occlusion.

Image Processing
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18since 2023
0.0%YoY
IoT Device & Network Management

Methods and systems for monitoring, controlling, and managing Internet of Things (IoT) devices and their communication networks, often involving adaptive or intelligent frameworks for data acquisition, relay, and automation.

Web & Cloud Service Protocols
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18since 2023
-57.1%YoY
Distributed Cloud/Edge Processing

Techniques for distributing computational tasks, data storage, and service logic across cloud data centers, edge devices, and user equipment to improve performance, resilience, or resource utilization. This includes architectures for split rendering, decentralized ledgers, and microservices.

Web & Cloud Service Protocols
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18since 2023
-77.8%YoY
Location-Aware Mobile Services

Mobile applications and systems leveraging wireless communication and location data (e.g., GPS, RFID, geo-fencing) to provide context-specific services, transactions, or user interactions.

Wireless NetworksTelephone Equipment
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15since 2023
-20.0%YoY
Context-Aware Conversational AI

AI systems designed to engage in natural language dialogue, maintain conversation state, understand user intent, and generate relevant responses, often across multiple communication channels or modalities.

Telephone Equipment
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15since 2023
-40.0%YoY
Data Integration & Content Delivery Platforms

Platforms and methods for aggregating data from diverse sources, generating dynamic content, and delivering it efficiently to users, often involving social media, programmatic advertising, or interactive experiences within cloud environments.

Web & Cloud Service Protocols
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15since 2023
-75.0%YoY
Video Quality & Encoding Optimization

Methods and apparatus for improving the visual fidelity, resolution, or compression efficiency of video signals, often through advanced processing, up-scaling, or neural network-based filters.

Computer Vision
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12since 2023
-28.6%YoY
Emergency & Safety Communication Systems

Technologies for transmitting critical alerts and information during emergencies, often involving wireless networks, specialized devices, and protocols to ensure timely and targeted communication to users or emergency services.

Wireless Networks
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12since 2023
+66.7%YoY
AI/ML for Cryptographic Security

Applying artificial intelligence and machine learning techniques to enhance cryptographic systems, such as generating encryption models, improving zero-trust architectures, or enabling privacy-preserving computations like federated learning.

Computer SecurityCryptographic Mechanisms
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11since 2023
+50.0%YoY
Secure Data Storage & Provenance

Techniques for protecting data at rest or in backup, ensuring its integrity, confidentiality, and verifiable origin, often involving encryption, unique identifiers, or secure repositories.

Computer SecurityNetwork Security & Access Control
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9since 2023
+100.0%YoY
Secure Communication Protocols

Technologies for establishing and maintaining secure communication channels between devices or networks, often employing encryption, secure protocols, or virtual private networks (VPNs).

Network Security & Access Control
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6since 2023
n/a
Multi-modal Sensor Fusion

Techniques for combining data from disparate sensor types (e.g., cameras, radar, mobile device signals) to achieve a more robust and comprehensive understanding of an environment or subject, often leveraging machine learning for interpretation and correlation.

Computer Vision
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4since 2023
+100.0%YoY
Multimodal Data Fusion

Techniques for combining and analyzing information from multiple distinct data modalities (e.g., text, image, video, audio, sensor data) to derive richer insights or improve system performance and decision-making.

Machine Learning & AIDatabases & Information Retrieval
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4since 2023
-66.7%YoY
AI for Medical Diagnostics

Utilizing machine learning, particularly deep learning, to analyze medical data such as images, sensor readings, or physiological signals for disease prediction, diagnosis, or treatment assessment.

Machine Learning & AI
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4since 2023
new
Quantum Machine Learning

Developing and applying machine learning algorithms that leverage quantum computing principles, such as quantum circuits or autoencoders, for tasks like simulation or data processing.

Machine Learning & AI
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3since 2023
new
Interactive 3D Data Visualization

Methods and systems for displaying complex data in three-dimensional graphical formats, allowing users to manipulate, explore, and derive insights from the data through interactive controls.

Input/Output & User Interfaces
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2since 2023
n/a
Federated & Distributed ML

Methods for training machine learning models across multiple decentralized devices or servers while keeping data localized, often involving aggregation of model parameters and secure communication.

Machine Learning & AI
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1since 2023
new
Sensor-based Environment Perception

Techniques and hardware for autonomous systems to gather and interpret data about their surroundings, including obstacle detection, object recognition, and depth estimation, to inform control decisions.

Computer Vision
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1since 2023
n/a
Connected Vehicle Communication (V2X)

Systems enabling wireless communication between vehicles (V2V), vehicles and infrastructure (V2I), or vehicles and other entities (V2X) to share information for traffic management, safety, and navigation.

Wireless Networks
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1since 2023
n/a
Hardware-Assisted Cryptographic Operations

Utilizing dedicated hardware components, secure enclaves, or trusted execution environments to perform cryptographic operations, enhancing security, performance, or isolation from software vulnerabilities.

Cryptographic Mechanisms
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1since 2023
n/a
Secure Key Management & Rotation

Methods and systems for generating, distributing, updating, rotating, and securely destroying cryptographic keys to maintain data confidentiality and integrity over time, including quantum key distribution.

Cryptographic Mechanisms
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1since 2023
n/a

Patents

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