USAA had 47 patents in digitalization during Q1 2024. USAA’s patent filed in Q1 2024 describes methods and systems for connecting consumers with participating merchants through a wish list. The user’s location is used to generate personalized offers from merchants, with the total cost of the offer calculated and communicated to the user. GlobalData’s report on USAA gives a 360-degree view of the company including its patenting strategy. Buy the report here.

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USAA grant share with digitalization as a theme is 97% in Q1 2024. Grant share is based on the ratio of number of grants to total number of patents.

Recent Patents

Application: Systems and methods for facilitating purchases (Patent ID: US20240046320A1)

The patent filed by USAA describes methods and systems for a program involving merchants and consumers. The method involves receiving a wish list from a user, publishing it to participating merchants, determining the user's location, receiving offers from merchants based on the user's location, calculating the total cost of the offer, and notifying the user. The system includes processors and memories to execute the process, which also involves providing a device location, receiving offers, sending an indication of lack of funds, and receiving an offer for a line of credit to cover the cost.

The claims detail the steps involved in the method, such as selecting items or services, providing location information, receiving offers, sending notifications, and accepting a line of credit offer. The system and non-transitory computer-readable medium also outline additional operations like publishing events to merchants, receiving second offers, depositing funds into an escrow account, sending notifications of credit acceptance, and receiving receipts for services. The patent also specifies that the line of credit can be funded by program participants or the organization operating the program, with interest received on the credit. Additionally, the total cost of offers may include transportation costs based on the user's location.

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GlobalData, the leading provider of industry intelligence, provided the underlying data, research, and analysis used to produce this article.

GlobalData Patent Analytics tracks bibliographic data, legal events data, point in time patent ownerships, and backward and forward citations from global patenting offices. Textual analysis and official patent classifications are used to group patents into key thematic areas and link them to specific companies across the world’s largest industries.