IP Library › Granted Patent US 12,449,359
Granted Patent B1
US 12,449,359 · App. 17/353,370 · Granted Oct 21, 2025

Property analysis using sensors

Inventors: Gideon Bowie Luck (Wylie, TX); Stacy Callaway Huggar (San Antonio, TX)
Assignee: United Services Automobile Association (USAA)
G01N21/6404G01N21/6408
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Quick Facts
Patent No.
US 12,449,359
App. No.
17/353,370
Granted
Oct 21, 2025
Kind
B1
Abstract

Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for valuing and or authenticating property. An example system includes a sensor system and a computer system. The sensor system includes one or quantum sensors, and is configured to generate first sensor data representing one or more molecular properties of a first object at a first time. The computer system is configured, at least, to: receive the first sensor data from the sensor system; obtain model data representing one or more molecular properties of a model object; generate, based on the first sensor data and the model data, a comparison between the one or more molecular properties of the first object at the first time and the one or more molecular properties of the model object; and determine an authenticity of the first object based on the comparison.

Claims (70)

1. A system comprising:

a sensor system comprising:

one or more radiation emitters, each configured to emit electromagnetic radiation in a different frequency band, and

one or more sensors, each sensor tuned to measure electromagnetic radiation in a particular frequency band, wherein the sensor system is configured to generate first sensor data representing measurements of a physical object by the sensors at a first time, wherein at least one sensor is configured to generate a sensor output signal indicating an intensity and a frequency of electromagnetic radiation detected by an associated radiation detector, and wherein the sensor output signal is included in the first sensor data; and

a computer system comprising one or more processors, wherein the computer system is configured to:

control the sensor system to emit electromagnetic radiation;

receive the first sensor data from the sensor system, wherein the first sensor data includes data tags indicating characteristics associated with the data, and wherein the data tags indicate at least one of a sensor position data, measurement time data, spectral frequency data;

determine, using the one or more processors, molecular properties of the physical object by applying the sensor data as input to a machine learning algorithm trained to correlate patterns of electromagnetic intensity and frequency measurements from the sensors with molecular compositions from a library of known radiation patters for elements and molecules;

store, in a memory of the computer system, the molecular properties of the physical object and the sensor data as a signature of the physical object;

obtain, from the memory of the computer system, test model data representing one or more molecular properties of a test model object;

generate, using the one or more processors and based on the first sensor data and the test model data, a comparison between the molecular properties of the physical object at the first time and the one or more molecular properties of the test model object;

determine an authenticity of the physical object based on the comparison;

cause a graphical user interface indicating the authenticity of the physical object to be displayed on a display device; and

adjusting, by a policy generator, an insurance policy associated with the physical object.

2. The system of claim 1 , wherein the one or molecular properties of the physical object at the first time comprise at least one of:

a molecular composition of the physical object at the first time, or

a crystal structure of the physical object at the first time.

3. The system of claim 2 , wherein the one or molecular properties of the model object comprise at least one of:

a molecular composition of the model object, or

a crystal structure of the model object.

4. The system of claim 2 , further comprising a second sensor system configured to monitor an environment of the physical object and generate second sensor data representing one or more properties the environment of the physical object.

5. The system of claim 4 , wherein the one or more properties of an environment of the physical object comprise at least one of:

an amount of light in the environment,

a humidity of the environment,

a temperature of the environment, or

an amount of air pollution in the environment.

6. The system of claim 1 , wherein the physical object is at least one of:

a gemstone,

an item of jewelry, or

a precious metal.

7. The system of claim 1 , wherein the computer system is configured to:

determine, based on the first sensor data, a first molecular signature uniquely identifying the physical object from among a plurality of other objects at the first time, and

store the first molecular signature in association with an insurance profile of the physical object.

8. The system of claim 1 , wherein the sensor system is configured to generate second sensor data representing one or more properties of the physical object at a second time, and

wherein the computer system is configured to generate, based on the first sensor data and the second sensor data, a comparison between the one or more molecular properties of the physical object at the first time and the one or more molecular properties of the physical object at the second time.

9. The system of claim 8 , wherein the computer system is configured to:

estimate a change in value of the physical object at the second time based on the comparison between the one or more molecular properties of the physical object at the first time and the one or more molecular properties of the physical object at the second time.

10. The system of claim 8 , wherein the computer system is configured to:

estimate a change in value of the physical object at a third time based on the comparison between the one or more molecular properties of the physical object at the first time and the one or more molecular properties of the physical object at the second time, wherein the third time is subsequent to the first time and the second time.

11. The system of claim 8 , wherein the computer system is configured to:

select, based on the comparison between the one or more molecular properties of the physical object at the first time and the one or more molecular properties of the physical object at the second time, a valuation model from among multiple valuation models; and

estimate, based on the selected valuation model and the comparison between the one or more molecular properties of the physical object at the first time and the one or more molecular properties of the physical object at the second time, that a value of the physical object will be greatest at a third time, wherein the third time is subsequent to the first time and the second time.

12. The system of claim 8 , wherein the computer system is configured to:

determine, based on the comparison between the one or more molecular properties of the physical object at the first time and the one or more molecular properties of the physical object at the second time, that the physical object had been altered between the first time and the second time.

13. The system of claim 12 , wherein determining that the physical object had been altered comprises at least one of:

determining that the physical object had been damaged between the first time and the second time, or

determining that a portion of the physical object had been replaced between the first time and the second time.

14. The system of claim 1 , wherein the computer system is configured to:

determine, based on the authenticity of the physical object, one or more financial products for a user associated with the physical object, and

cause the one or more financial products to be indicated on the graphical user interface.

15. The system of claim 1 , wherein at least one of the sensors comprises:

a radiation detector; and

a signal processor.

16. A system comprising:

a sensor system comprising sensors, wherein the sensor systems is configured to generate sensor data representing one or more molecular properties of a physical object, the sensor system comprising:

a plurality of sensors, each tuned to measure electromagnetic radiation in a particular frequency band;

one or more radiation emitters, each configured to emit electromagnetic radiation in a different frequency band towards the physical object;

one or more signal processors configured to generate sensor data indicating an intensity and a frequency of electromagnetic radiation detected by an associated detector; and

a network interface configured to transmit the sensor data to computing systems;

a computer system comprising one or more processors, wherein the computer system is configured to:

control the sensor system to emit electromagnetic radiation;

receive the sensor data from the sensor system;

determine, using the one or more processors, molecular properties of the physical object by applying the sensor data as input to a machine learning algorithm trained to correlate patterns of electromagnetic intensity and frequency measurements from the sensors with molecular compositions from a library of known radiation patters for elements and molecules;

store, in a memory of the computer system, the molecular properties of the physical object and the sensor data as a signature of the physical object;

obtain, from the memory of the computer system, test model data representing one or more molecular properties of a test model object;

generate, using the one or more processors and based on the sensor data and the test model data, a comparison between the molecular properties of the physical object and the one or more molecular properties of the test model object, the comparison comprising a statistical representation of how closely the molecular properties of the physical object compare with molecular properties of the test model object contained in the test model data; and

determine an authenticity of the physical object based whether the statistical representation indicates a molecular match greater than or equal to a predefined threshold value;

automatically generate, based at least in part on the authenticity of the physical object, an insurance policy for physical object;

send the insurance policy to a computing device associated with an insurance agent or owner of the physical object; and

adjusting, by a policy generator, an insurance policy associated with the physical object.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Sep 17, 2025
From: UIPCO, LLC
To: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Reel/Frame 072279/0018 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 21, 2021
From: LUCK, GIDEON BOWIE; HUGGAR, STACY CALLAWAY
To: UIPCO, LLC
Reel/Frame 056607/0749 →
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