Granted Patent B1

US 12,712,982 · App. 18/735,107 · Granted Aug 18, 2026

Inventors: Enrique A. Tamayo (San Antonio, TX); Nicole Calderon (San Antonio, TX); Wesley Purcell (Boerne, TX); Luis Mireles (Fair Oaks Ranch, TX); Felisa Flores (San Antonio, TX); Vijay Jayapalan (San Antonio, TX); Jeffrey William Gallagher (San Antonio, TX); Minya Liang (Redmond, WA); Nathan J. Rowe (San Antonio, TX); David W. Gaither (San Antonio, TX); Elizabeth Guerrero (San Antonio, TX)

Assignee: United Services Automobile Association (USAA)

H04N7/147G06Q40/08G06V40/70H04M3/5133H04N7/15

Abstract

Claims (98)

1 . A method comprising:

routing a real-time video session with a device associated with a first user to a second user;

displaying, on a user interface of the second user, biometric information of the first user during the real-time video session;

detecting one or more changes in the biometric information, wherein the one or more changes in the biometric information includes at least one of heart rate data, blood pressure data, an oxygen level, calorie intake data, or sleep data of the first user; and

updating, on the user interface of the second user and based on the one or more changes, one or more guidelines for the second user during the real-time video session, and a status of the first user.

2 . The method of claim 1 , further comprising:

analyzing one or more biometrics of the first user depicted in the real-time video session to determine at least one biometric characteristic;

retrieving, from a database, previously recorded biometric characteristics of the first user and an associated state of the first user;

comparing the at least one biometric characteristic with the previously recorded biometric characteristics of the first user to determine a current state of the first user; and

notifying the second user of the current state of the first user, wherein the one or more biometrics includes at least one of skin tone, eye movement, breathing patterns, or facial expressions.

3 . The method of claim 1 , further comprising:

analyzing one or more biometrics of the first user depicted in the real-time video session;

detecting a change in the one or more biometrics during the real-time video session;

determining a state of the first user based on the change in the one or more biometrics; and

updating, in real-time, the state of the first user on the user interface of the second user.

4 . The method of claim 1 , further comprising:

collecting the biometric information from one or more sensors coupled to the device,

wherein the one or more sensors include one or more of:

a heart rate monitor,

a blood pressure monitor,

a sleep tracking monitor,

a calorie intake monitor, or

any combination thereof.

5 . The method of claim 1 , further comprising:

analyzing one or more objects received in the real-time video session; and

determining A) insurance estimates of the one or more objects or B) appraisal estimates of the one or more objects.

6 . The method of claim 1 , further comprising:

automatically translating text based on input provided by the first user or the second user,

wherein the automatic translation translates from one language to another, and

wherein words translated in the automatic translation are to be conveyed in the real-time video session as audio or text.

7 . The method of claim 1 , further comprising:

actively monitoring activities of the first user associated with the device to determine a potential need for the first user to engage via the real-time video session.

8 . A system comprising:

one or more processors; and

one or more memories storing instructions that, when executed by the one or more processors, cause the system to perform a process comprising:

routing a real-time video session with a device associated with a first user to a second user;

displaying, on a user interface of the second user, biometric information of the first user during the real-time video session;

detecting one or more changes in the biometric information, wherein the one or more changes in the biometric information includes at least one of heart rate data, blood pressure data, an oxygen level, calorie intake data, or sleep data of the first user; and

updating, on the user interface of the second user and based on the one or more changes,

one or more guidelines for the second user during the real-time video session, and

a status of the first user.

9 . The system of claim 8 , wherein the process further comprises:

analyzing one or more biometrics of the first user depicted in the real-time video session to determine at least one biometric characteristic;

retrieving, from a database, previously recorded biometric characteristics of the first user and an associated state of the first user;

comparing the at least one biometric characteristic with the previously recorded biometric characteristics of the first user to determine a current state of the first user; and

notifying the second user of the current state of the first user, wherein the one or more biometrics includes at least one of skin tone, eye movement, breathing patterns, or facial expressions.

10 . The system of claim 8 , wherein the process further comprises:

analyzing one or more biometrics of the first user depicted in the real-time video session;

detecting a change in the one or more biometrics during the real-time video session;

determining a state of the first user based on the change in the one or more biometrics; and

updating, in real-time, the state of the first user on the user interface of the second user.

11 . The system of claim 8 , wherein the process further comprises:

collecting the biometric information from one or more sensors coupled to the device,

wherein the one or more sensors include one or more of:

a heart rate monitor,

a blood pressure monitor,

a sleep tracking monitor,

a calorie intake monitor, or

any combination thereof.

12 . The system of claim 8 , wherein the process further comprises:

analyzing one or more objects received in the real-time video session; and

determining A) insurance estimates of the one or more objects or B) appraisal estimates of the one or more objects.

13 . The system of claim 8 , wherein the process further comprises:

automatically translating text based on input provided by the first user or the second user,

wherein the automatic translation translates from one language to another, and

wherein words translated in the automatic translation are to be conveyed in the real-time video session as audio or text.

14 . The system of claim 8 , wherein the process further comprises:

actively monitoring activities of the first user associated with the device to determine a potential need for the first user to engage via the real-time video session.

15 . A non-transitory computer-readable medium storing instructions that, when executed by a computing system, cause the computing system to perform operations comprising:

routing a real-time video session with a device associated with a first user to a second user;

displaying, on a user interface of the second user, biometric information of the first user during the real-time video session;

detecting one or more changes in the biometric information, wherein the one or more changes in the biometric information includes at least one of heart rate data, blood pressure data, an oxygen level, calorie intake data, or sleep data of the first user; and

updating, on the user interface of the second user and based on the one or more changes, one or more guidelines for the second user during the real-time video session, and a status of the first user.

16 . The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:

analyzing one or more biometrics of the first user depicted in the real-time video session to determine at least one biometric characteristic;

retrieving, from a database, previously recorded biometric characteristics of the first user and an associated state of the first user;

comparing the at least one biometric characteristic with the previously recorded biometric characteristics of the first user to determine a current state of the first user; and

notifying the second user of the current state of the first user, wherein the one or more biometrics includes at least one of skin tone, eye movement, breathing patterns, or facial expressions.

17 . The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:

analyzing one or more biometrics of the first user depicted in the real-time video session;

detecting a change in the one or more biometrics during the real-time video session;

determining a state of the first user based on the change in the one or more biometrics; and

updating, in real-time, the state of the first user on the user interface of the second user.

18 . The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:

collecting the biometric information from one or more sensors coupled to the device,

wherein the one or more sensors include one or more of:

a heart rate monitor,

a blood pressure monitor,

a sleep tracking monitor,

a calorie intake monitor, or

any combination thereof.

19 . The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:

analyzing one or more objects received in the real-time video session; and

determining A) insurance estimates of the one or more objects or B) appraisal estimates of the one or more objects.

20 . The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:

automatically translating text based on input provided by the first user or the second user,

wherein the automatic translation translates from one language to another, and

wherein words translated in the automatic translation are to be conveyed in the real-time video session as audio or text.

Assignments (2)

Continuity (5)

References Cited (25)