ALEXANDRIA, Va., Oct. 28 -- United States Patent no. 12,450,628, issued on Oct. 21, was assigned to United Services Automobile Association (USAA) (San Antonio).

"System, method and apparatus for location based delivery of determined pertinent data" was invented by Bradly J. Billman (Celina, Texas), Maland Keith Mortensen (San Antonio), Wayne Maurice Hartman (San Antonio), Meighan K. McNulty (San Antonio), Craig Kincaid (Floresville, Texas), Joshua D. Maldonado (San Antonio) and Gunjan C. Vijayvergia (San Antonio).

According to the abstract* released by the U.S. Patent & Trademark Office: "A system, method and apparatus for detecting the presence of a portable computing device (a smart phone device) in an area of proximity to a vendor to d...