US 11,869,073 B1
Adaptive probability matrix
Sang Woo Choi, San Antonio, TX (US); Timothy Davison, San Antonio, TX (US); and Garrett Rielly Rapport, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Association (USAA), San Antonio, TX (US)
Filed on Sep. 1, 2021, as Appl. No. 17/464,652.
Application 17/464,652 is a continuation of application No. 16/203,306, filed on Nov. 28, 2018, granted, now 11,144,988.
Claims priority of provisional application 62/591,495, filed on Nov. 28, 2017.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/02 (2023.01); G06Q 20/10 (2012.01); G06F 17/18 (2006.01)
CPC G06Q 40/02 (2013.01) [G06F 17/18 (2013.01); G06Q 20/108 (2013.01)] 20 Claims
OG exemplary drawing
 
15. 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:
determining a notification schedule that notifies a user to depress a saver button, wherein determining the notification schedule includes:
generating an adaptive probability matrix that includes probabilities of incremental times within a day, that the user will depress the saver button,
wherein the adaptive probability matrix is based on historical information related to the user depressing the saver button to initiate a transfer of funds from a first account to a second account; and
creating the notification schedule for notifications to be sent based on A) the probabilities of incremental times within the day and B) a number of times within the day that the saver button needs to be depressed to achieve a savings goal;
detecting locations of the saver button and of a user device;
determining an identity of the user associated with the user device; and
transmitting a notification for the user device, based on A) the locations of the saver button and the user device and B) the identity of the user, in accordance with the notification schedule.