US 11,704,730 B1
Systems and methods for generating account forecast alerts
Nathan J. Rowe, San Antonio, TX (US); Michael Aaron McGlasson, Austin, TX (US); Stephen Holloway, San Antonio, TX (US); Lea B. Sims, San Antonio, TX (US); Joseph Wall, San Antonio, TX (US); and Richard R. Rohrbough, Boerne, 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 Dec. 2, 2021, as Appl. No. 17/540,933.
Application 17/540,933 is a continuation of application No. 15/902,895, filed on Feb. 22, 2018, granted, now 11,232,516.
Claims priority of provisional application 62/462,189, filed on Feb. 22, 2017.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/02 (2023.01); G06Q 10/04 (2023.01); G06Q 20/10 (2012.01)
CPC G06Q 40/02 (2013.01) [G06Q 10/04 (2013.01); G06Q 20/10 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A system, comprising:
a processor configured to:
receive account information comprising a plurality of transactions associated with a bank account corresponding to a first period of time;
determine an expected burn rate of funds for a second period of time based on the account information, the second period of time being after the first period of time and corresponding to an amount of time until a next deposit;
determine the expected burn rate of funds until the next deposit based on one or more expected deposits over the second period of time, one or more expected payments over the second period of time, or both, wherein the one or more expected deposits are determined based on a deposit history over the first period of time, and wherein the one or more expected payments are based on a payment history over the first period of time;
determine an expected savings balance based on the account information and the expected burn rate of funds;
receive credit data indicative of one or more purchases made during the second period of time;
send an alert to a computing device in response to the expected savings balance being below a threshold based on the credit data, wherein the alert is configured to cause the computing device to display a visualization representative of a status of the expected savings balance;
detect an update to the account information, wherein the update is indicative of a new income source that corresponds to an additional transaction depositing funds into the bank account;
send a request for a confirmation input to the computing device, wherein the confirmation input is indicative of the new income source being a regularly occurring deposit;
update the expected savings balance based on the new income source in response to receiving the confirmation input; and
send an additional alert to the computing device in response to the updated expected savings balance being above the threshold, wherein the additional alert is configured to cause the computing device to update the visualization to include an indication that the updated expected savings balance is above the threshold.