US 11,836,697 B1
Tracking and guidance system for recurring service management
Reynaldo Medina, III, San Antonio, TX (US); William Preston Culbertson, II, San Antonio, TX (US); and Susan Elizabeth Wright, 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 Jun. 30, 2020, as Appl. No. 16/916,396.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/22 (2012.01); G06F 16/23 (2019.01)
CPC G06Q 20/22 (2013.01) [G06F 16/2379 (2019.01)] 11 Claims
OG exemplary drawing
 
1. A service tracking and guidance system, comprising:
processing circuitry configured to:
receive, from a location tracking device, usage data indicative of usage of a service by a consumer, wherein the usage of the service comprises an amount of time spent at a location;
determine a usage value based on the usage data;
receive, from a pecuniary database, remittance data indicative of recurring payments by the consumer for the service;
determine an average usage threshold, wherein the average usage threshold corresponds to an average usage of the service by a plurality of other consumers over a time period that corresponds to at least one of the recurring payments, over another time period prior to the time period, or both;
determine and continuously update a usage threshold by adjusting the average usage threshold based on one or more characteristics of the consumer, wherein the usage threshold comprises a threshold amount of time and represents a level of usage of the service that indicates that the consumer has derived value from the service relative to the plurality of other consumers and accounts for the one or more characteristics of the consumer, wherein the one or more characteristics comprise a savings amount, a debt amount, a household income, or any combination thereof;
compare the usage value determined based on the usage data for the time period that corresponds to at least one of the recurring payments to the usage threshold;
provide an output that comprises a notification on a graphical user interface for visualization by the consumer, the notification comprises a map of the location associated with the service, and the notification comprises directions to increase the usage value or to facilitate cancellation of the service in response to the usage value being below the usage threshold; and
monitor a response of the consumer following the output, and determine and continuously update the usage threshold based on the consumer failing to cancel the service or reinstating the service after the cancellation.