US 12,293,407 B1
Systems and methods for incentivizing saving
Yogen Rai, Plano, TX (US); Rachel Elizabeth Csabi, Frisco, TX (US); and Yan Pei, Frisco, 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 Jul. 18, 2022, as Appl. No. 17/866,954.
Application 17/866,954 is a continuation in part of application No. 17/129,227, filed on Dec. 21, 2020, granted, now 11,393,022.
Claims priority of provisional application 62/955,113, filed on Dec. 30, 2019.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/02 (2023.01); G06Q 20/38 (2012.01)
CPC G06Q 40/02 (2013.01) [G06Q 20/381 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system, comprising:
a processor configured to:
receive an indication of a first amount of funds deposited into an account;
generate a visualization representative of a growth rate of the first amount of funds over a period of time based on an interest rate, wherein the interest rate is defined by a user with supervisor authority over the account;
display the visualization via an electronic display;
receive a request to borrow a second amount of funds;
retrieve a task list associated with the second amount of funds;
receive a selection of a task from the task list; and
in response to determining that the task is not complete:
adding an additional task to the task list; and
transmit a signal to an electronic device associated with the user to disable one or more applications of the electronic device from being accessed by the user.