	US 11,995,570 B1
	Systems and methods for digital advice
Mollie Wendel, Helotes, TX (US); Robert J. Eckelbarger, San Antonio, TX (US); Stephen Holloway, San Antonio, TX (US); Matthew J. Kosub, San Antonio, TX (US); and Lyndsey Nicole Stevens, 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 Apr. 11, 2022, as Appl. No. 17/658,762.
Application 17/658,762 is a continuation of application No. 16/899,274, filed on Jun. 11, 2020, granted, now 11,301,764.
Claims priority of provisional application 62/860,628, filed on Jun. 12, 2019.
Int. Cl. G06F 3/0482 (2013.01); G06N 5/04 (2023.01); H04L 67/306 (2022.01); H04L 67/50 (2022.01)

CPC G06N 5/04 (2013.01) [G06F 3/0482 (2013.01); H04L 67/306 (2013.01); H04L 67/535 (2022.05)]

20 Claims

1. A tangible, non-transitory, computer readable medium comprising instructions that when executed by one or more processors of the computer cause the computer to:

retrieve, via an electronic data source, historical behavioral interactions of a user with electronic services;

predict a goal that a user desires to achieve based on the historical behavioral interactions;

determine one or more personalized digital goals that apply to the goal based on the historical behavioral interactions;

provide, via a graphical user interface (GUI), the one or more personalized digital goals;

identify and provide, via the GUI, an indication of a spending deficit with respect to the one or more personalized digital goals; and

update the one or more personalized digital goals based upon a capacity of the user indicated by the spending deficit.