Patent ID: 11915255
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A method, comprising:
collecting user spending data associated with a user;
collecting, using at least one user sensor on a device associated with the user, user spending context data associated with the user spending data, the user spending context data including location data, relationship data, and a mood of the user, wherein the mood of the user is determined using one or more of a voice of the user, device usage of the user, and biometric information of the user;
identifying a first relation in proximity to the user based on the relationship data and a first relation sensor of a first relation device associated with the first relation;
identifying a second relation in proximity to the user based on the relationship data and a second relation sensor of a second relation device associated with the second relation;
receiving relation spending data describing spending associated with the first relation and the second relation;
identifying a group dynamic based on the first relation, the second relation, the user spending data, and the relation spending data;
generating spending correlations between the user spending data, the user spending context data, and the group dynamic;
training machine learning using the spending correlations;
determining a next event based on at least one of the location data and the relationship data, wherein the next event includes the first relation and the second relation in proximity to the user;
generating, using the machine learning, a next event value for the next event based on at least the user spending data and the group dynamic;
collecting real-time user spending data at the next event;
determining a difference between a sum of the real-time user spending data and the next event value; and
transmitting a recommendation to the user based on the difference between a sum of the real-time user spending data and the next event value, wherein the recommendation identifies at least one action to reduce the next event value.