Patent ID: 11869073
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 0:
1. A method comprising:
determining, by at least one processor, a notification schedule that notifies a user to depress a saver button, wherein determining the notification schedule includes:
generating, by the at least one processor, an adaptive probability matrix that includes probabilities of incremental times within a day that the user will depress the saver button,
wherein the adaptive probability matrix is based on historical information related to the user depressing the saver button to initiate a transfer of funds from a first account to a second account; and

creating, by the at least one processor, the notification schedule for notifications to be sent based on A) the probabilities of incremental times within the day and B) a number of times within the day that the saver button needs to be depressed to achieve a savings goal;

detecting locations of the saver button and of a user device;
determining, by the at least one processor, an identity of the user associated with the user device; and
transmitting, by the at least one processor, a notification for the user device, based on A) the locations of the saver button and the user device and B) the identity of the user, in accordance with the notification schedule.