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

Claim 6:
7. A system, comprising:
a non-transitory computer-readable medium storing instructions that when executed by a processor effectuate:
a reception component configured to receive, at least in part using a sensor of a device associated with a user, user spending data associated with the user, wherein the reception component is configured to receive user context 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, and wherein the reception component is configured to receive real-time user spending data; a third-party correlation component configured to:
identify 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,
identify 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,
receive relation spending data describing spending associated with the first relation and the second relation, and
identify a group dynamic based on the first relation, the second relation, the user spending data, and the relation spending data;

a correlation component configured to generate spending correlations between the user spending data, the user spending context data, and the group dynamic, wherein machine learning is trained on the spending correlations;
a model component configured to determine 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;
a value component configured to generate, using the machine learning, a next event value for the next event based on the user data and the group dynamic; and
a notification component configured to transmit a recommendation to the user based on a difference between a sum of the real-time user spending data during the next event and the next event value, wherein the recommendation identifies at least one action to reduce the next event value.