Patent ID: 11869074
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 8:
9. A non-transitory computer-readable medium comprising computer-executable instructions that, when executed by at least one computer processor, are configured to cause the at least one computer processor to:
receive an indication associated with a credit status change of an individual from a computing system associated with a credit authority;
query a bank database for a first set of data associated with an account status of the individual;
query a credit provider database for a second set of data associated with the credit status of the individual;
identify at least two credit scenarios from a database comprising a plurality of credit scenarios based on the first set of data and the second set of data;
determine at least two savings amounts per bill pay cycle based on the at least two credit scenarios;
determine a target savings amount based on the at least two savings amounts;
generate a personalized financial video associated with the individual based on the target savings amounts to improve the credit status of the individual;
identify one or more organizations to assist the individual in improving the credit status of the individual;
generate one or more website links configured to access one or more computing systems corresponding to the one or more organizations;
embed the one or more website links into the personalized financial video; and
transmit the personalized financial video comprising the one or more website links to a computing device associated with the individual, wherein the computing device is configured to automatically present the personalized financial video upon receipt, and wherein the one or more website links are represented as one or more graphical icons superimposed within the personalized financial video.