On-line savings account

1. A system comprising:

a non-transitory memory; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:

accessing a savings plan for purchasing an item, wherein the savings plan comprises a set of parameters including a savings rate representing a rate of transferring a monetary amount from a funding source to a savings account associated with the savings plan;

transferring the monetary amount from the funding source to the savings account according to the savings rate;

monitoring a status of the item with respect to at least one merchant that offers the item for sale based on accessing data from a merchant server associated with the at least one merchant that offers the item for sale;

determining a change of the status of the item based on the monitoring;

modifying the savings rate of the savings plan based on the change of the status of the item;

transferring funds from the funding source to the savings account according to the modified savings rate;

detecting that a goal of the savings plan with respect to the purchasing the item has been reached;

in response to the detecting, generating an electronic user interface for purchasing the item, wherein the electronic user interface includes a link associated with the merchant server for purchasing the item; and

causing a user device to present the electronic user interface.

2. The system of claim 1 , wherein the status comprises at least one of a price, an availability, a model version, or a recall status.

3. The system of claim 1 , wherein the determining the change of the status of the item comprises determining that the item is no longer available at the at least one merchant, and wherein the operations further comprise:

accessing an online store of a second merchant; and

determining that the second merchant offers the item for sale at a price based on the accessing, wherein the savings rate is further modified based on the price of the item offered at the second merchant.

4. The system of claim 1 , wherein the set of parameters further includes a target purchase date for purchasing the item, and wherein the operations further comprise modifying the target purchase date based on the change of the status of the item.

5. The system of claim 1 , wherein the modified savings rate comprises at least one of a modified frequency or a modified amount.

6. The system of claim 1 , wherein the operations further comprise:

accessing an online store of the at least one merchant;

determining a price of the item from the online store; and

determining the savings rate and a target purchase date based on the price of the item.

7. The system of claim 1 , wherein the operations further comprise:

determining that the savings account includes sufficient funds for a purchase of the item from the at least one merchant based on a balance of the savings account and a price of the item at the at least one merchant, wherein the goal is detected as having been reached based on the determining that the savings account includes sufficient funds for the purchase.

8. The system of claim 7 , wherein the operations further comprise transmitting the electronic user interface to the user device via email or a short message service (SMS) system.

9. The system of claim 1 , wherein the operations further comprise:

receiving a selection of the link via the electronic user interface; and

processing, in response to receiving the selection, a payment for a purchase of the item from the at least one merchant.

10. A method, comprising:

accessing, by one or more hardware processors, a savings plan for purchasing an item, wherein the savings plan comprises a set of parameters including a savings rate representing a rate of transferring a monetary amount to a savings account associated with the savings plan;

transferring the monetary amount from one or more funding sources to the savings account according to the savings rate;

monitoring, by the one or more hardware processors, a status of the item with respect to at least one merchant that offers the item for sale based on accessing data from an online store of the at least one merchant that offers the item for sale;

detecting, by the one or more hardware processors, a change of the status of the item based on the monitoring;

modifying, by the one or more hardware processors, the savings rate of the savings plan based on the detected change;

transferring funds from the one or more funding sources to the savings account according to the modified savings rate;

detecting that a goal of the savings plan with respect to the purchasing the item has been reached;

in response to the detecting, generating an electronic user interface for purchasing the item, wherein the electronic user interface includes a link associated with the online store for purchasing the item; and

causing a user device to present the electronic user interface.

11. The method of claim 10 , wherein the savings plan is associated with a plurality of funding sources, and wherein the set of parameters comprises an allocation rule specifying a corresponding allocation of the savings rate to each of the plurality of funding sources.

12. The method of claim 11 , wherein the modifying the savings rate comprises modifying the allocation rule.

13. The method of claim 10 , wherein the item is a first model version of a product, wherein the change of the status comprises an offering of a second model version of the product by the at least one merchant, wherein the second model version supersedes the first model version.

14. The method of claim 13 , further comprising:

determining a price of the second model version of the product offered by the at least one merchant, wherein the savings rate is further modified based on the price of the second model version.

15. The method of claim 10 , further comprising transmitting a notification indicating the change of the status of the item to the user device.

16. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

determining an interest of a user in purchasing an item;

monitoring a status of the item with respect to at least one merchant that offers the item for sale based on accessing data from a merchant server associated with the at least one merchant that offers the item for sale;

determining a change of the status of the item based on the monitoring;

accessing a savings plan for purchasing the item, wherein the savings plan comprises a set of parameters including a savings rate representing a rate of transferring a monetary amount from one or more funding sources to a savings account associated with the savings plan;

modifying a first parameter in the set of parameters of the savings plan based on the change of the status of the item;

transferring funds from the one or more funding sources to the savings account according to the modified first parameter;

detecting that a goal of the savings plan with respect to the purchasing the item has been reached;

in response to the detecting, generating an electronic user interface for purchasing the item, wherein the electronic user interface includes a link associated with the merchant server for purchasing the item; and

causing a user device to present the electronic user interface.

17. The non-transitory machine-readable medium of claim 16 , wherein the status comprises at least one of a price, an availability, a model version, or a recall status.

18. The non-transitory machine-readable medium of claim 16 , wherein the determining the change of the status of the item comprises determining that the item is no longer available at the at least one merchant, and wherein the operations further comprise:

accessing an online store of a second merchant; and

determining that the second merchant offers the item for sale at a price based on the accessing, wherein the first parameter is further modified based on the price of the item offered at the second merchant.

19. The non-transitory machine-readable medium of claim 16 , wherein the set of parameters further includes a target purchase date for purchasing the item; and

wherein the modifying the first parameter comprises modifying the target purchase date based on the change of the status of the purchasable item.

20. The non-transitory machine-readable medium of claim 16 , wherein the operations further comprise:

determining that the savings account includes sufficient funds for a purchase of the item from the at least one merchant based on a balance of the savings account and a price of the item at the at least one merchant, wherein the goal is detected as having been reached based on the determining that the savings account includes sufficient funds.