Granted Patent B1

US 10,956,879 · App. 15/211,874 · Granted Mar 23, 2021

Inventors: Alexis M. Eidson (San Antonio, TX); Christina N. Nickel (Boerne, TX); Matthew Quagliara (San Antonio, TX); Raymond John Zurcher (San Antonio, TX); Ronald Romanowski (San Antonio, TX)

Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

G06Q20/10H04L67/18H04L67/22

Abstract

Claims (54)

1. A method for providing guidance to a user, the method comprising:

analyzing, by a processor, a historical dataset of the user to identify recurring events, where each recurring event is modeled as an event type and a set of contextual parameters, where the event type comprises a purchase transaction and the set of contextual parameters comprises a timing parameter, a location parameter for a target location and a purchase amount;

determining, by the processor, a suggested modification for modifying one or more of the recurring events to improve a user security score;

transmitting, by the processor, the suggested modification to a remote user device for presentation to the user via an interactive user interface;

receiving, by the processor, a user monitoring request to monitor user progress in achieving the suggested modification; and

in response to receipt of the user monitoring request, initiating monitoring, by the processor, of the suggested modification, wherein monitoring the suggested modification comprises, for each recurring event in the suggested modification:

determining an expected occurrence of the recurring event based on the timing parameter;

periodically transmitting user location requests to the remote user device that activate GPS circuitry on the remote user device for a specified time interval starting before the expected occurrence and ending after the expected occurrence;

receiving and updating a current location of the remote user device in response to the user location requests;

comparing the current location of the remote user device to the location parameter to determine whether the current location of the remote user device is within range of the target location defined by the location parameter; and

automatically initiating a funds transfer equal to the purchase transaction after the specified time interval has elapsed based on a determination that the remote user device was not within the range of the target location during the specified time interval or the event type did not occur during the specified time interval.

2. The method of claim 1 , wherein monitoring the suggested modification further comprises, for each recurring event in the suggested modification:

transmitting a confirmation message to the remote user device after the specified time interval has elapsed based on a determination that the remote user device was not within the range of the target location during the specified time interval.

3. The method of claim 2 , wherein monitoring the suggested modification further comprises, for each recurring event in the suggested modification:

analyzing current user data when the remote user device is within range of the target location during the specified time interval to determine whether the event type occurred; and

transmitting a confirmation message to the remote user device after the specified time interval has elapsed based on a determination that the event type did not occur during the specified time interval.

4. The method of claim 1 , wherein the suggested modification comprises a progress parameter for each recurring event in the suggested modification; and

wherein monitoring the suggested modification further comprises, for each recurring event in the suggested modification:

analyzing current user data when the remote user device is within range of the target location to determine whether the event type occurred; and

updating the progress parameter based on a determination that the event type did occur.

5. The method of claim 4 , wherein monitoring the suggested modification further comprises, for each recurring event in the suggested modification, transmitting a revised suggested modification to the remote user device based on a determination that the event type did occur.

6. The method of claim 1 comprising:

transmitting, by the processor, alternative modification options to the remote user device for presentation to the user via the interactive user interface;

receiving, by the processor, a user monitoring request to monitor user progress in achieving a user adjusted suggested modification; and

in response to receipt of the user monitoring request, begin monitoring, by the processor, the user adjusted suggested modification.

7. An apparatus for providing guidance to a user, the apparatus comprising:

a memory; and

a processor in communication with the memory, the processor configured to:

analyze a historical dataset of the user to identify recurring events, where each recurring event is modeled as an event type and a set of contextual parameters, where the event type comprises a purchase transaction and the set of contextual parameters comprises a timing parameter, a location parameter for a target location and a purchase amount;

determine a suggested modification for modifying one or more of the recurring events to improve a user security score;

transmit the suggested modification to a remote user device for presentation to the user via an interactive user interface;

receive a user monitoring request to monitor user progress in achieving the suggested modification; and

in response to receipt of the user monitoring request, monitor the suggested modification, wherein the processor is configured to, for each recurring event in the suggested modification:

determine an expected occurrence of the recurring event based on the timing parameter;

periodically transmit user location requests to the remote user device that activate GPS circuitry on the remote user device for a specified time interval starting before the expected occurrence and ending after the expected occurrence;

receive and update a current location of the remote user device in response to the user location requests;

compare the current location of the remote user device to the location parameter to determine whether the remote user device is within range of the target location; and

automatically initiate a funds transfer equal to the purchase amount after the specified time interval has elapsed based on a determination that the remote user device was not within the range of the target location during the specified time interval or the event type did not occur during the specified time interval.

8. The apparatus of claim 7 , wherein the processor is further configured to, for each recurring event in the suggested modification:

transmit a confirmation message to the remote user device after the specified time interval has elapsed based on a determination that the remote user device was not within the range of the target location during the specified time interval.

9. The apparatus of claim 8 , wherein the processor is further configured to, for each recurring event in the suggested modification:

analyze current user data when the remote user device is within range of the target location during the specified time interval to determine whether the event type occurred; and

transmit a confirmation message to the remote user device after the specified time interval has elapsed based on a determination that the event type did not occur during the specified time interval.

10. The apparatus of claim 7 , wherein the suggested modification comprises a progress parameter for each recurring event in the suggested modification; and

wherein the processor is further configured to, for each recurring event in the suggested modification:

analyze current user data when the remote user device is within range of the target location to determine whether the event type occurred; and

update the progress parameter based on a determination that the event type did occur.

11. The apparatus of claim 10 , wherein the processor is further configured to, for each recurring event in the suggested modification, transmit a revised suggested modification to the remote user device based on a determination that the event type did occur.

12. The apparatus of claim 7 , wherein the processor is configured to:

transmit alternative modification options to the remote user device for presentation to the user via the interactive user interface;

receive a user monitoring request to monitor user progress in achieving a user adjusted suggested modification; and

in response to receipt of the user monitoring request, monitor the user adjusted suggested modification.

13. The apparatus of claim 7 wherein the funds are transferred from a checking account of the user to another account of the user.

14. The method of claim 1 , wherein the funds are transferred from a checking account of the user to another account of the user.

Assignments (1)

Continuity (2)

Cited By (15)

US 12,211,015 US 12,211,095 US 12,212,725 US 12,216,802 US 12,229,737 US 12,260,700 US 12,400,257 US 12,505,414 US 12,511,692 US 12,573,224 US 12,585,830 US 12,608,690 US 12,626,526 US 12,632,899 US 12,671,719