Granted Patent B1

US 12,293,407 · App. 17/866,954 · Granted May 6, 2025

Inventors: Yogen Rai (Plano, TX); Rachel Elizabeth Csabi (Frisco, TX); Yan Pei (Frisco, TX)

Assignee: United Services Automobile Association (USAA)

G06Q40/02G06Q20/381

Abstract

Claims (51)

1. A system, comprising:

a processor configured to:

receive an indication of a first amount of funds deposited into an account;

generate a visualization representative of a growth rate of the first amount of funds over a period of time based on an interest rate, wherein the interest rate is defined by a user with supervisor authority over the account;

display the visualization via an electronic display;

receive a request to borrow a second amount of funds;

retrieve a task list associated with the second amount of funds;

receive a selection of a task from the task list; and

in response to determining that the task is not complete:

adding an additional task to the task list; and

transmit a signal to an electronic device associated with the user to disable one or more applications of the electronic device from being accessed by the user.

2. The system of claim 1 , wherein the processor is configured to determine that the task is not complete based on image data representative of the task.

3. The system of claim 2 , wherein the image data is acquired via one or more sensors positioned to acquire data associated with an object related to the task.

4. The system of claim 1 , wherein the processor is configured to send image data associated with the task after a deadline associated with the task expires.

5. The system of claim 1 , wherein the processor is configured to receive a user input via a portion of the visualization, wherein the portion of the visualization corresponds to a projected value of the first amount of funds.

6. The system of claim 5 , wherein the user input is configured to cause the processor to access a website comprising one or more products for purchase using the projected value of the first amount of funds.

7. The system of claim 1 , wherein the processor is configured to periodically transfer an additional amount of funds from an additional account associated with the user to the account in response to the first amount of funds remaining in the account after the period of time.

8. A method, comprising:

receiving, via a processor, an indication of a first amount of funds deposited into an account;

generating, via the processor, a visualization representative of a growth rate of the first amount of funds over a period of time based on an interest rate, wherein the interest rate is defined by an additional user with supervisor authority over the account;

displaying, via the processor, the visualization via an electronic display;

receiving, via the processor, a request to borrow a second amount of funds;

retrieving, via the processor, a task list associated with the second amount of funds;

receiving, via the processor, a selection of a task from the task list;

determining via the processor, that the task is not completed; and

in response to determining that the task is not complete:

adding, via the processor, an additional task to the task list; and

transmitting, via the processor, a signal to an electronic device associated with the user to disable one or more applications of the electronic device from being accessed by the user.

9. The method of claim 8 , comprising receiving task data associated with performing the task, wherein the task data comprises a deadline.

10. The method of claim 9 , wherein the additional task is added to the task list in response to detecting that the task is not performed before the deadline.

11. The method of claim 10 , wherein the task data comprises one or more details associated with the task, an indicator for indicating that the task is completed, or both.

12. The method of claim 11 , wherein the indicator comprises image data associated with the task.

13. The method of claim 8 , comprising periodically transferring, via the processor, an additional amount of funds from an additional account associated with the user to the account in response to the first amount of funds remaining in the account after the period of time.

14. A non-transitory computer-readable medium comprising computer-executable instructions that, when executed by a processor, are configured to cause the processor to perform operations comprising:

receiving an indication of a first amount of funds deposited into an account;

converting the first amount of funds into a number of tokens using a multiplier, wherein the multiplier is determined based on a user profile of a user associated with the account;

generating a visualization representative of a growth rate of the number of tokens over a period of based on an interest rate, wherein the interest rate is defined by an additional user with supervisor authority over the account;

displaying the visualization via an electronic display;

receiving a request to borrow a second amount of funds;

retrieving a task list associated with the second amount of funds;

receiving a selection of a task from the task list;

determining whether the task is completed; and

in response to determining that the task is not complete:

adding, via the processor, an additional task to the task list; and

transmitting a signal to an electronic device associated with the user to disable one or more applications of the electronic device from being accessed by the user.

15. The non-transitory computer-readable medium of claim 14 , the operations comprising periodically transferring an additional amount of funds from the additional account associated with the user to the account in response to the first amount of funds remaining in the account after the period of time.

16. The non-transitory computer-readable medium of claim 14 , the operations comprising receiving task data associated with performing the task, wherein the task data comprises a deadline.

17. The non-transitory computer-readable medium of claim 16 , wherein the additional task is added to the task list in response to detecting that the task is not performed before the deadline.

18. The non-transitory computer-readable medium of claim 16 , wherein the task data comprises one or more details associated with the task, an indicator for indicating that the task is completed, or both.

19. The non-transitory computer-readable medium of claim 18 , wherein the indicator comprises image data associated with the task.

20. The non-transitory computer-readable medium of claim 19 , wherein the image data is acquired via one or more sensors positioned to acquire data associated with an object related to the task.

Continuity (2)

References Cited (15)