Patent 11144988 was granted and assigned to USAA on October, 2021 by the United States Patent and Trademark Office.
The technology described includes an adaptive probability matrix that creates a notification schedule. The schedule can be used to send reminders to users to press a physical, connected device/button, that when pressed or clicked, causes money to be transferred according to a set of rules (i.e., a “one-click” transfer of funds).