Patent 11869073 was granted and assigned to United Services Automobile Association on January, 2024 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).