Adaptive probability matrix

A computer-implemented method comprising:

• analyzing, by a processor of a server, historical information related to a user depressing a saver button, wherein the historical information includes information associated with one or more funds transfers from a first account to a second account that were initiated based on the user depressing the saver button;
• determining, by the processor, a notification schedule that reminds the user to depress the saver button, wherein determining the notification schedule includes:
• generating, by the processor, an adaptive probability matrix that includes probabilities of incremental times within a day, that the user will depress the saver button, wherein generating the adaptive probability matrix is based on the historical information,
• determining, by the processor, a number of times within the day that the saver button needs to be depressed to achieve a savings goal of the user based on an amount of the funds transferred each time the saver button is depressed, and
• creating, by the processor, the notification schedule for notifications to be sent based on A) the probabilities of the incremental times within the day and B) the determined number of times within the day that the saver button needs to be depressed to achieve the savings goal;
• receiving, by the processor, a message from the saver button;
• determining, by the processor, from the message that the saver button is within a proximity to a user device;
• determining, by the processor, an identity of the user associated with the user device;
• and
• transmitting, by the processor, a notification to the user device, based on the proximity of the saver button to the user device and the identity of the user, in accordance with the notification schedule.

A system comprising:

• one or more processors;
• a non-transitory computer-readable storage storing executable instructions that when executed by the one or more processors causes the one or more processors to perform the steps of:
• analyzing historical information related to a user depressing a saver button, wherein the historical information includes information associated with one or more funds transfers from a first account to a second account that were initiated based on the user depressing the saver button;
• determining a notification schedule that reminds the user to depress the saver button, wherein determining the notification schedule includes:
• generating an adaptive probability matrix that includes probabilities of incremental times within a day, that the user will depress the saver button, wherein generating the adaptive probability matrix is based in part on the historical information,
• determining a number of times within the day that the saver button needs to be depressed to achieve a savings goal of the user based on an amount of the funds transferred each time the saver button is depressed, and
• creating the notification schedule for notifications to be sent based on A) the probabilities of the incremental times within the day and B) the determined number of times within the day that the saver button needs to be depressed to achieve the savings goal;
• receiving a message from the saver button;
• determining from the message that the saver button is within a proximity to a user device;
• determining an identity of the user associated with the user device;
• and
• transmitting a notification to the user device, based on the proximity of the saver button to the user device and the identity of the user, in accordance with the notification schedule.