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US 11,538,103 B1Granted
Financial education tool
AssigneeUnited Services Automobile Association (USAA)
InventorsShawn D. Low, Thirumurugan Thyagarajan, Samuel Steven Wolf
Life of this patent
Estimating the term…
Abstract
A system includes one or more processors configured to receive income-related data, receive an input comprising an image that corresponds to a desired acquisition, access at least one database to identify a cost of the desired acquisition, generate a first purchase plan for the desired acquisition based on the income-related data and the cost, graphically augment the image to generate a graphically-augmented version of the image comprising at least a portion of the image and the purchase plan, and display the graphically-augmented version of the image on a device.
Claims18
A system comprising:
- a device comprising:
- a camera that is configured to obtain an image of a desired acquisition in response to a user looking at the desired acquisition for a threshold period of time;
- and
- a display screen;
- and
- one or more processors configured to:
- receive income-related data;
- automatically obtain the image of the desired acquisition from the device in response to the user viewing the desired acquisition for the threshold period of time;
- access at least one database to identify a cost of the desired acquisition;
- generate a purchase plan for the desired acquisition based on the income-related data and the cost, wherein the purchase plan includes an expected time at which the user will accumulate a desired amount of income to purchase the desired acquisition;
- graphically augment the image to generate a graphically-augmented version of the image comprising at least a portion of the image and a graph or a table that presents the purchase plan;
- display the graphically-augmented version of the image on the display screen of the device;
- and
- generate an additional purchase plan in response to determining that the user is not projected to accumulate the desired amount of income to purchase the desired acquisition by the expected time via the purchase plan.
11 more elements
A system comprising:
- an augmented reality device configured to be worn by a user, wherein the augmented reality device comprises:
- a camera that is configured to obtain an image of a desired acquisition in response to the user looking at the desired acquisition for a threshold period of time;
- and
- a display screen;
- and
- one or more processors configured to:
- receive income-related data, wherein the income-related data comprises a task-based format, a time-based format, or an incentive-based format, or any combination thereof;
- automatically obtain the image of the desired acquisition from the augmented reality device in response to the user viewing the desired acquisition for the threshold period of time;
- search a database to identify a cost of the desired acquisition;
- generate a first purchase plan for the desired acquisition based on the income-related data and the cost, wherein the first purchase plan includes an expected time at which the user will accumulate a desired amount of income to purchase the desired acquisition;
- graphically augment the image to generate a first graphically-augmented version of the image comprising at least a portion of the image and a first graph or a first table that presents the first purchase plan;
- display the first graphically-augmented version of the image on the display screen of the augmented reality device;
- monitor whether the user follows the first purchase plan to accumulate the desired amount of income by the expected time;
- and
- generate a second purchase plan for the desired acquisition based on the income-related data and the cost in response to determining that the user is not projected to accumulate the desired amount of income to purchase the desired acquisition by the expected time via the first purchase plan.
12 more elements
A system comprising:
- one or more processors configured to:
- receive income-related data, wherein the income-related data comprises a task-based format, a time-based format, or an incentive-based format, or any combination thereof;
- automatically obtain an image of a desired item from a device in response to a user viewing the desired item for a threshold period of time via the device;
- determine a cost of the desired item based on the image;
- generate a first purchase plan for the desired item based on the income-related data and the cost, wherein the first purchase plan includes an expected time at which the user will accumulate a desired amount of income to purchase the desired item;
- graphically augment the image to generate a first graphically-augmented version of the image comprising at least a portion of the image and a first graph or a first table that presents the first purchase plan;
- display the first graphically-augmented version of the image on a display screen of the device;
- monitor whether the user follows the first purchase plan to accumulate the desired amount of income by the expected time;
- and
- identify a different item for the user to purchase in place of the desired item in response to determining that the user is not projected to accumulate the desired amount of income to purchase the desired item by the expected time via the first purchase plan;
- and
- generate a second purchase plan for the different item based on the income-related data and a different cost of the different item.
9 more elements
Dependencies are inferred from the claim text.