Lifestyle continuation model using a capacity unit architecture

A computer-implemented method of plan generation, the method comprising:

• detecting, by a processing circuit from an embedded application installed on a user device of a user, activity data based on a transaction by the user or a usage of the user device by the user;
• accessing, by the processing circuit, the embedded application to collect the activity data;
• responsive to the detection and accessing, generating, by the processing circuit, new capacity units based on the activity data, wherein the new capacity units corresponds with a first value;
• determining, by the processing circuit, a summation of the new capacity units and un-allocated capacity units is above a threshold for a first plan, wherein the un-allocated capacity units are based on previous activity data performed by the user device, and wherein the un-allocated capacity units corresponds with a second value below the threshold for the first plan;
• automatically generating, by the processing circuit, the first plan of a plurality of other plans based on the summation of the new capacity units and the un-allocated capacity units, wherein each of the plurality of other plans comprises a plurality of coverages and active periods;
• allocating, by the processing circuit, the summation of the new capacity units and the un-allocated capacity units to the first plan over the plurality of other plans based on an allocation scheme set by the user, wherein the allocation of the summation comprises converting the new capacity units and the un-allocated capacity units to allocated capacity units, and wherein the allocation scheme sets a first coverage amount and an active period based a cumulative value of the allocated capacity units to the first plan;
• receiving, by the processing circuit from the user device, an interaction with at least one slider or button of a graphical user interface (GUI) corresponding with a reallocation of the allocated capacity units;
• and
• responsive to the reallocation using the at least one slider or button of the GUI, adjusting, by the processing circuit in real-time, the coverage or the active period of the first plan, the active period of the first plan comprises a start and end date set by the user, and wherein the adjustment comprises reducing the allocated capacity units by a first amount on the first plan and increasing allocated capacity units by a second amount of a second plan of the plurality of other plans.

A lifestyle protection system comprising:

• an embedded application installed on a user device;
• a plurality of data channels configured to access activity data;
• a network circuit;
• and
• a processing circuit communicably coupled to the plurality of data channels via the network circuit, the processing circuit configured to:
• detect, from the embedded application installed on the user device of a user via a first data channel of the plurality of data channels, activity data based on a transaction by the user or a usage of the user device by the user;
• access the embedded application to collect the activity data;
• responsive to the detection and accessing, automatically generate additional capacity units based on the activity data, wherein the new capacity units correspond with a first value;
• allocate a first portion of the additional capacity units to a first plan over a plurality of other plans based on a first allocation scheme set by the user, wherein the first plan includes a first coverage based on a first total amount of capacity units including the first portion of the additional capacity, and wherein each of the plurality of other plans comprises a plurality of coverages and active periods, and wherein the allocation of the first portion comprises converting the first portion of the additional capacity units to allocated capacity units, and wherein the first allocation scheme sets a first active period based a cumulative value of the allocated capacity units to the first plan;
• allocate a second portion of the additional capacity units to a second plan over a plurality of other plans based on a second allocation scheme set by the user, wherein the second plan includes a second coverage based on a second total amount of capacity units including the second portion of the additional capacity, and wherein the allocation of the second portion comprises converting the second portion of the additional capacity units to the allocated capacity units, and wherein the second allocation scheme sets a second active period based a second cumulative value of the allocated capacity units to the second plan;
• receive, from the user device, an interaction with at least one slider or button of a graphical user interface (GUI) corresponding with a reallocation of the allocated capacity units;
• responsive to the reallocation using the at least one slider or button of the GUI, adjust, in real-time, the coverage or the active period of the first plan, the active period of the first plan comprises a start and end date set by the user, and wherein the adjustment comprises reducing the allocated capacity units by a first amount on the first plan and increasing allocated capacity units by a second amount of a second plan of the plurality of other plans;
• establish a second data channel of the plurality of data channels between the processing circuit and the user device utilizing an application programming interface (API);
• monitor, in real-time, the second data channel comprising executing API calls with the API, wherein the API calls return environmental data;
• and
• update, in real-time, the first coverage of the first plan or the second coverage of the second plan based on the environmental data.