Adaptive Probability Matrix for Notification Scheduling

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Solution Overview

Problem

Users tend to initially engage with the saver button but eventually decrease their usage, leading to a need for an effective notification schedule to increase engagement and savings.

Innovation Solution

An adaptive probability matrix is used to create a notification schedule based on historical data of button pushes, including time of day, day of week, location, and user preferences, to optimize reminders and encourage user interaction with the saver button.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If users are sent frequent notifications to press the saver button, then user engagement and savings increase, but users may become annoyed or desensitized to notifications

Engineering Contradiction:
Improvesavings rateVSAvoidnotification fatigue
Core Design Contradiction:
ProductivityVSObject-affected harmful factors

Solution Approach 1:

The notification system dynamically adjusts the timing and frequency of notifications based on user behavior patterns learned from historical data. The probability matrix is continuously updated to reflect changing user preferences and engagement levels, making the notification schedule adaptive rather than static.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system incorporates feedback loops where user responses to notifications (pressing the button or ignoring it) are fed back into the probability matrix. This feedback mechanism allows the system to learn from user behavior and adjust future notification strategies to optimize engagement while minimizing annoyance.

Inventive Principle:
Principle #23Feedback

2Adaptability or versatility

If the notification schedule is highly customized to individual user preferences, then user engagement increases, but system complexity increases

Engineering Contradiction:
Improvenotification customizationVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system manages complexity by changing parameters in a structured way - using a probability matrix with defined parameters (time of day, day of week, probability thresholds) rather than unlimited customization options. This parameterized approach allows for meaningful customization while maintaining system manageability.

Inventive Principle:
Principle #35Parameter changes

Solution Approach 2:

The system performs self-adjustment by automatically learning user preferences from historical button-push data and generating its own notification schedule without requiring manual configuration. This eliminates the need for complex user setup while still providing highly customized notifications.

Inventive Principle:
Principle #25Self-service

3Productivity

If notifications are sent at random times, then system simplicity is maintained, but user engagement and savings effectiveness decrease

Engineering Contradiction:
Improvesavings effectivenessVSAvoidnotification scheduling complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The system performs preliminary analysis of user historical data before generating the notification schedule. By pre-processing button-push timestamps and location data to identify patterns, the system prepares the probability matrix in advance, enabling targeted notifications without adding operational complexity during execution.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS12243097B1Adaptive probability matrix
Publication Date: 2025.03.04 UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
  • US12243097B1 patent drawing
  • US12243097B1 patent drawing
  • US12243097B1 patent drawing

AI summary

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).