ALEXANDRIA, Va., June 10 -- United States Patent no. 12,293,407, issued on May 6, was assigned to United Services Automobile Association (USAA) (San Antonio).
"Systems and methods for incentivizing saving" was invented by Yogen Rai (Plano, Texas), Rachel Elizabeth Csabi (Frisco, Texas) and Yan Pei (Frisco, Texas).
According to the abstract* released by the U.S. Patent & Trademark Office: "A system may include a processor that may receive an indication of an amount of funds deposited into an account, convert the amount of funds into a number of tokens using a multiplier, and generate a visualization representative of a growth rate of the number of tokens over a period of based on an interest rate. The interest rate may be defined by a user...