US Patent 11393021 Apparatuses and methods for responsive financial transactions

Apparatuses, methods, and computer program products are provided for responsive transactions. An example method includes receiving device data of a first user device associated with a first user and determining a critical event of the first user based upon the device data. The method further includes acquiring financial profile parameters of a first user profile associated with the first user and generating a responsive financial transaction based upon the critical event and the financial profile parameters. The method also include effectuating the responsive financial transaction and/or generate a user notification that includes the responsive financial transaction.