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公开(公告)号：US10437899B2
公开(公告)日：2019-10-08
申请号：US15588335
申请日：2017-05-05
IPC分类号： G06F17/00 , G06F16/9535 , G16H40/20 , G06F16/245 , H04L29/06 , G06Q40/00 , G16H10/60
摘要： A system for distributed server data management is provided. The system receives, via a user device associated with a user, a request to manage a resource on behalf of a third party, recalls historical data associated with the third party from the historical database, detects, via a data analytics engine, a potential future action of the user, and displays, via a graphical interface, a recommended future action to the user. In this way, the system provides an efficient way for users to manage resources for a third party.
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公开(公告)号：US10019760B2
公开(公告)日：2018-07-10
申请号：US14664193
申请日：2015-03-20
摘要： Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, the system displays the retirement score on a retirement planning interface on a user device. Subsequently, the invention parses out the component parts of the retirement score, distributes the parsed scores within the entity to determine benefits available to the user. These benefits may be provide via the planning interface. Finally, the retirement score may be combined with financial assessment scores and provided to third parties for product approval and implementation for user.
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公开(公告)号：US20160275609A1
公开(公告)日：2016-09-22
申请号：US14664210
申请日：2015-03-20
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06
摘要： Embodiments of the invention are directed to systems, methods, and computer program products optimizing a generated retirement score. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date. The invention continues by retrieving historic retirement scores for the user. Based on the scores, user spend data, user location, and financial products associated with the user, the invention identifies improvements to a user retirement score. The user may be automatically shifted into products that may improve the retirement score. Furthermore, the invention may augment historical retirement score data to present illustrations of the effect of recommendations on current and/or future retirement scores if the recommendations are implemented.
摘要翻译： 本发明的实施例涉及优化生成的退休分数的系统，方法和计算机程序产品。 以这种方式，本发明计算用户的退休分数，指示用户在未来预定日期的退休准备。 本发明继续通过检索用户的历史退休分数。 基于与用户相关联的分数，用户花费数据，用户位置和金融产品，本发明识别对用户退休分数的改进。 用户可以自动转移到可以提高退休分数的产品中。 此外，如果实施建议，本发明可以增加历史退休分数数据，以示出建议对当前和/或未来退休分数的影响的图示。
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4.发明申请公开(公告)号：US20160275616A1
公开(公告)日：2016-09-22
申请号：US14664667
申请日：2015-03-20
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
摘要翻译： 本发明的实施例涉及用于基于退休得分来评估退休计划的系统，方法和计算机程序产品。 系统被配置为创建社交网络组，接收用户加入社交网络组的请求，接收用户的财务信息。 根据用户的财务信息，确定用户的预计退休分数。 该系统可以另外确定社交网络组的预计组退休分数范围，确定用户的预计退休分数在社交网络组的预计组退休分数范围内，为用户创建组成员加入 基于确定用户的预计退休分数的社交网络组在社交网络组的预计组退休分数范围内。
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公开(公告)号：US20160275614A1
公开(公告)日：2016-09-22
申请号：US14664610
申请日：2015-03-20
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to receive health information of a user, wherein the health information comprises at least an age of the user and medical treatment history of the user. Based on the health information, the system determines a life expectancy of the user, and projected allocations of finances for health care of the user based on the health information and the life expectancy of the user. The system is further configured to receive retirement information of the user. Based on the health information and the financial information, the system determines a projected retirement score of the user. The system may communicate the projected retirement score of the user.
摘要翻译： 本发明的实施例涉及用于基于退休得分来评估退休计划的系统，方法和计算机程序产品。 该系统被配置为接收用户的健康信息，其中健康信息至少包括用户的年龄和用户的医疗历史。 根据健康信息，该系统基于用户的健康信息和预期寿命来确定用户的预期寿命以及用于医疗保健的预算财务分配。 该系统还被配置为接收用户的退休信息。 根据健康信息和财务信息，系统确定用户的预计退休分数。 系统可以传达用户的预计退休分数。
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公开(公告)号：US20160275613A1
公开(公告)日：2016-09-22
申请号：US14664542
申请日：2015-03-20
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for assessing impact of life events on retirement planning. The system is configured to calculate a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, receive a user selection of a life event that could occur for the user; calculate a life event score for the selected life event based on receiving life event information associated with the at least one life event selected by the user; and initiate a presentation of a payment user interface to the user, to provide the calculated life event score to the user.
摘要翻译： 本发明的实施例涉及用于评估生活事件对退休计划的影响的系统，方法和计算机程序产品。 该系统被配置为计算用户的退休分数，指示用户在未来预定日期的退休准备，其中未来预定日期由用户选择。 作为响应，接收对用户可能发生的生命事件的用户选择; 基于接收到与所述用户选择的所述至少一个生命事件相关联的生命事件信息来计算所述生命事件的生命事件得分; 并且向用户发起支付用户界面的呈现，以向用户提供所计算的生活事件得分。
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公开(公告)号：US20160275610A1
公开(公告)日：2016-09-22
申请号：US14664226
申请日：2015-03-20
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to access the assets and the liabilities of a user over a network of servers, wherein the assets include illiquid assets and liquid assets, wherein the assets and the liabilities comprise a balance sheet; determine asset values and liability values; determine a retirement score based on the asset values and the liability values; and in response to determining the retirement score is equal to or greater than a threshold score, provide a first recommendation to the user, the first recommendation comprising an investment plan for at least a portion of the liquid assets.
摘要翻译： 本发明的实施例涉及用于基于退休得分来评估退休计划的系统，方法和计算机程序产品。 该系统配置为通过服务器网络访问用户的资产和负债，其中资产包括流动资产和流动资产，其中资产和负债包括资产负债表; 确定资产价值和负债价值; 根据资产价值和负债价值确定退休分数; 并且响应于确定所述退休分数等于或大于阈值分数，向所述用户提供第一推荐，所述第一推荐包括至少一部分所述流动资产的投资计划。
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公开(公告)号：US20190164227A1
公开(公告)日：2019-05-30
申请号：US16265603
申请日：2019-02-01
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
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公开(公告)号：US20160364801A1
公开(公告)日：2016-12-15
申请号：US14739923
申请日：2015-06-15
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06
摘要： Embodiments of the present invention relate to apparatuses, systems, methods and computer program products for determining impact retirement scores and identifying solutions to aid a user in retirement planning. In one embodiment, a system comprises at least one processing device configured to receive retirement information of a primary user, calculate a retirement score based on a primary user profile, determine relationships of the primary user and hence determine a plurality of secondary users. Further, the at least one processing device is configured to generate user profiles for the secondary users and analyze the user profiles to determine if the secondary users affect the primary user's retirement score. The system then determines the impact retirement score for the primary user, wherein the impact retirement score is an estimate of the primary user's preparedness for the impact of the secondary users on the primary user's retirement.
摘要翻译： 本发明的实施例涉及用于确定影响退休分数的设备，系统，方法和计算机程序产品，并且识别帮助用户进行退休计划的解决方案。 在一个实施例中，系统包括被配置为接收主用户的退休信息的至少一个处理设备，基于主用户简档来计算退休分数，确定主用户的关系，从而确定多个次要用户。 此外，至少一个处理装置被配置为生成次要用户的用户简档，并分析用户简档以确定次要用户是否影响主要用户的退休分数。 系统然后确定主要用户的影响退休分数，其中影响退休分数是主要用户对次要用户对主要用户退休的影响的准备的估计。
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公开(公告)号：US20160275615A1
公开(公告)日：2016-09-22
申请号：US14664631
申请日：2015-03-20
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to access the assets and the liabilities of a user, a user profile, fund in-flows and fund out-flows for the assets and the liabilities over a past time period by analyzing transactions for the assets and the liabilities, estimated rates of return for the assets that provide returns, and financial behavior of the user. In response, calculate a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, display the retirement score on a retirement planning interface on a user device.
摘要翻译： 本发明的实施例涉及用于基于退休得分来评估退休计划的系统，方法和计算机程序产品。 该系统被配置为通过分析资产和负债的交易来访问用户的资产和负债，用户简档，资金流入以及资产和负债在过去一段时间内的流出量，估计 提供回报的资产的回报率，以及用户的财务行为。 作为响应，计算用户的退休分数，指示用户在未来预定日期的退休准备，其中未来预定日期由用户选择。 作为回应，在用户设备上的退休计划界面上显示退休分数。
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