Source: https://patents.google.com/patent/US7921048?oq=552685
Timestamp: 2018-06-25 12:50:01
Document Index: 398624064

Matched Legal Cases: ['art 1999', 'Application No. 00976918', 'Application No. 00991933', 'Application No. 01927371', 'Application No. 01927371', 'Application No. 01927371', 'Application No. 01927371', 'Application No. 02759326', 'Application No. 02759326', 'Application No. 02759326', 'Application No. 02765975', 'Application No. 02765976', 'Application No. 02765976', 'Application No. 02765976', 'Application No. 02765976', 'Application No. 02765976', 'Application No. 02794694', 'Application No. 02794694', 'Application No. 02802758', 'Application No. 02802758', 'Application No. 02802758', 'Application No. 02765976', 'Application No. 00959', 'Application No. 02']

US7921048B2 - Financial planning and counseling system projecting user cash flow - Google Patents
Financial planning and counseling system projecting user cash flow Download PDF
US7921048B2
US7921048B2 US09929610 US92961001A US7921048B2 US 7921048 B2 US7921048 B2 US 7921048B2 US 09929610 US09929610 US 09929610 US 92961001 A US92961001 A US 92961001A US 7921048 B2 US7921048 B2 US 7921048B2
US09929610
US20020095363A1 (en )
Ronald E. Sloan
Stephen B. Slutsky
A system, method and article of manufacture are provided for generating an online, web-enabled financial model accessible over the Internet. A service level agreement that defines a level of financial management desired by a user is provided. A user is prompted to input financial information relative to the user. The financial information is stored in a database. A prospective cash flow of the user is aggregated over a predetermined amount of time based on the service level agreement and the financial information. The prospective cash flow is then output to the user. As an option, the user may be allowed to re-input the financial information if the prospective cash flow is deemed unacceptable by the user. A risk analysis may be executed if the prospective cash flow is deemed acceptable by the user. Further, advice based on the financial information may be output if the prospective cash flow is deemed acceptable to the user.
The present application is a continuation of a parent application Ser. No. 09/705,288, filed Nov. 1, 2000, entitled “A FINANCIAL PLANNING AND COUNSELING SYSTEM PROJECTING USER CASH FLOW”, of the assignee of the present invention, incorporated herein by reference.
Furthermore, the present application is a continuation-in-part of U.S. application Ser. No. 09/431,668 entitled “SYSTEM, METHOD AND ARTICLE OF MANUFACTURE FOR GENERATING A STRATEGIC FINANCIAL MODEL FOR MANAGEMENT AND ADVICE GENERATING PURPOSES” filed Nov. 1, 1999, and the U.S. application Ser. No. 09/580,273, entitled “SYSTEM, METHOD AND ARTICLE OF MANUFACTURE FOR FORECASTING AND STRESS TESTING USING A NETWORK-BASED PERSONAL INVESTMENT MANAGER” filed May 25, 2000 all of which we are incorporating herein by reference.
Financially prudent individuals develop financial plans that aid them achieve their financial goals. Traditionally, many of these individuals have entrusted their financial plans to personal financial advisors.
A system, method and article of manufacture are provided for generating an online, web-enabled financial model. A service level agreement that defines a level of financial management desired by a user is provided. A user is prompted to input financial information relative to the user. The financial information is stored in a database. A prospective cash flow for the user is aggregated over a predetermined amount of time based on the service level agreement and the financial information. The prospective cash flow is then output to the user. The financial information may include intended revenues and expenses of the user and/or external financial data. Preferably, the financial information includes external financial data including such things as mortgage interest rates and market inflation rates.
FIG. 1 is an illustration of one embodiment of a financial management information system, in accordance with the present invention, for providing personalized financial coaching in a collaborative computing environment. In FIG. 1, financial management system 100 includes a financial coaching system 102 connected through a wide area network connected to the Internet 104 to the live advisor terminal 106 a user terminal 110. The wide area network of the present invention 104 is connected to or is the Internet. The Internet is based on the TCP/IP communication protocol first developed by the Department Of Defense in the 1960s. The present invention may be implemented using other protocols and other networking system, including wireless networks, the Network File Service (NFS) protocol used by Sun Microsystems or a Novel network based on the UDP/IPX protocol.
The user (e.g. individuals or company representative seeking financial advice) may access the system using a user terminal 110 (e.g. personal computer). A typical user computer terminal would be described in more detail in FIG. 3. The user computer is preferably equipped with software to receive live streaming video and/or still pictures over the wide area network 104, from the advisor video camera 108-B. Preferably, the user terminal 110 is further equipped with a video camera 108-A and software to transmit live streaming video from the user, across the network 104 to the live advisor at the advisor terminal 106. Access to the live financial advisor 106 and all other services provided by the Financial management system is controlled and channeled through the Financial Advisor system 102. The user can access the financial coaching system 102 through the Internet 104 or by telephone 109-A. A user telephone call is channeled through a call center discussed further subsequently in FIG. 2 to the Financial Advisor System™ and to the live advisor 106.
The web server 114 provides a personalized interactive web page environment for the user to operate in once he accesses the system. The web page is acting as the web interface between the financial system Web pages may be created using the Hyper Text Markup Language (HTML), scripting languages such as Java Script™ or Pearl™ as well as Java™ applets, Visual Basic, Shock wave, Cold Fusion, etc. Creation of customized web page using any of the above programming languages is well within the scope of one skilled in the arts. The personalized web page provides an environment and an interface for the user to interact with the financial advisor system 102. As an example, in one embodiment of the present invention, by selecting an appropriate icon from the interactive personalized website, the user is able to learn, plan, decide, transact and monitor, his financial model.
Alternatively, the user may also interact with financial coaching system 102 through a telephone 124. The user's call is channeled through the call center system 117. The call center 117 includes an Automatic Call Distribution (ACD) server 122, an Interactive Voice Response Server (IVR) 124, a Computer Telephony Integration (CTI) server 118 and a RM workstation 125, all interconnected through a Local Area Network or intranet 127. The local area network 113 may also be used in interconnecting the various servers of call center. When the user calls into the financial advising system 102 using a remote telephone 124, the IVR sever 124 receives the user's telephone call. The IVR system greets callers, prompting them for identification, and providing some information automatically. The Automatic Call Distributor (ACD) server 122 distributes the call using the Internet Protocol (IP) over the network, to the appropriate live coach. The Computer Telephony integration server (CTI) 118 acts as the link between the live advisor's telephone call and the workstation based applications and allows them to automatically work together. As an example, when the IVR server 120 obtains some information about the calling user, this information is delivered to the live advisor's workstation 106, so the advisor does not have to request the same information again. Once the telephone call is properly routed to the live-advisor, the user can use other means of communication such as electronic mail or White board™ simultaneously while he is interacting with the live advisor.
The Data server 128 stores user input data and supplies the application Server 126. The data server 128 includes outside database sources from which the financial coaching system 102 can draw information such as actuarial data about customers and historical price data on securities from sources such as Reuters, user financial information such as banking and portfolio information in other financial institution, and market information such as the day's closing numbers for various market indices as well as individual stock securities pricing information. Formatted in the Open File Exchange (OFX) format, now the accepted Internet standard used by programs such as Quicken™ and MS Money™ the data server through the firewall can easily exchange information with the outside world and specifically the user.
The computer system architecture depicted in FIG. 3 includes of a central processing unit 130, such as a microprocessor, a read only memory (ROM) 136, a random access memory (RAM) 134, an input and output adapter 138, a storage device 140, and interface 142 connecting a plurality of input and output device such as a keyboard 144, a mouse 146, a speaker 148, a microphone 150, a video camera 152 and a display 158, and a system bus interconnecting all the components together. The computer may also include such devices as a touch screen (not shown) connected to the bus 132 and communication adapter 154 such as a dial up modem, a Digital Subscriber Line (DSL) modem or a cable modem, for connecting the workstation to a communication network 104 (e.g., the interne). The storage device 140 can be any number of devices including but not limited to hard disk drive, a floppy disk drive, a CD-ROM device, a DVD device, a tape device, and removable magnetic storage devices such as a Jazz™ drive or ZIP™ drive. There are therefore a number of computer readable media encompassed by the system depicted in FIG. 3, including but not limited to RAM 134, ROM 136, storage device 140, and storage accessible over the network connection 104.
The advice and product solutions generated by the advice generating subsystem 172 are presented to the user through virtual coach 180. Virtual coach 180 presents the product recommendation with accompanying rationale. The user may or may not wish to contact the dedicated financial advisor for additional advice or information. Because the system generates reasoned financial coaching in accordance with the user's financial needs and intentions, the financial advisor is able to operate more productively. Furthermore, the user can test different scenarios by altering the data captured by LifePath model 164. Each scenario can then be analyzed by coaching engine 174. The virtual coach 180 is further described in the related U.S. application named “Automated Coaching For A Financial Modeling and Counseling System”, application Ser. No. 09/705,255, by the same inventors as the present invention, filed on the same day as the present application and incorporated herein by reference. Furthermore, the LifePath model is further described in the related patent titled: “A Financial Planning and Counseling System Projecting User Cash Flow”, application Ser. No. 09/705,288, by the same inventors as the present invention, filed on the same day as the present invention and herein incorporated by reference.
FIG. 7 is an embodiment of a screen layout for the LifePath model 164. The model display window 244 depicts displays the user's cash on hand 246 and the user's cash needed 248 graph over a period of time. The time span covered by the model is defined by the user using the “From Year” window 250 and the “To Year” window 252. The data point corresponding to the model is fed to the system by the user by selecting the Input Revenue icon 256 and the Input Expense icon 260. In one embodiment of the present invention the revenues 256 include salary, investment, pension, alimony, disability, annuity, fees, loan or others. The expenses 260 include housing, transportation, entertainment, education, health care, vacation, savings, personal, investment, insurance, tax, loan and miscellaneous.
Based on the automated coaching, the user may select a variety of possible actions to solve the cash flow issues. The user may select Tax break icon 270 to take advantage of possible tax breaks. He may reduce his luxury spending 272, increase income 274, redirect investment 276 to increase his income, increase “draw” from his personal business 278, refinance 280 a business or home, rebalance his investment portfolio 282, borrow 284, sell luxuries 286, sell necessities 288 such as a car and even declare bankruptcy 290. A series of functional icon allow the user to close the screen 294, save the changes to the LifePath model 296, revert back to the previous state of the model 298, submit the changes 300, print 302 and undo the changes 304.
In the preferred embodiment of the present invention, the salary graph 306 can be directly modified by clicking on it. Note operation 360. The LifePath model checks for points nearest to the date selected 362. If there is no annual point near the selected point on the graph, a point is created at the nearest annual point 366. If there is an existing annual point near the annual point 364 is moved to the new Y-value. The system rejoins the adjacent points if needed 368 to incorporate the new annual point location. If the Y-movement of the new annual point is less than 15% of the previous Y-value the system goes on to trap the next action 372. If the Y-movement of the annual point is greater than 15%, that is if the income delta is greater than 15% 370, then the system prompts the user for an explanation. Note step 374. The user inputted reason is posted on the graph 376 and the system captures the event in the “milestone” list 378. The milestone list would include events such as promotion or retirement.
FIG. 11 is an embodiment of a screen for entering, editing and modeling one time income and expense events such as buying or selling a house. The time event graph 426 is populated with one time events that affect the user's financial situation and need to be accounted for if a realistic financial picture is desired. The one time life event points 428 are entered by selecting the “add an event” icon 430. Specific events are selected from a drop down list box 432. An unlimited number of non-standard entries as well as user specified entries can be added to the list. When the specific One-Time life event is selected from the drop-down list box 432, a life event detail window 434 opens up, where the user inputs the details such a cost breakdown about the specific event. The initial value will come from the dialogue box. The submit icon 322 will trigger changes in cash balances displayed in aggregated LifePath. Sales and purchases of assets trigger changes in personal net worth. Depreciation and appreciation are calculated based on industry norms and using actuarial data from outside databases if needed. The life event's impact on taxation is also calculated. The LifePath model highlights possible future cash flow issue and coaches the user through automated coaching or a live advisor on how to deal with the specific issue.
A virtual coach area 616 of the page can be provided to display the comments and advice created by the virtual coach. As described above, client data drives a rules-based “coaching engine” that dynamically analyzes customer needs and automates most of advisor's work. The client is encouraged to consolidate all their financial information in the site, recognizing assets and liabilities with other financial institutions.
Additionally, the user can control the level of risk that the model considers by selecting one or more of the graphical user interface (“GUI”) elements from the list of risk events 632. The risk events 632 include various life events that may affect the user's LifePath model. For example, the user can request that the model include job loss, disability, casualty, market downturn, or other personal risk factors into their LifePath model.
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PCT/US2002/025500 WO2003017168A8 (en) 2001-08-13 2002-08-08 A financial planning and counseling system projecting user cash flow
EP20020759326 EP1419468A2 (en) 2001-08-13 2002-08-08 A financial planning and counseling system projecting user cash flow
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US (1) US7921048B2 (en)
EP (1) EP1419468A2 (en)
CA (1) CA2456860A1 (en)
WO (1) WO2003017168A8 (en)
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