Patent ID: 8650110

Claim:
A method for performing counterfactual testing, comprising: at an electronic device, performing operations for: accessing a functional representation of a financial history of a user, wherein the functional representation specifies a financial output value based on input values and a behavioral pattern, wherein the behavioral pattern specifies a relationship between at least a pair of variables associated with a dimension in the financial history, and wherein the financial history comprises financial circumstances for the user, each of the financial circumstances comprising a value or a location for at least a datum in the financial history; modifying the functional representation based on a financial circumstance that is different than the financial circumstances in the financial history; calculating the financial output value using the financial representation and the input values; calculating a modified financial output value using the modified functional representation and the input values; comparing the financial output value and the modified financial output value; and determining a result for the counterfactual testing based on the comparison and a testing metric, wherein the result facilitates determining an effect of the financial circumstance on finances for the user.