PATENT CLAIM ANALYSIS

Application Number: 15960637
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2019-02
Patent Classification: ["705", "037000"]

Abstract:
A financial planning system automatically chooses which goals to fund, and which assets to liquidate to enable goal funding. A user specifies her goals with associated priorities, possibly with a variable timeframe and/or a variable cost. As the system decides that a goal is affordable, by determining that the user's wealth in a simulation scenario exceeds a benchmark based on the user's financial situation, the system changes that goal to a committed life action. The user's investment allocation may automatically change in response to one or more of the user's age, life actions and total wealth. If the simulation scenarios result in an acceptable plan, and if the user has given permission, the financial planning system then acts on this plan, such as by moving funds among accounts or placing securities trades. The system can be used for asset management, money management, and consumption advice.

Claim (Index 11):
The method of  claim 10 , further comprising producing a set of simulations for investment strategies for each of the temporal periods, and wherein the determining and converting occurs for each of the simulations, and wherein the deciding is based on all of the simulations.

Metadata:
- Claim Count in Document: 110.0
- Percentile: 91.0
- Lexical Diversity: 1.71875
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['09880170', '10837871', '10210827', '10837849', '12437083']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1222266505764977
- 35 USC 102 Novelty (BERT): 0.5069576014708468
- Combined Prediction Score: 0.1606997456659326
- Mean Citation Score: 267.172962
- Max Citation Score: 290.2132299999999
- Similarity Product: 209.52628985128456

Labels:
- Claim Label 101: 0
- Claim Label 102: 0
- Claim Label 103: 1
- Claim Label 112: 1
- Combined Label: 0
- Label 101 Adjusted: 0

Dataset: test