54 results about "Financial well being" patented technology

A software program that allows an individual with a personal computer to develop and implement plans of action for achieving a preferred lifestyle that appears feasible based on the individual's current and probable future financial circumstances.

The system provides a probability of loan default to a purchaser to aid in purchase decision making and financial planning. A user creates an account with a purchasing system prior to purchasing a product and / or service. The user receives an indication of a purchasing transaction of a product by the user. Prior to completion of the purchasing transaction, the system performs an analysis of a loan default probability or financial condition of the user presented as an analysis. The system presents an interactive notice to the user indicating that the loan default probability or financial condition is above a threshold and receives from the user via the interactive notice one of an indication to complete or discontinue the purchasing transaction.

The invention provides a financial management system wherein a real bank account is notionally sub-divided into virtual sub-accounts and transactions are effected between the virtual sub-accounts without affecting the operation of the real bank account, such a system allowing a customer to maintain an automatically updated model of the customer's finances within the single account, thus assisting visualization of his or her financial position, while retaining the benefit of the single account.

A method, system, and medium for recommending an optimal withdrawal amount, for a given period, from a retiree's portfolio accounts comprised of relatively risky and relatively safe financial assets used to finance retirement. The user supplies information about the retiree's personal characteristics, including age, gender, and health status. Details of the retiree's financial situation are also supplied, including the retiree's total liquid wealth, the current value of relatively risky and relatively safe assets, and any after-tax pension and other annuity income. Risk (standard deviation of return), return (expected rate of return based on a lognormal or other random distribution), or other measurable differentiating characteristics are retrieved for a portfolio comprised of relatively risky assets. A valuation rate is also retrieved. Based on these inputs, an actuarial discount rate is computed, an optimal wealth depletion time is located, and the optimal withdrawal amount is computed and displayed to the user.

Systems and methods for optimizing wealth are provided herein. Exemplary methods for analyzing financial well being of a client may include generating a financial profile for an client via a web server, selecting one or more grids for displaying at least a portion of the financial profile, the grid including one or more sectors, each of the sectors corresponding to one of the plurality of strengths, filling a sector with an indicator, filling a sector with an indicator, the indicator including a calculation of a strength level for the strength associated with the sector; and providing at least one of the one or more grids to a display device associated with a computing system that is communicatively coupled to the web server.

The invention discloses a financial statement fraud prevention method, and relates to the technical field of financial statement judgment. The method comprises the following steps: data verification:selecting whether each subject sub-item of a plurality of reports is equal to a total item or not, and verifying the accuracy of report data import; Wherein the articulation relationship is an internal logic corresponding relationship among the accounting report, another accounting report and the report; Data review: carrying out data rationality on the projects in each report, carrying out warning information on unreasonable data, and carrying out further analysis and explanation; And whitewash identification: carrying out whitewash identification on the data of the financial statement by thefinancial index, and identifying the false operation performance or financial condition. The accuracy of report data import is verified by extracting the reports, whether errors exist in compilationof the reports or not is judged according to the articulation relation, whether false business performance or financial conditions occur or not is judged through whitewash recognition, manpower is saved, and the working efficiency of an accountant is improved.

Systems, methods, and computer-readable media are disclosed for selecting loan payment terms for improved loan quality and risk management. An exemplary embodiment includes storing first loan data corresponding to a first loan to a first borrower. The first loan may have been funded based on an initial financial disclosure that reflects the financial status of the first borrower during an initial time period when the first loan was funded. First payment terms and second payment terms are stored, and one of the first payment terms or the second payment terms is selected based on whether the first borrower provides the updated financial disclosure. The first loan data is processed consistently with the selected payment terms.

The invention discloses a microcosmic tax revenue analysis system and method. According to the microcosmic tax revenue analysis system and method, tax payment data are stored in a sorted mode, tax payment data statistics is conducted, and the tax economic criteria, collection and management condition criteria, risk criteria and tax administration criteria are obtained. By storing the tax payment data in the sorted mode through a storer and obtaining each data criteria through a processor, selection of a proper analysis standard for follow-up analysis of a taxpayer or the production and management condition, financial condition and tax paying condition of the industry of the taxpayer is facilitated, accurate and quick analysis of different industries and the specific conditions of the taxpayers is achieved, and the defect that the specific conditions of specific taxpayers or relevant industries can not be obtained through macroscopic tax revenue analysis is overcome.

The present invention relates to a method for inputting household accounting data for double-entry bookkeeping and, more particularly, to the method comprising the steps of: a user device which has a household accounting program for double-entry bookkeeping installed therein and runs the household accounting program, (1) providing a questionnaire for inputting an overview of property; (2) receiving a response to the provided questionnaire; (3) automatically inputting the data of the property overview which is processed by the received response to a user's financial status according to the double-entry form of bookkeeping; and (4) updating the user's financial status by receiving data on income or expenditures. Further, the present invention relates to a household accounting system using a method for inputting household accounting data for double-entry bookkeeping and, more particularly, to the system comprising: a service server which provides a household accounting program for double-entry bookkeeping and provides an update of the household accounting program; and a user device which provides a questionnaire for inputting an overview of property by having the household accounting program installed therein and running the household accounting program, automatically inputs data of the property overview which is processed by receiving a response to the provided questionnaire to a user's financial status according to the double-entry form of bookkeeping, and updates the user's financial status by receiving data on income or expenditures. According to a method for inputting household accounting data for double-entry bookkeeping and a household accounting system using the same proposed in the present invention, a user device which has household accounting program for the double-entry bookkeeping installed therein and runs the household accounting program, provides a questionnaire for inputting an overview of property, and automatically inputs data of the property overview which is processed by receiving a response to the provided questionnaire to a user's financial status, thereby enabling the user, even without knowledge on the double-entry bookkeeping, to easily input the overview of property in accordance with assets, capital, and debt, etc. through a process of responding to the questionnaire and to use a household accounts created by fully implementing the principle of double-entry bookkeeping. Further, according to the present invention, owner items are provided in questionnaire items for selecting the owner so that the financial status can be automatically input for each family member of the user who is registered in advance, thereby identifying and utilizing the property status for each family member to establish financial portfolios for the entire family.

The invention discloses a listed company suspected financial counterfeiting behavior insight discrimination system, and the system comprises: an information crawling module which is used for obtainingthe financial information and non-financial information of a listed company from the Internet; a condition verification module which is used for verifying financial information and non-financial information of the listed company according to a preset first early warning condition and a preset second early warning condition; a scoring module which is used for scoring financial conditions of listedcompanies; a first judgment module which is used for comparing the financial condition score of the listed company with a preset first threshold value to obtain a financial counterfeiting judgment result of the listed company; and a second judgment module which is used for continuously adopting the logistic regression model to calculate the financial counterfeiting probability of the listed company when the first judgment module obtains that the financial counterfeiting judgment result of the listed company is false, so as to obtain the financial counterfeiting judgment result of the listed company. According to the method, the logic rules of the accountant are combined with the machine learning model, so that financial counterfeiting behaviors can be identified more accurately.

A virtual assistant platform for providing real-time financial advice based on a user's financial status online footprint, behavioral proclivities with regard to finances and investing as well as market conditions, comprising a virtual assistant application that creates and updates a user profile using interactive prompts to gather information during an onboarding process, and produces a final, highly individualized, user profile for use by the virtual assistant platform for providing real-time financial advice based on a user's profile, online footprint as well as market conditions.