US 11,509,634 B2Granted

Secure messaging systems and methods

AssigneeBrightPlan LLC

InventorsMarthin De Beer, Larry Robinson, Krutarth Shah, Harpreet Buttar

Life of this patent

Estimating the term…

Loading patent…

Abstract

Systems and methods for secure messaging and automation are disclosed herein. An example method includes providing, by an application server layer, a user-facing application that accesses a data retention system and a predictive analytics system through a web services layer, the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application, establishing a security protocol or security token utilized between the application server layer and the web services layer that is different from the security token cached on the web browser; and performing asynchronous processing based on user interaction with a goal-based planning application that processes data from a plurality of user accounts.

Claims20

Dependent claims

A secure messaging system configured by at least one processor to execute instructions stored in memory, the system comprising:

a data retention system and a predictive analytics system;
a web services layer providing access to the data retention and the predictive analytics systems;
and
an application server layer that:
provides a user-facing application that accesses the data retention and the predictive analytics systems through the web services layer;
and
performs processing based on user interaction with a goal-based planning application, the goal-based planning application configured to execute instructions including:
determining a pillar score for each of a plurality of pillars, the pillar score being a weighted percentage of a financial wellness score, each of the plurality of pillars including a component data attribute, the component data attribute being a weighted percentage of the pillar score for each of the plurality of pillars;
and
calculating the financial wellness score using the pillar score for each of the plurality of pillars.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/905,755Filed 18 Jun 2020 · continuation in part
Priority: 27 Oct 2017
Published: US 2020/0236090 A119 Nov 2020
Granted: 22 Nov 2022
Term ends: Not estimatedThe source records don’t support an estimate.

Classification16 codes

H04L 63/0428
For providing a confidential data exchange among entities communicating through data packet networks: wherein the data content is protected, e.g.…
G06F 16/9574
Browsing optimisation, e.g. caching or content distillation: of access to content, e.g. by caching
G06N 7/01
Computing arrangements based on specific mathematical models: probabilistic graphical models, e.g. probabilistic networks
G06Q 40/04
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: trading; Exchange, e.g. stocks, commodities, derivatives or currency…

Family

Application15/796,613Parent of this continuation · filed 27 Oct 2017
Application62/865,084Us provisional application · filed 21 Jun 2019
Application16/839,000Parent of this continuation-in-part · filed 2 Apr 2020
US 10,630,650 B2Parent of this continuation · filed 21 Apr 2020
US 2020/0366654 A1Pre-grant publication · published 19 Nov 2020
US 11,095,623 B2Parent of this continuation-in-part
Application16/839,000Parent of this continuation
US 2019/0132293 A1Published application
US 2020/0236090 A1Published application
US 11,509,634 B2This patent

From the US filing history. Foreign family members aren’t listed.