Systems and methods for aggregating data for real-time financial plan
AssigneeUnited Services Automobile Association (USAA)
InventorsBruce Wesley Wilks, Robert D. Morales, Rennie Garcia, Robert Anthony Pacheco
Life of this patent
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Abstract
Aggregation processes and systems acquire user data from many internal and external sources, such as a host financial institution, external institutions, and publicly available websites and databases. The data aggregation may be used to pre-populate the fields in a questionnaire that would otherwise have to be manually populated by the user. A financial plan based on the data is generated and provided to the user. After presenting the financial plan to the user, additional information may be requested from the user. After the additional information is received, the financial plan may be revised and provided to the user.
Claims21
A financial planning method, comprising:
- electronically maintaining aggregated data pertaining to a user that has been electronically accessed, received and aggregated from a plurality of data sources using a plurality of credentials provided by the user for the plurality of data sources;
- electronically generating a financial plan pertaining to the user based on the aggregated data using a computing device;
- electronically receiving information regarding an implementation of a recommendation from the financial plan acted on by the user at the computing device from a user computing device via a network;
- electronically revising the financial plan based on the information regarding the implementation of the recommendation from the financial plan acted on by the user received from the user to generate a revised financial plan using the computing device;
- and
- electronically providing the revised financial plan to the user computing device.
A non-transitory computer-readable medium comprising computer-readable instructions for financial planning, said computer-readable instructions comprising instructions that:
- maintain aggregated data pertaining to a user that has been electronically accessed, received and aggregated from a plurality of data sources using a plurality of credentials provided by the user for the plurality of data sources;
- generate a financial plan pertaining to the user based on the aggregated data using a computing device;
- receive information regarding an implementation of a recommendation from the financial plan acted on by the user at the computing device from a user computing device via a network;
- revise the financial plan based on the information regarding the implementation of the recommendation from the financial plan acted on by the user received from the user to generate a revised financial plan using the computing device;
- and
- provide the revised financial plan to the user computing device.
A financial planning system including computer-readable instructions stored on a non-transitory computer-readable medium and executed by a computer to generate a financial plan, comprising:
- at least one subsystem that maintains aggregated data pertaining to a user that has been electronically accessed, received and aggregated from a plurality of data sources using a plurality of credentials provided by the user for the plurality of data sources;
- at least one subsystem that generates a financial plan pertaining to the user based on the aggregated data using a computing device;
- at least one subsystem that receives information regarding an implementation of a recommendation from the financial plan acted on by the user at the computing device from a user computing device via a network;
- at least one subsystem that revises the financial plan based on the information regarding the implementation of the recommendation from the financial plan acted on by the user received from the user to generate a revised financial plan using the computing device;
- and
- at least one subsystem that provides the revised financial plan to the user computing device.
Dependencies are inferred from the claim text.