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公开(公告)号：US07831494B2
公开(公告)日：2010-11-09
申请号：US09930786
申请日：2001-08-15
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G06Q40/06
摘要： The present invention relates to an Internet enabled, interactive financial portfolio risk modeling system. The system operates online, in a collaborative computing environment between the user and the portfolio development system. The portfolio generating system models the user's personal investment parameters into a user profile in terms of the user risk tolerance level, user investment style and user bull/bear attitude. The system further calculates Value At Risk (VAR) values for the user. The system filters various securities based on their VAR and Beta values and present two list of filtered securities, with opposing Beta values, matching the user profile. The present invention enables the user to swap securities in and out of his existing portfolio and receive an analysis of the effect of the swap on his portfolio. The model also generates an ideal portfolio based on the user profile. The present invention presents the user with an estimated value of his portfolio, based on a regression formula as well as a possible best and worst scenario based on statistical formulas particularly to computer implemented, Internet based financial modeling systems.
摘要翻译： 本发明涉及一种互联网启用的交互式金融投资组合风险建模系统。 该系统在用户和投资组合开发系统之间的协作计算环境中在线运行。 投资组合生成系统根据用户风险承受水平，用户投资风格和用户牛/态度，将用户个人投资参数建模成用户资料。 该系统进一步计算用户的风险值（VAR）值。 该系统根据其VAR和Beta值对各种证券进行过滤，并提供两个过滤证券列表，具有相反的Beta值，与用户配置文件相匹配。 本发明使得用户能够将证券从他现有的投资组合中交出来并且接收对其投资组合的交换的影响的分析。 该模型还基于用户配置文件生成理想的投资组合。 本发明基于回归公式以及基于统计公式的可能的最佳和最差情景，向用户呈现其投资组合的估计值，特别是基于计算机实现的基于因特网的金融建模系统。
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公开(公告)号：US07783545B2
公开(公告)日：2010-08-24
申请号：US09976443
申请日：2001-10-12
IPC分类号： G06Q40/00
摘要： The present invention relates to an automated coaching system for financial modeling and counseling system. The automated coaching system enables the user to analyze the user's investment portfolio and dispense context sensitive automated advice to the user based on the user inputted financial data, preferences and financial goals. The automated coaching provides its advice to the user in syntactically correct natural language coaching strings and is able to configure and recommend solutions and financial products, specific to the user's situation. Furthermore, the automated coaching system can analyses the impact of the recommended product on the user's financial model.
摘要翻译： 本发明涉及一种用于财务建模和咨询系统的自动辅导系统。 自动辅导系统使得用户能够基于用户输入的财务数据，偏好和财务目标来分析用户的投资组合并向用户分配上下文敏感的自动建议。 自动化教练在语法正确的自然语言教练字符串中向用户提供其建议，并且能够配置和推荐针对用户情况的解决方案和金融产品。 此外，自动辅导系统可以分析推荐产品对用户财务模式的影响。
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公开(公告)号：US07818233B1
公开(公告)日：2010-10-19
申请号：US09704838
申请日：2000-11-01
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q20/10 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： The present invention is a graphical user interface within the context of a financial planning and management system and method. The model consists of a user intention modeling module and an investment planning module. The graphical user interface displays a model and many of its related characteristics simultaneously and allows the user to interactively manipulate the model by selecting various function and mode icons. Furthermore, the user may accesses both a live advisor and an automated coach through the graphical user interface by selecting one of several communication icons.
摘要翻译： 本发明是在财务规划和管理系统和方法的背景下的图形用户界面。 该模型由用户意图建模模块和投资计划模块组成。 图形用户界面同时显示模型及其相关特性，允许用户通过选择各种功能和模式图标来交互式地操纵模型。 此外，用户可以通过选择几个通信图标之一通过图形用户界面同时访问实时顾问和自动化教练。
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公开(公告)号：US07315837B2
公开(公告)日：2008-01-01
申请号：US09929735
申请日：2001-08-13
IPC分类号： G06Q40/00
摘要： The present invention provides a method and a computer system for providing a communication medium over a network for financial modeling and counseling. The system includes financial modeling using a profile of a user and provides automated customized financial coaching directly to the user in a web-based environment. The financial coaching is based on the financial modeling and the profile and includes suggestions for changes to the user's current financial portfolio. The suggestions are presented in a natural language format and include financial products and recommended securities for the user to purchase. The financial advisor may provide live financial coaching such that the user is assisted in achieving financial goals and optimizing long-term goals.
摘要翻译： 本发明提供一种用于通过网络提供通信介质以进行金融建模和咨询的方法和计算机系统。 该系统包括使用用户简档的财务建模，并在基于Web的环境中直接向用户提供自动定制的财务辅导。 财务教练是基于财务模型和简介，并包括对用户当前金融投资组合变更的建议。 建议以自然语言格式提供，并包括金融产品和推荐证券供用户购买。 财务顾问可以提供实时财务指导，以帮助用户实现财务目标并优化长期目标。
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公开(公告)号：US07401040B2
公开(公告)日：2008-07-15
申请号：US09927560
申请日：2001-08-10
IPC分类号： G06Q40/00
摘要： The present invention relates to a web-based financial management system for providing personalized financial coaching to a user. The system operates in a collaborative computing environment between the user and a financial advisor and comprises a service level subsystem and an advice generating subsystem. The service level subsystem allows the user to negotiate a service level agreement that defines the user's desired level of support and limits access to user provided information. The advice generating subsystem is coupled to the service level subsystem and includes one or more coaching engines that dynamically analyze the financial needs of the user in accordance with the user's service level agreement. Furthermore, the coaching engine provides customized financial advice tailored to the user's life intentions. The present invention also provides for a financial portfolio management subsystem enabling the user to model the effects of adding or deleting various securities and helping the user to better conform his portfolio to his level of risk tolerance and his investment style.
摘要翻译： 本发明涉及一种用于向用户提供个性化金融辅导的基于网络的财务管理系统。 该系统在用户和财务顾问之间的协作计算环境中操作，并且包括服务级子系统和建议生成子系统。 服务级子系统允许用户协商定义用户希望的支持级别的服务级别协议，并限制对用户提供的信息的访问。 咨询生成子系统耦合到服务级子系统，并且包括一个或多个辅导引擎，其根据用户的服务水平协议动态地分析用户的财务需求。 此外，教练引擎根据用户的生活意图提供定制的财务建议。 本发明还提供一种金融投资组合管理子系统，使得用户能够对添加或删除各种证券的效果进行建模，并帮助用户更好地将其投资组合符合其风险承受能力和投资风格。
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公开(公告)号：US07921048B2
公开(公告)日：2011-04-05
申请号：US09929610
申请日：2001-08-13
IPC分类号： G06Q40/00
摘要： A system, method and article of manufacture are provided for generating an online, web-enabled financial model accessible over the Internet. A service level agreement that defines a level of financial management desired by a user is provided. A user is prompted to input financial information relative to the user. The financial information is stored in a database. A prospective cash flow of the user is aggregated over a predetermined amount of time based on the service level agreement and the financial information. The prospective cash flow is then output to the user. As an option, the user may be allowed to re-input the financial information if the prospective cash flow is deemed unacceptable by the user. A risk analysis may be executed if the prospective cash flow is deemed acceptable by the user. Further, advice based on the financial information may be output if the prospective cash flow is deemed acceptable to the user.
摘要翻译： 提供了一种系统，方法和制造品，用于生成可通过因特网访问的在线支持Web的财务模型。 提供了定义用户期望的财务管理级别的服务级别协议。 提示用户输入相对于用户的财务信息。 财务信息存储在数据库中。 基于服务水平协议和财务信息，用户的预期现金流量将在预定的时间内进行汇总。 然后将预期的现金流输出给用户。 作为选择，如果用户认为预期现金流被认为是不可接受的，则可以允许用户重新输入财务信息。 如果用户可以接受预期的现金流量，则可以执行风险分析。 此外，如果预期的现金流被认为是可接受的，则可以输出基于财务信息的建议。
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