公开(公告)号：US20150287137A1

公开(公告)日：2015-10-08

申请号：US14247010

申请日：2014-04-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： Kazi M. Ariff ,  Carol A. Smith ,  Shane A. Johnson ,  Russell W. Tipper ,  Yicong Li ,  Sean M. O'Connor ,  Thomas D. Kelley ,  Susan S. Thomas ,  William F. Borowski ,  William J. Aheron ,  Judith M. Anderson ,  Steven K. Hayes ,  Neal G. Wolfson ,  Jeffrey P. Judd ,  James P. Kirkman ,  Jeffrey H. Bierer

IPC: G06Q40/02

CPC classification number: G06Q40/025

Abstract: Systems, methods, and computer program products are provided for providing a financial health indicator based on the user's credit report score and the user's budget indicator. Implemented in conjunction with a budget tracking system, the invention may provide financial health indicators indicating both short-term budget impact and long-term budget impact. In addition, certain embodiments provide for recognizing recurring expenditures and automatically providing the user with the budget impact of such recurring expenditures as a financial health indicator.

Abstract translation: 提供系统，方法和计算机程序产品，用于根据用户的信用报告分数和用户的预算指标提供财务健康指标。 结合预算跟踪系统实施，本发明可以提供财务健康指标，表明短期预算影响和长期预算影响。 此外，某些实施例规定了识别经常性支出并自动向用户提供诸如财务健康指标之类的经常性支出的预算影响。