公开(公告)号：US20170193604A1

公开(公告)日：2017-07-06

申请号：US14987145

申请日：2016-01-04

Applicant: Bank of America Corporation

Inventor： Joseph Neil Johansen ,  Christopher Shawn Vale ,  Alexander C. Wittkowski ,  Anthony David Guido ,  Robert Scott Seidman ,  Michael Ma

IPC: G06Q40/06 ,  G06F17/30

CPC classification number: G06Q40/06

Abstract: Embodiments of the invention provide for systems, computer program products, and methods for a financial wellness application that provides an overview of the financial well-being of users. The financial wellness of the users may be determined by identifying personal characteristics of the users regarding background information about the users and the users' households. Based on a user's personal characteristics, financial wellness questions are determined from a plurality of financial wellness questions to present to the user for which the user provides financial wellness input. The financial wellness input is transformed into a financial situation assessment, day-to-day management assessment, and preparation for the future assessment, which are transformed into an overall wellness score. Moreover, the financial wellness input may also be compared against financial wellness thresholds. As such, when the user's financial wellness input fails to meet the threshold values it may trigger the display of actionable advice for the user.