System for depicting a user's current financial path within a period relative to the user's typical financial path in a comparable period
US12062086B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Aug 12, 2022 |
| Grant date | Aug 13, 2024 |
| Priority date | — |
| Expiry date | Aug 12, 2042 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q50/01
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Some embodiments of the invention provide tools for promoting a user's financial well-being by encouraging positive financial behavior through timely feedback, counseling and instruction. For example, some embodiments of the invention may provide real-time (e.g., in response to a transaction being performed, or in response to the user indicating he/she is contemplating a transaction) useful analysis and advice designed to encourage the type of ongoing financial behavior that leads over time to financial well-being. Some embodiments are directed to ascertaining a current financial path for a user and a typical financial path in one or more prior months, and causing information useful for rendering a representation of the current and typical financial paths on a graphical user interface to be transmitted via one or more networks to a mobile device associated with the user.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.