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Financial modeling systems and methods

  • US 10,096,061 B2
  • Filed: 03/20/2009
  • Issued: 10/09/2018
  • Est. Priority Date: 03/20/2008
  • Status: Active Grant
First Claim
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1. A non-transitory computer-readable medium storing instructions that, when executed by one or more processors, cause a system to:

  • receive financial data relating to an entity;

    categorize the financial data into a plurality of financial components, the plurality of financial components at least including a protection component, and savings component, and a growth component;

    responsive to analyzing the financial data and a set of assumptions, create, by the processor, a financial model based on the plurality of financial components;

    output, for display, a graphical representation of the financial model, the graphical representation illustrating application of one or more of the plurality of financial components to the financial data;

    divide each of the plurality of financial components into a plurality of sub-components;

    output, for display, for at least one of the plurality of financial components, a graphical representation of the sub-components associated with the at least one financial component, each respective sub-component of the at least one financial component being represented in a respective cell of a grid, wherein the grid has a plurality of rows and a plurality of columns, and wherein the graphical representations of the sub-components associated with the at least one financial component are arranged inside the grid according to a predetermined hierarchical pattern based at least in part on a number of functions associated with each respective sub-component; and

    responsive to receiving an update to the financial data and the set of assumptions, output, for display, a dynamically updated graphical representation of the financial model dynamically based on the received update, the dynamically updated graphical representation of the financial model including simulating a move of funds by;

    graphically depicting removal of a value of the funds from a first displayed sub-component; and

    graphically depicting movement of the value of the funds between the first displayed sub-component and a second displayed sub-component by;

    illustrating physical motion, from the first displayed sub-component to the second displayed sub-component, of a graphical depiction of the value of the funds across a display; and

    graphically depicting combining the value of the funds with a value in the second displayed sub-component.

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