ASSET PLANNING AND TRACKING
2 Assignments
0 Petitions
Accused Products
Abstract
A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user'"'"'s periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.
11 Citations
63 Claims
-
1-42. -42. (canceled)
-
43. A computer-implemented method comprises:
-
receiving, by one or more computer systems that comprise a computer processor and memory, information indicative of transactions that occur in one or more financial accounts of a user; receiving by the one or more computer systems information indicative of a recommended amount of financial resources to meet a savings goal; determining by the one or more computer systems based on the information received about the transactions that an amount of financial resources in the one or more financial accounts exceeds the recommended amount of financial resources to meet the savings goal; generating, by the one or more computers, information indicative of a suggested transaction that has a suggested amount that is based on the amount of financial resources in the one or more financial accounts in excess of the recommended amount. - View Dependent Claims (44, 45, 46, 47, 48, 49, 50, 51, 52, 53)
-
-
54. A computer system comprising:
-
a processor; and a computer program product embodied on a computer-readable storage medium, the computer program product comprising instructions for causing the processor to perform operations comprising; receiving information indicative of transactions that occur in one or more financial accounts of a user; receiving information indicative of a recommended amount of financial resources to meet a savings goal; determining based on the information received about the transactions that an amount of financial resources in the one or more financial accounts exceeds the recommended amount of financial resources to meet the savings goal; generating information indicative of a suggested transaction that has a suggested amount that is based on the amount of financial resources in the one or more financial accounts in excess of the recommended amount. - View Dependent Claims (55, 56, 57, 58)
-
-
59. A computer program product embodied on a computer-readable storage hardware device, the computer program product comprising instructions for causing a processor to perform operations comprising:
-
receiving information indicative of transactions that occur in one or more financial accounts of a user; receiving information indicative of a recommended amount of financial resources to meet a savings goal; determining based on the information received about the transactions that an amount of financial resources in the one or more financial accounts exceeds the recommended amount of financial resources to meet the savings goal; generating information indicative of a suggested transaction that has a suggested amount that is based on the amount of financial resources in the one or more financial accounts in excess of the recommended amount. - View Dependent Claims (60, 61, 62, 63)
-
Specification