CREATING AN INTUITIVE VISUAL PLAN FOR ACHIEVING FINANCIAL GOALS

• US 20150081498A1
• Filed: 09/09/2014
• Published: 03/19/2015
• Est. Priority Date: 09/09/2013
• Status: Active Grant

• Current Assignee: MX Technologies Inc.
• Original Assignee: MoneyDesktop, Inc.
• Inventors: Caldwell, John Ryan, Knotts, Ronald Brennan, Hopkins, Jonathan R.
• Granted Patent: US 11,544,778 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06F 3/04842 Selection of displayed objects or displayed text elements G06F3/0482 takes precedence
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis

Abstract

The disclosure extends to methods, systems, and computer program products for producing financial goal planning having two dimensional and three dimensional graphical representations for financial goals.

Claims

1. A method of financial goal planning within a computing environment comprising:

receiving a financial goal from a user via a computing terminal wherein the financial goal comprises an amount value and a time value that are stored in computer memory;

receiving a priority value from a user via the computing terminal corresponding to the financial goal;

determining a context for the financial goal based at least in part on the amount value and the priority value;

wherein a context for the financial goal is graphically represented to a user via the computer terminal having a digital display by a two dimensional polygon that has an area corresponding to the amount value;

determining a relative position of the polygon along a distance-converging graphic based at least in part on the time value and the context such that placement within the distance-converging graphic portrays passage of time via the digital display; and

displaying on the digital display the relative position of the polygon along the distance-converging graphic to a user.

2. The method of claim 1, further comprising a plurality of financial goals corresponding to a plurality of polygons and wherein each of the plurality of polygons have areas that are proportional to their corresponding amount value.

3. The method of claim 1, wherein the distance-converging graphic comprises converging bounding lines such that when displayed two dimensionally the bounding lines converge in an upward direction.

4. The method of claim 1, wherein the relative position of a plurality of polygons is displayed between the converging bounding lines and ordered according to the time values corresponding to a plurality of financial goals corresponding to the plurality of polygons.

5. The method of claim 1, wherein the area of the polygons are proportional to their position on the distance-converging graphic.

6. The method of claim 1, wherein the areas of the polygons have a maximum that is determined by a logarithmic factor such that maximum area of any of the polygons is limited.

7. The method of claim 1, wherein the areas of the polygons have a minimum that is determined by a logarithmic factor such that minimum area of any of the polygons is limited.

8. The method of claim 1, wherein the method further comprises determining the areas of the polygons based on available display size.

9. The method of claim 1, further comprising displaying motion relative to the distance-converging graphic such that a user perceives traveling along the distance-converging graphic at a rate of travel.

10. The method of claim 1, wherein a rate of travel for the moving graphic is determined by meeting a predetermined threshold corresponding to financial goals.

11. The method of claim 10, wherein, the rate of travel is positive in a perceived forward motion.

12. The method of claim 10, wherein the rate of travel is negative in a perceived backward motion along the distance converging graphic.

13. The method of claim 1, further comprising receiving a zoom level input from a user and causing perceived travel along the distance converging graphic.

14. A system for financial goal planning within a computing environment, said computer environment comprising a computer, a network, computer storage and memory, and processors for performing the processes of:

receiving a financial goal from a user via a computing terminal wherein the financial goal comprises an amount value and a time value that are stored in computer memory;

receiving a priority value from a user via the computing terminal corresponding to the financial goal;

determining a context for the financial goal based at least in part on the amount value and the priority value;

wherein a context for the financial goal is graphically represented to a user via the computer terminal having a digital display by a two dimensional polygon that has an area corresponding to the amount value;

determining a relative position of the polygon along a distance-converging graphic based at least in part on the time value and the context such that placement within the distance-converging graphic portrays passage of time via the digital display; and

displaying on the digital display the relative position of the polygon along the distance-converging graphic to a user.

15. The system of claim 14, further comprising a plurality of financial goals corresponding to a plurality of polygons and wherein each of the plurality of polygons have areas that are proportional to their corresponding amount value.

16. The system of claim 14, wherein the distance-converging graphic comprises converging bounding lines such that when displayed two dimensionally the bounding lines converge in an upward direction.

17. The system of claim 14, wherein the relative position of a plurality of polygons is displayed between the converging bounding lines and ordered according to the time values corresponding to a plurality of financial goals corresponding to the plurality of polygons.

18. The system of claim 14, wherein the area of the polygons are proportional to their position on the distance-converging graphic.

19. The system of claim 14, wherein the areas of the polygons have a maximum that is determined by a logarithmic factor such that maximum area of any of the polygons is limited.

20. The system of claim 14, wherein the areas of the polygons have a minimum that is determined by a logarithmic factor such that minimum area of any of the polygons is limited.

21. The system of claim 14, wherein the method further comprises determining the areas of the polygons based on available display size.

22. The system of claim 14, further comprising displaying motion relative to the distance-converging graphic such that a user perceives traveling along the distance-converging graphic at a rate of travel.

23. The system of claim 14, wherein a rate of travel for the moving graphic is determined by meeting a predetermined threshold corresponding to financial goals.

24. The system of claim 23, wherein, the rate of travel is positive in a perceived forward motion.

25. The system of claim 23, wherein the rate of travel is negative in a perceived backward motion along the distance converging graphic.

26. The system of claim 14, further comprising receiving a zoom level input from a user and causing perceived travel along the distance converging graphic.