Beam Scale Apparatus Implemented for Visual Assessment of Financial Plans
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Accused Products
Abstract
A beam scale apparatus, which can be implemented as a physical apparatus or presented as a graphical representation through computer-based system, is provided for visually assessing a financial plan and the impact of changes thereto.
12 Citations
20 Claims
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1-7. -7. (canceled)
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8. A computerized method for visually assessing a financial plan, the method comprising:
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calculating, by a computing device, a savings total based on a selected savings rate during a selected savings period; calculating, by the computing device, a spending total based on a selected spending rate during a selected spending period; generating, by the computing device, on a display device a graphical representation of a beam scale apparatus having a balance beam member disposed on a fulcrum; positioning, by the computing device, on the display device a graphical representation of a first weight representing the savings total, the first weight being positioned on a first side of the balance beam member at a first distance from the fulcrum, the first distance being directly related to a duration of the selected savings period; positioning, by the computing device, on the display device a graphical representation of a second weight representing the spending total, the second weight being positioned on a second side of the balance beam member at a second distance from the fulcrum, the second distance being inversely related to a duration of the selected spending period; and setting, by the computing device, on the display device a pitch of the balance beam member at a pitch angle on the fulcrum, the pitch angle being a function of the savings total accrued during the selected savings period relative to the spending total consumed during the selected spending period, wherein the pitch angle is; zero degrees when the savings total accrued during the selected savings period is in balance with the spending total consumed during the selected spending period; biased toward the first weight when the savings total accrued during the selected savings period exceeds the spending total consumed during the selected spending period; and biased toward the second weight when the spending total consumed during the selected spending period exceeds the savings total accrued during the selected savings period. - View Dependent Claims (9, 13, 14, 15, 16, 17, 18)
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10-12. -12. (canceled)
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19. A computer program product, tangibly embodied in a non-transitory computer readable storage device, for visually assessing a financial plan, including instructions being operable to cause a data processing apparatus to:
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calculate a savings total based on a selected savings rate during a selected savings period; calculate a spending total based on a selected spending rate during a selected spending period; generate on a display device a graphical representation of a beam scale apparatus having a balance beam member disposed on a fulcrum; position on the display device a graphical representation of a first weight representing the savings total, the first weight being positioned on a first side of the balance beam member at a first distance from the fulcrum, the first distance being directly related to a duration of the selected savings period; position on the display device a graphical representation of a second weight representing the spending total, the second weight being positioned on a second side of the balance beam member at a second distance from the fulcrum, the second distance being inversely related to a duration of the selected spending period; and set on the display device a pitch of the balance beam member at a pitch angle on the fulcrum, the pitch angle being a function of the savings total accrued during the selected savings period relative to the spending total consumed during the selected spending period, wherein the pitch angle is; zero degrees when the savings total accrued during the selected savings period is in balance with the spending total consumed during the selected spending period; biased toward the first weight when the savings total accrued during the selected savings period exceeds the spending total consumed during the selected spending period; and biased toward the second weight when the spending total consumed during the selected spending period exceeds the savings total accrued during the selected savings period.
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20. (canceled)
Specification