SYSTEM FOR ACCOUNT LINKING AND FUTURE EVENT INTEGRATION INTO RETIREMENT SCORE CALCULATION
First Claim
1. A system for determining a projected retirement score, the system comprising:
- a memory;
a communication device connected to a distributed network;
a processing device;
a software module stored in memory comprising executable instructions that when executed by the processing device, cause the processing device to;
compile into a structured database connected to the distributed network projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user;
generate a projected retirement score based on the projected retirement information of the first use, wherein the projected retirement score is an estimate of the user'"'"'s preparedness for retirement at a future predetermined date;
receive from a personal computing device connected to the distributed network, a request to link a user profile for a second user to the user profile of the first user;
authorize the request to link the user profile of the second user with the user profile of the first user based at least in part on an association between the first user and the second user;
compile into the structured database projected retirement information of the second user based on authorizing the request to link the user profile of the second user to the user profile of the first user;
combine the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information;
update the projected retirement score based on the combined projected retirement information; and
communicate to the personal computing device, via the communication device, the projected retirement score.
1 Assignment
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Accused Products
Abstract
Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to compile projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user. Based on the user profile of the first user, the system generates a projected retirement score. After generating the projected retirement score, the system receives a request to link a user profile for a second user to the user profile of the first user. The system projected retirement information of the second user and combines the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information. Using both the projected retirement information, the system updates the projected retirement score.
10 Citations
20 Claims
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1. A system for determining a projected retirement score, the system comprising:
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a memory; a communication device connected to a distributed network; a processing device; a software module stored in memory comprising executable instructions that when executed by the processing device, cause the processing device to; compile into a structured database connected to the distributed network projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user; generate a projected retirement score based on the projected retirement information of the first use, wherein the projected retirement score is an estimate of the user'"'"'s preparedness for retirement at a future predetermined date; receive from a personal computing device connected to the distributed network, a request to link a user profile for a second user to the user profile of the first user; authorize the request to link the user profile of the second user with the user profile of the first user based at least in part on an association between the first user and the second user; compile into the structured database projected retirement information of the second user based on authorizing the request to link the user profile of the second user to the user profile of the first user; combine the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information; update the projected retirement score based on the combined projected retirement information; and communicate to the personal computing device, via the communication device, the projected retirement score. - View Dependent Claims (2, 3, 4, 5, 6, 7, 18)
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8. A computer program product for determining a projected retirement score comprising a non-transitory computer-readable storage medium having computer-executable instructions to:
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compile into a structured database connected to a distributed network projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user; generate a projected retirement score based on the projected retirement information of the first use, wherein the projected retirement score is an estimate of the user'"'"'s preparedness for retirement at a future predetermined date; receive from a personal computing device connected to the distributed network, a request to link a user profile for a second user to the user profile of the first user; authorize the request to link the user profile of the second user with the user profile of the first user based at least in part on an association between the first user and the second user; compile into the structured database projected retirement information of the second user based on authorizing the request to link the user profile of the second user to the user profile of the first user; combine the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information; update the projected retirement score based on the combined projected retirement information; and communicate to the personal computing device, via the communication device, the projected retirement score. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A method for determining a projected retirement score, comprising:
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compiling into a structured database connected to a distributed network projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user; generating a projected retirement score based on the projected retirement information of the first use, wherein the projected retirement score is an estimate of the user'"'"'s preparedness for retirement at a future predetermined date; receiving from a personal computing device connected to the distributed network, a request to link a user profile for a second user to the user profile of the first user; authorizing the request to link the user profile of the second user with the user profile of the first user based at least in part on an association between the first user and the second user; compiling into the structured database projected retirement information of the second user based on authorizing the request to link the user profile of the second user to the user profile of the first user; combining the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information; updating the projected retirement score based on the combined projected retirement information; and communicating to the personal computing device, via the communication device, the projected retirement score. - View Dependent Claims (16, 17, 19, 20)
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Specification