System for demonstrating financial concepts and displaying financial data

• US 5,245,535 A
• Filed: 04/05/1991
• Issued: 09/14/1993
• Est. Priority Date: 04/05/1991
• Status: Expired due to Term

• Current Assignee: Citibank NA A National Banking Association (Citigroup Incorporated)
• Original Assignee: Citibank (South Dakota) NA (Citigroup Incorporated)
• Inventors: Green, Michael, Bock, Brian C., Eisner, Mark, Nicholson, Thomas J., Jacobson, Juliet A., Lucivansky, Lynn, Enerson, Meryl, Edelstein, Walter, Paley, William B., Rapaczynski, Wanda, Hinsch, Hanno, Reilly, Patrick T., Arlett-Gould, Alexis, Weiss, Lawrence D.
• Primary Examiner(s): Envall, Jr., Roy N.
• Assistant Examiner(s): Tran, Khai
• Application Number:
  US07/682,240
• Time in Patent Office: 893 Days
• Field of Search: 364/401, 364/407, 364/408, 395/155, 395/156, 395/157, 340/722, 340/752, 434/41 B
• US Class Current: 705/36.00R
• 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
• CPC Class Codes: G09B 19/18 Book-keeping or economics

Abstract

A system for demonstrating financial and financially related concepts and displaying financial and financially related information is provided. The system includes a central processing unit for processing financial information and for creating graphic displays from numerical data, a demonstrator station and at least one viewer station. Both demonstrator and viewer stations include display means for displaying financial information in graphic and textual form. The demonstrator station further comprises data entry means for entering alphanumeric data, and input means for inputting signals to direct the display of information on the display means of both the demonstrator station and the viewer station or stations. The graphic information displayed on the viewer station display means is a subset of the information displayed on the demonstrator station displaying means. The system also includes means for generating graphic displays based on entered data. Additional graphic displays can be generated based on altered or additional numerical data. The system can generate two different graphic displays generated from two different sets of entered data. The system further includes means for printing the entered data.

Claims

1. A system for demonstrating financial concepts and displaying financial information comprising:

a central processing unit for processing financial information, said central processing unit including means for creating graphic displays from numerical data input;

a viewer station connected to said central processing unit, said viewer station comprising means for displaying financial information in graphic and textual form;

a demonstrator station connected to said central processing unit, said demonstrator station comprising;

means for displaying financial information in graphic and textual form; and

data entry means for entering personal financial alphanumeric data;

means for preparing individualized financial information in response to said data entry means; and

means for generating the display of individualized financial information on said means for displaying at both said demonstrator station and said viewer station, wherein the graphic individualized financial information displayed on said viewer station displaying means is a subset of the individualized financial information displayed on said demonstrator station displaying means.

2. The system of claim 1 further comprising means for displaying at least one help menu at said demonstrator station, said help menu being activated by said data entry means and said means for generating the display of individualized financial information to input a signal to direct the display of information on said means for displaying of both said demonstrator station and said viewer station, wherein at least one help menu is not displayed at said viewer station.

3. The system of claim 1 further comprising means for displaying at least one text field at said demonstrator station, wherein said text field is not displayed at said viewer station.

4. The system of claim 3 further comprising means for displaying at least one text field at said viewer station, wherein said text field is not displayed at said demonstrator station.

5. The system of claim 2, wherein said at least one help menu at said demonstrator station is activatable by said data entry means.

6. The system of claim 2, wherein said at least one help menu at said demonstrator station is activatable by said input means.

7. The system of claim 6, wherein said input means comprises a mouse.

8. The system of claim 6, wherein said input means comprises a touch screen display.

9. The system of claim 6, wherein said input means comprises a light pen.

10. The system of claim 2, wherein said help menu comprises an icon.

11. The system of claim 2, wherein said help menu comprises text.

12. The system of claim 1, wherein said data entry means comprises a keyboard.

13. The system of claim 5, wherein said data entry means comprises a keyboard.

14. The system of claim 1, where said viewer station is located at a location remote from said demonstrator station.

15. A system for demonstrating financial concepts and displaying financial information comprising:

means for inputting customer data;

a central processing unit for processing financial information, said central processing unit including means for creating graphic displays of individualized financial information in response to customer data;

a viewer station connected to said central processing unit, said viewer station comprising means for displaying individualized financial information in graphic and textual form;

a demonstrator station connected to said central processing unit, said demonstrator station comprising means for displaying individualized financial information in graphic and textual form and data entry means for entering at least a first set and a second set of individualized financial numerical data;

wherein;

said system generates at least a first graphic display from said first set of entered individualized financial numerical data and a second graphic display from said second set of entered individualized financial numerical data, said first and second graphic displays being displayed on said viewer and demonstrator station display means.

16. The system of claim 15, wherein said graphic displays comprise charts generated from said entered individualized financial numerical data.

17. The system of claim 15, wherein said first and second graphic displays are simultaneously displayed on said viewer and demonstrator station display means.

18. The system of claim 15, further comprising means for printing said entered individualized financial numerical data.

19. A method for displaying personalized financial information comprising the steps of:

displaying financial concepts and at least one help menu,

inputting customer data in response to said help menus,

computing financial forecasts based upon said customer data wherein said computing comprises, accessing a first library of numerical data, said library having means for calculating financial forecasts using said customer data, accessing a second library of graphical data;

calculating financial forecasts using said library of numerical data and creating a graphic display of said financial forecast based upon said library graphical data;

generating graphical displays of financial forecasts having prompts;

displaying at least a first set of said financial forecasts having prompts;

selecting a subset of said first set of financial forecasts in response to said prompts; and

displaying said subset of said first set of financial forecasts omitting said prompts.

20. A method for presenting personalized financial information as claimed in claim 19, further comprising the step of accessing and using historical customer data for calculating financial forecasts.

21. A method for displaying personalized financial information as claimed in claim 19, wherein the step of inputting of customer data is prompted by help menus.

22. A method for displaying personalized financial information as claimed in claim 19 wherein the step of selecting a subset of said first set of financial forecasts, is prompted by help menus.

23. A method for displaying personalized financial information as claimed in claim 19, wherein the step of computing financial forecasts includes computing alternate forecasts based upon at least one economic model.

24. A method for displaying personalized financial information as claimed in claim 19, comprises the further step of storing customer data and accessing said stored customer data to computer financial forecasts.

25. A method for displaying personalized financial information as claimed in claim 19, wherein said computing of financial forecasts based upon customer data is in response to at least one set of customer data.

26. A method for displaying personalized financial information as claimed in claim 19, wherein said displaying of financial information is graphical.

27. Method for displaying personalized financial information as claimed in claim 19, wherein said displaying of financial information is textual.

28. A method for displaying personalized financial information as claimed in claim 19, wherein said displaying of financial information is both graphical and textual.

29. A display station for displaying financial concepts and personalized financial data, comprising:

a frame having at least one working surface,

a first viewer display screen mounted on said frame,

a second demonstrator display screen mounted on said frame,

means for displaying financial concepts on said first viewer and second demonstrator display screens,

means for calculating personalized financial forecasts in response to said means for inputting data, and

means for selecting personalized financial forecasts for presentation on said viewer display screen.