Network-based financial planning system and method
First Claim
1. A method for allowing a user of a user terminal to receive credit financing opportunities based on a multi-level output of opportunities, the method comprising:
- electrically receiving credit data from the user terminal, the credit data comprising a user objective and a credit profile, wherein the user objective is received from the user and is selected from the group consisting of;
(1) modifying an interest rate, (2) modifying a monthly payment, and (3) obtaining credit, loan or other financing, and the credit profile comprises at least one particular of any number of financial products currently held by the user;
electrically determining at least one credit financing opportunity based on the credit data and at least one predetermined decision rule, wherein the at least one credit financing opportunity comprises any number of financial products that meet the user objective;
electrically determining if the at least one credit financing opportunity benefits the user in comparison to the financial products held by the user, wherein the benefit comprises a savings to the user of at least a predetermined amount of money or other value;
electrically generating at least one multi-level output, wherein the multi-level output comprises;
(1) a comparison of at least part of the credit profile with the at least one determined credit financing opportunity that benefits the user, and (2) the benefit received by the user if the at least one credit financing opportunity is pursued; and
electrically providing the multi-level output to the user terminal, wherein the multi-level output is selectable by the user and comprises;
(1) a first level output interface comprising at least one comparison area, wherein each of the at least one comparison area comprises a current product portion providing particulars on a current user financial product, and a proposed product portion providing particulars on the at least one determined credit financing opportunity that meets the user'"'"'s objective, and (2) a second-level output interface comprising at least one proposed consolidation opportunity that meets the user'"'"'s objective, wherein the at least one consolidation opportunity consolidates the user'"'"'s current debt to meet the user'"'"'s objective, and wherein the second-level output is presented to the user upon the user initiating an icon included in the first-level output.
2 Assignments
0 Petitions
Accused Products
Abstract
A method and information processor are provided which allow a user of a user terminal to receive a list of credit financing opportunities based on the user'"'"'s financing objectives in which credit data is received from the user terminal. The credit data includes the user'"'"'s objective and a credit profile. Credit financing opportunities are determined based on the credit data and one or more predetermined decision rules. An output is generated and provided to the user terminal which includes a comparison of at least part of the credit profile with the determined credit financing opportunities.
252 Citations
69 Claims
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1. A method for allowing a user of a user terminal to receive credit financing opportunities based on a multi-level output of opportunities, the method comprising:
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electrically receiving credit data from the user terminal, the credit data comprising a user objective and a credit profile, wherein the user objective is received from the user and is selected from the group consisting of;
(1) modifying an interest rate, (2) modifying a monthly payment, and (3) obtaining credit, loan or other financing, and the credit profile comprises at least one particular of any number of financial products currently held by the user;electrically determining at least one credit financing opportunity based on the credit data and at least one predetermined decision rule, wherein the at least one credit financing opportunity comprises any number of financial products that meet the user objective; electrically determining if the at least one credit financing opportunity benefits the user in comparison to the financial products held by the user, wherein the benefit comprises a savings to the user of at least a predetermined amount of money or other value; electrically generating at least one multi-level output, wherein the multi-level output comprises;
(1) a comparison of at least part of the credit profile with the at least one determined credit financing opportunity that benefits the user, and (2) the benefit received by the user if the at least one credit financing opportunity is pursued; andelectrically providing the multi-level output to the user terminal, wherein the multi-level output is selectable by the user and comprises;
(1) a first level output interface comprising at least one comparison area, wherein each of the at least one comparison area comprises a current product portion providing particulars on a current user financial product, and a proposed product portion providing particulars on the at least one determined credit financing opportunity that meets the user'"'"'s objective, and (2) a second-level output interface comprising at least one proposed consolidation opportunity that meets the user'"'"'s objective, wherein the at least one consolidation opportunity consolidates the user'"'"'s current debt to meet the user'"'"'s objective, and wherein the second-level output is presented to the user upon the user initiating an icon included in the first-level output. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. A computer readable storage medium storing computer executable instructions which, when executed, perform a method for allowing a user of a user terminal to receive credit financing opportunities based on a multi-level output of opportunities, the method comprising:
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electrically receiving credit data from the user terminal, the credit data comprising a user objective and a credit profile, wherein the user objective is received from the user and is selected from the group consisting of;
(1) modifying an interest rate, (2) modifying a monthly payment, and (3) obtaining credit, loan or other financing, and the credit profile comprises at least one particular of any number of financial products held by the user;electrically determining credit financing opportunities based on the credit data and at least one predetermined decision rule, wherein the credit financing opportunities comprise at least one financial product that meets the user objective; electrically determining if the credit financing opportunities benefit the user in comparison to the financial products held by the user, wherein the benefit comprises a savings to the user of at least a predetermined amount of money or other value; electrically generating at least one multi-level output, wherein the multi-level output comprises;
(1) a comparison of at least part of the credit profile with the determined credit financing opportunities that benefits the user, and (2) the benefit the user would receive if the credit financing opportunities are pursued; andelectrically providing the multi-level output to the user terminal, wherein the multi-level output is selectable by the user and comprises;
(1) a first level output interface comprising at least one comparison area, wherein each of the at least one comparison area comprises a current product portion providing particulars on a current user financial product, and a proposed product portion providing particulars on the at least one determined credit financing opportunity that meets the user'"'"'s objective, and (2) a second-level output interface comprising at least one proposed consolidation opportunity that meets the user'"'"'s objective, wherein the at least one consolidation opportunity consolidates the user'"'"'s current debt to meet the user'"'"'s objective, and wherein the second-level output is presented to the user upon the user initiating an icon included in the first-level output. - View Dependent Claims (25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42)
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43. An information processor in a financial processing system, the information processor coupled to at least one user terminal via a communication network, the information processor comprising:
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a memory storing at least one decision rule; a network interface coupling the information processor to the communication network; and a central processing unit performing the functions of; electrically receiving, via the network interface, credit data from the user terminal, the credit data comprising a user objective and a credit profile, wherein the user objective is received from the user and is selected from the group consisting of;
(1) modifying an interest rate, (2) modifying a monthly payment, and (3) obtaining credit, loan or other financing, and the credit profile comprises at least one particular of any number of financial products held by the user;electrically determining credit financing opportunities, the determination being based on the credit data and at least one predetermined decision rule, wherein the credit financing opportunities comprising at least one financial product that meets the user objective; electrically determining if the credit financing opportunities benefit the user in comparison to the financial products held by the user, wherein the benefit comprises a savings to the user of at least a predetermined amount of money or other value; electrically generating at least one multi-level output, wherein the multi-level output comprising;
(1) a comparison of at least part of the credit profile with the determined credit financing opportunities that benefits the user, and (2) the benefit the user would receive if the credit financing opportunities are pursued; andelectrically providing the output to the user terminal, wherein the multi-level output is selectable by the user and comprises;
(1) a first level output interface comprising at least one comparison area, wherein each of the at least one comparison area comprises a current product portion providing particulars on a current user financial product, and a proposed product portion providing particulars on the at least one determined credit financing opportunity that meets the user'"'"'s objective, and (2) a second-level output interface comprising at least one proposed consolidation opportunity that meets the user'"'"'s objective, wherein the at least one consolidation opportunity consolidates the user'"'"'s current debt to meet the user'"'"'s objective, and wherein the second-level output is presented to the user upon the user initiating an icon included in the first-level output. - View Dependent Claims (44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61)
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62. A method for allowing a user of a user terminal to apply for a credit financing opportunity via a communication network, the method comprising:
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electrically receiving credit data from the user terminal, the credit data comprising a user objective indicating that the user wishes to obtain credit and a credit profile, wherein the user objective is received from the user and is selected from the group consisting;
(1) modifying an interest rate, (2) modifying a monthly payment, and (3) obtaining credit, loan or other financing, and the credit profile comprises at least one particular of any number of financial products currently held by the user;electrically determining potential financing products based at least in part on the credit data, wherein the potential financing products comprise at least one financial product that meets the user objective; electrically determining if the determined potential financing products benefit the user in comparison to the financial products held by the user, wherein the benefit comprises a savings to the user of at least a predetermined amount of money or other value; electrically providing a list of the determined potential financing products that benefit the user to the user terminal and a comparison of at least part of the credit profile with the determined potential financing products that benefit the user, wherein the list of the determined financing products is presented as a multi-level output, and wherein the multi-level output is selectable by the user and comprises;
(1) a first level output interface comprising at least one comparison area, wherein each of the at least one comparison area comprises a current product portion providing particulars on a current user financial product, and a proposed product portion providing particulars on at least one of the determined potential financing products that meets the user'"'"'s objective, and (2) a second-level output interface comprising at least one proposed consolidation opportunity that meets the user'"'"'s objective, wherein the at least one consolidation opportunity consolidates the user'"'"'s current debt to meet the user'"'"'s objective, and wherein the second-level output is presented to the user upon the user initiating an icon included in the first-level output;electrically receiving a request from the user terminal for information corresponding to a selected one of the potential financing products that benefit the user; electrically providing the information to the user terminal; and electrically receiving a request from the user terminal to initiate an application for the selected financing product. - View Dependent Claims (63)
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64. A method for allowing a user of a terminal to receive optimized information regarding a selected topic based on a multi-level output of opportunities, the method comprising:
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electrically receiving input data from the user terminal, the input data comprising a user objective and a current usage profile, wherein user objective is received from the user and comprises a designation for;
(1) modifying an interest rate, (2) modifying a monthly payment, or (3) obtaining credit, loan or other financing, and the credit profile comprises at least one particular of any number of financial products currently held by the user;electrically querying a knowledge base regarding the input data; electrically retrieving operational data from the knowledge base; electrically determining optimized information based on the results of applying at least one predetermined decision rule to the operational data, the user objective and current usage profile, wherein the optimized information comprises at least one financial product that meets the user objective; electrically determining if the optimized information benefits the user in comparison to the financial products held by the user, wherein the benefit comprises a savings to the user of at least a predetermined amount of money or other value; electrically generating at least one multi-level output comprising a comparison of at least part of the current usage profile with the determined optimized information; and electrically providing the multi-level output to the terminal, wherein the multi-level output is selectable by the user and comprises;
(1) a first level output interface comprising at least one comparison area, wherein each of the at least one comparison area comprises a current product portion providing particulars on a current user financial product, and a proposed product portion providing particulars on at least one determined credit financing opportunity that meets the user'"'"'s objective, and (2) a second-level output interface comprising at least one proposed consolidation opportunity that meets the user'"'"'s objective, wherein the at least one consolidation opportunity consolidates the user'"'"'s current debt to meet the user'"'"'s objective, and wherein the second-level output is presented to the user upon the user initiating an icon included in the first-level output. - View Dependent Claims (65, 66, 67, 68)
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69. A method for allowing a user of a user terminal to receive credit financing opportunities based on a multi-level output of opportunities, the method comprising:
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presenting a user with a plurality of objectives, wherein the plurality of objectives comprises at least a lowering an interest rate selection and a lowering a monthly payment selection; electrically receiving credit data from the user terminal, the credit data including a user objective selection and a credit profile, wherein the user objective selection comprises the lowering an interest rate selection or the lowering a monthly payment selection and the credit profile comprises at least one interest rate or monthly payment associated with at least one financial products held by the user; electrically comparing the at least one interest rate or monthly payment associated with the at least one financial products held by the user with at least one financing opportunity; electrically determining at least one financing opportunity that meet the user objective, said determination being based on at least one predetermined decision rule; electrically determining if the at least one financing opportunity benefits the user in comparison to the financial products held by the user, wherein the benefit comprises a savings to the user of at least a predetermined amount of money or other value; electrically generating at least one multi-level output, wherein the multi-level output comprising a comparison of at least part of the credit profile with the at least one determined credit financing opportunity that benefits the user, the comparison demonstrating that the at least one financing opportunity that meet the user objective has a lower interest rate or lower monthly payment than the at least one financial products held by the user; and electrically providing the multi-level output to the user terminal, wherein the multi-level output is selectable by the user and comprises;
(1) a first level output interface comprising at least one comparison area, wherein each of the at least one comparison area comprises a current product portion providing particulars on a current user financial product, and a proposed product portion providing particulars on the at least one determined credit financing opportunity that meets the user'"'"'s objective, and (2) a second-level output interface comprising at least one proposed consolidation opportunity that meets the user'"'"'s objective, wherein the at least one consolidation opportunity consolidates the user'"'"'s current debt to meet the user'"'"'s objective, and wherein the second-level output is presented to the user upon the user initiating an icon included in the first-level output.
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Specification