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Systems and methods for improved financial calculators

  • US 8,484,109 B1
  • Filed: 09/27/2007
  • Issued: 07/09/2013
  • Est. Priority Date: 09/27/2007
  • Status: Active Grant
First Claim
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1. A college education financial planning system, comprising:

  • a memory;

    a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to;

    configure a common data store comprising;

    personalized information associated with a plurality of users and accessible to a plurality of financial calculators provided by a financial institution selectable by a user, further comprising individualized cost data associated with a plurality of college level institutions;

    present, to the user, a web page that includes links to at least one of auto, home, life and financial planning services web pages, wherein the web pages have the plurality of financial calculators that each access the common data store;

    receive a request from said user via said financial planning services web page selecting a college savings calculator from the plurality of financial calculators that each access the common data store for their financial calculations;

    identify at least one input data element required by said college savings calculator, wherein said at least one input data element comprises at least one of said college level institutions;

    search said data store for previously stored individualized college education cost data associated with said user and related to said at least one identified input data element;

    populate the at least one identified input data element in the college savings calculator with the searched previously stored individualized college education cost data associated with said user and said at least one of said college level institutions, wherein the individualized cost data is previously estimated by the college savings calculator based on user entered personal information and institution-based cost information; and

    send the requested financial planning services web page with the at least one identified populated input data element and said previously stored individualized college education cost data to the user.

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