Net worth analysis tools
First Claim
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1. A computer-implemented analysis method comprising:
- receiving, with a computer processor controlled by a financial institution, data indicative of a user-initiated selection of a grouping of one or more asset objects and data indicative of a user-initiated selection of a grouping of one or more liability objects selected in association with multiple assets and liabilities;
wherein at least one of the assets in the grouping of assets includes a non-monetary asset;
wherein at least one of the assets in the grouping of assets includes an account that is owned by a user and held within the financial institution;
receiving a selection from a user to include an asset object in the grouping of asset objects;
wherein receiving the selection from the user includes a click-drag-drop manipulation for including the asset object;
wherein receiving the selection from the user includes a click-drag-drop manipulation for excluding the asset object;
generating, with the computer processor, a net worth calculation based on at least the user-initiated grouping of assets and the user-initiated grouping of liabilities;
displaying, with the computer processor, the net worth calculation;
displaying an illustration of a performance for a time period of at least one of the assets in the grouping of assets; and
displaying a benchmark index associated with the at least one of the assets in the grouping of assets for comparing the performance of the at least one of the assets to the benchmark index;
wherein the illustration of the performance of the at least one of the assets in the grouping of assets comprises a plurality of graphs, wherein the plurality of graphs comprises at least a first graph showing values of the at least one asset, a second graph showing the benchmark index associated with the at least one asset, and a third graph showing an allocation of the at least one asset; and
wherein at least the third graph is programmed to display at least one set of nested concentric rings, wherein each nested concentric ring is programmed to display information about the at least one asset, wherein at least a portion of the third graph is programmed to change appearance if the asset allocation deviates from a predetermined level;
wherein the click-drag-drop manipulation for including the asset object and the click-drag-drop manipulation for excluding the asset object, when used to include or exclude asset objects, causes calculations performed and visuals displayed by the net worth calculation, the illustration of the performance for the time period, and the benchmark index to be adjusted and revised.
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Abstract
Enhanced processes, methods, tools, strategies, and techniques are provided for more effectively and efficiently processing, managing, analyzing, and communicating wealth related data and other financial information within a computing environment. In various embodiments, the analysis tools provided herein have been designed to correspond visually with a mental model employed by many clients in managing their wealth.
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Citations
16 Claims
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1. A computer-implemented analysis method comprising:
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receiving, with a computer processor controlled by a financial institution, data indicative of a user-initiated selection of a grouping of one or more asset objects and data indicative of a user-initiated selection of a grouping of one or more liability objects selected in association with multiple assets and liabilities; wherein at least one of the assets in the grouping of assets includes a non-monetary asset; wherein at least one of the assets in the grouping of assets includes an account that is owned by a user and held within the financial institution; receiving a selection from a user to include an asset object in the grouping of asset objects; wherein receiving the selection from the user includes a click-drag-drop manipulation for including the asset object; wherein receiving the selection from the user includes a click-drag-drop manipulation for excluding the asset object; generating, with the computer processor, a net worth calculation based on at least the user-initiated grouping of assets and the user-initiated grouping of liabilities; displaying, with the computer processor, the net worth calculation; displaying an illustration of a performance for a time period of at least one of the assets in the grouping of assets; and displaying a benchmark index associated with the at least one of the assets in the grouping of assets for comparing the performance of the at least one of the assets to the benchmark index; wherein the illustration of the performance of the at least one of the assets in the grouping of assets comprises a plurality of graphs, wherein the plurality of graphs comprises at least a first graph showing values of the at least one asset, a second graph showing the benchmark index associated with the at least one asset, and a third graph showing an allocation of the at least one asset; and wherein at least the third graph is programmed to display at least one set of nested concentric rings, wherein each nested concentric ring is programmed to display information about the at least one asset, wherein at least a portion of the third graph is programmed to change appearance if the asset allocation deviates from a predetermined level; wherein the click-drag-drop manipulation for including the asset object and the click-drag-drop manipulation for excluding the asset object, when used to include or exclude asset objects, causes calculations performed and visuals displayed by the net worth calculation, the illustration of the performance for the time period, and the benchmark index to be adjusted and revised. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer system for calculating net worth, the system comprising:
a computer processor controlled by a financial institution that is programmed for; receiving data indicative of a user-initiated selection of a grouping of one or more asset objects and data indicative of a user-initiated selection of a grouping of one or more liability objects selected in association with multiple assets and liabilities; wherein at least one of the assets in the grouping of assets includes a non-monetary asset; wherein at least one of the assets in the grouping of assets includes an account that is owned by a user and held within the financial institution; receiving a selection from a user to include an asset object in the grouping of asset objects; wherein receiving the selection from the user includes a click-drag-drop manipulation for including the asset object; wherein receiving the selection from the user includes a click-drag-drop manipulation for excluding the asset object; generating a net worth calculation based on at least the user-initiated grouping of assets and the user-initiated grouping of liabilities; displaying the net worth calculation; displaying an illustration of a performance for a time period of at least one of the assets in the grouping of assets; and displaying a benchmark index associated with the at least one of the assets in the grouping of assets for comparing the performance of the at least one of the assets to the benchmark index; wherein the illustration of the performance of the at least one of the assets in the grouping of assets comprises a plurality of graphs, wherein the plurality of graphs comprises at least a first graph showing values of the at least one asset, a second graph showing the benchmark index associated with the at least one asset, and a third graph showing an allocation of the at least one asset; and wherein at least the third graph is programmed to display at least one set of nested concentric rings, wherein each nested concentric ring is programmed to display information about the at least one asset, wherein at least a portion of the third graph is programmed to change appearance if the asset allocation deviates from a predetermined level; wherein the click-drag-drop manipulation for including the asset object and the click-drag-drop manipulation for excluding the asset object, when used to include or exclude asset objects, causes calculations performed and visuals displayed by the net worth calculation, the illustration of the performance for the time period, and the benchmark index to be adjusted and revised. - View Dependent Claims (13, 14, 15, 16)
Specification