SYSTEM FOR ASSESSING RETIREMENT SCORE IMPACT BASED ON LINKED USERS
First Claim
1. A system for retirement planning to determine the impact of one or more secondary users on a primary user'"'"'s retirement, the system comprising:
- at least one memory device;
at least one communication device connected to a distributed network;
at least one processing device operatively coupled to the at least one memory device; and
a module stored in the at least one memory device comprising executable instructions that when executed by the at least one processing device, cause the at least one processing device to;
receive retirement information of the primary user, wherein the retirement information comprises a primary user profile;
store into a structured database connected to the distributed network, the retirement information of the primary user;
calculate a retirement score based on the primary user profile, wherein the retirement score is an estimate of the primary user'"'"'s preparedness for retirement at a predetermined future date;
analyze the primary user profile to determine one or more relationships of the primary user with the one or more secondary users;
determine which of the one or more secondary users affect the calculated retirement score, wherein determining further comprises;
determining one or more user profiles associated with each of the one or more secondary users;
analyzing the one or more user profiles to determine if the one or more secondary users presently affect the calculated retirement score and/or to identify one or more life events likely to occur at a predetermined date in the one or more secondary users'"'"' future to determine which of the one or more life events affect the primary user'"'"'s retirement score; and
linking the one or more user profiles associated with the one or more secondary users to the primary user profile based on at least determining that one or more secondary users and/or the one or more life events likely to occur at the predetermined date in the one or more secondary users'"'"' future affect the primary user'"'"'s retirement score;
determine an impact retirement score for the primary user based on at least determining that the one or more secondary users and/or the one or more life events likely to occur at the predetermined date in the one or more secondary users'"'"' future affect the primary user'"'"'s retirement score;
determine the impact of the one or more secondary users on the primary user'"'"'s preparedness for retirement, wherein determining further comprises comparing the impact retirement score with a threshold value;
identify one or more options for the primary user to improve the impact retirement score, based on at least determining that the impact retirement score is lesser than the threshold value, wherein identifying the one or more options further comprises determining benefits available to the primary user if the one or more options were implemented; and
transmit control signals configured to cause a user device associated with the primary user to receive the one or more options and the determined benefits available, wherein transmitting control signals further comprises enabling the primary user to activate the one or more options through a retirement planning interface of the user device.
1 Assignment
0 Petitions
Accused Products
Abstract
Embodiments of the present invention relate to apparatuses, systems, methods and computer program products for determining impact retirement scores and identifying solutions to aid a user in retirement planning. In one embodiment, a system comprises at least one processing device configured to receive retirement information of a primary user, calculate a retirement score based on a primary user profile, determine relationships of the primary user and hence determine a plurality of secondary users. Further, the at least one processing device is configured to generate user profiles for the secondary users and analyze the user profiles to determine if the secondary users affect the primary user'"'"'s retirement score. The system then determines the impact retirement score for the primary user, wherein the impact retirement score is an estimate of the primary user'"'"'s preparedness for the impact of the secondary users on the primary user'"'"'s retirement.
15 Citations
20 Claims
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1. A system for retirement planning to determine the impact of one or more secondary users on a primary user'"'"'s retirement, the system comprising:
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at least one memory device; at least one communication device connected to a distributed network; at least one processing device operatively coupled to the at least one memory device; and a module stored in the at least one memory device comprising executable instructions that when executed by the at least one processing device, cause the at least one processing device to; receive retirement information of the primary user, wherein the retirement information comprises a primary user profile; store into a structured database connected to the distributed network, the retirement information of the primary user; calculate a retirement score based on the primary user profile, wherein the retirement score is an estimate of the primary user'"'"'s preparedness for retirement at a predetermined future date; analyze the primary user profile to determine one or more relationships of the primary user with the one or more secondary users; determine which of the one or more secondary users affect the calculated retirement score, wherein determining further comprises; determining one or more user profiles associated with each of the one or more secondary users; analyzing the one or more user profiles to determine if the one or more secondary users presently affect the calculated retirement score and/or to identify one or more life events likely to occur at a predetermined date in the one or more secondary users'"'"' future to determine which of the one or more life events affect the primary user'"'"'s retirement score; and linking the one or more user profiles associated with the one or more secondary users to the primary user profile based on at least determining that one or more secondary users and/or the one or more life events likely to occur at the predetermined date in the one or more secondary users'"'"' future affect the primary user'"'"'s retirement score; determine an impact retirement score for the primary user based on at least determining that the one or more secondary users and/or the one or more life events likely to occur at the predetermined date in the one or more secondary users'"'"' future affect the primary user'"'"'s retirement score; determine the impact of the one or more secondary users on the primary user'"'"'s preparedness for retirement, wherein determining further comprises comparing the impact retirement score with a threshold value; identify one or more options for the primary user to improve the impact retirement score, based on at least determining that the impact retirement score is lesser than the threshold value, wherein identifying the one or more options further comprises determining benefits available to the primary user if the one or more options were implemented; and transmit control signals configured to cause a user device associated with the primary user to receive the one or more options and the determined benefits available, wherein transmitting control signals further comprises enabling the primary user to activate the one or more options through a retirement planning interface of the user device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer program product for retirement planning to determine the impact of one or more secondary users on a primary user'"'"'s retirement, comprising a non-transitory computer-readable storage medium having computer-executable instructions to:
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receive retirement information of the primary user, wherein the retirement information comprises a primary user profile; store into a structured database connected to the distributed network, the retirement information of the primary user; calculate a retirement score based on the primary user profile, wherein the retirement score is an estimate of the primary user'"'"'s preparedness for retirement at a predetermined future date; analyze the primary user profile to determine one or more relationships of the primary user with the one or more secondary users; determine which of the one or more secondary users affect the calculated retirement score, wherein determining further comprises; determining one or more user profiles associated with each of the one or more secondary users; analyzing the one or more user profiles to determine if the one or more secondary users presently affect the calculated retirement score and/or to identify one or more life events likely to occur at a predetermined date in the one or more secondary users'"'"' future to determine which of the one or more life events affect the primary user'"'"'s retirement score; and linking the one or more user profiles associated with the one or more secondary users to the primary user profile based on at least determining that one or more secondary users and/or the one or more life events likely to occur at the predetermined date in the one or more secondary users'"'"' future affect the primary user'"'"'s retirement score; determine an impact retirement score for the primary user based on at least determining that the one or more secondary users and/or the one or more life events likely to occur at the predetermined date in the one or more secondary users'"'"' future affect the primary user'"'"'s retirement score; determine the impact of the one or more secondary users on the primary user'"'"'s preparedness for retirement, wherein determining further comprises comparing the impact retirement score with a threshold value; identify one or more options for the primary user to improve the impact retirement score, based on at least determining that the impact retirement score is lesser than the threshold value, wherein identifying the one or more options further comprises determining benefits available to the primary user if the one or more options were implemented; and transmit control signals configured to cause a user device associated with the primary user to receive the one or more options and the determined benefits available, wherein transmitting control signals further comprises enabling the primary user to activate the one or more options through a retirement planning interface of the user device. - View Dependent Claims (11, 12, 13, 14, 15)
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16. A method for retirement planning to determine the impact of one or more secondary users on a primary user'"'"'s retirement, comprising:
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receiving, using a computing device processor, retirement information of the primary user, wherein the retirement information comprises a primary user profile; storing into a structured database connected to the distributed network, using the computing device processor, the retirement information of the primary user; calculating, using the computing device processor, a retirement score based on the primary user profile, wherein the retirement score is an estimate of the primary user'"'"'s preparedness for retirement at a predetermined future date; analyzing, using the computing device processor, the primary user profile to determine one or more relationships of the primary user with the one or more secondary users; determining, using the computing device processor, which of the one or more secondary users affect the calculated retirement score, wherein determining further comprises; determining one or more user profiles associated with each of the one or more secondary users; analyzing the one or more user profiles to determine if the one or more secondary users presently affect the calculated retirement score and/or to identify one or more life events likely to occur at a predetermined date in the one or more secondary users'"'"' future to determine which of the one or more life events affect the primary user'"'"'s retirement score; and linking the one or more user profiles associated with the one or more secondary users to the primary user profile based on at least determining that one or more secondary users and/or the one or more life events likely to occur at the predetermined date in the one or more secondary users'"'"' future affect the primary user'"'"'s retirement score; determining, using the computing device processor, an impact retirement score for the primary user based on at least determining that the one or more secondary users and/or the one or more life events likely to occur at the predetermined date in the one or more secondary users'"'"' future affect the primary user'"'"'s retirement score; determining, using the computing device processor, the impact of the one or more secondary users on the primary user'"'"'s preparedness for retirement, wherein determining further comprises comparing the impact retirement score with a threshold value; identifying, using the computing device processor, one or more options for the primary user to improve the impact retirement score, based on at least determining that the impact retirement score is lesser than the threshold value, wherein identifying the one or more options further comprises determining benefits available to the primary user if the one or more options were implemented; and transmitting, using the computing device processor, control signals configured to cause a user device associated with the primary user to receive the one or more options and the determined benefits available, wherein transmitting control signals further comprises enabling the primary user to activate the one or more options through a retirement planning interface of the user device. - View Dependent Claims (17, 18, 19, 20)
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Specification