When clients engage with merchants for large transactions, the merchant typically requires a credit check, which is executed by one or more credit bureaus. These credit bureaus collect financial information of individual consumers and create credit scores that indicate consumer creditworthiness—the risk-reward potential of financing a purchase made by the consumer. These credit scores comprise a three-digit number, typically between 300 and 850, which impact the size of a loan the consumer qualifies for and/or the interest rates available to that consumer.
The disclosure herein is illustrated by way of example, and not by way of limitation, in the figures of the accompanying drawings in which like reference numerals refer to similar elements, and in which:
According to various examples, a computing system can communicate with client devices to generate a personalized plan of action for the client to maintain or improve the client's financial situation. The computing system can initially receive a set of financial records of the client, which can include account balances, debts, and general assets and liabilities. The computing system may also receive income information for the client, such as wages, salary information, rent payments, etc. In certain aspects, the computing system can also receive information indicating the client's payments, such as monthly rent and bill payments, spending information, and the like. Based on this collective financial information of the client, the computing system can generate an optimal action plan for the client, which can place the client on a path to achieving a set of financial goals, such as paying down debt, creating an emergency fund, investing, following a budget, saving up for a down payment on a home, building credit, etc.
In certain examples, the plan of action can flag certain aspects of the client's personal situation, such as whether the client has adequate savings to weather an emergency, whether the client owns a home, whether the client has one or more liabilities with a relatively high interest rate (e.g., an auto loan), whether the user has significant unsecured credit debt, and/or whether the client could qualify for a personal loan based on a risk score for the client. In various examples, the plan of action can comprise unique set of steps based on a prioritization scheme specific to the client. As such, the system can receive client data and financial updates of the client to generate an individualized action plan for the client. In doing so, the system can link to data sources to detect changes in real-time to each client's financial situation, such as purchase information, received income, and payments. In response to each change, the computing system can update the action plan to facilitate the client in achieving milestones toward a set of overall goals.
In various examples, the computing system can create an engagement loop for the client to facilitate with continuous and/or repeated engagement with the client's personalized action plan. In one aspect, the engagement loop can provide a messaging or communication application to communicate with a human or computerized advisor, analyze current financial information, weigh each aspect of the client's assets and liabilities, and recommend a personalized and sequential set of supplementary actions based on the current situation of the client. In doing so, the computing system can factor in discrete elements of the client's balance sheet (e.g., the client's mortgage information) and direct the client to a relevant resource to aid with that discrete element or related elements (e.g., a HELOC provider to eliminate credit card debt of the client).
In further examples, the computing system can provide a financial health score to each client based on the client's personal financial situation and/or progress using the individualized action plan. The financial health score can comprise a proprietary composite of the personal information provided to the computing system. Based on the changing financial situation of the client and/or the client's progress in following the individualized action plan, the computing system can generate a continuously updated financial health score for the client. According to examples, the computing system can receive the financial data from the client's computing device dynamically and can execute the prioritization and planning models on the dynamic financial information in real time to update the personalized action plan and the financial health score for the client.
It is contemplated that the computing system can eliminate the need for currently existing credit bureaus, which generate credit reports and credit scores for individuals. Currently, these credit bureaus use the accumulated financial information of individuals to generate their credit reports and scores, which the bureaus sell to institutions (e.g., bank) that use those reports and scores to inform lending decisions. In doing so, the credit bureaus compile highly personal information of the individuals that is not owned by these individuals. Instead, the highly personal financial data that these individuals generate (e.g., via cash flow in and out of accounts, debt repayment decisions, and other factors) are inputted into computational models that are currently owned by these credit bureaus.
According to examples provided herein, the computing system can provide ownership of the clients' financial health scores to those individual clients. Specifically, the personal financial information of each client can be stored, via an executing application, on the client's computing device (e.g., in local memory). Using the application, the client's computing device can capture banking information, cash flow information (in/out of accounts), purchase history, debt repayment details, and the like. Thus, the information currently used by credit bureaus to generate credit reports and score can be controlled by the client and made accessible by the client to entities with which the client decides to engage (e.g., make purchases, take out loans, etc.). It is contemplated that this democratization of clients' own personal financial information will have the effect of removing the credit bureaus from financial contracts by facilitating direct contact between individual clients and institutions that enter into exchanges with the clients (e.g., for goods and services, financial products, loans, etc.).
Examples described herein achieve a technical effect of implementing real-time, automated financial planning and advising services for clients using dynamic financial data received through network communications with the computing device of the client and/or financial entities associated with the client. The computing system can update an individualized action plan for the client based on the dynamic data, and continuously update a financial health score, which can be utilized for direct client-merchant credit checks.
As used herein, a computing device refers to devices corresponding to desktop computers, cellular devices or smartphones, personal digital assistants (PDAs), laptop computers, tablet devices, virtual reality (VR) and/or augmented reality (AR) devices, wearable computing devices, television (IP Television), etc., that can provide network connectivity and processing resources for communicating with the system over a network. A computing device can also correspond to custom hardware, in-vehicle devices, or on-board computers, etc. The computing device can also operate a designated application configured to communicate with the network service.
One or more examples described herein provide that methods, techniques, and actions performed by a computing device are performed programmatically, or as a computer-implemented method. Programmatically, as used herein, means through the use of code, computer-executable instructions, algorithms, and/or computer models developed through software coding. These instructions can be stored in one or more memory resources of the computing device. A programmatically performed step may or may not be automatic.
One or more examples described herein can be implemented using programmatic modules, engines, or components. A programmatic module, engine, or component can include a program, a sub-routine, a portion of a program, or a software component or a hardware component capable of performing one or more stated tasks or functions. As used herein, a module or component can exist on a hardware component independently of other modules or components. Alternatively, a module or component can be a shared element or process of other modules, programs or machines.
Some examples described herein can generally require the use of computing devices, including processing and memory resources. For example, one or more examples described herein may be implemented, in whole or in part, on computing devices such as servers, desktop computers, cellular or smartphones, personal digital assistants (e.g., PDAs), laptop computers, virtual reality (VR) or augmented reality (AR) computers, network equipment (e.g., routers) and tablet devices. Memory, processing, and network resources may all be used in connection with the establishment, use, or performance of any example described herein (including with the performance of any method or with the implementation of any system).
Furthermore, one or more examples described herein may be implemented through the use of instructions that are executable by one or more processors. These instructions may be carried on a non-transitory computer-readable medium. Machines shown or described with figures below provide examples of processing resources and computer-readable mediums on which instructions for implementing examples disclosed herein can be carried and/or executed. In particular, the numerous machines shown with examples of the disclosure include processors and various forms of memory for holding data and instructions.
Examples of non-transitory computer-readable mediums include permanent memory storage devices, such as hard drives on personal computers or servers. Other examples of computer storage mediums include portable storage units, such as CD or DVD units, flash memory (such as those carried on smartphones, multifunctional devices or tablets), and magnetic memory. Computers, terminals, network enabled devices (e.g., mobile devices, such as cell phones) are all examples of machines and devices that utilize processors, memory, and instructions stored on computer-readable mediums. Additionally, examples may be implemented in the form of computer-programs, or a computer usable carrier medium capable of carrying such a program.
System Description
According to examples described herein, the computing system 100 includes an action planning engine 135 that can initially provide a customized and detailed financial action plan for each client 190 based on a global view of that client's 190 current financial situation. The initial individualized action plan can be generated by the action planning engine 135 based on the financial records of the client 190, which the planning engine 135 can access or receive from the client's device 185, or any accounts from financial entities associated with the client 190. In one example, the client device 185 can execute an application that enables the computing system 100 to link with the various accounts associated with the client 190, such that the action planning engine 135 can create and store a client profile 146 for the client 190.
In various examples, the client profile 146 can comprise identifying information of the client, such as a name, address, contact information, as well as continuously updated financial information, such as current balances of the client's accounts, current assets and liabilities, monthly expenditures, and the like. For example, the financial records of the client 190 can comprise any personal property (e.g., jewelry, gold, memorabilia, vehicles, art assets, etc.), debt obligations (e.g., personal loans or debts to individuals, monthly financed service payments, mortgage payments, etc.), personal income (e.g., wages, received rents, and other income sources), rent and utility payments, monthly bills, and the like. Such information is used by the action planning engine 135 to generate the customized financial action plan for the client 190.
Specifically, the action planning engine 135 can receive the financial records, described herein, of the client 190 to generate an individualized financial action plan for the client 190 to follow when steadying, improving upon, or maintaining financial health (e.g., repaying debt, managing payments, building credit, saving, budgeting, etc.). As described below, the individualized action plan can be accessed by the client 190 via an executing financial service application provided by the computing system 100. In certain implementations, the client 190 can input a set of personal goals, such as purchasing a home or paying off debt, which the action planning engine 135 can utilize to construct the customized action plan for the client 190. Accordingly, based on the current financial records of the client 190, the action planning engine 135 can generate an optimal budget, debt payment strategy, debt refinancing strategy,
In various examples, the action planning engine 135 provides a granular financial action plan for the client 190 that can be updated dynamically as financial updates of the client 190 are received. In doing so, the action planning engine 135 can execute optimization logic using the client's financial records and updates to dynamically generate a real-time individualized action plan for the client 190. As described in further detail below, the individualized action plan can facilitate the client 190 in generating an optimal budget based on the financial information of the client 190, facilitate in managing and/or paying down debt, assist the client 190 with monthly spending, improving the client's credit, aid the client in savings, and the like. Furthermore, the action planning engine 135 can update the individualized action plan based on update triggers that indicate any changes in the client's 190 finances, such as receiving wages, making purchases, making debt payments, making rental payments, and the like. For example, the action planning engine 135 can receive an update trigger indicating that the client 190 has received a paycheck. In response, the action planning engine 135 can perform a lookup of a client profile of 146 of the client 190, which can indicate a current action plan specific to the client 190.
Based on the update trigger indicating the change to the client's 190 financial situation, the action planning engine 135 can update the individualized action plan for the client 190, flag or provide a warning for any potential upcoming problems (e.g., an inability to make a payment in full, closing in on or exceeding a budget threshold, missing a savings target, etc.), and show progress updates for each of any number of financial goals. In certain aspects, the individualized action plan can indicate periodic goals (e.g., monthly goals) for savings, payments, spending or budgeting, and the like. As each goal get closer to being achieved, a progress indicator can provide the client 190 with an incentive to achieve each periodic goal detailed by the individualized action plan.
In various implementations, the action planning engine 135 can also generate overall goals for the client 190 based on the client's own personal goals, such as purchasing a home, eliminating debt, and/or building credit. Additionally or alternatively, the optimization logic executed by the action planning engine 135 can process the financial records and updates of the client 190 to determine a set of financial health prioritizations for the client 190 that may be generalized to all clients 190. For example, the prioritizations can comprise a sequence or balance of priorities for the clients 190, which can be generally composed of making necessary payments (e.g., bills, rents, mortgage payments, etc.), paying down debt (e.g., highest interest to lowest interest or highest balance to lowest balance, otherwise known as “avalanching” debt or “snowballing” debt respectively), building an emergency fund, creating a diversified investment portfolio, saving for a home down payment, saving for a child's education, and the like. Each overall milestone in the prioritizations can be directly connected to or associated with the periodic goals, such that achievements of the periodic goals have an add-on effect of contributing to the overall milestones and goals for the client 190.
In further implementations, the computing system 100 can include a scoring engine 125 that executing financial scoring logic to generate a financial health score for the client 190. The financial scoring logic can receive, as input, current financial data pertaining to the client 190 (e.g., as stored in the client's profile 146 in the database 140), the current individualized action plan of the client 190, and any recent updates in the client's 190 profile 146 that indicates recent financial changes described above. In various examples, the scoring engine 125 can be triggered each instance an update is detected in the client's 190 financial situation, and can include such granular aspects as making a goods purchase, receiving a paycheck, making a debt payment, paying off a debt account, and the like.
In certain examples, the scoring engine 125 can operate in real-time as updates are received or continuously by monitoring the client's 146 profile 146 for updates (e.g., as inputted by the action planning engine 135). Thus, when a credit trigger is received from the client 190 or a transaction entity 180 with which the client 190 engages in a transaction, the scoring engine 125 can provide a current, real-time financial health score of the client 190. This real-time financial health scoring is distinct from current implementations of credit bureaus, which only periodically update the credit score of an individual when one of a limited number of triggers—such as a late payment, a credit check, exceeding a credit spending threshold, closing a credit card, a third-party complaint being received, paying off a loan, applying for a new loan, etc. —are detected.
The scoring engine 125 can output a three-digit score, similar to credit bureaus, but one that is updated dynamically. In variations, the scoring engine 125 can output the financial health score as a percentage between one and one hundred. In further variations, the financial health score can be color coded and/or can include a shape that fills or fades in as the score improves. Regardless of the design in which the score is outputted, the scoring engine 125 can be triggered to provide the financial health score to transaction entities 180 and/or client devices 185 on-demand.
In particular, when the client 190 transacts with a financial entity 180, either via the network 150 or in person, the transaction entity 180 may require a financial health check or credit check prior to completing a transaction. Such transactions may include the purchase of a vehicle, a home, or any goods or services. Such transactions may also involve an application for a loan to purchase such goods and/or services, or an application to receive and use a credit card with a specified credit limit that is to be based on the client's 190 financial health score. Thus, similar to the credit scores provided by the credit bureaus, the financial health score provided by the scoring engine 125 can determine credit worthiness, financial risk of the client 190, credit or loan limits, and/or interest rates available to the client 190.
As an example, if the client 190 wishes to purchase a vehicle that is offered for sale by a specified transaction entity 180 (e.g., auto dealership), the transaction entity 180 may transmit a financial health request over the network 150 to the computing system 100. In various examples, the financial health request can indicate a client identifier of the client 190. Additionally or alternatively, the scoring engine 125 may require an authentication from the client 190. Thus, upon receiving the financial health trigger from the transaction entity 180, the scoring engine 125 can immediately transmit an authentication request to the computing device 185 of the client 190. In certain examples, the authentication request can comprise a single input confirmation that enables the client 190 to provide or decline a client authorization to release the current financial health score of the client 190. In still further examples, the client 190 and the transaction entity 180 may separately and near simultaneously provide the financial health request and the client authorization to the scoring engine 125, which can output the current financial score of the client 190 thereafter.
Thus, the scoring engine 125 upon receiving the financial health request and client authorization, can output the financial health score of the client 190 in real-time since the financial health score is dynamically updated and readily available. In the example provided, upon receiving the financial health score of the client 190, the transaction entity 180 can determine whether the client 190 qualifies for a loan for the vehicle, an annual percentage rate for the loan, the terms of the loan, etc.
As provided herein, the dynamically updated and individualized action plan and financial health score for each client 190 provides a technical solution to current problems that exist in the field of personal finance. It is contemplated that a number of these problems are practical in nature. However, the current lack of a dynamically updated financial action plan and individually tailored to each client 190, as well as a dynamically updated financial health score, exemplifies the technical problem currently observed in the field of financial management and credit services. Specifically, while several savings, budgeting, and investing tools are available for individuals in the field of personal financial management, the technical field current lacks a dynamically updated, virtual, and personalized financial assistance tool for clients 190 seeking to improve, manage, and/or sustain their personal financial health. Furthermore, credit bureaus, which derive their revenues from the collection and sale of private credit information of individuals, may be bypassed such that the client 190 controls his/her own proprietary financial information through the trusted service implemented by the computing system 100.
In other words, it is contemplated that the combination of (i) a dynamically updated, individualized action plan for achieving periodic and overall financial milestones and goals, and (ii) a dynamically updated financial health score provided through real-time network links with the clients' computing devices 185 and/or transaction entities 180 integrate the manual gathering of financial data, the development of financial plans, and the determination of credit scores into a practical application. The automation of financial action planning and health scoring and their dynamically updated nature have only been made possible through improvements in network communications and computing technology (e.g., smartphone and application-based technical improvements). Accordingly, the current lack of such tools in the field of personal financial advising, planning, and management itself comprises a technical problem to which the present disclosure provides a technical solution.
Client Computing Device
In response to a user input 218 selecting the service application 232, the application 232 can be executed by one or more processors 230, which can cause a user interface 242 to be generated on a display screen 220 of the computing device 200. Furthermore, the executing application can enable the computing device 200 to communicate with the computing system 240 over one or more networks 245. As provided herein, the computing system 240 shown in
The user interface 242 of the service application 232 can enable the client 190 to sign up for and engage with the financial service implemented by the computing system 100, 240. For example, a client 190 can launch the application 232 to generate an interactive user interface 242 on the display screen 205, which the client 190 can interact with to view a personalized balance sheet, a dynamically updated, individualized action plan, and a real-time financial health score, as described herein.
As further described herein, execution of the service application 232 can cause the computing device 200 to transmit financial updates to the computing system 240. In variations, the client 190 can input personal information (e.g., a username and password) for each linked account that is to be tracked by the computing system 240 for updating the personal balance sheet and individualized action plan for the client 190. For example, the links can provide the computing system 240 access to various accounts of the client 190 in order to receive financial updates of the client 190 in real time. Thereafter, the computing system 240 can link to the financial accounts of the client 190 directly. The individualized action plan and financial health score can be presented on the interactive user interface 242 as a customized tool for the client 190 in improving or sustaining a personal financial condition (e.g., like a virtualized personal financial assistant) and engaging in transactions.
In some aspects, the interactive user interface 242 can provide the client 190 with a gamified approach to sustaining or improving personal financial health. As such, the individualized action plan can provide milestones and overall goals with progress indicators for each milestone and goal. It is contemplated that such an approach—being performed in real-time for the client 190—provides crucial incentives and personal motivation for typical users that are currently lacking in the technical field of personal financial management. Such gamified incentives are currently provided through physical health monitoring applications that measure health aspects of users, such as blood pressure, pulse rate, activity (e.g., distance traveled, steps taken, etc.), sleep quality, etc. to provide users contextual information regarding their personal health on a day-to-day basis. These physical health applications also provide progress or milestone indicators (e.g., color-coded scores or achievement bars and rings) that have been observed to effectively improve upon certain users' current health and activity habits. It is contemplated that the gamified financial health monitoring and progress indication methods described herein can have similar beneficial effects for certain clients 190 (e.g., those struggling with debt or wishing to save more).
Example Individualized Action Plan
Referring to
In further examples, the individualized action plan 350 can provide notifications and progress reports in accordance with the financial updates of the client 190. In the example shown in
Furthermore, the computing system 100 may further determine, as a background operation, that the client 190 will require a financial health score of 95% to access the lowest mortgage rates when the time comes to purchase a home. Accordingly, the action plan 350 generated by the computing system 100 can also generate a financial health score milestone (e.g., as determined by the scoring engine 125 of
Additional features of the individualized action plan 350 are also contemplated. For example, if the client 190 owns a home and is struggling to pay down high interest debt (e.g., credit card debt), the optimization logic executed by the action planning engine 135 described in
Methodology
In various aspects, the computing system 100 access the individualized access plan 350 of the client (410), and using the current action plan and financial updates, the computing system 100 can execute optimization logic to generate an updated action plan 350 for the client 190 (415). Thereafter, the computing system 100 can receive update triggers from the client's 190 computing device 185 and in response, transmit content data to present the updated individualized action plan 350 on the client device 185 (420), as described herein.
In further variations, the transaction request can be received from the transaction entity 180 and may require client authorization prior to releasing. Thus, the computing system 100 may prompt a rapid authentication process in which the request is receive, a single-input authentication request is transmitted to the client device 185, and a confirmation is received from the client 190. Upon receiving the request and/or confirmation from the client 190, the computing system 100 can transmit the financial health score of the client 190 to the transaction entity 180 (435).
Hardware Diagram
In one implementation, the computer system 500 includes processing resources 510, a main memory 520, a read-only memory (ROM) 530, a storage device 540, and a communication interface 550. The computer system 500 includes at least one processor 510 for processing information stored in the main memory 520, such as provided by a random-access memory (RAM) or other dynamic storage device, for storing information and instructions which are executable by the processor 510. The main memory 520 also may be used for storing temporary variables or other intermediate information during execution of instructions to be executed by the processor 510. The computer system 500 may also include the ROM 530 or other static storage device for storing static information and instructions for the processor 510. A storage device 540, such as a magnetic disk or optical disk, is provided for storing information and instructions.
The communication interface 550 enables the computer system 500 to communicate over one or more networks 580 (e.g., cellular or Wi-Fi network) through use of the network link (wireless or wired). Using the network link, the computer system 500 can communicate with one or more computing devices, one or more servers, and/or client transaction terminals. The executable instructions in the memory 520 can include optimization instructions 522, which the computer system 500 can execute to generate and update an individualized action plan 554 for a client 190, as described herein. In doing so, the computing system 500 can receive financial updates 586 of the client 190 dynamically and update the action plan 554 accordingly.
The executable instructions stored in memory 520 can also include financial health scoring instructions 524, which the computer system 500 can execute to generate and dynamically update a financial health score 552 for a client 190, as further provided herein. Furthermore, execution of the scoring instructions 524 can cause the computer system 500 to receive financial health score requests 584, perform the authentication techniques described herein, and transmit the financial health scores 552 accordingly.
The processor 510 is configured with software and/or other logic to perform one or more processes, steps and other functions described with implementations, such as described with respect to
It is contemplated for examples described herein to extend to individual elements and concepts described herein, independently of other concepts, ideas or systems, as well as for examples to include combinations of elements recited anywhere in this application. Although examples are described in detail herein with reference to the accompanying drawings, it is to be understood that the concepts are not limited to those precise examples. As such, many modifications and variations will be apparent to practitioners skilled in this art. Accordingly, it is intended that the scope of the concepts be defined by the following claims and their equivalents. Furthermore, it is contemplated that a particular feature described either individually or as part of an example can be combined with other individually described features, or parts of other examples, even if the other features and examples make no mention of the particular feature. Thus, the absence of describing combinations should not preclude claiming rights to such combinations.
This application claims benefit of priority to Provisional U.S. Patent Application No. 63/184,057, filed May 4, 2021; and to Provisional U.S. Patent Application No. 63/184,068, filed May 4, 2021; both of the aforementioned priority applications being hereby incorporated by reference in their respective entireties.
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