Rule-based automatic distribution method and system

Abstract

A method for facilitating rule-based automated asset allocation is disclosed. The method includes loading, via a graphical user interface, a client based on corresponding customer information; generating a rule corresponding to the client, wherein the rule is related to an asset allocation rule; retrieving asset combination information corresponding to the client via the application programming interface; determining a distribution action based on the generated rules and asset combination information; and automatically initiating the dispensing action in real time.

Description

[0001] CROSS-REFERENCE TO RELATED APPLICATIONS

[0002] This application claims the benefit of U.S. Provisional Patent Application Serial No. 63 / 365,383, filed on May 26, 2022, the entire contents of which are incorporated herein by reference. Technical Field

[0003] The present technology generally relates to methods and systems for asset allocation, and more particularly to methods and systems for facilitating automated asset allocation in real time through the use of rule-based programming. Background Art

[0004] Many business entities rely on complex rules, such as asset allocation rules, to meet business and regulatory objectives. Often, complex rules are implemented as complex orchestrations of actions, such as asset transfers and offset transactions. Historically, conventional implementations of rule management techniques have had varying degrees of success in meeting business and regulatory objectives in an efficient and timely manner.

[0005] One disadvantage of using conventional rule management techniques is that, in many cases, complex rules are processed individually based on fluctuating variables (e.g., changing market conditions). As a result, the daily and weekly decisions required to maintain business and regulatory objectives require a significant investment of time and resources. In addition, due to the complex nature of the rules, the choreographed actions cannot be automatically processed in real time.

[0006] Therefore, there is a need to facilitate real-time automation of complex rules by using rule-based programming. Summary of the invention

[0007] Through one or more of the various aspects, embodiments and / or specific features or subcomponents of the present disclosure, the present disclosure provides, among other things, various systems, servers, devices, methods, media, programs and platforms for facilitating automated asset allocation in real time by using rule-based programming.

[0008] According to one aspect of the present disclosure, a method for facilitating rule-based automated asset allocation is disclosed. The method is implemented by at least one processor. The method may include: loading at least one client based on corresponding client information via a graphical user interface; generating at least one rule corresponding to the at least one client, the at least one rule may be related to an asset allocation rule; retrieving asset portfolio information corresponding to the at least one client via an application programming interface; determining at least one allocation action based on the at least one rule and the asset portfolio information; and automatically initiating the at least one allocation action in real time.

[0009] According to an exemplary embodiment, in order to generate the at least one rule, the method may also include: identifying at least one predetermined criterion from the corresponding customer information; generating the at least one rule based on the at least one predetermined criterion, the at least one rule may include software code for implementing the at least one predetermined criterion; and initiating at least one test action for the generated at least one rule, the at least one test action may include a user acceptance test action.

[0010] According to an exemplary embodiment, the at least one predetermined criterion may include a daily net target allocation criterion related to maintaining a target balance for the asset portfolio and a daily end-of-day round trip criterion related to offsetting transactions for the asset portfolio.

[0011] According to an exemplary embodiment, the method may also include: automatically generating at least one log for each of at least one allocation action initiated, the at least one log may include information related to the at least one client, the at least one rule, the asset portfolio information and the at least one allocation action; associating the at least one log with the corresponding at least one client; and saving the at least one log together with the association in a repository.

[0012] According to an exemplary embodiment, the method may also include: automatically generating a notification in real time for each of at least one allocation action initiated, the notification may include information related to the at least one rule, the asset portfolio information and the at least one allocation action; and sending the notification to the corresponding at least one client.

[0013] According to an exemplary embodiment, the method may also include: automatically determining at least one error condition in which at least one allocation action was not successfully initiated; generating an alarm for each of the at least one error condition, the alarm including information related to the at least one allocation action and the at least one error condition; and sending the alarm to at least one responsible party.

[0014] According to an exemplary embodiment, the method may further include: automatically determining at least one resolution action for each of the at least one error condition based on at least one predetermined resolution guideline; and automatically initiating the at least one resolution action to resolve the corresponding at least one error condition.

[0015] According to an exemplary embodiment, the method may also include: automatically determining a severity level of each of the at least one error condition according to a predetermined severity guideline; ranking the at least one error condition based on the severity level; and automatically initiating the at least one resolution action based on a result of the ranking, wherein the severity level may be automatically determined by using information related to the at least one allocation action and the at least one error condition.

[0016] According to an exemplary embodiment, the at least one allocation action may include an equalization and offsetting action scheduled at a predetermined time, which may include a future time at which the at least one allocation action is automatically initiated.

[0017] According to aspects of the present disclosure, a computing device is disclosed, which is configured to implement the execution of a method for facilitating rule-based automated asset allocation. The computing device includes: a processor; a memory; and a communication interface coupled to each of the processor and the memory, wherein the processor can be configured to: load at least one client based on corresponding client information via a graphical user interface; generate at least one rule corresponding to the at least one client, the at least one rule can be related to an asset allocation rule; retrieve asset portfolio information corresponding to the at least one client via an application programming interface; determine at least one allocation action based on the at least one rule and the asset portfolio information; and automatically initiate the at least one allocation action in real time.

[0018] According to an exemplary embodiment, for generating the at least one rule, the processor may be further configured to: identify at least one predetermined criterion from the corresponding customer information; generate the at least one rule based on the at least one predetermined criterion, and the at least one rule may include software code for implementing the at least one predetermined criterion; and initiate at least one test action for the generated at least one rule, and the at least one test action may include a user acceptance test action.

[0019] According to an exemplary embodiment, the at least one predetermined criterion may include a daily net target allocation criterion related to maintaining a target balance for the asset portfolio and a daily end-of-day round trip criterion related to offsetting transactions for the asset portfolio.

[0020] According to an exemplary embodiment, the processor may be further configured to: automatically generate at least one log for each of at least one allocation action initiated, and the at least one log may include information related to the at least one client, the at least one rule, the asset portfolio information and the at least one allocation action; associate the at least one log with the corresponding at least one client; and save the at least one log together with the association in a repository.

[0021] According to an exemplary embodiment, the processor may be further configured to: automatically generate a notification in real time for each of at least one allocation action initiated, wherein the notification may include information related to the at least one rule, the asset portfolio information and the at least one allocation action; and send the notification to the corresponding at least one client.

[0022] According to an exemplary embodiment, the processor may be further configured to: automatically determine at least one error condition when the at least one allocation action is not successfully initiated; generate an alarm for each of the at least one error condition, the alarm may include information related to the at least one allocation action and the at least one error condition; and send the alarm to at least one responsible party.

[0023] According to an exemplary embodiment, the processor may be further configured to: automatically determine at least one resolution action for each of the at least one error condition based on at least one predetermined resolution guideline; and automatically initiate the at least one resolution action to resolve the corresponding at least one error condition.

[0024] According to an exemplary embodiment, the processor may be further configured to: automatically determine a severity level of each of the at least one error condition according to a predetermined severity guideline; rank the at least one error condition based on the severity level; and automatically initiate the at least one resolution action based on a result of the ranking, wherein the severity level may be automatically determined by using information related to the at least one allocation action and the at least one error condition.

[0025] According to an exemplary embodiment, the at least one allocation action may include an equalization and offsetting action scheduled at a predetermined time, the predetermined time including a future time at which the at least one allocation action is automatically initiated.

[0026] According to aspects of the present disclosure, a non-transitory computer-readable storage medium is disclosed, storing instructions for facilitating rule-based automated asset allocation. The storage medium may include executable code, which, when executed by a processor, causes the processor to: load at least one client based on corresponding client information via a graphical user interface; generate at least one rule corresponding to the at least one client, the at least one rule may be related to an asset allocation rule; retrieve asset portfolio information corresponding to the at least one client via an application programming interface; determine at least one allocation action based on the at least one rule and the asset portfolio information; and automatically initiate the at least one allocation action in real time.

[0027] According to an exemplary embodiment, in order to generate at least one rule, the executable code, when executed by the processor, also causes the processor to: identify at least one predetermined criterion from the corresponding customer information; generate the at least one rule based on the at least one predetermined criterion, and the at least one rule may include software code for implementing the at least one predetermined criterion; and initiate at least one test action for the generated at least one rule, and the at least one test action may include a user acceptance test action. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] The present disclosure is further described, by way of non-limiting examples of preferred embodiments of the present disclosure, in the following detailed description with reference to the several accompanying drawings wherein like reference numerals represent like elements throughout the several views thereof.

[0029] Figure 1 An exemplary computer system is shown.

[0030] Figure 2 An example diagram of a network environment is shown.

[0031] Figure 3 An exemplary system is shown for implementing a method for facilitating automated asset allocation in real time through the use of rules-based programming.

[0032] Figure 4 is a flow chart of an exemplary process for implementing a method for facilitating automated asset allocation in real time through the use of rules-based programming.

[0033] Figure 5 is a flow chart of an exemplary rules authorization process for implementing a method for facilitating automated asset allocation in real time through the use of rules-based programming.

[0034] Figure 6 is a flow chart of an exemplary daily net allocation process for implementing a method for facilitating automated asset allocation in real time through the use of rules-based programming.

[0035] Figure 7 is a flow chart of an exemplary daily end of day round-trip process for implementing a method for facilitating automated asset allocation in real time through the use of rules-based programming. DETAILED DESCRIPTION

[0036] Through one or more of the various aspects of the present disclosure, embodiments of the present disclosure and / or specific features or subassemblies are intended to provide one or more advantages as particularly described above and pointed out below.

[0037] Examples may also be implemented as one or more non-transitory computer-readable media having stored thereon instructions for one or more aspects of the present technology as described and illustrated by the examples herein. In some examples, the instructions include executable code that, when executed by one or more processors, causes the processors to perform the steps required to implement the methods of the examples of the present technology described and illustrated herein.

[0038] Figure 1 1 is an exemplary system for use in accordance with embodiments described herein. System 100 is generally shown and may include computer system 102 (indicated generally).

[0039] The computer system 102 may include an instruction set that can be executed to cause the computer system 102 to perform any one or more of the methods or computer-based functions disclosed herein, either alone or in combination with other described devices. The computer system 102 may operate as a standalone device or may be connected to other systems or peripherals. For example, the computer system 102 may include or be included in any one or more computers, servers, systems, communication networks, or cloud environments. Further, the instructions may operate in such a cloud-based computing environment.

[0040] In a networked deployment, the computer system 102 can operate in the function of a server or as a client user computer in a server-client user network environment, a client user computer in a cloud computing environment, or as a peer computer system in a peer (or distributed) network environment. The computer system 102 or parts thereof can be implemented as or incorporated into various devices, such as a personal computer, a virtual desktop computer, a tablet computer, a set-top box, a personal digital assistant, a mobile device, a palmtop computer, a laptop computer, a desktop computer, a communication device, a wireless smart phone, a personal trusted device, a wearable device, a global positioning satellite (GPS) device, a network device, or any other machine capable of (sequentially or otherwise) executing an instruction set specifying an action to be taken by the machine. In addition, although a single computer system 102 is shown, additional embodiments may include any collection of systems or subsystems that execute instructions or perform functions individually or jointly. The term "system" should be considered throughout the present disclosure to include any collection of systems or subsystems that execute one or more instruction sets to perform one or more computer functions individually or jointly.

[0041] like Figure 1As shown, the computer system 102 may include at least one processor 104. The processor 104 is tangible and non-transitory. As used herein, the term "non-transitory" is not interpreted as a permanent characteristic of a state, but rather as a characteristic of a state that will last for a period of time. The term "non-transitory" specifically denies transient characteristics, such as characteristics of a specific carrier or signal or other forms that exist only temporarily at any time and at any location. The processor 104 is an article and / or machine component. The processor 104 is configured to execute software instructions in order to perform the functions described in various embodiments herein. The processor 104 may be a general-purpose processor or may be part of an application-specific integrated circuit (ASIC). The processor 104 may also be a microprocessor, a microcomputer, a processor chip, a controller, a microcontroller, a digital signal processor (DSP), a state machine, or a programmable logic device. The processor 104 may also be a logic circuit, including a programmable gate array (PGA), such as a field programmable gate array (FPGA); or other types of circuits including discrete gates and / or transistor logic. The processor 104 may be a central processing unit (CPU), a graphics processing unit (GPU), or both. Additionally, any processor described herein may include multiple processors, parallel processors, or both. Multiple processors may be included in or coupled to a single device or multiple devices.

[0042] The computer system 102 may also include a computer memory 106. The computer memory 106 may include static memory, dynamic memory, or both in communication. The memory described herein is a tangible storage medium that can store data and executable instructions, and is non-transitory during the period when the instructions are stored therein. Again, as used herein, the term "non-transitory" is not interpreted as a permanent characteristic of a state, but rather as a characteristic of a state that will last for a period of time. The term "non-transitory" specifically denies transient characteristics, such as characteristics of a specific carrier or signal or other forms that exist only temporarily at any time and at any location. The memory is an article of manufacture and / or a machine component. The memory described herein is a computer-readable medium from which a computer can read and extract data and executable instructions. The memory described herein may be a random access memory (RAM), a read-only memory (ROM), a flash memory, an electrically programmable read-only memory (EPROM), an electrically erasable programmable read-only memory (EEPROM), a register, a hard disk, a cache, a removable disk, a tape, a compact disk read-only memory (CD-ROM), a digital versatile disk (DVD), a floppy disk, a Blu-ray disk, or any other form of storage medium known in the art. The memory may be volatile or non-volatile, secure and / or encrypted, unsecure and / or unencrypted.Of course, the computer memory 106 may include any combination of multiple memories or a single storage device.

[0043] Computer system 102 may also include a display 108, such as a liquid crystal display (LCD), an organic light emitting diode (OLED), a flat panel display, a solid state display, a cathode ray tube (CRT), a plasma display, or any other type of display, examples of which are known to those skilled in the art.

[0044] The computer system 102 may also include at least one input device 110, such as a keyboard, a touch-sensitive input screen or pad, voice input, a mouse, a remote control device with a wireless keypad, a microphone coupled to a voice recognition engine, a camera such as a video camera or a still camera, a cursor control device, a global positioning system (GPS) device, an altimeter, a gyroscope, an accelerometer, a proximity sensor, or any combination thereof. It is understood by those skilled in the art that various embodiments of the computer system 102 may include multiple input devices 110. In addition, it is also understood by those skilled in the art that the exemplary input devices 110 listed above are not meant to be exhaustive, and the computer system 102 may include any additional or alternative input devices 110.

[0045] The computer system 102 may also include a media reader 112 configured to read any one or more sets of instructions, such as software, from any memory described herein. The instructions, when executed by the processor, may be used to perform one or more of the methods and processes described herein. In certain embodiments, the instructions may reside completely or at least partially within the memory 106, the media reader 112, and / or the processor 110 during execution by the computer system 102.

[0046] Furthermore, the computer system 102 may include any additional devices, components, parts, peripherals, hardware, software, or any combination thereof that are generally known and understood to be included in or within a computer system, such as, but not limited to, a network interface 114 and an output device 116. The output device 116 may be, but is not limited to, a speaker, an audio output, a video output, a remote control output, a printer, or any combination thereof.

[0047] Each component of computer system 102 may be interconnected and communicate via bus 118 or other communication links. Figure 1 As shown, the components can each be interconnected and communicate via an internal bus. However, those skilled in the art will appreciate that any component can also be connected via an expansion bus. In addition, the bus 118 can communicate via any standard or other specification known and understood, such as, but not limited to, Peripheral Component Interconnect, Peripheral Component Interconnect High Speed, Parallel Advanced Technology Attachment, Serial Advanced Technology Attachment, etc.

[0048] The computer system 102 may communicate with one or more additional computer devices 120 via a network 122. The network 122 may be, but is not limited to, a local area network, a wide area network, the Internet, a telephone network, a short-range network, or any other network known and understood in the art. Short-range networks may include, for example, Bluetooth, Zigbee, infrared, near field communication, ultra-wideband, or any combination thereof. Those skilled in the art will appreciate that additional networks 122 known and understood may be used in addition or in lieu thereof, and that the exemplary network 122 is not limiting or exhaustive. Furthermore, although the network 122 is Figure 1 Although shown as a wireless network in the figure, those skilled in the art understand that the network 122 may also be a wired network.

[0049] Additional computer equipment 120 in Figure 1 102 is shown as a personal computer. However, those skilled in the art understand that in alternative embodiments of the present application, the computer device 120 may be a laptop computer, a tablet PC, a personal digital assistant, a mobile device, a palmtop computer, a desktop computer, a communication device, a wireless phone, a personal trusted device, a network device, a server, or any other device capable of sequentially or otherwise executing a set of instructions specifying an action to be taken by the device. Of course, those skilled in the art understand that the devices listed above are merely exemplary devices, and the device 120 may be any additional device or apparatus known and understood in the art without departing from the scope of the present application. For example, the computer device 120 may be the same or similar to the computer system 102. In addition, those skilled in the art similarly understand that the device may be any combination of devices and apparatuses.

[0050] Of course, those skilled in the art understand that the above-listed components of computer system 102 are merely exemplary, not exhaustive and / or inclusive. In addition, the examples of components listed above are also intended to be exemplary, and similarly are not intended to be exhaustive and / or inclusive.

[0051] According to various embodiments of the present disclosure, the methods described herein can be implemented using a hardware computer system that executes a software program. In addition, in an exemplary non-limiting embodiment, implementations may include distributed processing, component / object distributed processing, and parallel processing. Virtual computer system processing can be configured to implement one or more of the methods or functions described herein, and the processors described herein can be used to support a virtual processing environment.

[0052] As described herein, various embodiments provide optimization methods and systems for facilitating automated asset allocation in real time through the use of rule-based programming.

[0053] refer to Figure 2, shows a schematic diagram of an exemplary network environment 200 for implementing a method for facilitating automated asset allocation in real time by using rule-based programming. In an exemplary embodiment, the method can be executed on any networked computer platform, such as a personal computer (PC).

[0054] A method for facilitating automated asset allocation in real time by using rule-based programming may be implemented by a rule-based asset management (RBAM) device 202. The RBAM device 202 may be associated with a Figure 1 The RBAM device 202 may be the same or similar to the computer system 102 described above. The RBAM device 202 may store one or more applications, which may include executable instructions that, when executed by the RBAM device 202, cause the RBAM device 202 to perform actions, such as, for example, sending, receiving, or otherwise processing network messages, and perform other actions described and illustrated below with reference to the accompanying drawings. The applications may be implemented as modules or components of other applications. In addition, the applications may be implemented as operating system extensions, modules, plug-ins, etc.

[0055] Further, the application may operate in a cloud-based computing environment. The application may be executed in or as a virtual machine or virtual server that can be managed in a cloud-based computing environment. In addition, the application, and even the RBAM device 202 itself, may be located in a virtual server running in a cloud-based computing environment, rather than being bound to one or more specific physical network computing devices. In addition, the application may run in one or more virtual machines (VMs) executed on the RBAM device 202. In addition, in one or more embodiments of the present technology, the virtual machines running on the RBAM device 202 may be managed or supervised by a hypervisor.

[0056] exist Figure 2 In a network environment 200, an RBAM device 202 is coupled to a plurality of server devices 204(1)-204(n) hosting a plurality of databases 206(1)-206(n) via a communication network 210, and is also coupled to a plurality of client devices 208(1)-208(n). The communication interface (such as Figure 1 The network interface 114 of the computer system 102 is operably coupled to and communicates between the RBAM device 202, the server devices 204(1)-204(n) and / or the client devices 208(1)-208(n), all of which are coupled together via the communication network 210, although other types and / or numbers of communication networks or systems having other types and / or numbers of connections and / or configurations to other devices and / or elements may also be used.

[0057] The communication network 210 can be connected to Figure 1 The network 122 described is the same or similar, however the RBAM device 202, server devices 204(1)-204(n), and / or client devices 208(1)-208(n) may be coupled together via other topologies. In addition, the network environment 200 may include other network devices, such as one or more routers and / or switches, which are well known in the art and therefore will not be described herein. The present technology provides numerous advantages, including methods, non-transitory computer-readable media, and RBAM devices that effectively implement a method for facilitating automated asset allocation in real time by using rule-based programming.

[0058] By way of example only, the communication network 210 may include a local area network (LAN) or a wide area network (WAN), and may use TCP / IP and industry standard protocols over Ethernet, although other types and / or numbers of protocols and / or communication networks may be used. The communication network 210 in this example may employ any suitable interface mechanism and network communication technology, including, for example, any suitable form of telecommunication service (e.g., voice, modem, etc.), a public switched telephone network (PSTN), an Ethernet-based packet data network (PDN), combinations thereof, and the like.

[0059] RBAM device 202 may be a standalone device or integrated with one or more other devices or apparatuses (e.g., such as one or more of server devices 204(1)-204(n)). In one particular example, RBAM device 202 may include or be hosted by one of server devices 204(1)-204(n), and other arrangements are possible. In addition, for example, one or more of RBAM device 202 may be in the same or different communication networks including one or more public networks, private networks, or cloud networks.

[0060] The plurality of server devices 204(1)-204(n) may be associated with Figure 1 The computer system 102 or computer device 120 described herein may be the same or similar, including any features or combinations of features described therewith. For example, any of the server devices 204(1)-204(n) may include, among other features, one or more processors, memory, and communication interfaces coupled together via a bus or other communication link, although other numbers and / or types of network devices may be used. In this example, the server devices 204(1)-204(n) may process requests received from the RBAM device 202 via the communication network 210 according to, for example, HTTP and / or JavaScript Object Notation (JSON) based protocols, although other protocols may also be used.

[0061] The server devices 204(1)-204(n) may be hardware or software, or may represent a system having multiple servers in a pool, which may include an internal or external network. The server devices 204(1)-204(n) host databases 206(1)-206(n) configured to store data related to customer information, allocation rules, asset portfolio information, allocation actions, predetermined criteria, logs, and notifications.

[0062] Although server devices 204(1)-204(n) are illustrated as a single device, one or more actions of each of server devices 204(1)-204(n) may be distributed across one or more different network computing devices that collectively comprise one or more of server devices 204(1)-204(n). Furthermore, server devices 204(1)-204(n) are not limited to a particular configuration. Thus, server devices 204(1)-204(n) may include multiple network computing devices that operate using a controller / agent approach, whereby one of the network computing devices of server devices 204(1)-204(n) operates to manage and / or otherwise coordinate the operations of the other network computing devices.

[0063] For example, server devices 204(1)-204(n) may operate as multiple network computing devices within a cluster architecture, a peer-to-peer architecture, a virtual machine, or a cloud architecture. Thus, the technology disclosed herein should not be construed as limited to a single environment, and other configurations and architectures are also contemplated.

[0064] Multiple client devices 208(1)-208(n) may also communicate with each other regarding Figure 1 The computer system 102 or computer device 120 described herein is the same or similar, including any features or combinations of features described therewith. For example, the client devices 208(1)-208(n) in this example may include any type of computing device that can interact with the RBAM device 202 via the communication network 210. Thus, the client devices 208(1)-208(n) may be mobile computing devices, desktop computing devices, laptop computing devices, tablet computing devices, virtual machines (including cloud-based computers), etc., for example, which host chat, email, or voice-to-text applications. In an exemplary embodiment, at least one client device 208 is a wireless mobile communication device, i.e., a smart phone.

[0065] The client devices 208(1)-208(n) may run an interface application, such as a standard web browser or a stand-alone client application, which may provide an interface to communicate with the RBAM device 202 via the communication network 210 to transmit user requests and information. Among other features, the client devices 208(1)-208(n) may include a display device (such as a display screen or a touch screen) and / or an input device (such as a keyboard).

[0066] Although an exemplary network environment 200 having an RBAM device 202, server devices 204(1)-204(n), client devices 208(1)-208(n), and a communication network 210 is described and illustrated herein, other types and / or numbers of systems, devices, components, and / or elements in other topologies may be used. It should be understood that the example systems described herein are for exemplary purposes, as many variations of the specific hardware and software used to implement the examples are possible, as will be appreciated by those skilled in the relevant art.

[0067] For example, one or more devices depicted in network environment 200, such as RBAM device 202, server devices 204(1)-204(n), or client devices 208(1)-208(n), may be configured to operate as virtual instances on the same physical machine. In other words, one or more of RBAM device 202, server devices 204(1)-204(n), or client devices 208(1)-208(n) may operate on the same physical device, rather than as separate devices communicating over communication network 210. Additionally, there may be more than one physical instance of a server device 204(1)-204(n), or client devices 208(1)-208(n). Figure 2 More or fewer RBAM devices 202, server devices 204(1)-204(n), or client devices 208(1)-208(n) are shown.

[0068] In addition, in any example, two or more computing systems or devices may replace any one of the systems or devices. Therefore, the principles and advantages of distributed processing, such as redundancy and replication, may also be implemented as needed to increase the robustness and performance of the devices and systems of the examples. The examples may also be implemented on a computer system that extends across any suitable network using any suitable interface mechanism and business technology, including telecommunication services in any suitable form (e.g., voice and modem) as examples only, wireless business networks, cellular business networks, packet data networks (PDNs), the Internet, intranets, and combinations thereof.

[0069] RBAM device 202 is described and Figure 3302, but it may include, for example, other rules, policies, modules, databases, or applications. As will be described below, the rule-based asset management module 302 is configured to implement a method for facilitating automated asset allocation in real time by using rule-based programming.

[0070] like Figure 3 As shown, a method for realizing the Figure 2 An exemplary process 300 of a mechanism for facilitating automated asset allocation in real time using rule-based programming in a network environment is provided. Specifically, a first client device 208(1) and a second client device 208(2) are shown as communicating with an RBAM device 202. In this regard, the first client device 208(1) and the second client device 208(2) may be "clients" of the RBAM device 202 and described as such herein. However, it should be known and understood that the first client device 208(1) and / or the second client device 208(2) need not necessarily be a "client" of the RBAM device 202, or any entity described in conjunction with the description herein. Any additional or alternative relationship may exist between either or both of the first client device 208(1) and the second client device 208(2) and the RBAM device 202, or no relationship may exist.

[0071] In addition, RBAM device 202 is shown as being able to access asset allocation rules repository 206(1) and customer information and portfolio information database 206(2). Rule-based asset management module 302 can be configured to access these databases to implement methods for facilitating automated asset allocation in real time through the use of rule-based programming.

[0072] The first client device 208(1) may be, for example, a smartphone. Of course, the first client device 208(1) may be any of the additional devices described herein. The second client device 208(2) may be, for example, a personal computer (PC). Of course, the second client device 208(2) may also be any of the additional devices described herein.

[0073] The processing may be performed via the communication network 210, which may include a plurality of networks as described above. For example, in an exemplary embodiment, either or both of the first client device 208(1) and the second client device 208(2) may communicate with the RBAM device 202 via broadband or cellular communications. Of course, these embodiments are merely exemplary and are not intended to be limiting or exhaustive.

[0074] Upon initiation, the rule-based asset management module 302 executes a process for facilitating automated asset allocation in real time by using rule-based programming. The exemplary process for facilitating automated asset allocation in real time by using rule-based programming is generally described in Figure 4 The flowchart is indicated at 400 in FIG.

[0075] exist Figure 4 In the process 400 of , at step S402, the client may be onboarded based on the corresponding customer information. The client may be onboarded via a graphical user interface. In an exemplary embodiment, the client may directly interact with the graphical user interface to provide the corresponding customer information. For example, the client may facilitate the onboarding process by directly interacting with the graphical user interface to input the corresponding customer information. In another exemplary embodiment, the client may indirectly interact with the graphical user interface to provide the corresponding customer information. For example, the client may provide the corresponding customer information in a form to a representative, who then interacts with the graphical user interface to facilitate the onboarding process.

[0076] In another exemplary embodiment, a graphical user interface may correspond to an interface that facilitates interaction between a user and a computing component. The graphical user interface may include graphical icons and audio indicators. In another exemplary embodiment, a graphical user interface may relate to a system for interactive visual components of computer software. The graphical user interface may display objects that convey information and represent actions that a user may take. For example, a client may interact with the displayed object to enter corresponding client information. In another exemplary embodiment, the displayed object may automatically change based on the client input. For example, input A by the client may cause information B and / or input field C to be displayed to the client.

[0077] In another exemplary embodiment, loading may involve a merge process that facilitates integration of the client system with the claimed invention. The client may need to provide necessary information (e.g., customer account information) and perform necessary actions (e.g., open a compatible account).

[0078] In another exemplary embodiment, to utilize features according to the present disclosure, a client may initiate the onboarding process by opening a clearing account and / or opening an account activated via a global model. The client may complete an authorization form and designate a responsible party associated with each client as a client administrator. The client may then proceed to onboard the relevant account to a payment network (e.g., a SWIFT payment network) by submitting an authorization form corresponding to the payment network. The client may also schedule routine daily balance reports at intervals such as twice per cut-off per day.

[0079] In another exemplary embodiment, as part of the onboarding process, the client may first determine a list of investments to be utilized as part of the optimization structure by completing an authorization form for each bank account included for allocation purposes. The client may provide key information via the authorization form. The key information may include target account balance information, investment account allocation information, notification contact list information, priority information, allocation percentage and / or allocation amount information, and round trip information.

[0080] The target account balance information may include the target account balance that must be determined in order to determine the required investment or redemption amount. The investment account allocation information may include client instructions on how assets are to be split when there are multiple investment accounts associated with the client account. The split may be provided based on a percentage or as a dollar value, depending on the predetermined account priority. The notification contact list information may include a list of collected contacts where email notifications may be sent when a transaction is made or when there is an error and required remediation.

[0081] Priority information may include a priority order for the funds to be invested. Assets may be invested first with the highest priority funds, and the lowest priority funds may be redeemed first for cascade allocations. For percentage-based allocations, all funds selected may have equal priority. Allocation percentage and / or allocation amount information may include an amount to be allocated to each selected position. For allocation amounts, all funds are invested in cascade order, i.e., the highest priority is invested until the condition is met, and then moved to the next priority. For allocation percentages, all funds may be invested based on percentage allocations. Round-trip information may include determining whether the transaction conducted will automatically create a forward-dated, round-trip transaction to pull the asset back into the customer account the next day.

[0082] In another exemplary embodiment, an asset may correspond to any resource owned or controlled by a client. An asset may correspond to tangible items (e.g., real estate holdings) and intangible items (e.g., stocks that provide economic value to a client). In another exemplary embodiment, an asset may correspond to a financial instrument that is a monetary contract between multiple parties. Financial instruments may include funding instruments and derivative instruments. Financial instruments may be divided according to asset classes, such as debt-based financial instruments and equity-based financial instruments.

[0083] In step S404, rules corresponding to the client may be generated. The rules may relate to asset allocation rules. According to the present disclosure, rules may be generated for each client. In an exemplary embodiment, generating the rules may include identifying predetermined criteria from the corresponding client information. The predetermined criteria may relate to an instruction set provided by the client in the corresponding client information. Then, the rules may be generated based on the predetermined criteria. The rules may include software code that implements the instruction set associated with the predetermined criteria. As part of the generation process, a test action may also be initiated for the generated rules. The test action may include a user acceptance test (UAT) action.

[0084] In another exemplary embodiment, the predetermined criteria may include a daily net target allocation criterion related to maintaining a target balance for the asset portfolio and a daily end of day round-trip criterion related to offsetting transactions for the asset portfolio. The predetermined criteria may relate to an operating model provided via a system as claimed in the present disclosure.

[0085] In another exemplary embodiment, for a daily net target allocation criterion, the client may specify a target account balance that should remain in the target account after each day. When the rule is run, the current account balance may be compared to the target account balance, and a transaction may be made in an amount equal to the difference between the two balances. For example, when the current account balance exceeds the target account balance, a purchase transaction may be automatically made in real time by the claimed invention. Conversely, when the current account balance is less than the target account balance, a redemption transaction may be automatically made in real time by the claimed invention. When the current account balance is the same as the target account balance, no transaction is required.

[0086] In another exemplary embodiment, the daily end-of-day round trip criteria may operate similarly to the daily net target allocation criteria with respect to a comparison of the target account balance to the current account balance and an initial transaction determination. For example, when the comparison between the target account balance and the current account balance results in a purchase transaction, an equal and offsetting redemption transaction may be made for the next available business day. The redemption transaction may be automatically executed at the first strike of the next day, and the proceeds may be deposited into the customer account. Conversely, no transactions are made for the day when the current account balance is below the target account balance.

[0087] In another exemplary embodiment, rules may be defined by the client to allocate funds based on percentage investment breaks or by priority. When allocations are defined by percentages, investments may be made across all positions and accounts based on the allocated percentages. When allocations are defined by nominal values, investments may be made in priority order until the allocation level has been reached. Redemptions may be made in reverse order of defined priorities, where applicable.

[0088] In another exemplary embodiment, the testing action may include internal UAT testing in the development environment. Once the internal UAT testing is sufficiently satisfied, the client may reengage to begin joint testing in the production environment with a small amount to verify that everything works as expected. In another exemplary embodiment, for post-load modifications, all rules may be tested after each release to ensure that there are no defects. When a defect is identified, the rule is not processed until the defect is fixed.

[0089] At step S406, asset portfolio information corresponding to the client may be retrieved. The asset portfolio information may be retrieved via an application programming interface. In an exemplary embodiment, the asset portfolio information may correspond to client account information according to the present disclosure. The asset portfolio information may include asset type information of a plurality of assets in the client portfolio, asset quantity information of each of the plurality of assets, and pending transaction information associated with each of the plurality of assets.

[0090] In another exemplary embodiment, portfolio information may be retrieved directly from the client system, as well as from a third party associated with the client. For example, client A's portfolio information may be retrieved from bank B, which is a banking institution associated with client A. In another exemplary embodiment, portfolio information may be retrieved based on a predetermined schedule. According to the present disclosure, the client may indicate the time of balance reporting during the loading process.

[0091] In step S408, an allocation action may be determined based on the rule and the asset portfolio information. According to the present disclosure, an allocation action may be determined based on each rule and the corresponding asset portfolio information. In an exemplary embodiment, the allocation action may correspond to an instruction to automatically initiate a transaction. According to the present disclosure, when the current account balance exceeds the target account balance, the allocation action may correspond to a purchase action. Similarly, when the current account balance is lower than the target account balance, the allocation action may correspond to a redemption action.

[0092] At step S410, the allocation action may be automatically initiated in real time. According to the present disclosure, the allocation action may be automatically initiated in any combination including asynchronous initiation and synchronous initiation. In an exemplary embodiment, the allocation action may be automatically initiated based on rules and customer information. The allocation action may be initiated in real time to facilitate at least one of a purchase action and a redemption action according to the present disclosure.

[0093] In another exemplary embodiment, a log of each initiated allocation action may be automatically generated. The log may include information related to the client, rules, portfolio information, and allocation actions. The generated log may then be associated with the corresponding client. The log may be stored in a repository along with the association. As will be appreciated by one of ordinary skill in the art, the log may serve as documentation of the automatically initiated allocation actions.

[0094] In another exemplary embodiment, a notification may be automatically generated for each allocation action initiated. The notification may include information related to the rule, portfolio information, and allocation action. The notification may then be sent to the corresponding client based on the information provided by the client during the onboarding process. For example, the client may provide during onboarding that a notification will be sent to a designated representative via email.

[0095] In another exemplary embodiment, three types of email notifications may be generated as part of normal day-to-day operations. Email notifications may include Funds Optimizer transaction notifications, rule error notifications, and standard transaction notifications. For Funds Optimizer transaction notifications, clients may receive transaction notification emails that provide details about all transactions that will be conducted based on the rules. Funds Optimizer transaction notifications may be sent to a client distribution list included in the authorization form.

[0096] When a transaction is not processed properly, or when the process generating the transaction fails, a regular error notification email can be sent to a group of individuals to report the problem at the typical time of transaction processing. Regular error notifications can be sent externally to the client service coverage team through the use of client distribution lists as well as internally. For standard transaction notifications, transaction notifications can be created normally to provide the status of the transaction after it has been processed. Standard transaction notifications can be generated based on predetermined user preferences.

[0097] In another exemplary embodiment, when the allocation action is not successfully initiated, an error condition can be automatically determined. Then, an alert for the error condition can be generated. The alert can include information related to the allocation action and the corresponding error condition. The alert can be sent to the corresponding client based on information provided by the client during the loading process. For example, the client can provide a notification during the loading period to be sent to a designated representative by email.

[0098] In another exemplary embodiment, the error condition may include a missing balance file error, an insufficient investment balance error, a technical failure error, a transaction failure at a transfer agent and / or a clearing agent error, and a transaction failure after a confirmation error. A missing balance file error may involve an inability to locate a balance file after a predetermined period of time. An insufficient investment balance error may be related to insufficient investment balance for redemption proceeds to bring the current account balance up to meet the target account balance, based on the best information available.

[0099] Technical failure errors may involve errors detected in any connected computing system. Transaction failures at a transfer agent and / or clearing agent errors may involve errors detected when a transaction is not properly delivered to a transfer agent or when a transaction is rejected by a transfer agent due to account related issues. Post-confirmation transaction failures may involve transaction failures after confirmation by a transfer agent.

[0100] In another exemplary embodiment, the determined error conditions may be automatically resolved based on predetermined guidelines. For example, when a transaction is rejected due to an error condition caused by a connection interface timeout, the claimed invention may automatically resolve the error condition by resubmitting the transaction. In another exemplary embodiment, the determined error conditions may be ranked based on predetermined severity levels. The error conditions may be automatically resolved based on predetermined severity levels. For example, minor errors associated with low severity levels may be automatically resolved, while major errors associated with high severity levels may require management intervention.

[0101] Figure 5 500 is a flow chart of an exemplary rule authorization process for implementing a method for facilitating automated asset allocation in real time using rule-based programming. Figure 5 In the example, the rule authorization process may correspond to the client loading process according to the present disclosure.

[0102] like Figure 5 As shown, the client can initiate the rule authorization process by completing the rule authorization form. The form can be validated to ensure that the information is provided correctly. Based on the results of the validation, the rule can be implemented in the development environment for user acceptance testing (UAT). When the rule successfully passes the UAT test, the rule can be tested in the production environment through the client system. When all necessary tests are met, the rule can be implemented for the client.

[0103] Figure 6 600 is a flow chart of an exemplary daily net allocation process for implementing a method for facilitating automatic asset allocation in real time using rule-based programming. Figure 6 In , the daily net allocation process allows clients to set rules to allocate balances to transactions at a specified time.

[0104] like Figure 6 As shown, the client can specify a target account balance that should remain in the target account after each day for the daily net target allocation process. When the rule is run, the current account balance can be compared to the target account balance, and a transaction can be made in an amount equal to the difference between the two balances. For example, when the current account balance exceeds the target account balance, a purchase transaction can be automatically made in real time by the claimed invention. Conversely, when the current account balance is lower than the target account balance, a redemption transaction can be automatically made in real time by the claimed invention. When the current account balance is the same as the target account balance, no transaction is required.

[0105] Figure 7 is a flow chart 700 of an exemplary end-of-day round trip process for implementing a method for facilitating automated asset allocation in real time using rule-based programming. Figure 7 In , end-of-day round trip processing allows clients to set rules to allocate balances to trades at specified times.

[0106] like Figure 7 As shown, the daily end-of-day round trip process can operate similar to the daily net target allocation process with respect to the comparison of the target account balance to the current account balance and the initial transaction determination. For example, when the comparison between the target account balance and the current account balance results in a purchase transaction, an equal and offsetting redemption transaction can be made for the next available business day. The redemption transaction can be automatically executed at the first downtime of the next day, and the resulting proceeds can be deposited into the customer account. Conversely, when the current account balance is below the target account balance, no transactions are made for the day.

[0107] Thus, utilizing this technology, an optimization process is disclosed for facilitating automated asset allocation in real time through the use of rule-based programming.

[0108] Although the present invention has been described with reference to several exemplary embodiments, it is to be understood that the words that have been used are words of description and illustration, rather than words of limitation. Changes may be made within the scope of the appended claims, as presently stated and amended, without departing from the scope and spirit of the various aspects of the present disclosure. Although the present invention has been described with reference to specific devices, materials, and embodiments, the present invention is not intended to be limited to the details disclosed; on the contrary, the present invention extends to all functionally equivalent structures, methods, and uses, such as are within the scope of the appended claims.

[0109] For example, although a computer-readable medium may be described as a single medium, the term "computer-readable medium" includes a single medium or multiple media (such as a centralized or distributed database) and / or associated caches and servers that store one or more instruction sets. The term "computer-readable medium" shall also include any medium that can store, encode, or carry an instruction set executed by a processor or cause a computer system to perform any one or more embodiments disclosed herein.

[0110] The computer-readable medium may include one or more non-transitory computer-readable media and / or include one or more transient computer-readable media. In a specific non-limiting exemplary embodiment, the computer-readable medium may include a solid-state memory, such as a memory card or other package that accommodates one or more non-volatile read-only memories. In addition, the computer-readable medium may be a random access memory or other volatile rewritable memory. In addition, the computer-readable medium may include magneto-optical or optical media, such as a disk or tape or other storage device, to capture carrier signals, such as signals transmitted through a transmission medium. Therefore, the present disclosure is considered to include any computer-readable medium or other equivalents and successor media in which data or instructions can be stored.

[0111] Although the present application describes a specific embodiment that can be implemented as a computer program or code segment in a computer-readable medium, it should be understood that dedicated hardware implementations such as application-specific integrated circuits, programmable logic arrays, and other hardware devices can be constructed to implement one or more embodiments described herein. The application that can include the various embodiments set forth herein can widely include various electronic and computer systems. Therefore, the present application can cover software, firmware, and hardware implementations or combinations thereof. Anything in this application should not be interpreted as being implemented or achievable using only software rather than hardware.

[0112] Although this specification describes components and functions that can be implemented in specific embodiments with reference to specific standards and protocols, the present disclosure is not limited to such standards and protocols. Such standards are periodically replaced by faster or more efficient equivalents having substantially the same functions. Therefore, replacement standards and protocols having the same or similar functions are considered to be their equivalents.

[0113] The illustrations of the embodiments described herein are intended to provide a general understanding of the various embodiments. The illustrations are not intended to be used as a complete description of all elements and features of the apparatus and system utilizing the structure or method described herein. Upon reading this disclosure, many other embodiments may be apparent to those skilled in the art. Other embodiments may be utilized and derived from this disclosure so that structural and logical replacements and changes may be made without departing from the scope of this disclosure. In addition, the illustrations are merely representative and may not be drawn to scale. Certain proportions in the illustrations may be exaggerated, while other proportions may be minimized. Therefore, this disclosure and the accompanying drawings should be considered illustrative rather than restrictive.

[0114] One or more embodiments of the present disclosure may be referred to herein individually and / or collectively by the term "invention", merely for convenience and not intended to actively limit the scope of the present application to any particular invention or inventive concept. In addition, although specific embodiments have been shown and described herein, it should be understood that any subsequent arrangements designed to achieve the same or similar purposes may replace the specific embodiments shown. The present disclosure is intended to cover any and all subsequent modifications or variations of the various embodiments. After reading the specification, the combination of the above-mentioned embodiments and other embodiments not specifically described herein will be apparent to those skilled in the art.

[0115] An abstract of the present disclosure is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. In addition, in the foregoing detailed description, various features may be grouped together or described in a single embodiment for the purpose of simplifying the present disclosure. The present disclosure should not be interpreted as reflecting the intention that the claimed embodiments require more features than those explicitly recited in each claim. On the contrary, as reflected in the appended claims, the inventive subject matter may involve less than all the features of any disclosed embodiment. Therefore, the appended claims are incorporated into the detailed description, wherein each claim independently serves as a definition of a separately claimed subject matter.

[0116] The above disclosed subject matter is to be considered illustrative and not restrictive, and the appended claims are intended to cover all such modifications, enhancements, and other embodiments that fall within the true spirit and scope of the present disclosure. Thus, to the maximum extent allowed by law, the scope of the present disclosure is to be determined by the broadest permissible interpretation of the appended claims and their equivalents, and shall not be restricted or limited by the foregoing detailed description.

Claims

1. A method for facilitating automated rule-based asset allocation, the method being implemented by at least one processor, the method comprising: loading, by the at least one processor via a graphical user interface, at least one client based on corresponding client information; generating, by the at least one processor, at least one rule corresponding to the at least one client, the at least one rule being related to an asset allocation rule; Retrieving, by the at least one processor via an application programming interface, asset portfolio information corresponding to the at least one client; determining, by the at least one processor, at least one allocation action based on the at least one rule and the asset portfolio information; as well as The at least one dispensing action is automatically initiated in real time by the at least one processor.

2. The method according to claim 1, wherein: Generating the at least one rule further comprises: identifying, by the at least one processor, at least one predetermined criterion from the corresponding customer information; generating, by the at least one processor, the at least one rule based on the at least one predetermined criterion, the at least one rule comprising software code for implementing the at least one predetermined criterion; and At least one test action is initiated by the at least one processor for the at least one generated rule, wherein the at least one test action comprises a user acceptance test action.

3. The method according to claim 2, wherein: The at least one predetermined criterion comprises: Daily net target allocation criteria related to maintaining a target balance in the portfolio; and Daily end-of-day round trip standards associated with transactions that offset the described portfolio.

4. The method according to claim 1, further comprising: automatically generating, by the at least one processor, at least one log for each of the at least one allocation action initiated, the at least one log comprising information related to the at least one client, the at least one rule, the portfolio information, and the at least one allocation action; Associating, by the at least one processor, the at least one log with the corresponding at least one client; as well as The at least one log is saved, by the at least one processor, in a repository along with the association.

5. The method according to claim 1, further comprising: Automatically generating, by the at least one processor, a notification for each of the at least one allocation action initiated in real time, the notification including information related to the at least one rule, the asset portfolio information, and the at least one allocation action; as well as The at least one processor sends the notification to the corresponding at least one client.

6. The method according to claim 1, further comprising: automatically determining, by the at least one processor, at least one error condition when the at least one dispensing action is not successfully initiated; generating, by the at least one processor, an alert for each of the at least one error condition, the alert comprising information related to the at least one dispensing action and the at least one error condition; as well as The alert is sent, by the at least one processor, to at least one responsible party.

7. The method according to claim 6, further comprising: automatically determining, by the at least one processor, at least one resolution action for each of the at least one error condition based on at least one predetermined resolution guideline; as well as The at least one resolution action is automatically initiated, by the at least one processor, to resolve the corresponding at least one error condition.

8. The method according to claim 7, further comprising: automatically determining, by the at least one processor, a severity level for each of the at least one error condition according to predetermined severity guidelines; ranking, by at least one processor, the at least one error condition based on the severity level; as well as automatically initiating, by the at least one processor, the at least one resolution action based on a result of the ranking, Wherein, the severity level is automatically determined by using information related to the at least one allocation action and the at least one error condition.

9. The method according to claim 1, wherein: The at least one allocation action comprises an equalization and offsetting action scheduled at a predetermined time, the predetermined time comprising a future time at which the at least one allocation action is automatically initiated.

10. A computing device configured to implement execution of a method for facilitating rule-based automated asset allocation, the computing device comprising: processor; Memory; as well as a communication interface coupled to each of the processor and the memory, Wherein, the processor is configured to: loading at least one client based on corresponding client information via a graphical user interface; generating at least one rule corresponding to the at least one client, the at least one rule being related to an asset allocation rule; retrieving, via the application programming interface, portfolio information corresponding to the at least one client; determining at least one allocation action based on the at least one rule and the portfolio information; and The at least one dispensing action is automatically initiated in real time.

11. The computing device of claim 10, wherein: For generating the at least one rule, the processor is further configured to: identifying at least one predetermined criterion from the corresponding customer information; generating the at least one rule based on the at least one predetermined criterion, the at least one rule comprising software code to implement the at least one predetermined criterion; as well as At least one test action is initiated for the at least one generated rule, the at least one test action comprising a user acceptance test action.

12. The computing device of claim 11, wherein: The at least one predetermined criterion comprises: Daily net target allocation criteria related to maintaining a target balance in the portfolio; and Daily end-of-day round trip standards associated with trades in offsetting portfolios.

13. The computing device of claim 10, wherein: The processor is further configured to: automatically generating at least one log for each of the at least one allocation action initiated, the at least one log comprising information related to the at least one client, the at least one rule, the portfolio information, and the at least one allocation action; Associating the at least one log with the corresponding at least one client; as well as The at least one log is saved in a repository together with the association.

14. The computing device of claim 10, wherein: The processor is further configured to: automatically generating, in real time, a notification for each of the at least one allocation action initiated, the notification including information related to the at least one rule, the portfolio information, and the at least one allocation action; and The notification is sent to the corresponding at least one client.

15. The computing device of claim 10, wherein: The processor is further configured to: automatically determining at least one error condition when the at least one dispensing action is not successfully initiated; generating an alert for each of the at least one error condition, the alert comprising information related to the at least one dispensing action and the at least one error condition; as well as The alert is sent to at least one responsible party.

16. The computing device of claim 15, wherein the processor is further configured to: automatically determining at least one resolution action for each of the at least one error condition based on at least one predetermined resolution guideline; and The at least one resolution action is automatically initiated to resolve the corresponding at least one error condition.

17. The computing device of claim 16, wherein the processor is further configured to: automatically determining a severity level for each of the at least one error condition according to predetermined severity guidelines; ranking the at least one error condition based on the severity level; as well as automatically initiating said at least one resolution action based on a result of said ranking, Wherein, the severity level is automatically determined by using information related to the at least one allocation action and the at least one error condition.

18. The computing device of claim 10, wherein: The at least one allocation action comprises an equalization and offsetting action scheduled at a predetermined time, the predetermined time comprising a future time at which the at least one allocation action is automatically initiated.

19. A non-transitory computer-readable storage medium storing instructions for facilitating automated rule-based asset allocation, the storage medium comprising executable code that, when executed by a processor, causes the processor to: loading at least one client based on corresponding client information via a graphical user interface; generating at least one rule corresponding to the at least one client, the at least one rule being related to an asset allocation rule; retrieving, via the application programming interface, asset portfolio information corresponding to the at least one client; determining at least one allocation action based on the at least one rule and the asset portfolio information; as well as The at least one dispensing action is automatically initiated in real time.

20. The storage medium according to claim 19, wherein: To generate at least one rule, the executable code, when executed by the processor, further causes the processor to: identifying at least one predetermined criterion from the corresponding customer information; generating the at least one rule based on the at least one predetermined criterion, the at least one rule comprising software code to implement the at least one predetermined criterion; as well as At least one test action is initiated for the at least one generated rule, the at least one test action comprising a user acceptance test action.

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