26 results about "Financial well being" patented technology

The system according to this embodiment aims to analyze an individual's income and expenditure data and provide appropriate advice based on their financial situation. [Solution] The system according to the embodiment comprises a collection unit, an analysis unit, a notification unit, a recommendation unit, and an advice unit. The collection unit collects income and expenditure data. The analysis unit analyzes the data collected by the collection unit. The notification unit notifies the user of the expected surplus or deficit based on the analysis results obtained by the analysis unit. The recommendation unit makes investment recommendations based on the analysis results obtained by the analysis unit. The advice unit makes tax deduction advice based on the analysis results obtained by the analysis unit.

Systems, methods, and computer program products are presented for receiving and evaluating financial data of a client, creating classes for the financial data, and generating financial planning recommendations and financial plans including calculations defining an allocation of funds between the classes to maintain or achieve the client's financial goals. The system includes a server and user devices, each having a processor and memory. The user devices communicate with the server over a network. The server and the user devices cooperate to calculate and provide visibility to a client's finances, permit simulation of performance when an attribute of the client's financial data is revised and to provide a measurement tool of performance and of client's decision-making process. The system employs graphical user interfaces that allow an interactive review and modification of a client's financial data during meetings between the client and one or more of their financial planning advisers.

The invention relates to the technical field of credit and loan, and particularly discloses a credit and loan risk assessment method and system based on multi-party data fusion. Historical credit records and network risk feature values (fusing social negative comments and e-commerce consumption stability) are extracted from static data, basic behavior risk feature values are generated, then financial risk sub-values and cash flow trend values are calculated based on dynamic data (capital flow changes are analyzed and predicted through time series), and the financial risk sub-values and the cash flow trend values are calculated. Finally, multi-dimensional features are fused to obtain a credit risk assessment value, through comparison with a preset threshold, standardization and dynamic of risk judgment are realized, especially, the assessment defects of "white users" and short-term credit recorders are made up, the recognition ability of hidden and sudden risks is improved, and the problem of data updating lagging can be solved. And the risk assessment problem caused by recent financial conditions and behavior changes of the applicant cannot be reflected.

We provide the system. [Solution] Using data collection methods, electronic transaction information and paper-based transaction information are acquired. Using a generative model to analyze that data, we classify the transaction information. A means of automatically creating financial records, A means of evaluating household finances based on those financial records and providing financial management advice, Means of providing budget management and advice to support purchasing decisions, A system that includes simulation tools for setting long-term goals and proposing plans to achieve those goals.

The system according to this embodiment aims to provide advice tailored to the user's financial literacy and support household and asset management. [Solution] The system according to the embodiment comprises a collection unit, a dialogue unit, an analysis unit, and a provision unit. The collection unit collects the user's household and asset data and a wide range of external information. The dialogue unit engages in dialogue tailored to the user's literacy level based on the information collected by the collection unit. The analysis unit proposes specific savings methods and investment plans, taking into account the user's financial situation and goals based on the information provided by the dialogue unit. The provision unit updates the advice based on the latest information, even if the user's income or expenses change, based on the information proposed by the analysis unit.

The application belongs to the technical field of data processing. An intelligent financial data anomaly auditing method and system are provided. After a first suspected anomaly database and a second suspected anomaly database are combined, a final anomaly database is obtained. For data that is not determined to be abnormal, financial related features are extracted to construct a feature vector, and a support vector machine model is used to calculate the probability of belonging to each type of anomaly. When the probability is greater than a set threshold, the corresponding data is added to the final anomaly database. According to the amount of abnormal data, the importance weight of the business, and the impact coefficient on the financial situation, the final anomaly severity evaluation result is determined. Through the automatic data collection, cleaning, standardization, and anomaly identification and analysis process, the time and workload of manual operation are greatly reduced, the financial data audit can be completed in a shorter time, and the efficiency of the audit work is improved.

We provide the system. [Solution] A means of analyzing input information using a generative artificial intelligence model and generating personalized financial advice for the user, A means of analyzing emotional information from users and deriving responses appropriate to their emotional state, A speech recognition means that processes voice input and converts it into text information, A speech synthesis means that provides the generated financial advice as an audio output, A means of analyzing users' spending information in real time and providing advice on reducing spending based on their individual financial situation, A system that includes this.

A system is provided.SOLUTION: A system comprising: means for receiving personal economic conditions and medical treatment information such as incomes, expenses, medical treatment contents, and medical treatment periods; means for analyzing the personal economic conditions and medical treatment information using a specific natural-language processing model and a generative AI model; means for proposing a subsidy or an insurance plan optimal for a person based on the analysis result; and means for sending the generated document to a predetermined institution and tracking a sending status.SELECTED DRAWING: Figure 1

Provide a system. 【Solution means】 Financial data connection means, Financial information connection means, Information classification means for classifying personal financial behavior information collected using the financial information connection means, Information processing means for storing and analyzing the information obtained by the information classification means, Proposal generation means for generating proposals for improving an individual's financial situation based on the analysis results of the information processing means, Information providing means for providing the proposals obtained by the proposal generation means to an individual, Visual display means for visually displaying an individual's income and expenditure information in real time, Investment proposal means for making specific investment proposals based on an individual's goals, A system including the above.

The invention discloses a financial statement processing method, system and device and a computer readable storage medium, particularly relates to the technical field of enterprise financial data processing, and is used for solving the problem that a generated financial statement cannot reflect a real financial condition at a unified time point due to asynchronous acquisition moments when data is acquired asynchronously from a plurality of independent data sources. The method comprises the following steps: acquiring financial data of each independent data source and a data acquisition timestamp thereof, pre-evaluating a potential influence range of state synchronization adjustment, identifying an associated financial data set with inconsistent states caused by time desynchrony, and analyzing a causal direction among data items in the set to determine an influence propagation range of state adjustment. State backtracking calculation is carried out on the data of the slave data source, and finally, the target financial statement corresponding to the reference time point is generated based on all the backtracked data, so that the inherent consistency and accuracy of the financial statement data in the time dimension are ensured.

To provide a planning AI household account book for the purpose of allocating a fund to an activity to which a user applies passion, and to provide optimum budget distribution and a fund plan in the course.SOLUTION: Means for inputting and transmitting hobbies and interests to a server; means for obtaining user data from a database; means for analyzing user data and updating prioritized information to the database; means for receiving, automatically categorizing, and updating user transaction information to the database; and means for obtaining revenue and expense information from the database; A system comprising: means for calculating and updating surplus funds to a database; means for calculating and updating budgets to a database based on user goals; means for simulating future allocation of funds; means for generating and transmitting simulation results to a server; means for generating and transmitting advice to a user based on user goals and financial conditions; and means for encrypting and storing data to a database.SELECTED DRAWING: Figure 1

The invention discloses an AI-based multi-modal financial question and answer system and method, and relates to the technical field of financial question and answer data processing, and the system comprises a multi-modal input analysis module, a question and answer analysis module, an emotion perception module, a question and answer dynamic evaluation module, and a financial dynamic decision module. The emotion change of the user can be perceived in real time by analyzing the voice emotion characteristics and the text emotion keyword density, the emotion of the user may reflect important information such as anxiety to financial conditions and satisfaction to answers in a financial question and answer scene, task urgency degree evaluation is dynamically performed on question and answer, and based on various dynamic evaluation indexes, the user experience is improved. An evaluation strategy is adjusted in real time according to user behaviors and questioning characteristics, requirements of different users are better adapted, financial decision analysis is performed based on a task evaluation index and an emotion early warning index in combination with user identity permission, and the urgency degree of tasks, user emotion and permission of the users in financial decision are considered, so that the user experience is improved. And limitation of single-factor decision making is avoided.

The application discloses a financial statement processing method, system and device and a computer readable storage medium, and particularly relates to the technical field of enterprise financial data processing, and is used for solving the problem that the generated financial statement cannot reflect the real financial situation of a unified time point when data is asynchronously collected from multiple independent data sources due to different collection time points; by acquiring the financial data and the data collection time stamp of each independent data source, the potential influence range of state synchronous adjustment is pre-evaluated, the associated financial data set which is inconsistent due to different time points is identified, the causal direction between the data items in the set is analyzed to determine the influence propagation range of state adjustment, the data of the subordinate data source is state backtracked, and finally the target financial statement corresponding to the reference time point is generated based on all the data after backtracking processing, so that the internal consistency and accuracy of the financial statement data in the time dimension are ensured.

The invention relates to the technical field of financial reports, and particularly discloses a financial report evaluation generation method and system based on big data analysis, and the method comprises the following steps: building a key financial index evaluation system, and collecting each index data of each sample; performing standardization processing on the collected data, eliminating dimension influence, and obtaining standardized values of different indexes; according to the standardized values of different indexes, calculating the weight of each index by using an entropy weight method; calculating a comprehensive evaluation result of the government financial report by combining the weight of each index and the financial data of each stage; the design of the evaluation indexes is helpful to comprehensively reflect financial conditions and operation conditions, is helpful to improve the capability of public services, reflects the development direction and requirements of government function transformation to the greatest extent, and reflects and evaluates the financial conditions and operation results from different angles and aspects.

Provide a system. 【Solution means】 Information processing means for inputting an individual's financial information and organizing / analyzing it, Income and expenditure analysis means for analyzing income and expenditure patterns based on an individual's financial data and identifying trends, Plan generation means for generating an individualized savings plan and asset formation proposal based on the analysis results, Language processing means for responding to an individual's questions using natural language, Emotion analysis means for estimating an individual's emotional state and proposing lifestyle improvement, Reporting means for regularly reporting the financial situation and notifying improvement proposals, Settlement real-time tracking means for obtaining electronic payment information in real time and assisting in optimizing savings and expenditures, A system including the above.

The invention discloses a listed company financial condition intelligent identification and audit simulation analysis platform, and the platform comprises a data fusion module which integrates multi-source data; the financial knowledge graph module is used for extracting an entity relationship to construct a graph; the financial health degree identification module is used for carrying out risk assessment based on a map and a model; the auditing simulation analysis module is used for receiving the auditing hypothesis, performing simulation deduction and outputting an influence path; the visualization module is used for displaying a result and generating an audit report; according to the method, an analysis platform integrating data fusion, knowledge graph, intelligent identification and simulation is constructed, dynamic pre-event and in-event risk early warning is realized, the method can penetrate through a complex company association network, financial statement data and commercial essence, market emotion and association relationships behind the financial statement data are dynamically associated, and the risk early warning efficiency is improved. Therefore, a tool capable of insighting the truth of the business is provided for an auditor and a financial analyst, and the depth and the breadth of financial auditing are greatly enhanced.

We provide the system. [Solution] A means of providing an interface for users to input financial information, A means of collecting input financial information and storing it in a database, A means of executing an algorithm that analyzes stored financial information to predict future financial conditions, A means of generating financial advice for users based on their predicted financial situation, A means of notifying users of advice, A means of providing reminders to users at the timing of life events, A system that includes this.

This image is an information display image used to aggregate and analyze financial information entered into accounting software operating on the cloud, and to display forecasts based on the results. The round face image and text below it, which resemble a human face and are displayed in the upper left corner of the image, switch depending on the aggregated and analyzed financial situation, as shown in "Image," "Image 1 showing changed state," "Image 2 showing changed state," and "Image 3 showing changed state." The face image and text change accordingly: green "smiling face" + "safe," yellow "serious face" + "caution," red "serious face" + "improvement needed," and gray "troubled face" + "insufficient data." By changing the color and expression of the face image and text according to the financial situation, users who view the image can instantly grasp the general current state of their financial situation without having to check detailed figures, thus significantly improving the convenience of displaying financial information. Furthermore, the colors of the facial images and the text below them—green, yellow, and red—correspond to the numerical values ​​indicating the current cash balance and other financial figures, respectively. Similarly, the words "safe," "caution," and "improvement needed" in the comments section on the right are also displayed in the same colors: green, yellow, and red. By matching the display colors of the facial images and text indicating financial status with the display colors of the financial figures and text in the comments, users viewing the image can quickly identify the amounts corresponding to their financial status (safe, caution, improvement needed) and quickly recognize the text in the comments, thus further improving the convenience of displaying financial status. Additionally, the graph at the bottom of the image shows the aggregated and analyzed changes in financial status. This graph displays not only past changes in financial status but also a forecast of changes in financial status over the next few months (for example, the next three months). In the forecast graph, the financial situation corresponding to "safe," "caution," and "needs improvement" is displayed in green, yellow, and red, respectively. This allows for a quick overview of the financial situation in the forecast graph.Furthermore, between the comment section at the top and the graph at the bottom, there are fields to confirm whether journal entries for cash and deposits, sales revenue, etc., have been entered, as well as links to tips for improving cash flow. When a user clicks the link to tips for improving cash flow, they are redirected to a website displaying such tips. This allows users who view the images to receive appropriate advice regarding their own financial situation.

The present disclosure provides a method and system for providing a financial plan to a user are disclosed. The method involves receiving a set of inputs related to the user's financial condition and identifying the user's profile, which encompasses their money sign, generation profile, and life stage. A financial behaviour model is applied to this profile and the inputs to compute a financial score. The financial plan is then generated by comparing the user's financial score with an ideal financial score, as determined by the financial behaviour model based on the user's profile. This method delivers a personalized financial plan designed to align the user's financial condition with the ideal financial score.

The invention discloses a risk transfer preference identification method and system based on artificial intelligence, and the method comprises the steps: collecting a full-customer data portrait of an insurance applicant, and the full-customer data portrait comprises insurance historical data, claim settlement record data, financial condition data and consumption behavior data; and training the full-customer data portrait based on a multi-layer network training model. According to the method, the feature similarity before and after insurance is measured by adopting a contrast divergence algorithm, a two-dimensional visual difference atlas is generated by combining t-SNE dimensionality reduction, and the behavior difference degree is visually presented; a dynamic threshold calibration mechanism ensures that difference identification is accurately adaptive to risk level change, and the discrimination sensitivity is improved; and on the basis of K-means clustering of three indexes of insurance frequency, claim settlement timeliness and financial lever, aggressive / robust / conservative / mixed type preferences are clearly divided, and rapid intelligent decision-making help is provided for a subsequent marketing strategy. And propaganda and insurance potential risk prompting for aggressors to reduce the type of insurance types are realized.

A system according to an embodiment aims to provide personalized financial advice based on a user's individual needs and to automate asset management.SOLUTION: A system includes a reception unit, a generation unit, a monitoring unit, a learning unit, and a provision unit. A reception part inputs the financial situation and target of a user. The generation unit generates advice based on the information input by the reception unit. The monitoring unit inputs the asset information of the user, and the AI automatically monitors the situation of the asset and performs rebalancing as necessary. The learning component improves financial knowledge through interactive learning tools. In a providing part, an AI analyzes a market trend and financial products, and provides a market insight to a user.SELECTED DRAWING: Figure 1

The system according to this embodiment aims to enable individuals to clearly understand their own financial situation and to create long-term financial plans. [Solution] The system according to the embodiment comprises a collection unit, a planning unit, and an analysis unit. The collection unit clarifies the financial situation. The planning unit creates a long-term financial plan based on the information collected by the collection unit. The analysis unit periodically analyzes the progress of the plan created by the planning unit and modifies the plan as necessary.

We provide the system. [Solution] A system comprising: means for receiving two-dimensional code payment data; means for storing the received two-dimensional code payment data in a database; means for integrating user purchase data, health data, and financial data from multiple data sources; means for analyzing the user's consumption trends, health status, and financial behavior based on the integrated data; means for generating multiple scenarios of the user's future health status and financial status based on the analysis results; means for visualizing the generated scenarios in text, image, and video formats; means for transmitting the visualized scenarios to the user's terminal; and means for generating suggestions for behavioral change to the user.

A system is provided.SOLUTION: The system includes means for collecting data such as a payment history, a communication history, and a financial situation of a debtor, means for analyzing the collected data and generating an optimal reminder plan for each debtor, means for automatically executing a reminder activity for the debtor based on the generated reminder plan, means for searching for and tracking the latest contact information of the debtor who cannot be contacted, means for generating a document for supporting a necessary legal procedure, and means for collecting a result of the reminder activity and updating a model based on an analysis result.SELECTED DRAWING: Figure 1

Technologies for enterprise financial modeling include a system with circuitry configured obtain parameter data indicative of a financial status of an organization. The circuitry may be further configured to select, as a function of the parameter data and from a set of models for tracking key financial metrics of different types of organizations, a model. Additionally, the circuitry may be configured to simulate, using the selected model and by dynamically allocating compute resources across multiple compute devices as a function of a simulation compute load, an effect of a predicted performance of a set of investments on the financial status of the organization. Other embodiments are also described and claimed.

We provide the system. [Solution] A means of analyzing collected financial data and evaluating an individual's financial situation based on their income, expenses, debts, and insurance contracts, A means to construct risk-managed investment proposals and automatically generate optimal insurance proposals and wealth accumulation plans, A means for dynamically generating personalized financial proposals using a generative AI model and providing prompt statements to support decision-making, A means for notifying the user device of the generated proposal and for executing and monitoring it based on the user's approval, A system that includes this.