64 results about "Financial well being" patented technology

The invention discloses an intelligent enterprise financial data analysis system and method based on artificial intelligence, and belongs to the technical field of enterprise informatization management and intelligent finance. The objective of the invention is to solve the technical problems of low processing efficiency, insufficient data insight, lagging risk identification, weak intelligent decision-making assistance capability and the like in the existing enterprise financial data analysis process. The system generally integrates a data automatic acquisition and integration module, a financial data deep analysis and modeling engine based on artificial intelligence, a key financial index and operation performance intelligent calculation module, a multi-dimensional financial risk intelligent identification and dynamic early warning module and an interactive visual analysis report and decision support module. The core of the method is that internal and external multi-source heterogeneous financial and operation data of an enterprise are automatically collected and fused, deep processing and intelligent analysis are performed on the data by applying artificial intelligence technologies such as machine learning and natural language processing, and accurate portrait of the financial condition of the enterprise, dynamic evaluation of operation performance and real-time monitoring and prediction of financial risks are realized. And analysis reports and optimization suggestions with insight are generated, so that enterprise managers can make efficient and scientific operation decisions. According to the method, the automation and intelligence level of enterprise financial data analysis can be remarkably improved, the financial information quality and decision support efficiency are improved, the risk prevention capability of enterprises is enhanced, and the enterprises are assisted to realize refined operation and value creation.

The invention provides a digital financial management system and method based on business and financial fusion, and the method comprises the steps: formulating a data format standard according to enterprise business and financial data, removing repeated data, filling missing data, and processing abnormal data, and obtaining standardized enterprise business and financial data; constructing a business and financial integration management index system, and combining enterprise business and financial data to obtain various indexes for decision making; training an LSTM model based on the historical values of the indexes, and reasoning and predicting the development trends of the indexes based on the trained LSTM model; the historical values of the indexes and the development trends of the indexes are visually displayed; accuracy and consistency of enterprise business and financial data are ensured, various indexes useful for decision making are provided in combination with the enterprise business and financial data, enterprises are helped to better understand and grasp business conditions and financial conditions, the LSTM model is trained based on historical data, future development trends of the indexes can be predicted, and the enterprise business and financial data can be predicted. And an enterprise can conveniently plan and adjust a strategy in advance.

An AI-driven system (100) for a personalized chatbot for financial advice using LLMS and real-time data integration, comprising the following: a chatbot module based on a large language model (LLM) that is configured to process user requests and generate personalized financial recommendations by using natural language understanding and historical data patterns; a real-time data processing module configured to retrieve and process financial data from stock exchanges, banking systems, government economic reports and financial news sources, continuously updating relevant financial information such as stock prices, interest rates and economic indicators; a risk assessment module configured to analyze a user's financial profile, including their risk tolerance, investment history and financial objectives, to ensure regulatory compliance and the suitability of investment recommendations in accordance with relevant financial regulations; an adaptive module based on machine learning that is configured to refine and optimize financial recommendations based on user interactions, financial trends, historical data and evolving market conditions, learning from past user behavior and adapting to changing market dynamics; a natural language processing module that facilitates interactive interaction with the user through text, speech, and graphical financial reports, thus enabling multimodal interaction to improve user experience and understanding of complex financial information; a proactive warning module configured to inform users about investment opportunities, market risks, and necessary portfolio adjustments based on real-time market data, trend analyses, and predictive models; a security and compliance module that ensures encrypted data transmission, user authentication and compliance with financial data protection regulations, including the secure storage of sensitive financial data and adherence to industry standards such as GDPR and PCI-DSS.

The invention discloses a financial analysis system, and the system comprises a query input module which is used for collecting questions of a user; the query input module is connected with the data model module, the data model module is used for receiving and analyzing natural language questions from the query input module, and the data model module retrieves structured data and unstructured data and outputs results; the data model module is connected with the fine tuning module; the fine tuning module is used for correcting an output result of the data model module; the fine tuning module is connected with the display module which is used for displaying the comprehensive analysis report. According to the method using the financial analysis system, structured data and unstructured data are combined for comprehensive analysis, more comprehensive and in-depth company financial condition analysis can be provided, and the integrity and accuracy of an analysis result are ensured by performing unified processing on different types of data; and financial conditions and operation results of companies are comprehensively reflected.

The invention provides a financial enterprise customer finance early warning method and system based on a Transform, and relates to the technical field of enterprise finance analysis, and the method comprises the steps: obtaining multi-year financial data and basic attribute data of an enterprise, and carrying out the data preprocessing, so as to obtain a processed financial data set and a basic attribute data set; according to the processed financial data set and the basic attribute data set, a transpose Transform-based financial prediction model is constructed, and the transpose Transform transposes [L, D] into [D, L] by adjusting the dimension of an input matrix, so that each feature forms an independent time sequence. According to the method, the financial prediction model based on the transpose Transform is constructed, multi-year financial data and basic attribute data of an enterprise are effectively fused, accurate prediction and early warning of the financial condition of the enterprise are achieved, and the risk assessment and credit rating process of financial enterprise customers is optimized.

The invention provides a dynamic credit risk assessment system and method based on multi-source data, and relates to the technical field of financial science and technology, and the system comprises a multi-source data collection module which is used for integrating internal data of a financial institution, public credit investigation data and Internet behavior data, and achieving safety data fusion through a privacy calculation technology; and the feature engineering module is used for extracting statistical features (such as transaction frequency), text features (such as social media sentiment analysis) and graph features (such as social network centrality), and constructing a novel credit risk assessment model in combination with dynamic behavior data and static data. The model not only considers the historical credit record and financial condition of the borrower, but also incorporates the behavior pattern and social network information of the borrower, so that the credit risk of the borrower can be evaluated more comprehensively. Through the application of a machine learning algorithm, useful features can be automatically learned and extracted from massive data, and the accuracy and efficiency of credit rating are improved.

A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and / or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.

The invention belongs to the field of enterprise financial analysis, and particularly relates to an enterprise financial data proofreading method, which comprises the following steps: S1, data acquisition and preprocessing: acquiring financial data from a financial system of an enterprise, and preprocessing the financial data, including data cleaning, format conversion, data standardization and the like, so as to ensure the consistency and comparability of the data; s2, feature extraction and selection: extracting features including numerical features, text features, time features and the like from the preprocessed financial data, and selecting key features according to the features of the data and proofreading requirements; and S3, machine learning model construction: constructing machine learning models, including a classification model, a regression model, a clustering model and the like, based on the extracted features. According to the invention, rapid and accurate proofreading of financial data can be realized, an enterprise can better master own financial conditions and operation conditions, and powerful support is provided for decision and management of the enterprise.

The invention discloses a system and a method for evaluating unhealthy assets, and relates to the technical field of asset evaluation, and the method comprises the following steps: firstly, collecting various financial data of borrowers and related parties through a big data analysis tool, and building a multi-dimensional data platform containing the comprehensive financial conditions of the borrowers; and according to the collected financial data, an asset and liability map of the borrower and the associated party thereof is constructed, and financial health conditions of the borrower and the associated party thereof are deeply known. Through combination of a big data analysis tool and a machine learning model, financial data of borrowers and related parties thereof can be comprehensively collected and analyzed, a clear asset and liability map is constructed, and potential hidden debt risks can be deeply mined. Through an intelligent risk prediction and guarantee supplement mechanism, a high-risk borrower can be automatically identified and guarantee requirements can be dynamically adjusted, so that potential loss of a loan institution is reduced.

The invention provides a to-be-assessed object investment risk level determination method and device, a medium and a program, and the method comprises the steps: determining an industry to which a to-be-assessed object belongs as a target industry, and determining a financial model corresponding to the target industry; inputting the financial index data of the to-be-evaluated object into the Bootstrap model, the fixed effect model and the K-nearest neighbor model, and operating to respectively obtain first result data, second result data and third result data; and according to the first result data, the second result data and the third result data, determining a financial index model value, and according to the financial index model value, calculating scores of the to-be-evaluated object under financial indexes corresponding to the financial index data so as to obtain a final score of the to-be-evaluated object. And evaluating the financial condition of the to-be-evaluated object by adopting the final score. The problem that the investment risk of the to-be-assessed object is increased due to the fact that the model adopted for financial condition assessment is single and industry differences are not considered in the prior art is solved.

This a computerized rolling feedback system for financial and risk analysis comprising a database of recommendation information representing financial risk information of a set for past participants; a set of financial situational information for a target participant taken from the group consisting of mortgage, financial or debt statement, loan document, tax return, insurance policy, will, trust, a financial plan and a debt-to-income ratio analysis; a computer system adapted to receive an additional information, determine an information type according to a similarity engine included in the computer system using a similarity analysis and modifying the financial risk information according to the additional information, apply a digital ruleset stored on the computer system to provide a recommendation for financial risk information modifications according to a comparison of the financial risk information with the financial situational information.

The invention discloses an intelligent financial statement analysis system based on a cloud AI technology, and relates to the technical field of data management. According to the intelligent financial statement analysis system based on the cloud AI technology, the collected data are classified through preprocessing, the processed data are synchronously extracted to realize association of various evaluation indexes, a machine learning prediction model is established, and real-time data are introduced into the machine learning prediction model to predict and evaluate financial conditions. The artificial intelligence technology is utilized to carry out deep mining and analysis on financial data, interference of human factors is reduced, accuracy and objectivity of analysis results are improved, association of financial index calculation and machine learning analysis is comprehensively utilized to form a machine learning prediction model, financial information analysis is deeply carried out, the financial condition of an enterprise is monitored in real time, and the economic benefit of enterprises is improved. Potential financial risks can be found in time, and decision support is provided for enterprise managers.

The invention provides an enterprise financial analysis report generation method and system, and relates to the technical field of enterprise risk control, and the method comprises the steps: obtaining company financial data, and carrying out the analysis to generate a current financial condition coefficient; client evaluation data and supplier data are obtained and analyzed to generate a future financial evaluation coefficient; obtaining company employee data, and obtaining a company stability coefficient according to the company employee data; generating a comprehensive financial condition evaluation coefficient according to the financial condition coefficient, the future financial evaluation coefficient and the company stability coefficient; and constructing a comprehensive financial condition change prediction model, obtaining a predicted comprehensive financial condition evaluation coefficient of the current quarter of the company according to the comprehensive financial condition change prediction model, and generating a financial report. According to the invention, financial health and financial development conditions of enterprises can be evaluated more comprehensively, so that more intelligent decision making is supported.

A computing system can initially receive client data of a client of the financial health service. Using the client data, the system generates an individualized action plan and a financial health score for the client. The system further receives, in real-time, financial update data indicating changes to a financial situation of the client. In response to receiving the financial update data, the system updates the individualized action plan and the financial health score for the client. Thereafter, the system may receive a financial health request from a transaction entity with which the client transacts, and based at least in part on the financial health request, the system can transmit the updated financial health score to the computing device of the transaction entity.

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.

A smart table display system includes a display surface, an input / output device, and a processing circuit configured to receive financial data regarding a financial health of a user, generate a graphical user interface comprising a graphic that depicts the financial health of the user based on the financial data where the graphical user interface is for display on the display surface, receive sensor data regarding the user via the input / output device, continuously update the financial health of the user based on the sensor data, and cause the graphical user interface to update as the financial health of the user is updated.

To enable a financial state corresponding to an actual situation of a business entity to be determined in performing financial analysis of the business entity.SOLUTION: A financial analysis system 100 includes an acquisition unit 3 for acquiring information related to a business overview of a business entity, a processing unit 4 for acquiring the amount related to a profit and the amount of executive compensation for a representative on the basis of the information related to the business overview acquired by the acquisition unit 3, adding the amount of executive compensation for a representative to the amount related to the profit of the business entity, and calculating an added profit amount, and an output unit 5 for outputting a result calculated by the processing unit. The information related to the business overview of the business entity includes at least one of a corporate business overview statement, a financial statement, a trial balance sheet, an itemized account statement or an account book.SELECTED DRAWING: Figure 1

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 computer-implemented method for managing an individual's financial portfolio to optimize net wealth involves receiving financial data, analyzing the data to determine the user's current financial state, and personalizing a financial guidance plan. The method includes generating tailored financial guidance, implementing a reinforcement learning algorithm to refine the guidance, and providing the guidance through a user interface, for example, such as a website. The method further allows for adjusting the financial guidance plan based on user-inputted financial goals and presenting a visual representation of the individual's financial trajectory. This visual representation includes a graphical chart that displays projected net wealth growth and allows for interaction to simulate changes in financial behavior. The method aims to improve net wealth by optimizing resource allocation among debt reduction, savings, and investments according to the individual's personalized financial plan.

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

The present invention relates to the field of credit risk technology, specifically to a loan risk assessment method and system based on artificial intelligence, including the following steps: collecting historical loan records, financial statements, bank flow and market behavior data of an enterprise, integrating the collected data, analyzing capital flow and debt repayment ability, and evaluating the financial status of the enterprise to generate a financial health index. In the present invention, the introduction of the financial health index improves the accuracy and efficiency of preliminary credit review, reduces the consumption of resources, and can instantly reflect the impact of market fluctuations on corporate credit by dynamically analyzing the correlation between lending behavior and market changes, providing a more forward-looking risk assessment. The application of product matching index information optimizes the loan product recommendation process, ensuring that financial products are highly consistent with corporate needs, thereby improving customer satisfaction and the effective delivery of loan products. The accuracy of risk level classification makes loan decisions more scientific.

The invention discloses a financial condition analysis method, device and equipment based on a large model, and a medium, and relates to the technical field of automobile finance, and the method comprises the steps: obtaining target financial data; wherein the financial data comprises quantized data and non-quantized natural language data; determining target data features corresponding to the target financial data by using an analytic hierarchy process, inputting each target data feature corresponding to the target financial data into a target financial analysis model so as to analyze each target data feature, and generating a financial condition analysis result according to a corresponding analysis result; and obtaining a financial condition analysis result, and analyzing the financial condition of the target dealer according to the financial condition analysis. By obtaining the multi-source data containing the quantized and non-quantized natural language data, effective obtaining and utilization of the natural language data are achieved, and the problem that a traditional target small model cannot process the natural language data is solved.

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