Benefit Metaphor Engine for Pension Planning

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Solution Overview

Problem

Current systems fail to simplify the complexities of benefit management while accurately communicating the real-world significance and effects of user actions within a metaphorical framework, particularly in pension planning, which requires long-term projections and interactive elements.

Innovation Solution

A system incorporating a benefit metaphor engine that receives benefit data, derives attributes, and generates interactive metaphors, allowing users to engage with their benefit plans through engaging interfaces, such as travel or adventure themes, where decisions within the metaphor reflect real-world consequences, and incorporates scoreboards to encourage desirable behavior.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If pension planning is presented with detailed variables and projections, then accuracy of financial information is improved, but ease of operation deteriorates

Engineering Contradiction:
Improveaccuracy of financial informationVSAvoidease of understanding
Core Design Contradiction:
Measurement precisionVSEase of operation

Solution Approach 1:

The patent introduces a metaphorical intermediary layer (jungle map with characters, paths, and landmarks) that mediates between the complex financial data and the user. This metaphorical framework translates detailed pension variables into intuitive visual elements while preserving the underlying financial accuracy, allowing users to interact with complex projections through simplified symbolic representations

Inventive Principle:
Principle #24Intermediary (Mediator)

2Ease of operation

If interactive elements are added to allow mid-game user inputs, then ease of operation is improved, but device complexity increases

Engineering Contradiction:
Improveuser interaction capabilityVSAvoidsystem complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The system segments the complex pension planning process into discrete, manageable metaphorical elements (characters, paths, decision points, landmarks) that can be independently manipulated. Each segment represents a specific aspect of pension planning that users can modify through simple interactions, reducing the perceived complexity while maintaining full functionality

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The metaphorical framework is designed to be dynamic and adaptive, allowing the jungle map to reconfigure based on user inputs and changing pension parameters. The system dynamically updates the metaphorical representation to reflect mid-game decisions, maintaining ease of interaction while adapting to complex underlying calculations

Inventive Principle:
Principle #15Dynamics

Data Source

PatentUS10002390B2Mapping pension planning to a metaphor
Publication Date: 2018.06.19 MERCER US INC
  • US10002390B2 patent drawing
  • US10002390B2 patent drawing
  • US10002390B2 patent drawing

AI summary

A system for benefits management that includes a benefit metaphor engine that can apply a user-facing metaphor over the benefit plan, where characteristics of the benefit plan are used to identify rule sets to generate an appropriate metaphor. The metaphor presents information about the benefit plan within the metaphor setting, and allows for the user to make decisions within the metaphor that affect the benefit plan outside of the metaphor.