Personalized Financial Management System Using Protocol Parameter Classification

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Solution Overview

Problem

There is a lack of efficient and tailored executable data structures that can meet the unique needs of individuals, particularly in managing personalized financial and pecuniary-related information.

Innovation Solution

An apparatus and method for generating a personalized management system, which includes a processor and memory to receive user metrics, classify them into protocol parameters, determine efficiency scores for contingent payments, and generate an optimization model using an executable data structure.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If generic executable data structures are used, then implementation simplicity is maintained, but adaptability to individual user needs deteriorates

Engineering Contradiction:

Improveadaptability to user needsVSAvoidsystem complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system performs preliminary classification of user metrics into protocol parameters before generating the executable data structure. This advance categorization enables the system to adapt to individual user needs without increasing overall system complexity, as the classification framework is established in advance through training data.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system changes parameters by dynamically adjusting protocol parameters based on classified user metrics. This allows the executable data structure to adapt to different user needs by modifying financial protocol parameters such as loan consolidation terms, insurance policy selections, and payment schedules without requiring a completely different system architecture.

Inventive Principle:

Principle #35Parameter changes

2Measurement precision

If standardized management systems are used, then ease of operation is maintained, but measurement precision of individual financial situations deteriorates

Engineering Contradiction:

Improveprecision of financial assessmentVSAvoidoperational simplicity

Core Design Contradiction:

Measurement precisionVSEase of operation

Solution Approach 1:

The system segments user financial metrics into distinct protocol parameter categories (e.g., loan information, insurance data, investment metrics). This segmentation enables precise measurement of individual financial situations by breaking down complex financial profiles into manageable, analyzable components while maintaining ease of operation through automated classification.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system uses feedback mechanisms where the classifier is trained with training data to continuously improve its accuracy in classifying user metrics into protocol parameters. This feedback loop enhances measurement precision of individual financial situations while the automated nature of the process maintains operational simplicity for users.

Inventive Principle:

Principle #23Feedback

3Adaptability or versatility

If manual customization of financial plans is performed, then adaptability to unique needs is improved, but productivity deteriorates

Engineering Contradiction:

Improvepersonalization capabilityVSAvoidsystem efficiency

Core Design Contradiction:

Adaptability or versatilityVSProductivity

Solution Approach 1:

The system performs self-service by automatically classifying user metrics into protocol parameters and generating personalized executable data structures without requiring manual intervention. This automation maintains high adaptability to unique user needs while significantly improving productivity, as the system efficiently processes and customizes financial management plans autonomously.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system replaces manual mechanical processes of financial planning with an automated computational system. The classifier and executable data structure generation automatically substitute for manual customization processes, maintaining personalization capability while dramatically increasing system efficiency and productivity through automated processing.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS20250045821A1Apparatus and method for generating a personalized management system

Publication Date: 2025.02.06 RESOURCE ONE LLC

AI summary

An apparatus for receiving user metrics related to a user. The apparatus is configured to identify a plurality of sets of protocol parameters related to a plurality of contingent transactions. Apparatus is configured to determine an efficiency score of each of the contingent transactions as a function of the plurality of protocol parameters and an efficiency criterion. Apparatus is configured to select a first contingent transaction of the plurality of the contingent transactions as a function of the efficiency score, wherein the first contingent transaction comprises a first set of protocol parameters of the plurality of parameters. Apparatus is configured to generate an optimization model of the first contingent transaction as a function of the user metrics and the first set of protocol parameters, wherein the optimization model comprises one or more regulatory elements.