Media-Driven Asset Performance Simulation for Personalized Portfolio Advice

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Solution Overview

Problem

Traditional media systems and financial analytics systems struggle to provide personalized and objective analysis of how current events impact individual financial investments and personal lives, often relying on biased human interpretations and simplified prediction models that fail to account for complex market interactions.

Innovation Solution

A predictive advisement system utilizing AI algorithms and natural language processing to analyze media content, historical data, and user data to generate personalized financial advice through a natural language report, integrating across multiple devices to streamline interactions and present clear recommendations.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of information

If traditional media systems and financial analytics systems are used to analyze current events impact on investments, then information accessibility is improved, but analysis objectivity and personalization deteriorate due to biased human interpretations and simplified models

Engineering Contradiction:
Improveinformation accessibilityVSAvoidanalysis objectivity
Core Design Contradiction:
Loss of informationVSMeasurement precision

Solution Approach 1:

The patent replaces manual financial analysis (human experts manually reviewing news and portfolios) with an automated AI system that uses natural language processing to analyze media content and machine learning models to simulate asset performance. This substitution eliminates human bias while maintaining high information accessibility, directly resolving the contradiction between information accessibility and analysis objectivity.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system changes the parameters of analysis by processing vast quantities of media content and historical data simultaneously, using multiple AI models (NLP, machine learning, simulation) to generate comprehensive predictions. This multi-parameter approach enables personalized, objective analysis that adapts to individual user portfolios, resolving the limitation of simplified traditional models.

Inventive Principle:
Principle #35Parameter changes

2Adaptability or versatility

If manual analysis by human financial advisors is performed, then personalized advice is improved, but productivity and real-time response capability deteriorate

Engineering Contradiction:
Improvepersonalized adviceVSAvoidreal-time response capability
Core Design Contradiction:
Adaptability or versatilityVSProductivity

Solution Approach 1:

The system enables users to receive personalized financial advice automatically without requiring manual intervention from financial advisors. The AI system self-serves by continuously monitoring media content, analyzing user portfolios, and generating personalized predictions and recommendations in real-time, thus maintaining high personalization while achieving unlimited productivity.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent replaces the mechanical process of manual financial analysis with automated AI algorithms that can process and analyze unlimited data in real-time. This substitution maintains the personalization benefit of human advisors while eliminating their time constraints, enabling instant response to current events.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

3Measurement precision

If complex prediction models are used to analyze market interactions, then measurement precision is improved, but device complexity and ease of operation worsen

Engineering Contradiction:
Improveprediction accuracyVSAvoidsystem complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The patent introduces a natural language processing intermediary that translates complex AI model outputs into simple, easily understandable language. The system acts as a mediator between complex prediction models and users, maintaining high measurement precision while eliminating device complexity from the user's perspective through automated report generation in natural language.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system replaces complex manual analysis processes with automated AI models that handle the computational complexity internally. Users interact with simple interfaces to receive sophisticated predictions, effectively substituting mechanical complexity with intelligent automation that maintains precision while improving ease of operation.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

4Measurement precision

If traditional analytics systems attempt event-by-event analysis, then measurement precision is improved, but loss of time and reliability worsen due to subjective biases and omitted factors

Engineering Contradiction:
Improveevent analysis detailVSAvoidanalysis time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The patent replaces time-consuming manual event-by-event analysis with automated AI systems that can process and analyze multiple events simultaneously in real-time. The system maintains detailed measurement precision for each event while eliminating the time loss associated with manual analysis, and eliminates subjective biases through objective algorithmic processing.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system enables continuous, uninterrupted analysis of current events and their impact on investments. Unlike manual analysis that occurs in discrete time intervals, the AI system continuously monitors media content, analyzes events as they occur, and provides real-time predictions, eliminating time loss while maintaining detailed measurement precision.

Inventive Principle:
Principle #20Continuity of useful action

Data Source

PatentUS20250363560A1Systems and methods for simulating future asset performance based on consumable media content
Publication Date: 2025.11.27 WELLS FARGO BANK NA
  • US20250363560A1 patent drawing
  • US20250363560A1 patent drawing
  • US20250363560A1 patent drawing

AI summary

Systems, apparatuses, methods, and computer program products are disclosed for simulating future asset performance based on consumable media content. An example method includes monitoring a user device for receipt of a data stream comprising media content. The example method further includes receiving a simulation request requesting a prediction model for an asset of a user portfolio based on the media content. The example method further includes generating a prediction model output indicating future performance of the asset of the user portfolio based on the media content and historical data. The example method further includes generating a natural language report representative of the future performance of the asset of the user portfolio. The example method may further include transmitting the natural language report to the user device.