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1. WO2020069612 - SYSTEM FOR INTEGRATING DATA USED IN COMPUTING FINANCIAL WELLBEING SCORES, AND METHODS OF SAME

Publication Number WO/2020/069612
Publication Date 09.04.2020
International Application No. PCT/CA2019/051405
International Filing Date 01.10.2019
IPC
G06Q 40/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
CPC
G06N 20/00
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
NCOMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS
20Machine learning
G06N 7/005
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
NCOMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS
7Computer systems based on specific mathematical models
005Probabilistic networks
G06Q 10/04
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
10Administration; Management
04Forecasting or optimisation, e.g. linear programming, "travelling salesman problem" or "cutting stock problem"
G06Q 40/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
G06Q 40/06
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
06Investment, e.g. financial instruments, portfolio management or fund management
G06Q 40/12
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
12Accounting
Applicants
  • IGM FINANCIAL INC. [CA]/[CA]
Inventors
  • CARNEY, Jeffrey R.
  • MILNE, Douglas
  • RUEST, Gaétan
  • JACK, Michael
  • AU, Chanel
  • KLUS, Garett K. I.
Agents
  • SLANEY, Brett J.
  • CHARI, Santosh K.
  • RODIN, Leah
  • WRIGHT, Laurie
  • PRENOL, Anthony
Priority Data
62/739,74501.10.2018US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEM FOR INTEGRATING DATA USED IN COMPUTING FINANCIAL WELLBEING SCORES, AND METHODS OF SAME
(FR) SYSTÈME D'INTÉGRATION DE DONNÉES UTILISÉ DANS LE CALCUL DE SCORES DE BIEN-ÊTRE FINANCIER, ET PROCÉDÉS ASSOCIÉS
Abstract
(EN)
A system and method are provided for integrating data used in computing financial wellbeing scores. The system includes at least one computing device configured to provide a computing platform, the computing platform providing: at least one client module providing an interface for communicating with client devices; an advisor module providing an interface for communicating with advisor devices; a forecast module; an optimizer module configured to analyze datasets from multiple sources and to generate recommendations to optimize strategies to achieve financial outcomes; and a database storing financial planning data. The system also includes an integration layer interposed between the computing platform and a book of record to enable client data in the book of record to be accessed; and a financial planning software module independent of the computing platform, configured to generate financial plan data integrated by the computing platform in financial wellbeing scores and recommendations. The computing platform is configured to, in real time: access data from the book of record and obtain data generated by the financial planning software, to generate a financial wellbeing score for the client module or the advisor module being accessed by a respective device.
(FR)
L'invention concerne un système et un procédé permettant d'intégrer des données, utilisés dans le calcul de scores de bien-être financier. Le système comprend au moins un dispositif informatique configuré afin de fournir une plateforme informatique, la plateforme informatique fournissant : au moins un module client fournissant une interface permettant de communiquer avec des dispositifs clients ; un module conseiller fournissant une interface permettant de communiquer avec des dispositifs conseillers ; un module d'optimisation configuré afin d'analyser des ensembles de données en provenance de multiples sources et permettant de générer des recommandations afin d'optimiser des stratégies afin de réaliser des résultats financiers ; et une base de données mémorisant des données de planification financière. Le système comprend également une couche d'intégration interposée entre la plateforme informatique et un livre d'enregistrements afin de permettre l'accès à des données client dans le livre d'enregistrements ; et un module de logiciel de planification financière indépendant de la plateforme informatique, configuré afin de générer des données de plan financier intégrées par la plateforme informatique dans des scores et des recommandations de bien-être financier. La plate-forme informatique est configurée, en temps réel, afin : d'accéder à des données à partir du livre d'enregistrements et d'obtenir des données générées par le logiciel de planification financière, permettant de générer un score de bien-être financier destiné au module client ou au module conseiller en cours d'accès par un dispositif respectif.
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