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1. WO2020070463 - SYSTEM FOR MODELLING FINANCIAL INFORMATION

Publication Number WO/2020/070463
Publication Date 09.04.2020
International Application No. PCT/GB2019/000143
International Filing Date 27.09.2019
IPC
G06Q 40/08 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
08Insurance, e.g. risk analysis or pensions
G06Q 40/06 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
06Investment, e.g. financial instruments, portfolio management or fund management
CPC
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 40/08
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
08Insurance, e.g. risk analysis or pensions
Applicants
  • STANDARD LIFE EMPLOYEE SERVICES LIMITED [GB]/[GB]
Inventors
  • ATHERTON, John Andrew
  • MACKENZIE, Callum Ross
  • DUNBAR, Andrew James
  • CAMERON, Erin Leigh
  • SINCLAIR, Nicholas
Agents
  • BLACK, Simon John
Priority Data
62/740,78803.10.2018US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEM FOR MODELLING FINANCIAL INFORMATION
(FR) SYSTÈME POUR MODÉLISER DES INFORMATIONS FINANCIÈRES
Abstract
(EN)
A computer implemented system for providing financial advice, particularly in relation to the management of pension and investment assets and the planning of retirement income strategies. The system has a customer interface at which a customer inputs a set of customer financial information and/or preferences. An advice engine which contains one or more financial module such that the customer financial information and/or preferences are received by one or more of the modules to which the financial information is relevant and the advice engine outputs an initial financial advice recommendation based on the customer's inputs. A customer output provides the financial advice recommendation such as an income profile which consists of a number of future cashflows from / to the assets. The invention generates appropriate detailed input parameters and makes key decisions to 'drive' itself to produce a suitable solution for the customer.
(FR)
La présente invention concerne un système mis en œuvre par ordinateur pour fournir des conseils financiers, en particulier en ce qui concerne la gestion d'actifs de pension et d'investissement et la planification de stratégies de revenu de retraite. Le système comprend une interface client au niveau de laquelle un client entre un ensemble d'informations et/ou de préférences financières de client. Un moteur de conseils est prévu, lequel contient un ou plusieurs modules financiers de telle sorte que les informations et/ou les préférences financières de client sont reçues par un ou plusieurs des modules pour lesquels les informations financières sont pertinentes et le moteur de conseils délivre une recommandation de conseils financiers initiale sur la base des entrées du client. Une sortie de client fournit la recommandation de conseils financiers, telle qu'un profil de revenu qui consiste en un certain nombre de flux de trésorerie futurs en provenance/à destination des actifs. L'invention génère des paramètres d'entrée détaillés appropriés et prend des décisions clés pour 's'encourager' elle-même à produire une solution appropriée pour le client.
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