Artificially Intelligent Financial Wellness
Systems and methods for secure messaging and automation are disclosed herein. An example method includes providing, by an application server layer, a user-facing application that accesses a data retention system and a predictive analytics system through a web services layer, the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application, establishing a security protocol or security token utilized between the application server layer and the web services layer that is different from the security token cached on the web browser; and performing asynchronous processing based on user interaction with a goal-based planning application that processes data from a plurality of user accounts.
1 . An artificially intelligent system for financial wellness configured by at least one processor to execute instructions stored in memory, the system comprising:
a user-facing application that performs processing based on user interaction with a goal- based planning application, the goal-based planning application configured to execute instructions including:
determining a pillar score for each of a plurality of pillars, the pillar score being a weighted percentage of a financial wellness score, each of the plurality of pillars including a component data attribute, the component data attribute being a weighted percentage of the pillar score for each of the plurality of pillars;
each pillar and each component data attribute having a corresponding piece of advice to advance a user within the pillar, the advice being based on machine learning and predictive analytics; and
calculating the financial wellness score using the pillar score for each of the plurality of pillars.
2 . The artificially intelligent system for financial wellness of claim 1 , further comprising the data retention system and the predictive analytics system being both in secure isolation from a remainder of the secure messaging system.
3 . The artificially intelligent system for financial wellness of claim 1 , further comprising the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application.
4 . The artificially intelligent system for financial wellness of claim 1 , further comprising the application server layer performing asynchronous processing.
5 . The artificially intelligent system for financial wellness of claim 1 , further comprising the goal-based planning application processing data from a plurality of user accounts.
6 . The artificially intelligent system for financial wellness of claim 1 , further comprising a batching service, wherein the application server layer transmits a request to the web services layer for data, the request processed by the batching service transparently to a user.
7 . The artificially intelligent system for financial wellness of claim 1 , further comprising a request processed by a batching service transparently to a user such that the user can continue to use the user-facing application without disruption.
8 . The artificially intelligent system for financial wellness of claim 1 , the plurality of pillars including a monthly cash flow pillar, a financial freedom pillar, a security pillar, a personal organization pillar, and a decay element pillar.
9 . The artificially intelligent system for financial wellness of claim 8 , the monthly cash flow pillar having the component data attribute of savings as a percentage of gross income or a credit score.
10 . The artificially intelligent system for financial wellness of claim 8 , the financial freedom pillar having the component data attribute of a retirement goal status, 401k savings, 403B savings, IRA savings, an investment strategy, or automated savings.
11 . The artificially intelligent system for financial wellness of claim 8 , the security pillar having the component data attribute of an emergency goal, a funding emergency goal, a saving plan on track, adequate insurance coverage, or an estate plan.
12 . The artificially intelligent system for financial wellness of claim 8 , the personal organization pillar having the component data attribute of a financial account linked to a net worth dashboard, or record keeping.
13 . The artificially intelligent system for financial wellness of claim 8 , the decay element pillar having the component data attribute of an amount of educational content consumed online, an amount of interaction with a financial advisor or a login frequency to view the financial wellness score.
14 . The artificially intelligent system for financial wellness of claim 1 , further comprising the corresponding piece of advice having an advice score.
15 . The artificially intelligent system for financial wellness of claim 1 , further comprising the machine learning and the predictive analytics using user cohort behaviors.
16 . The artificially intelligent system for financial wellness of claim 1 , further comprising determining if the corresponding piece of advice was followed.
17 . The artificially intelligent system for financial wellness of claim 1 , further comprising determining if another piece of advice was followed before the corresponding piece of advice.
18 . The artificially intelligent system for financial wellness of claim 14 , further comprising the advice score being inversely related to the financial wellness score for a pillar.
19 . The artificially intelligent system for financial wellness of claim 14 , further comprising the corresponding piece of advice being prioritized based upon the advice score.
20 . The artificially intelligent system for financial wellness of claim 1 , further comprising recalculating the financial wellness score using the pillar score for each of the plurality of pillars.