COMPUTER SYSTEM FOR AUTOMATED DECISION-MAKING ON BEHALF OF UNAVAILABLE USERS

A computer system is described that is configured to make automated decisions to perform financial affair management on behalf of a user who is unable or unwilling to manage their financial affairs. The computer system accepts user-defined rules regarding how to manage the financial affairs of the u...

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Bibliographische Detailangaben
Hauptverfasser:	Wright, John T, Kushner, Kristine Ing
Format:	Patent
Sprache:	eng
Schlagworte:	CALCULATING COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:	A computer system is described that is configured to make automated decisions to perform financial affair management on behalf of a user who is unable or unwilling to manage their financial affairs. The computer system accepts user-defined rules regarding how to manage the financial affairs of the user and, in some cases, when to assume control of the user's financial accounts. The computer system also generates computer-learned rules based on historical financial behavior patterns of the user. In certain scenarios, the computer system assumes control of the user's financial accounts and continues management and decision making responsibilities on the user's behalf based on the user-defined rules and the computer-learned rules. The computer system may assume control temporarily for an unavailable user or assume control indefinitely for an incompetent user. The computer system may alert the user prior to assuming control of the financial accounts.