SYSTEM FOR ANALYZING PRE-EVENT AND POST-EVENT INDIVIDUAL ACCOUNTS AND TRANSFORMING THE ACCOUNTS

摘要

Systems, computer program products, and methods are described herein for analyzing financial accounts of users, providing suggested financial actions, and automatically taking the financial actions by transforming the financial accounts or transactions of the users based on a life event of the users. Typically, the life event may be a marriage or a divorce. The occurrence of a life event may be determined by the transactions that users make, social network postings made by users, input into an application made by users, or like. After the determination of an occurrence of a life event, the finances of the users associated with the life event are analyzed and suggested financial actions are determined. The analysis of the finances and one or more proposed financial actions are presented to the users. A user selects one or more of the financial actions to implement and the proposed financial action is automatically initiated.

主权项

1. A system for providing recommended financial actions for finances of users based on life events of the users, the system comprising:
one or more memory devices having computer readable program code store thereon; and one or more processing devices operatively coupled to the one or more memory devices, wherein the one or more processing devices are configured to execute the computer readable program code to:
determine a life event occurrence, wherein the life event may include a past life event or a future life event;determine a second user associated with the life event of the first user;access financial accounts of the first user and the second user associated with the life event through the financial institution systems or third-party systems;analyze the finances of the first user and the second user from the financial accounts;determine suggested financial actions for the first user and the second user, wherein the suggested financial actions comprise pre-event financial actions or post-event financial actions; anddisplay the finances and the suggested financial actions for the first user and the second user in one or more life event interfaces through the first user computer system and the second user computer system.