| 摘要 |
A life-components oriented financial planning system comprises a timeline planning interface module for generating an interface comprising a plurality of histograms representing a planning target's “life components”; a projection generation module comprising projection generation formulae, wherein the entire projection data form the projection set of a “life road”; a financial destiny chart module for creating financial destiny charts from projection data in projection sets. Each life component comprises four kinds of “projections”, income, expenses, assets and liabilities. The position and length of the histogram represent values of a corresponding life component. The planning target's life road comprises life components; life components are grouped by financial modules and formed from projections; the projection comprises items. The present invention can strengthen trust in the planning process, making a planning target input more personal data to plan for himself or herself. The status the system simulates becomes clearer as more information is provided. |
| 主权项 |
1. A life-components oriented financial planning system comprising: a timeline planning interface module for generating a timeline planning interface comprising a plurality of histograms representing life components of a planning target, wherein the timeline planning interface represents a life road of the planning target, and the life components refer to people and events in financial association with a person that occur during the lifetime of the planning target;
a projection generation module comprising projection generation formulae for calculating projection data, wherein the entirety of the projection data forms a projection set of the life road; a financial destiny chart module used for creating financial destiny charts from projection data in the projection set and performing status analysis and/or projection analysis, wherein the financial destiny charts comprise life financial statements and financial relationships charts; and wherein each life component comprises eight projections divided into two groups, “value on living” group and “available at death” group, each of which comprises income, expenses, assets and liabilities, the timeline planning interface is displayed in a life component mode or a projection mode, and the position and length of the histogram represent a value of a corresponding life component; and the life road of the planning target comprises life components; life components are grouped together by financial modules and are formed from projections; details of the projection comprise items; and the entire financial life of the planning target is structurally divided into four categories: the life road, the life component, the projection and the item. |
