| 摘要 |
The personal financial mentor (PFM) is a computer-implemented financial mentoring method and apparatus designed to generate and display advice in response to user-supplied financial profile information. Financial profile information is information pertaining to personal financial objectives and characteristics unique to each user of the PFM. External information related to the user's personal financial objectives and characteristics is also defined by the PFM as financial profile information. The PFM stores the financial profile information in a knowledge base database in a plurality of sub-component databases. A knowledge base analytic engine and a dynamic interview generator control the mentoring process through a plurality of PFM interfaces. The PFM also includes an online processor for completing financial product/service applications and transmitting the applications to financial product/service providers. The PFM communicates to the user through a network connection, wherein the user may be communicating through a variety of user interface devices, such as a personal computer, a landline telephone, a wireless communication device, a kiosk, a workstation, or any other similar communication device. Although the user is allowed to terminate an interview session at any time, PFM provides continuous service to the user through the use of the knowledge base and the analytic engine. By providing the PFM with updated financial profile information, such as life events, the user is greatly advantaged by dynamic characteristics of the PFM in providing financial mentoring through continuous iterative service. |
