Method and apparatus for analyzing financial data

Abstract

A system analyzes multiple financial accounts having a common account holder and identifies a particular attribute, such as interest rate, associated with each of the multiple financial accounts. The system then makes a determination regarding whether an adjustment of funds among the multiple financial accounts would benefit the account holder. If the adjustment of funds would benefit the account holder, then recommending the adjustment of funds to the account holder and offering to perform the recommended adjustment of funds. The system executes the adjustment of funds if the account holder accepts the offer to perform the recommended adjustment of funds.

1 . A financial management system, comprising:
 one or more memories that store computer-executable instructions; and   one or more processors configured to access the one or more memories, wherein at least one of the one or more processors is further configured to execute the computer-executable instructions to:   identify one or more asset accounts associated with a user and respective one or more assets held in each of the one or more asset accounts;   analyze the respective one or more assets held in each of the one or more asset accounts based at least in part on one or more logic rules;   determine that the respective one or more assets held in at least one of the one or more asset accounts should be adjusted;   provide a recommendation for the adjustment of the respective one or more assets held in the at least one of the one or more asset accounts to the user.   
     
     
         2 . The financial management system of  claim 1 , wherein the one or more asset accounts are one or more first asset accounts and the one or more processors are further configured to identify one or more second asset accounts. 
     
     
         3 . The financial management system of  claim 2 , wherein to determine that assets held in at least one of the one or more asset accounts should be adjusted further comprises determining that at least one or more assets are to be transferred to at least one of the one or more second asset accounts. 
     
     
         4 . The financial management system of  claim 3 , wherein the one or more processors are further configured to recommend that the user open the at least one of the one or more second asset account. 
     
     
         5 . The financial management system of  claim 1 , wherein to analyze the respective one or more assets held in each of the one or more asset accounts further comprises determining if expected earnings will be higher by adjusting the respective one or more assets held in at least one of the one or more asset accounts. 
     
     
         6 . The financial management system of  claim 1 , wherein to analyze the respective one or more assets held in each of the one or more asset accounts is further based at least in part on one or more interest rates associated with the at least one or more asset accounts. 
     
     
         7 . The financial management system of  claim 1 , wherein the one or more processors are further configured to:
 identify one or more debt accounts associated with a user and respective one or more debts held in each of the one or more debt accounts;   analyze the respective one or more debts held in each of the one or more debt accounts based at least in part on the one or more logic rules;   determine that the respective one or more debts held in at least one of the one or more debt accounts should be adjusted;   provide a recommendation for the adjustment of the respective one or more debts held in at least one of the one or more debt accounts to the user.   
     
     
         8 . The financial management system of  claim 7 , wherein to analyze the respective one or more debts held in each of the one or more debt accounts, the one or more processors are further configured to determine if expenses will be lower by adjusting the debts held in at least one of the one or more debt accounts. 
     
     
         9 . The financial management system of  claim 7 , wherein to provide a recommendation for the adjustment of the respective one or more debts held in the at least one of the one or more debt accounts, the one or more processors are further configured to generate a report indicating the recommendation. 
     
     
         10 . The financial management system of  claim 7 , wherein the recommendation indicates transferring assets from at least one of the one or more asset accounts to at least one of the one or more debt accounts. 
     
     
         11 . A method, comprising:
 identifying, by a financial management system comprising one or more processors, one or more asset accounts associated with a user and a respective one or more assets held in each of the one or more asset accounts;   analyzing, by the financial management system, the respective one or more assets held in each of the one or more asset accounts based at least in part on one or more logic rules;   determining, by the financial management system, that at least one of the respective one or more assets held in at least one of the one or more asset accounts should be adjusted;   providing, by the financial management system, a recommendation for the adjustment of the at least one of the respective one or more assets held in the at least one of the one or more asset accounts to the user.   
     
     
         12 . The method of  claim 11 , wherein determining that assets held in at least one of the one or more asset accounts should be adjusted further comprises determining that at least one or more assets are to be transferred to at least one of one or more second asset accounts. 
     
     
         13 . The method of  claim 11 , wherein analyzing the respective one or more assets held in each of the one or more asset accounts further comprises determining, by the financial management system, if expected earnings will be higher by adjusting the respective one or more assets held in at least one of the one or more asset accounts. 
     
     
         14 . The method of  claim 11 , further comprising executing, by the financial management system on behalf of the user, the recommendation. 
     
     
         15 . A financial management system, comprising:
 one or more memories that store computer-executable instructions; and   one or more processors configured to access the one or more memories, wherein at least one of the one or more processors is further configured to execute the computer-executable instructions to:   identify one or more debt accounts associated with a user and respective one or more debts held in each of the one or more debt accounts;   analyze the respective one or more debts held in each of the one or more debt accounts based at least in part on one or more logic rules;   determine that the respective one or more debts held in at least one of the one or more debt accounts should be adjusted;   provide a recommendation for the adjustment of the respective one or more debts held in the at least one of the one or more debt accounts to the user.   
     
     
         16 . The financial management system of  claim 15 , wherein to analyze the respective one or more debts held in each of the one or more debt accounts, the one or more processors are further configured to determine if expenses will be lower by adjusting the respective one or more debts held in at least one of the one or more debt accounts. 
     
     
         17 . The financial management system of  claim 15 , wherein to analyze the respective one or more debts held in each of the one or more debt accounts, is further based at least in part on one or more interest rates associated with the at least one or more debt accounts. 
     
     
         18 . The financial management system of  claim 15 , wherein the one or more logic rules are associated with at least one of: (i) a conservative approach; (ii) a moderate approach; or (iii) an aggressive approach. 
     
     
         19 . The financial management system of  claim 15 , wherein the one or more processors are further configured to execute, on behalf of the user, the recommendation. 
     
     
         20 . The financial management system of  claim 15 , wherein to determine that debts held in at least one of the one or more debt accounts should be adjusted further comprises determining that debts are to be transferred to at least one of one or more second debt accounts. 
     
     
         21 . The financial management system of  claim 20 , wherein the one or more processors are further configured to recommend that the user open the at least one of the one or more second debt account. 
     
     
         22 . The financial management system of  claim 15 , wherein the one or more processors are further configured to:
 identify one or more asset accounts associated with a user and respective one or more assets held in each of the one or more asset accounts;   analyze the respective one or more debts held in each of the one or more debt accounts based at least in part on the one or more logic rules;   determine that the respective one or more assets held in at least one of the one or more asset accounts should be adjusted;   provide a recommendation for the adjustment of the respective one or more assets held in at least one of the one or more asset accounts to the user.   
     
     
         23 . The financial management system of  claim 22 , wherein the recommendation indicates transferring assets from at least one of the one or more asset accounts to at least one of the one or more debt accounts. 
     
     
         24 . The financial management system of  claim 23 , wherein the indication is based at least in part on a predetermined cash level. 
     
     
         25 . A method, comprising:
 identifying, by a financial management system comprising one or more processors, one or more debt accounts associated with a user and respective one or more debts held in each of the one or more debt accounts;   analyzing, by the financial management system, the respective one or more debts held in each of the one or more debt accounts based at least in part on one or more logic rules;   determining, by the financial management system, that the respective one or more debts held in at least one of the one or more debt accounts should be adjusted;   providing, by the financial management system, a recommendation for the adjustment of the debts held in the at least one of the one or more debt accounts to the user.   
     
     
         26 . The method of  claim 25 , wherein analyzing the respective one or more debts held in each of the one or more debt accounts further comprises determining, by the financial management system, if expenses will be lower by adjusting the debts held in at least one of the one or more debt accounts. 
     
     
         27 . The method of  claim 25 , further comprising executing, by the financial management system on behalf of the user, the recommendation. 
     
     
         28 . The method of  claim 25 , wherein determining that debts held in at least one of the one or more debt accounts should be adjusted further comprises determining that debts are to be transferred to at least one of one or more second debt accounts. 
     
     
         29 . The method of  claim 28 , further comprising recommending that the user open the at least one of the one or more second debt account.