Goal Achievement Systems, Methods and Media

Abstract

Systems and methods for secure messaging and automation are disclosed herein. An example method includes providing a user-facing application secured through use of a security token cached on a web browser, establishing a security protocol or security token utilized between the application server layer and the web services layer that is different from the security token cached on the web browser; and performing asynchronous processing based on user interaction with a goal-based planning application that provides queries that are directed to assessing both risk willingness and goal ability, generates a risk willingness score and a goal ability score, selects a goal-based plan, and generating one or more instructions sets that are used to automatically reconfigure the plurality of user accounts to ensure that a goal is met within a specified time frame.

What is claimed is: 
     
         1 . A system, comprising:
 a data retention system and a predictive analytics system, the data retention system and the predictive analytics system both being in secure isolation from a remainder of a secure messaging system;   an application server layer that:
 provides a user-facing application that accesses the data retention system and the predictive analytics system; and 
 performs processing based on user interaction with a goal-based planning application that processes data from a plurality of user accounts, wherein the goal-based planning application is capable of generating one or more instructions sets that are used to automatically reconfigure the plurality of user accounts to ensure that a goal is met. 
   
     
     
         2 . The system of  claim 1 , further comprising the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application. 
     
     
         3 . The system of  claim 1 , further comprising the user-facing application displaying a graphical user interface, the graphical user interface rendering data at a granular level thereby remedying latency and improving user experiences with the user-facing application. 
     
     
         4 . The system of  claim 1 , further comprising the application server layer performs asynchronous processing. 
     
     
         5 . The system of  claim 1 , further comprising the application server layer generating one or more instruction sets that are used to automatically reconfigure the plurality of user accounts to ensure that a goal is met within a specified time frame. 
     
     
         6 . A method, comprising:
 providing, by an application server layer, a user-facing application that accesses a data retention system and a predictive analytics system, wherein the data retention system and the predictive analytics system are both being in secure isolation from a remainder of a secure messaging system;   establishing, by the application server layer, a security protocol or security token; and   performing, by the application server layer, processing based on user interaction with a goal-based planning application that processes data from a plurality of user accounts, wherein the goal-based planning application is capable of generating one or more instructions sets that are used to automatically reconfigure the plurality of user accounts to ensure that a goal is met.   
     
     
         7 . The method of  claim 6 , further comprising the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application. 
     
     
         8 . The method of  claim 6 , further comprising the user-facing application displaying a graphical user interface, the graphical user interface rendering data at a granular level thereby remedying latency and improving user experiences with the user-facing application. 
     
     
         9 . The method of  claim 7 , further comprising the security protocol or the security token being different from the security token cached on the web browser. 
     
     
         10 . The method of  claim 6 , further comprising performing by the application server layer asynchronous processing. 
     
     
         11 . The method of  claim 6 , further comprising generating one or more instruction sets that are used to automatically reconfigure the plurality of user accounts to ensure that a goal is met within a specified time frame. 
     
     
         12 . The method according to  claim 6 , further comprising selecting a goal-based plan based on consulting one or more matrices that comprise nodes corresponding to permutations of risk willingness scores and goal ability scores. 
     
     
         13 . The method according to  claim 12 , wherein each of the nodes is associated with a specific goal-based plan that comprises at least a ratio of stocks and bonds. 
     
     
         14 . The method according to  claim 13 , further comprising selectively adjusting the ratio of stocks and bonds as an end of a specified time frame approaches. 
     
     
         15 . The method according to  claim 12 , wherein each of the risk willingness scores and the goal ability scores are weighted. 
     
     
         16 . The method according to  claim 15 , further comprising fine-tuning an investment portfolio based on the plurality of user accounts. 
     
     
         17 . The method according to  claim 16 , further comprising performing deep analytics on the plurality of user accounts and a plurality of anonymized accounts to create a goal-based plan for the user. 
     
     
         18 . The method according to  claim 17 , further comprising:
 analyzing the plurality of user accounts to determine if the plurality of user accounts are compliant with the goal-based plan; and   automatically generating trade requests to be executed by one or more third party services based on deviations determined during analysis that indicate that the plurality of user accounts are not compliant with the goal-based plan.   
     
     
         19 . The method according to  claim 18 , further comprising suggesting digital content for the user based on the deep analytics of the plurality of user accounts and the goal-based plan. 
     
     
         20 . The method according to  claim 6 , further comprising the security protocol or security token utilized between the application server layer and a web services layer. 
     
     
         21 . A secure messaging system, comprising:
 a data retention system and a predictive analytics system, the data retention system and the predictive analytics system both being in secure isolation from a remainder of a secure messaging system;   an application server layer that:
 provides a user-facing application that accesses the data retention system and the predictive analytics system; and 
 performs processing based on user interaction with a goal-based planning application that processes data from a plurality of user accounts, wherein the goal-based planning application is capable of generating one or more instructions sets that are used to automatically reconfigure the plurality of user accounts to ensure that a goal is met.