Abrégé

Artificially intelligent systems and methods for financial coaching provide personalized, fiduciary-compliant financial guidance through advanced machine learning architectures with measurable performance criteria. The systems implement privacy-preserving processing pipelines that detect personally identifiable information using multi-layered pattern recognition including regular expressions for formatted data sequences, named entity recognition with confidence thresholds above 0.85, and contextual analysis algorithms. A multi-step artificial intelligence processing workflow includes automated language detection, emotional tone classification with confidence scoring, financial profile transformation using predefined templates, context-aware question rephrasing, and semantic similarity matching employing vector embeddings with financial domain vocabulary weighting applying multiplier values between 1.3-2.0. Specialized training methodologies expand datasets through mathematical transformation functions utilizing statistical standard deviations with incremental variations between 0.5-2.0. Mood-based escalation logic automatically transfers users to human advisors when emotional indicators exceed confidence thresholds above 0.8. The systems maintain response times below 5 seconds while providing regulatory compliance through curated content sources and predefined fiduciary instruction parameters.

Classes IPC  ?

• G06Q 40/06 - Gestion de biensPlanification ou analyse financières
• G06F 16/3329 - Formulation de requêtes en langage naturel
• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• G06F 40/295 - Reconnaissance de noms propres
• G06F 40/30 - Analyse sémantique
• G06N 20/00 - Apprentissage automatique
• G10L 15/18 - Classement ou recherche de la parole utilisant une modélisation du langage naturel

Abrégé

Artificially intelligent systems and methods for financial coaching provide personalized, fiduciary-compliant financial guidance through advanced machine learning architectures with measurable performance criteria. The systems implement privacy-preserving processing pipelines that detect personally identifiable information using multi-layered pattern recognition including regular expressions for formatted data sequences, named entity recognition with confidence thresholds above 0.85, and contextual analysis algorithms. A multi-step artificial intelligence processing workflow includes automated language detection, emotional tone classification with confidence scoring, financial profile transformation using predefined templates, context-aware question rephrasing, and semantic similarity matching employing vector embeddings with financial domain vocabulary weighting applying multiplier values between 1.3-2.0. Specialized training methodologies expand datasets through mathematical transformation functions utilizing statistical standard deviations with incremental variations between 0.5-2.0. Mood-based escalation logic automatically transfers users to human advisors when emotional indicators exceed confidence thresholds above 0.8. The systems maintain response times below 5 seconds while providing regulatory compliance through curated content sources and predefined fiduciary instruction parameters.

Classes IPC  ?

• G06Q 40/06 - Gestion de biensPlanification ou analyse financières
• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• G10L 25/63 - Techniques d'analyse de la parole ou de la voix qui ne se limitent pas à un seul des groupes spécialement adaptées pour un usage particulier pour comparaison ou différentiation pour estimer un état émotionnel

Abrégé

Systems and methods for secure messaging and automation are disclosed herein. An example method includes providing, by an application server layer, a user-facing application that accesses a data retention system and a predictive analytics system through a web services layer, the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application, 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 processes data from a plurality of user accounts.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité
• G06F 16/957 - Optimisation de la navigation, p. ex. mise en cache ou distillation de contenus
• G06N 7/01 - Modèles graphiques probabilistes, p. ex. réseaux probabilistes
• G06Q 40/04 - TransactionsOpérations boursières, p. ex. actions, marchandises, produits dérivés ou change de devises
• H04L 67/02 - Protocoles basés sur la technologie du Web, p. ex. protocole de transfert hypertexte [HTTP]
• H04L 67/289 - Traitement intermédiaire fonctionnellement situé à proximité de l'application consommatrice de données, p. ex. dans la même machine, dans le même domicile ou dans le même sous-réseau
• H04L 67/306 - Profils des utilisateurs

Abrégé

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.

Classes IPC  ?

• G06Q 40/06 - Gestion de biensPlanification ou analyse financières
• H04L 67/02 - Protocoles basés sur la technologie du Web, p. ex. protocole de transfert hypertexte [HTTP]
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 43/18 - Analyseurs de protocole
• H04L 67/306 - Profils des utilisateurs
• G06F 16/957 - Optimisation de la navigation, p. ex. mise en cache ou distillation de contenus
• G06Q 40/00 - FinanceAssuranceStratégies fiscalesTraitement des impôts sur les sociétés ou sur le revenu
• H04L 67/50 - Services réseau

Abrégé

Systems and methods for secure messaging and automation are disclosed herein. An example method includes providing, by an application server layer, a user-facing application that accesses a data retention system and a predictive analytics system through a web services layer, the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application, 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 processes data from a plurality of user accounts.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité
• G06F 16/957 - Optimisation de la navigation, p. ex. mise en cache ou distillation de contenus
• G06N 7/01 - Modèles graphiques probabilistes, p. ex. réseaux probabilistes
• G06Q 40/04 - TransactionsOpérations boursières, p. ex. actions, marchandises, produits dérivés ou change de devises
• H04L 67/02 - Protocoles basés sur la technologie du Web, p. ex. protocole de transfert hypertexte [HTTP]
• H04L 67/289 - Traitement intermédiaire fonctionnellement situé à proximité de l'application consommatrice de données, p. ex. dans la même machine, dans le même domicile ou dans le même sous-réseau
• H04L 67/306 - Profils des utilisateurs

Abrégé

Systems and methods for secure messaging and automation are disclosed herein. An example method includes providing, by an application server layer, a user-facing application that accesses a data retention system and a predictive analytics system through a web services layer, the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application, 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 processes data from a plurality of user accounts.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité
• G06N 7/00 - Agencements informatiques fondés sur des modèles mathématiques spécifiques
• G06Q 40/04 - TransactionsOpérations boursières, p. ex. actions, marchandises, produits dérivés ou change de devises
• H04L 67/02 - Protocoles basés sur la technologie du Web, p. ex. protocole de transfert hypertexte [HTTP]
• G06F 16/957 - Optimisation de la navigation, p. ex. mise en cache ou distillation de contenus
• H04L 67/289 - Traitement intermédiaire fonctionnellement situé à proximité de l'application consommatrice de données, p. ex. dans la même machine, dans le même domicile ou dans le même sous-réseau
• H04L 67/306 - Profils des utilisateurs

Abrégé

Systems and methods for secure messaging and automation are disclosed herein. An example method includes providing, by an application server layer, a user-facing application that accesses a data retention system and a predictive analytics system through a web services layer, the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application, 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 processes data from a plurality of user accounts.

Classes IPC  ?

• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
• G06N 7/00 - Agencements informatiques fondés sur des modèles mathématiques spécifiques
• G06Q 40/04 - TransactionsOpérations boursières, p. ex. actions, marchandises, produits dérivés ou change de devises
• H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
• G06F 16/957 - Optimisation de la navigation, p. ex. mise en cache ou distillation de contenus

Abrégé

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.

Classes IPC  ?

• G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
• G06Q 40/06 - Gestion de biensPlanification ou analyse financières
• H04L 67/02 - Protocoles basés sur la technologie du Web, p. ex. protocole de transfert hypertexte [HTTP]
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 43/18 - Analyseurs de protocole
• H04L 67/306 - Profils des utilisateurs
• G06F 16/957 - Optimisation de la navigation, p. ex. mise en cache ou distillation de contenus
• G06Q 40/00 - FinanceAssuranceStratégies fiscalesTraitement des impôts sur les sociétés ou sur le revenu
• H04L 67/50 - Services réseau

Abrégé

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.

Classes IPC  ?

• G06Q 40/00 - FinanceAssuranceStratégies fiscalesTraitement des impôts sur les sociétés ou sur le revenu
• G06Q 40/06 - Gestion de biensPlanification ou analyse financières
• H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
• H04L 12/26 - Dispositions de surveillance; Dispositions de test
• G06F 16/957 - Optimisation de la navigation, p. ex. mise en cache ou distillation de contenus
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

Systems and methods for secure messaging and automation are disclosed herein. An example method includes providing, by an application server layer, a user-facing application that accesses a data retention system and a predictive analytics system through a web services layer, the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application, 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 processes data from a plurality of user accounts.

Classes IPC  ?

• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
• G06N 7/00 - Agencements informatiques fondés sur des modèles mathématiques spécifiques
• G06Q 40/04 - TransactionsOpérations boursières, p. ex. actions, marchandises, produits dérivés ou change de devises
• H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
• G06F 16/957 - Optimisation de la navigation, p. ex. mise en cache ou distillation de contenus

Abrégé

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.

Classes IPC  ?

• G06Q 40/06 - Gestion de biensPlanification ou analyse financières
• H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 12/26 - Dispositions de surveillance; Dispositions de test
• G06F 16/957 - Optimisation de la navigation, p. ex. mise en cache ou distillation de contenus
• G06Q 40/00 - FinanceAssuranceStratégies fiscalesTraitement des impôts sur les sociétés ou sur le revenu

Abrégé

Systems and methods for secure messaging and automation are disclosed herein. An example method includes providing, by an application server layer, a user-facing application that accesses a data retention system and a predictive analytics system through a web services layer, the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application, 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 processes data from a plurality of user accounts.

Classes IPC  ?

• G06F 9/455 - ÉmulationInterprétationSimulation de logiciel, p. ex. virtualisation ou émulation des moteurs d’exécution d’applications ou de systèmes d’exploitation
• G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée
• G06F 21/55 - Détection d’intrusion locale ou mise en œuvre de contre-mesures
• G06Q 40/06 - Gestion de biensPlanification ou analyse financières
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

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.

Classes IPC  ?

• G06F 21/57 - Certification ou préservation de plates-formes informatiques fiables, p. ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité
• G06F 7/04 - Contrôle d'égalité, c.-à-d. pour valeurs égales ou non
• G06F 15/16 - Associations de plusieurs calculateurs numériques comportant chacun au moins une unité arithmétique, une unité programme et un registre, p. ex. pour le traitement simultané de plusieurs programmes

Produits et services

Provision of financial information in the fields of financial planning, [ portfolio management, ] wealth management, financial advisory services, retirement planning, tax planning, investing, [ investment management, ] charitable giving [ , brokerage accounts, and trading in financial vehicles ] ; providing a website featuring information, namely, digital content in the nature of documents, articles and informational resource tools in the fields of financial planning, [ portfolio management, ] wealth management, financial advisory services, retirement planning, tax planning, investing, [ investment management, ] charitable giving [ , brokerage accounts, and trading in financial vehicles ] ; financial services, namely, financial advice, [ investment management, ] financial planning, and financial consultancy; investment advisory services Software as a service (SAAS) services featuring software for creating financial plans, [ executing securities trades, ] and managing asset allocations in the fields of financial planning, [ portfolio management, ] wealth management, financial advisory services, retirement planning, investing, [ investment management, ] charitable giving [ , brokerage accounts, and trading in securities and other financial investment vehicles ] ; providing temporary use of online non-downloadable software for creating financial plans, [ executing securities trades, ] and managing asset allocations in the fields of financial planning, [ portfolio management, ] wealth management, financial advisory services, retirement planning, investing, [ investment management, ] charitable giving [ , brokerage accounts, and trading in financial vehicles ] ; providing temporary use of non-downloadable cloud-based software for creating financial plans, [ executing securities trades, ] and managing asset allocations in the fields of wealth creation and wealth management; providing temporary use of non-downloadable cloud-based software for educating investors and clients in the field finance; providing temporary use of non-downloadable cloud-based software for enabling users to sign and execute documents

Produits et services

Computer application software for mobile devices, namely, software for enabling users to conduct investment research, perform investment computations, create financial plans, execute securities trades, manage asset allocations in the field of financial planning, portfolio management, wealth management, financial advisory services, retirement planning, investing, investment management, charitable giving, brokerage accounts, and trading in financial vehicles; computer application software for mobile devices, namely, software for collaborating with others users for purposes of providing financial advice and executing financial transactions; computer application software for mobile devices, namely, software for enabling users to sign and execute documents; downloadable audio, video and multimedia recordings, namely, webcasts and slideshows in the fields of financial planning, portfolio management, wealth management, financial advisory services, retirement planning, estates and trusts, life insurance, investing, investment management, charitable giving, brokerage accounts, and trading in financial vehicles providing a website featuring information, namely, digital content in the nature of video, in the fields of financial planning, portfolio management, wealth management, financial advisory services, retirement planning, estates and trusts, life insurance, investing, investment management, charitable giving, brokerage accounts, and trading in financial vehicles; provision of financial information in the fields of estates and trusts and life insurance; providing a website featuring information, namely, digital content in the nature of documents, articles and informational resource tools in the fields of estates and trusts and life insurance Educational services, namely, providing webcasts, online workshops, live workshops, and seminars in the fields of financial planning, portfolio management, wealth management, financial advisory services, retirement planning, estates and trusts, life insurance, investing, investment management, charitable giving, brokerage accounts, and trading in securities, and other financial investment vehicles; educational services, namely, classes and seminars in the fields of financial planning, portfolio management, wealth management, financial advisory services, retirement planning, estates and trusts, life insurance, investing, investment management, charitable giving, brokerage accounts, and trading in securities, and other financial investment vehicles providing temporary use of non-downloadable cloud-based software for retaining and working with financial advisors; providing temporary use of non-downloadable cloud-based software for use by Registered Investment Advisors and financial planners for working with clients and investors