US 20020019791A1
(19) United States
(12) Patent Application Publication (io) Pub. No.: US 2002/0019791 Al
Goss et al. (43) Pub. Date: Feb. 14,2002
(54) ELECTRONIC FINANCIAL SYSTEM
(76) Inventors: Benjamin Mark Goss, London (GB);
Paul Andrew Donohoe, Surrey (GB);
Victor Stephen, Surrey (GB)
Correspondence Address:
BANNER & WITCOFF
1001 G STREET N W
SUITE 1100
WASHINGTON, DC 20001 (US)
(21) Appl. No.: 09/804,476
(22) Filed: Mar. 13, 2001
(30) Foreign Application Priority Data
Mar. 13, 2000 (GB) 0006026.9
Publication Classification
(51) Int. CI.7 G06F 17/60
(52) U.S. C I 705/36
(57) ABSTRACT
An electronic system provides financial advice based on personal data and financial objectives entered by users, by means ol a rules engine. The rules engine detects whether the financial objectives match the personal data provided by the user and issues a challenge, or initiates a communication with a financial adviser, if they do not. The system stores general financial information and automatically provides updated financial advice to the user when the general financial information changes. The financial advice is in the form of a document compiled from text passages selected by matching predefined values to the user's personal data. The data and rules used to generate the financial advice are stored so as to be available for inspection, to demonstrate compliance with financial regulations.
