Robert P Morales

Author:

Robert Morales

ISBN #:

0785110720

Author:

Robert Morales

ISBN #:

0785113967

Address:

16605 Hunting Vly St, San Antonio, TX 78247

VIN:

2G1WC58R879244232

Make:

CHEVROLET

Model:

IMPALA

Year:

2007

Address:

5934 Moon Dance St, San Antonio, TX 78238

VIN:

1FAFP53U97A193020

Make:

FORD

Model:

TAURUS

Year:

2007

US Patent:

7895102, Feb 22, 2011

Filed:

Feb 29, 2008

Appl. No.:

12/040082

Inventors:

Bruce Wesley Wilks - San Antonio TX, US
Robert Morales - Helotes TX, US
Rennie Garcia - Helotes TX, US
Robert Anthony Pacheco - San Antonio TX, US

Assignee:

United Services Automobile Association (USAA) - San Antonio TX

International Classification:

G06Q 40/00

US Classification:

705 35, 705 36 R, 434107, 434362, 235379, 715760

Abstract:

A comprehensive set of data pertaining to a user is gathered from various sources and analyzed. A financial plan is generated and provided to the user. The user may set financial goals and monitor progress towards achieving the goals, and may set and monitor probabilities of success of achieving the goals. The financial plan may take into account the financial goals and probabilities of success, and may be revised to reflect changes in the financial goals and probabilities of success. In an implementation, a user may be provided with information pertaining to how their finances, financial plan, goals, and probabilities of success compare to a selected population group.

US Patent:

8620785, Dec 31, 2013

Filed:

Feb 28, 2008

Appl. No.:

12/039327

Inventors:

Bruce Wesley Wilks - San Antonio TX, US
Robert D. Morales - Helotes TX, US
Rennie Garcia - Helotes TX, US
Robert Anthony Pacheco - San Antonio TX, US

Assignee:

United Services Automobile Association (USAA) - San Antonio TX

International Classification:

G06Q 40/00

US Classification:

705 35, 705 36 R, 705 45, 705 30, 705 38, 705 11

Abstract:

Aggregation processes and systems acquire user data from many internal and external sources, such as a host financial institution, external institutions, and publicly available websites and databases. The data aggregation may be used to pre-populate the fields in a questionnaire that would otherwise have to be manually populated by the user. A financial plan based on the data is generated and provided to the user. After presenting the financial plan to the user, additional information may be requested from the user. After the additional information is received, the financial plan may be revised and provided to the user.

US Patent:

8635132, Jan 21, 2014

Filed:

Apr 14, 2008

Appl. No.:

12/102108

Inventors:

Bruce Wesley Wilks - San Antonio TX, US
Robert Morales - Helotes TX, US
Rennie Garcia - Helotes TX, US
Robert Anthony Pacheco - San Antonio TX, US

Assignee:

United Services Automobile Associatiion (USAA) - San Antonio TX

International Classification:

G06Q 40/00

US Classification:

705 35, 709224

Abstract:

A user may obtain self-service financial planning. A comprehensive set of data pertaining to a user is gathered from various sources and analyzed to generate a financial plan. A user may be presented with various financial scenarios based on information provided by the user. The user may perform “what if” analyses to determine prospective financial plans and results based on hypothetical information that the user may provide. A user may be provided with a financial plan and the user may see how the plan changes under various risk tolerances and life event scenarios.