{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-9842371","patent":{"patent_number":"US-9842371","title":"Method and apparatus for creating a savings plan for a user","assignee":null,"inventors":[],"filing_date":"2014-06-19T00:00:00.000Z","publication_date":"2017-12-12T00:00:00.000Z","cpc_codes":["G06Q"],"num_claims":16,"abstract":"One embodiment of the present invention provides a system for creating a savings plan for a user. During operation, the system receives demographic data associated with the user. Next, the system determines average spending for pre-selected spending categories for a set of users with similar demographic data to the user. The system then receives financial data associated with the user. After that, the system analyzes the financial data to create a comparison of how spending by the user in the pre-selected categories compares to average spending for the set of users with similar demographic data. Finally, the system uses the comparison to facilitate a savings plan for the user."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Method and apparatus for creating a savings plan for a user","description":"One embodiment of the present invention provides a system for creating a savings plan for a user. During operation, the system receives demographic data associated with the user. Next, the system dete","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-9842371","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-9842371","citation_suggestion":"Patentable. \"Method and apparatus for creating a savings plan for a user\" (US-9842371). https://patentable.app/patents/US-9842371","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-9842371","json":"https://patentable.app/api/llm-context/US-9842371","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-06-06T06:38:54.078Z"}