Interactive Financial Tool

Abstract

Discussed herein is an evaluation and scoring system that may be used to quickly assess and guide financial decisions, facilitate or create communities of interest, and assist in accessing markets and/or consumers that may not have been sufficiently considered before.

What is claimed: 
     
         1 . A method for incorporating an advertisement, the method comprising the steps of:
 analyzing, by a processor, data comprising financial data of an entity;   determining, by the processor, a first set of financial metrics based on the analysis of the data of the entity, the financial data comprising income of the entity, assets of the entity, and debt of the entity;   providing, by the processor, instruction to display a first financial health tool, the first financial health tool comprising a balance with a plurality of balance arms, wherein at least one balance arm of the plurality of balance arms represents at least one financial metric of the first set of financial metrics;   receiving, by the processor, an advertisement of a product that affects the first financial health tool when implemented;   determining, by the processor, an effect on the first financial health tool when the product is implemented; and   providing, by the processor, instructions to display the advertisement of the product and the determined effect of the product.   
     
     
         2 . The method of  claim 1 , wherein the determined effect is instructed to display as a number. 
     
     
         3 . The method of  claim 1 , wherein the determined effect is instructed to display as an alteration of the balance. 
     
     
         4 . The method of  claim 1 , wherein the financial data further comprises cash flow, expenses, or pay history. 
     
     
         5 . The method of  claim 1 , further comprising:
 determining, by the processor, an effect on the first financial health tool when an average marketplace product is implemented; and   providing, by the processor, instructions to display a comparison of the determined effect of the product of the advertisement and the average marketplace product.   
     
     
         6 . The method of  claim 1 , wherein the first financial health tool comprises a financial health score. 
     
     
         7 . The method of  claim 1 , wherein:
 the balance has an orientation and an attribute;   the orientation comprises an angle and a direction of a tilt of the balance;   the attribute comprises at least one of: a shape, a size, a color, a rate of rotation, and patterns of the balance;   the orientation changes by the angle and the direction of the tilt based on at least one financial metric from the set of financial metrics; and   the attribute changes based on the at least one financial metric from the set of financial metrics.   
     
     
         8 . A system comprising:
 a display device;   a processor communicatively connected with the display device;   a memory, communicatively connected with the processor, the memory having instructions that when executed by the processor cause the processor to:
 analyze data comprising financial data of an entity; 
 determine a first set of financial metrics based on the analysis of the data of the entity, the financial data comprising income of the entity, assets of the entity, and debt of the entity; 
 provide, to the display device, instructions to display a first financial health tool, the first financial health tool comprising a balance with a plurality of balance arms, wherein at least one balance arm of the plurality of balance arms represents at least one financial metric of the first set of financial metrics; 
 receive an advertisement of a product that affects the first financial health tool when implemented; 
 determine an effect on the first financial health tool when the product is implemented; and 
 provide, to the display device, instructions to display the advertisement of the product and the determined effect of the product. 
   
     
     
         9 . The system of  claim 8 , wherein the determined effect is instructed to display as a number. 
     
     
         10 . The system of  claim 8 , wherein the determined effect is instructed to display as an alteration of the balance. 
     
     
         11 . The system of  claim 8 , wherein the financial data further comprises cash flow, expenses, or pay history. 
     
     
         12 . The system of  claim 8 , the instructions, when executed, further cause the processor to:
 determine an effect on the first financial health tool when an average marketplace product is implemented; and   provide, to the display device, instructions to display a comparison of the determined effect of the product of the advertisement and the average marketplace product.   
     
     
         13 . The system of  claim 8 , wherein the first financial health tool comprises a financial health score. 
     
     
         14 . The system of  claim 8 , wherein:
 the balance has an orientation and an attribute;   the orientation comprises an angle and a direction of a tilt of the balance;   the attribute comprises at least one of: a shape, a size, a color, a rate of rotation, and patterns of the balance;   the orientation changes by the angle and the direction of the tilt based on at least one financial metric from the set of financial metrics; and   the attribute changes based on the at least one financial metric from the set of financial metrics.   
     
     
         15 . A computer readable storage medium comprising computer executable instructions that when executed by a computing device cause said computing device to perform the instructions comprising:
 analyzing data comprising financial data of an entity;   determining a first set of financial metrics based on the analysis of the data of the entity, the financial data comprising income of the entity, assets of the entity, and debt of the entity;   providing instruction to display a first financial health tool, the first financial health tool comprising a balance with a plurality of balance arms, wherein at least one balance arm of the plurality of balance arms represents at least one financial metric of the first set of financial metrics;   receiving an advertisement of a product that affects the first financial health tool when implemented;   determining an effect on the first financial health tool when the product is implemented; and   providing instructions to display the advertisement of the product and the determined effect of the product.   
     
     
         16 . The computer readable storage medium of  claim 15 , wherein the determined effect is instructed to display as a number. 
     
     
         17 . The computer readable storage medium of  claim 15 , wherein the determined effect is instructed to display as an alteration of the balance. 
     
     
         18 . The computer readable storage medium of  claim 15 , wherein the financial data further comprises cash flow, expenses, or pay history. 
     
     
         19 . The computer readable storage medium of  claim 15 , further instructions comprising:
 determining an effect on the first financial health tool when an average marketplace product is implemented; and   providing instructions to display a comparison of the determined effect of the product of the advertisement and the average marketplace product.   
     
     
         20 . The computer readable storage medium of  claim 15 , wherein the first financial health tool comprises a financial health score.