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1. 发明申请

US20100306095A1 METHOD FOR FINANCIAL FORECASTING 审中-公开
标题翻译：财务预测方法
公开(公告)号：US20100306095A1
公开(公告)日：2010-12-02
申请号：US12477041
申请日：2009-06-02
申请人： Gregory Olson , Robin Nillie Olson
发明人： Gregory Olson , Robin Nillie Olson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q10/04 , G06Q40/00
摘要： A method and system for financial allocation and forecasting for calculating daily, weekly, and monthly spending rates that can be used by a company or a person is disclosed, providing an over/under forecast variance. The forecast variance is converted to the number of days required to reduce all spending to zero to eliminate over spending. The method receives financial data either manually or by a program application and treats all transactions as cash equivalents. The method includes a plurality of program applications formulated to generate a plurality of forecasting parameters. A rate factor which is a subjective decision of the user is received from a range −3 to +3 to automatically calculate an under/over value variance. The invention utilizes Gregorian calendar that has a five week month occurring every three months to identify 7.7% savings of yearly income. Further, the method converts the irregular yearly and quarterly expenses into monthly amounts and put the expenses in savings. The method categorizes the spending into need which is essential and wants which is optional for the user. It integrates all financial decisions made within the invention into a forecast of today's cash balance.
摘要翻译：披露一种用于计算公司或个人可以使用的每日，每周和每月支出率的财务分配和预测的方法和系统，提供过度/不足预测的差异。预测差异被转换为将所有支出降至零以消除超支出所需的天数。该方法手动或程序应用接收财务数据，并将所有交易视为现金等价物。该方法包括制定用于生成多个预测参数的多个程序应用。从-3到+3的范围接收作为用户主观决定的速率因子，以自动计算欠/超值变化。本发明利用公历，每三个月发行一个为期五周的月历，以确定年收入的7.7％。此外，该方法将不定期的年度和季度费用转换为每月费用，并节省费用。该方法将支出分类为需要，这是必不可少的，并且对于用户是可选的。它将发明内的所有财务决策整合到今天的现金余额预测中。

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