A state detection system includes a processor and memory communicatively connected to the processor. The memory includes instructions for controlling the processor to obtain raw data of annuity products, write the raw data to a rules table of respective files communicatively connected to the processor, select one or more of the respective files corresponding to a request, build a vector comprised of the one or more respective files, each annuity product exhibited by the one or more respective files is a respective policy instance, calculate a respective cash value and a respective surrender value of each respective policy instance of the vector based on the raw data, calculate a projected cash value and a projected surrender value for each respective policy instance of the vector, and match the respective policy instance to the request based on the respective cash value, the respective surrender value, the projected respective cash value, and the projected respective surrender value, and calculate a duration for the respective policy instance so matched.

A method includes processing circuitry obtaining user inputs associated with an investment. The user inputs may indicate an investment period after which distribution of a realized return of the investment will begin, and a desired realized return for the investment at an end of the investment period. The method also includes obtaining one or more additional factors that affect the realized return of the investment from another system, and estimating a funding amount that the user must fund the investment with, before or during the investment period, to realize the desired realized return after the investment period based on the user inputs and the one or more additional factors.

This invention is a money convertible to agricultural products and a system to construct it. The agricultural products are stored in a storage facility, and their quantity and quality are controlled using a computer. Based on the storage data of the agricultural products, the money is issued and circulated. The amount of the agricultural products in storage always matches the amount of the money issued, which is controlled by computer. Transactions of the money or the conversion of the money to the agricultural products are matched by the computer and network. In addition, provide a system in which the quality of agricultural products deteriorates and depreciates over time, which is reflected in the money convertible to agricultural products, and in which the money depreciates, and/or in which the money has a time limit on its use.

A method, including receiving client information and data on a plurality of income-producing assets, generating a plurality of equity contracts and client risk factors based on the client information, retrieving equity of a first real estate property in response to execution of at least one of the plurality of equity contracts by a first external computing device, selecting and funding at least one of the plurality of income-producing assets with the equity based on the client risk factors, and deducting at least a portion of revenue from at least one of the plurality of income-producing assets as an interest payment.

A system and method that evaluate and monitor the financial wellness of a person that is a client of a bank, and provides a financial wellness score that is used to provide banking service recommendations that may act to increase the wellness score. The method includes providing a wearable device that the person wears and that monitors physical attributes of the person, collecting data and information as it is being received over time about the physical attributes of the person from the wearable device, processing the data and information as it is being received over time using a machine learning model, and determining a financial wellness score based on the processed data and information.

A method of facilitating trading non-negotiable financial assets includes receiving an issue data from at least one issuer device associated with at least one issuer, issuing a certificate of deposit based on the issue data, receiving a purchase request data from at least one investor device associated with at least one investor, identifying the CD based on the CD identifier, processing a transaction for the CD using one or more investor data, generating one or more transaction attributes associated with the transaction based on the processing, storing the one or more transaction attributes in a distributed ledger using a smart contract, and transmitting the CD to the at least one investor device.

A method and system for assessing the total cost of ownership (TCO) of computer software, applications, and hardware with an emphasis on integrated security and risk assessment at scale is provided. The methods and systems address the challenges faced by organizations, especially those with limited resources, in understanding the full costs and responsibilities associated with IT procurement and management, proposing a structured approach to facilitate informed decision-making and vendor comparison.

A method and system for merging heterogeneous data types are provided. The method includes receiving a first corpus of first data, the first data includes an indicator of an interaction between a first element of the first corpus of first data and a second element of the first corpus of first data, receiving a second corpus of second data, the second data includes an indication of an interaction between a third element of the second corpus of second data and a fourth element of the second corpus of data, and generating a third matrix using correlations of the first and second elements with correlations of the third and fourth elements.

A system and method for managing financial data using a context-aware data framework for real-time capital control are disclosed. The method includes receiving, at a plurality of distributed processing nodes (106a, 106b, 106c . . . 106n), a plurality of financial transaction data streams from a plurality of distributed data sources (104a, 104b, 104c . . . 104n). The method includes generating the context-aware data framework. The method includes detecting one or more variations in one or more transaction context, assessed risk exposure, and capital flow conditions. The method includes updating one or more database states. The method includes executing one or more real-time capital control operations within the context-aware data framework. The method includes replicating, execution of the one or more real-time capital control operations, the updated one or more database states across the plurality of distributed processing nodes. The method includes generating one or more immutable contextual log records within the context-aware data framework.