公开(公告)号：US20100332365A1

公开(公告)日：2010-12-30

申请号：US12848510

申请日：2010-08-02

申请人： Robert Francis O'Donnell ,  Marc Joseph Buzzelli ,  Robert Alan Fishbein ,  Jacob M. Herschler ,  Fiona Alexandra Jackman-Ward ,  Daniel O. Kane ,  N. David Kuperstock ,  Gary E. Phifer, III ,  Steven Lee Putterman ,  Polly Rae ,  Dain Eric Runestad ,  Robert J. Schwartz ,  Christopher Patrick Shecklev

发明人： Robert Francis O'Donnell ,  Marc Joseph Buzzelli ,  Robert Alan Fishbein ,  Jacob M. Herschler ,  Fiona Alexandra Jackman-Ward ,  Daniel O. Kane ,  N. David Kuperstock ,  Gary E. Phifer, III ,  Steven Lee Putterman ,  Polly Rae ,  Dain Eric Runestad ,  Robert J. Schwartz ,  Christopher Patrick Shecklev

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q40/00

摘要： A method for providing a financial instrument includes determining an initial account balance associated with a financial instrument based upon an initial deposit amount, wherein the financial instrument includes an account with an account balance that changes over time. The method further includes establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum growth rate for a defined period of time or until one or more defined events occur, whichever is sooner; and establishing a second guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of a designated party, wherein the amount comprises a percentage of the protected value at the time of a particular event, provided that the amount may vary based upon withdrawals from the account in excess of a first particular limit.

摘要翻译： 提供金融工具的方法包括基于初始存款金额来确定与金融工具相关联的初始账户余额，其中金融工具包括具有随时间变化的账户余额的账户。 该方法还包括建立受保护价值的第一保证，所述受保护价值至少包括基于初始账户余额的金额，所述初始账户余额以规定的时间段内的最小增长率生长，或者直到一个或多个定义的事件发生，以 早点 并确定受益人可以定期在指定方的生命中接收一笔金额的转移的第二保证，其中所述金额包括在特定事件发生时受保护价值的百分比，条件是金额可能变化 基于超过第一特定限额的帐户提款。

公开(公告)号：US07831496B2

公开(公告)日：2010-11-09

申请号：US11404979

申请日：2006-04-14

申请人： Robert Francis O'Donnell ,  Marc Joseph Buzzelli ,  Robert Alan Fishbein ,  Jacob M. Herschler ,  Fiona Alexandra Jackman-Ward ,  Daniel O. Kane ,  N. David Kuperstock ,  Gary E. Phifer, III ,  Steven Lee Putterman ,  Polly Rae ,  Dain Eric Runestad ,  Robert J. Schwartz ,  Christopher Patrick Shecklev

发明人： Robert Francis O'Donnell ,  Marc Joseph Buzzelli ,  Robert Alan Fishbein ,  Jacob M. Herschler ,  Fiona Alexandra Jackman-Ward ,  Daniel O. Kane ,  N. David Kuperstock ,  Gary E. Phifer, III ,  Steven Lee Putterman ,  Polly Rae ,  Dain Eric Runestad ,  Robert J. Schwartz ,  Christopher Patrick Shecklev

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q40/00

摘要： A method for providing a financial instrument includes determining an initial account balance associated with a financial instrument based upon an initial deposit amount, wherein the financial instrument includes an account with an account balance that changes over time. The method further includes establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum growth rate for a defined period of time or until one or more defined events occur, whichever is sooner; and establishing a second guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of a designated party, wherein the amount comprises a percentage of the protected value at the time of a particular event, provided that the amount may vary based upon withdrawals from the account in excess of a first particular limit.

摘要翻译： 提供金融工具的方法包括基于初始存款金额来确定与金融工具相关联的初始账户余额，其中金融工具包括具有随时间变化的账户余额的账户。 该方法还包括建立受保护价值的第一保证，所述受保护价值至少包括基于初始账户余额的金额，所述初始账户余额以规定的时间段内的最小增长率生长，或者直到一个或多个定义的事件发生，以 早点 并确定受益人可以定期在指定方的生命中接收一笔金额的转移的第二保证，其中所述金额包括在特定事件发生时受保护价值的百分比，条件是金额可能变化 基于超过第一特定限额的帐户提款。