公开(公告)号：US20120036087A1

公开(公告)日：2012-02-09

申请号：US12853159

申请日：2010-08-09

申请人： Stephen R. Wolfrath ,  Tamara L. Pollock ,  Gumer Cruz Alvero ,  Douglas Dunning ,  Sara Janz ,  Lynn Murphy Abbott ,  Joseph P. Heckel ,  Debra Miller Ekberg

发明人： Stephen R. Wolfrath ,  Tamara L. Pollock ,  Gumer Cruz Alvero ,  Douglas Dunning ,  Sara Janz ,  Lynn Murphy Abbott ,  Joseph P. Heckel ,  Debra Miller Ekberg

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q40/06

摘要： A method includes receiving market data associated with an investment product that specifies a first guaranteed annual withdrawal amount and a second guaranteed annual withdrawal amount, where the first guaranteed annual withdrawal amount is greater than the second guaranteed annual withdrawal amount. The method includes automatically selecting a guaranteed annual withdrawal amount from the first guaranteed annual withdrawal amount and the second guaranteed annual withdrawal amount based on at least an evaluation of the market data.

摘要翻译： 一种方法包括接收与指定第一保证年度提取量和第二担保年度提取金额的投资产品相关联的市场数据，其中第一保证年度提取金额大于第二担保年度提取金额。 该方法包括至少基于市场数据的评估，自动从第一担保年度提取金额和第二保证年度提取金额中自动选择担保年度提取金额。

公开(公告)号：US20060111997A1

公开(公告)日：2006-05-25

申请号：US11163842

申请日：2005-11-01

申请人： Lynn Abbott ,  Douglas Dunning ,  Joseph Heckel ,  D. Keith Pinkley ,  Alan Treece

发明人： Lynn Abbott ,  Douglas Dunning ,  Joseph Heckel ,  D. Keith Pinkley ,  Alan Treece

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q40/00 ,  G06Q40/06 ,  G06Q40/10

摘要： A computer-implemented method of calculating a value of a benefit for an annuity contract including a minimum contract accumulation value provision is disclosed. The method includes determining a current minimum contract accumulation value, determining a current value of the annuity contract investments, determining a predetermined reset percentage contained in the annuity contract, calculating the product of the current value of the annuity contract investments and the reset percentage and a fifth step of resetting the minimum contract accumulation value to the greater of the minimum contract accumulation value or the product of the current value of the annuity contract investments and the reset percentage.

摘要翻译： 公开了一种计算机实现的计算年金合同利益价值的方法，包括最低合同累计值准备。 该方法包括确定当前最低合约累计值，确定年金合同投资的当前价值，确定年金合同中包含的预定重置百分比，计算年金合同投资的当前价值和复位百分比的乘积，以及 将最低合同累积值重置为最小合同累计值的较大者或年金合同投资的当期价值与复位百分比的乘积的第五步。

公开(公告)号：US08352294B2

公开(公告)日：2013-01-08

申请号：US12853159

申请日：2010-08-09

申请人： Stephen R. Wolfrath ,  Tamara L. Pollock ,  Gumer Cruz Alvero ,  Douglas Dunning ,  Sara Janz ,  Lynn Murphy Abbott ,  Joseph P. Heckel ,  Debra Miller Ekberg

发明人： Stephen R. Wolfrath ,  Tamara L. Pollock ,  Gumer Cruz Alvero ,  Douglas Dunning ,  Sara Janz ,  Lynn Murphy Abbott ,  Joseph P. Heckel ,  Debra Miller Ekberg

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q40/06

摘要： A method includes receiving market data associated with an investment product that specifies a first guaranteed annual withdrawal amount and a second guaranteed annual withdrawal amount, where the first guaranteed annual withdrawal amount is greater than the second guaranteed annual withdrawal amount. The method includes automatically selecting a guaranteed annual withdrawal amount from the first guaranteed annual withdrawal amount and the second guaranteed annual withdrawal amount based on at least an evaluation of the market data.

摘要翻译： 一种方法包括接收与指定第一保证年度提取量和第二担保年度提取金额的投资产品相关联的市场数据，其中第一保证年度提取金额大于第二担保年度提取金额。 该方法包括至少基于市场数据的评估，自动从第一担保年度提取金额和第二保证年度提取金额中自动选择担保年度提取金额。

公开(公告)号：US20090150301A1

公开(公告)日：2009-06-11

申请号：US12329594

申请日：2008-12-07

申请人： Lynn Abbott ,  Gumer Alvero ,  Daniel Brooks ,  Douglas Dunning ,  Kerry Kennedy ,  William Kocken ,  Tamara Pollock ,  Stephen Wolfrath

发明人： Lynn Abbott ,  Gumer Alvero ,  Daniel Brooks ,  Douglas Dunning ,  Kerry Kennedy ,  William Kocken ,  Tamara Pollock ,  Stephen Wolfrath

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q40/04 ,  G06Q40/06

摘要： Automated methods for managing risk associated with investment products is disclosed. A logic engine executes portfolio realignment and contract benefit calculations according to timing rules or event-based triggers. The investment product may provide a guaranteed withdrawal benefit option that allows for a variety of investment, payment, withdrawal, fee and termination options.

摘要翻译： 披露了投资产品风险管理自动化方法。 逻辑引擎根据时间规则或基于事件的触发器执行投资组合重新调整和合同收益计算。 投资产品可以提供有保证的退出福利选项，允许各种投资，支付，提款，费用和终止选择。