公开(公告)号：US08433634B1

公开(公告)日：2013-04-30

申请号：US12434334

申请日：2009-05-01

申请人： James C. Templeman ,  Matthew Sharpe ,  Kristi Leighton ,  Paul Haley ,  Geoffrey S. Stiff ,  William S. White

发明人： James C. Templeman ,  Matthew Sharpe ,  Kristi Leighton ,  Paul Haley ,  Geoffrey S. Stiff ,  William S. White

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q20/10 ,  G06Q40/02

摘要： A computer implemented method and system that implements a benefit product that provides a guaranteed income amount for a participant, the benefit product generates the guaranteed income amount by participating in a plurality of guaranteed income products (GI products). The system may comprise: (1) an income aggregator portion; (2) a savings recordkeeper portion that maintains an investment account associated with the benefit product, the investment account into which the payments to the benefit product pass; and (3) at least one income recordkeeper portion, each income recordkeeper portion administering one or more GI products, each income recordkeeper portion: determining, based on an attributable allocation to a particular GI product, a guaranteed income associated with such particular GI product, each guaranteed income being an amount, attributable to the particular GI product, that is payable to a participant. The income aggregator performs allocation processing, the allocation processing being performed based on funds transfer data, the funds transfer data including (1) first funds transfer data that reflects activity of the investment account and benefit product associated therewith, and (2) second funds transfer data that reflects activity of a respective GI product.

公开(公告)号：US08370242B2

公开(公告)日：2013-02-05

申请号：US11065441

申请日：2005-02-25

申请人： Geoffrey S. Stiff ,  David E. Thomas ,  John C. Eza ,  Vickey L. Root

发明人： Geoffrey S. Stiff ,  David E. Thomas ,  John C. Eza ,  Vickey L. Root

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q10/1057 ,  G06Q20/10 ,  G06Q40/02 ,  G06Q40/06

摘要： The invention provides systems, and methods of using the systems, for implementing a benefit product with a guaranteed minimum income. Payment into the benefit product secures the guaranteed minimum income for a payout phase following an accumulation phase of the benefit product. The system comprises an income recordkeeper interfacing with a plurality of savings recordkeepers. The income recordkeeper includes (1) an income recordkeeper interface portion that inputs attributes to the benefit product funded by payments from a plan associated with the benefit product; and (2) an income recordkeeper record keeping system that implements the benefit product. The income recordkeeper record keeping system: (a) monitors transactions to or from the benefit product; and (b) determines, based on the transactions, a guaranteed minimum income associated with participation in the benefit product, the guaranteed minimum income being an amount that may be paid from the benefit product beginning on a future start date.

摘要翻译： 本发明提供了使用这些系统的系统和方法，用于实现具有保证的最低收入的益处产品。 在利益产品的积累阶段之后支付福利产品的担保确保支付阶段的保证最低收入。 该系统包括与多个储蓄记录器接口的收入记录管理器。 收入记录员包括（1）收入记录管理员接口部分，其输入属于由与益处产品有关的计划的支付资助的利益产品的属性; 和（2）实行利益产品的收入记录员记录保存系统。 收入记录员记录保存系统：（a）监督与益处产品的交易; 和（b）根据交易确定与参与福利产品相关的保证最低收入，保证最低收入是从未来开始日期开始的福利产品可能支付的金额。

公开(公告)号：US08412545B2

公开(公告)日：2013-04-02

申请号：US10940995

申请日：2004-09-15

申请人： Geoffrey S. Stiff ,  Holly R. Snyder ,  Joel A. Prough ,  Brian E. Springer

发明人： Geoffrey S. Stiff ,  Holly R. Snyder ,  Joel A. Prough ,  Brian E. Springer

IPC分类号： G06Q40/00 ,  G06Q10/00

CPC分类号： G06Q40/06 ,  G06Q40/00 ,  G06Q40/02

摘要： The present invention provides a method for providing an annuity structure and a system for processing an annuity structure. The annuity structure may include a base portion segment, where the base portion segment is a functional annuity having a first annuity schedule; and a secondary portion segment, where the secondary portion segment is a functional annuity having a second annuity schedule. In the invention, the base portion segment and the secondary portion segment each operate as its own annuity. Also, the base portion segment and the secondary portion segment are each included in a single contract, i.e., under the umbrella of one contract.

摘要翻译： 本发明提供一种提供年金结构的方法和一种用于处理年金结构的系统。 年金结构可以包括基本部分段，其中基本部分段是具有第一年金计划的功能年金; 和次级部分段，其中次级部分段是具有第二年金计划的功能年金。 在本发明中，基部段和次部分段各自作为其自身的年金进行操作。 此外，基部部分和次要部分段各自包括在单一合同中，即在一个合同的保护下。

公开(公告)号：US08612263B1

公开(公告)日：2013-12-17

申请号：US12339822

申请日：2008-12-19

申请人： Landis W. Atkinson, III ,  Kevin G. Smith ,  Geoffrey S. Stiff

发明人： Landis W. Atkinson, III ,  Kevin G. Smith ,  Geoffrey S. Stiff

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08

摘要： A method and system for performing a cash value adjustment to a life insurance policy issued by an insurer and owned by a policy owner, the method performed by a computer processing system. The method may include (1) inputting parameters of a life insurance policy, the parameters including controlling parameters, and the controlling parameters including: (i) a constraint dictated parameter of the life insurance policy; and (ii) a driven parameter of the life insurance policy. The method may further include analyzing the relationship between the constraint dictated parameter and the driven parameter; and performing a re-underwriting of the life insurance policy using the parameters of the life insurance policy and a set of re-underwriting criteria. The method may further include generating re-underwritten policy data to constitute a re-underwritten policy. The method may include providing an annuity.

摘要翻译： 一种用于执行由保险人发布并由保单所有者拥有的人寿保险单的现金价值调整的方法和系统，该计算机处理系统执行的方法。 该方法可以包括（1）输入人寿保险单的参数，包括控制参数的参数和控制参数，包括：（i）人寿保险单的约束规定参数; 和（ii）人寿保险政策的推动参数。 该方法还可以包括分析约束规定参数与被驱动参数之间的关系; 并使用人寿保险单的参数和一套再承保准则对人寿保险进行重新承保。 该方法还可以包括生成重新承保的策略数据以构成重新承保的策略。 该方法可以包括提供年金。