公开(公告)号：US07962394B2

公开(公告)日：2011-06-14

申请号：US12637697

申请日：2009-12-14

申请人： Gerald C. Wagner

发明人： Gerald C. Wagner

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/06

摘要： Computer-based systems and methods are described for generating personalized, automated contribution strategies for scheduling contributions to a retirement savings plan or other savings plan. Embodiments of the systems and methods provide visual and other educational displays to assist a client in choosing a suitable savings contribution strategy that may take into account at least one of the set consisting of: details of an employer-sponsored savings fund available to the client which may include opportunities for employer matching-funds, acceptable portion of standard-of-living increases derived from salary raises that the client is willing to contribute to a savings plan, client's current savings behavior and value of savings portfolio, effects of the stochastic nature of future investment portfolio value, and changing federal tax regulations. Clients may use the systems for educational and planning purposes and/or may authorize automated triggering of contributions with scheduled increases and/or decreases as specified by the selected plan.

摘要翻译： 描述了基于计算机的系统和方法，用于生成用于安排对退休储蓄计划或其他储蓄计划的贡献的个性化的自动化贡献策略。 系统和方法的实施例提供视觉和其他教育显示，以帮助客户选择合适的储蓄贡献策略，其可以考虑到以下组中的至少一个集合：由雇主提供的可用于客户的储蓄基金的细节 可能包括雇主配对资金的机会，客户愿意为储蓄计划做出贡献的薪资提高的可接受的生活标准增长部分，客户当前的储蓄行为和储蓄组合的价值，随机性的影响 未来投资组合价值，以及不断变化的联邦税收法规。 客户可以将该系统用于教育和规划目的，和/或可以授权自动触发由所选计划规定的预定增加和/或减少的贡献。

公开(公告)号：US20100094778A1

公开(公告)日：2010-04-15

申请号：US12637697

申请日：2009-12-14

申请人： Gerald C. Wagner

发明人： Gerald C. Wagner

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/06

摘要： Computer-based systems and methods are described for generating personalized, automated contribution strategies for scheduling contributions to a retirement savings plan or other savings plan. Embodiments of the systems and methods provide visual and other educational displays to assist a client in choosing a suitable savings contribution strategy that may take into account at least one of the set consisting of: details of an employer-sponsored savings fund available to the client which may include opportunities for employer matching-funds, acceptable portion of standard-of-living increases derived from salary raises that the client is willing to contribute to a savings plan, client's current savings behavior and value of savings portfolio, effects of the stochastic nature of future investment portfolio value, and changing federal tax regulations. Clients may use the systems for educational and planning purposes and/or may authorize automated triggering of contributions with scheduled increases and/or decreases as specified by the selected plan.

摘要翻译： 描述了基于计算机的系统和方法，用于生成用于安排对退休储蓄计划或其他储蓄计划的贡献的个性化的自动化贡献策略。 系统和方法的实施例提供视觉和其他教育显示，以帮助客户选择合适的储蓄贡献策略，其可以考虑到以下组中的至少一个集合：由雇主提供的可用于客户的储蓄基金的细节 可能包括雇主配对资金的机会，客户愿意为储蓄计划做出贡献的薪资提高的可接受的生活标准增长部分，客户当前的储蓄行为和储蓄组合的价值，随机性的影响 未来投资组合价值，以及不断变化的联邦税收法规。 客户可以将该系统用于教育和规划目的，和/或可以授权自动触发由所选计划规定的预定增加和/或减少的贡献。

公开(公告)号：US08321336B2

公开(公告)日：2012-11-27

申请号：US13168612

申请日：2011-06-24

申请人： Gerald C. Wagner

发明人： Gerald C. Wagner

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/025

摘要： The present invention relates to a mortgage having a forward portion and a reverse portion. In the forward portion, the borrower receives a loan from a lender in order to purchase a property, such as a home. In the reverse portion, the property has accumulated sufficient equity to enable the lender to disburse funds back to the borrower. The present disclosure describes various computer systems and computer-implemented methods that assist in planning for this type of mortgage. Various factors may be considered, such as, the initial loan principal, ages of one or more borrowers, and a desired mortgage interest rate, and calculates. Different scenarios for conversion from the forward portion to the reverse portion of the mortgage may then be calculated and presented. For example, one or more forward mortgage payment schedules may be calculated and future reverse mortgage capacity may be presented. In some embodiments, the reverse mortgage capacity is used to pay some or all of the forward mortgage portion.

摘要翻译： 本发明涉及具有前部和反向部分的按揭。 在前期部分，借款人从贷方收到贷款，以购买房产，如房屋。 在相反的部分，财产已经积累了足够的股权，使贷款人能够将资金支付给借款人。 本公开描述了帮助规划这种类型的抵押的各种计算机系统和计算机实现的方法。 可以考虑各种因素，如初始贷款本金，一个或多个借款人的年龄，以及期望的抵押贷款利率，并进行计算。 然后可以计算和呈现从按揭的前进部分到反向部分的转换的不同情况。 例如，可以计算一个或多个远期按揭支付计划，并且可以呈现未来的反向抵押贷款能力。 在一些实施例中，反向抵押能力用于支付远期按揭部分中的部分或全部。

公开(公告)号：US20110258097A1

公开(公告)日：2011-10-20

申请号：US13168612

申请日：2011-06-24

申请人： Gerald C. Wagner

发明人： Gerald C. Wagner

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/025

摘要： The present invention relates to a mortgage having a forward portion and a reverse portion. In the forward portion, the borrower receives a loan from a lender in order to purchase a property, such as a home. In the reverse portion, the property has accumulated sufficient equity to enable the lender to disburse funds back to the borrower. The present disclosure describes various computer systems and computer-implemented methods that assist in planning for this type of mortgage. Various factors may be considered, such as, the initial loan principal, ages of one or more borrowers, and a desired mortgage interest rate, and calculates. Different scenarios for conversion from the forward portion to the reverse portion of the mortgage may then be calculated and presented. For example, one or more forward mortgage payment schedules may be calculated and future reverse mortgage capacity may be presented. In some embodiments, the reverse mortgage capacity is used to pay some or all of the forward mortgage portion.

摘要翻译： 本发明涉及具有前部和反向部分的按揭。 在前期部分，借款人从贷方收到贷款，以购买房产，如房屋。 在相反的部分，财产已经积累了足够的股权，使贷款人能够将资金支付给借款人。 本公开描述了帮助规划这种类型的抵押的各种计算机系统和计算机实现的方法。 可以考虑各种因素，如初始贷款本金，一个或多个借款人的年龄，以及期望的抵押贷款利率，并进行计算。 然后可以计算和呈现从按揭的前进部分到反向部分的转换的不同情况。 例如，可以计算一个或多个远期按揭支付计划，并且可以呈现未来的反向抵押贷款能力。 在一些实施例中，反向抵押能力用于支付远期按揭部分中的部分或全部。

公开(公告)号：US20110246393A1

公开(公告)日：2011-10-06

申请号：US13159254

申请日：2011-06-13

申请人： Gerald C. Wagner

发明人： Gerald C. Wagner

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/06

摘要： Computer-based systems and methods are described for generating personalized, automated contribution strategies for scheduling contributions to a retirement savings plan or other savings plan. Embodiments of the systems and methods provide visual, graphic, and other educational displays to assist a client in choosing a suitable savings contribution strategy that may take into account at least one of the set consisting of: details of an employer-sponsored savings fund available to the client which may include opportunities for employer matching-funds, desired portion of potential standard-of-living increases derived from salary raises that the client is willing to contribute to a savings plan, client's current savings behavior and value of savings portfolio, effects of the stochastic nature of future investment portfolio value, and changing federal tax regulations. Clients may use the systems for educational and planning purposes and/or may authorize automated triggering of contributions with scheduled increases and/or decreases as specified by the selected strategy.

摘要翻译： 描述了基于计算机的系统和方法，用于生成用于安排对退休储蓄计划或其他储蓄计划的贡献的个性化的自动化贡献策略。 系统和方法的实施例提供视觉，图形和其他教育显示，以帮助客户选择合适的储蓄贡献策略，其可以考虑到以下组中的至少一个：雇主资助的储蓄基金的细节，其可用于 可能包括雇主匹配资金机会的客户，从薪水中获得的潜在生活标准增长的期望部分提高了客户愿意为储蓄计划做出贡献，客户目前的储蓄行为和储蓄组合的价值，效应 未来投资组合价值的随机性，以及联邦税收法规的变化。 客户可以将该系统用于教育和规划目的，和/或可以授权自动触发由所选择的策略指定的预定增加和/或减少的贡献。

公开(公告)号：US07974917B2

公开(公告)日：2011-07-05

申请号：US11943498

申请日：2007-11-20

申请人： Gerald C. Wagner

发明人： Gerald C. Wagner

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/025

摘要： The present invention relates to a mortgage having a forward portion and a reverse portion. In the forward portion, the borrower receives a loan from a lender in order to purchase or refinance a property, such as a home. In the reverse portion, the property has accumulated sufficient equity to enable the lender to disburse funds back to the borrower. The present disclosure describes various computer systems and computer-implemented methods that assist in planning for this type of mortgage. Various factors may be considered, such as, the home value, ages of one or more borrowers, and an expected mortgage interest rate that may be used to calculate a reverse portion loan-to-value ratio. Then, considering the existing forward portion loan balance, different scenarios for conversion from the forward portion to the reverse portion of the mortgage may be calculated and presented. For example, one or more forward mortgage payment schedules may be calculated and future reverse mortgage timing and capacity may be presented. In some embodiments, the reverse mortgage capacity is used to pay some or all of the forward mortgage portion.

摘要翻译： 本发明涉及具有前部和反向部分的按揭。 在前期部分，借款人从贷方收到贷款，以购买或再融资房地产，如房屋。 在相反的部分，财产已经积累了足够的股权，使贷款人能够将资金支付给借款人。 本公开描述了帮助规划这种类型的抵押的各种计算机系统和计算机实现的方法。 可以考虑各种因素，例如家庭价值，一个或多个借款人的年龄，以及可用于计算逆向部分贷款价值比率的预期按揭利率。 然后，考虑到现有的远期贷款余额，可以计算和呈现从前进部分到抵押贷款部分的转换的不同情况。 例如，可以计算一个或多个远期按揭支付计划，并且可以呈现将来的逆向抵押时间和容量。 在一些实施例中，反向抵押能力用于支付远期按揭部分中的部分或全部。

公开(公告)号：US07634436B1

公开(公告)日：2009-12-15

申请号：US10839192

申请日：2004-05-05

申请人： Gerald C. Wagner

发明人： Gerald C. Wagner

IPC分类号： G06F17/60 ,  G06F17/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/06

摘要： Computer-based systems and methods are described for generating personalized, automated contribution strategies for scheduling contributions to a retirement savings plan or other savings plan. Embodiments of the systems and methods provide visual and other educational displays to assist a client in choosing a suitable savings contribution strategy that may take into account at least one of the set consisting of: details of an employer-sponsored savings fund available to the client which may include opportunities for employer matching-funds, acceptable portion of standard-of-living increases derived from salary raises that the client is willing to contribute to a savings plan, client's current savings behavior and value of savings portfolio, effects of the stochastic nature of future investment portfolio value, and changing federal tax regulations. Clients may use the systems for educational and planning purposes and/or may authorize automated triggering of contributions with scheduled increases and/or decreases as specified by the selected plan.

摘要翻译： 描述了基于计算机的系统和方法，用于生成用于安排对退休储蓄计划或其他储蓄计划的贡献的个性化的自动化贡献策略。 系统和方法的实施例提供视觉和其他教育显示，以帮助客户选择合适的储蓄贡献策略，其可以考虑到以下组中的至少一个集合：由雇主提供的可用于客户的储蓄基金的细节 可能包括雇主配对资金的机会，客户愿意为储蓄计划做出贡献的薪资提高的可接受的生活标准增长部分，客户当前的储蓄行为和储蓄组合的价值，随机性的影响 未来投资组合价值，以及不断变化的联邦税收法规。 客户可以将该系统用于教育和规划目的，和/或可以授权自动触发由所选计划规定的预定增加和/或减少的贡献。

公开(公告)号：US20080120215A1

公开(公告)日：2008-05-22

申请号：US11943498

申请日：2007-11-20

申请人： Gerald C. Wagner

发明人： Gerald C. Wagner

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/025

摘要： The present invention relates to a mortgage having a forward portion and a reverse portion. In the forward portion, the borrower receives a loan from a lender in order to purchase or refinance a property, such as a home. In the reverse portion, the property has accumulated sufficient equity to enable the lender to disburse funds back to the borrower. The present disclosure describes various computer systems and computer-implemented methods that assist in planning for this type of mortgage. Various factors may be considered, such as, the home value, ages of one or more borrowers, and an expected mortgage interest rate that may be used to calculate a reverse portion loan-to-value ratio. Then, considering the existing forward portion loan balance, different scenarios for conversion from the forward portion to the reverse portion of the mortgage may be calculated and presented. For example, one or more forward mortgage payment schedules may be calculated and future reverse mortgage timing and capacity may be presented. In some embodiments, the reverse mortgage capacity is used to pay some or all of the forward mortgage portion.

摘要翻译： 本发明涉及具有前部和反向部分的按揭。 在前期部分，借款人从贷方收到贷款，以购买或再融资房地产，如房屋。 在相反的部分，财产已经积累了足够的股权，使贷款人能够将资金支付给借款人。 本公开描述了帮助规划这种类型的抵押的各种计算机系统和计算机实现的方法。 可以考虑各种因素，例如家庭价值，一个或多个借款人的年龄，以及可用于计算逆向部分贷款价值比率的预期按揭利率。 然后，考虑到现有的远期贷款余额，可以计算和呈现从前进部分到抵押贷款部分的转换的不同情况。 例如，可以计算一个或多个远期按揭支付计划，并且可以呈现将来的逆向抵押时间和容量。 在一些实施例中，反向抵押能力用于支付远期按揭部分中的部分或全部。