公开(公告)号：US20130290155A1

公开(公告)日：2013-10-31

申请号：US13455939

申请日：2012-04-25

申请人： Brian J.J. Wilson ,  Glenn J. Gazdik ,  Xiaobo Zhou

发明人： Brian J.J. Wilson ,  Glenn J. Gazdik ,  Xiaobo Zhou

IPC分类号： G06Q40/06

CPC分类号： G06Q40/02

摘要： A computer system for processing data related to fixed annuities includes: one or more data storage devices storing data associated with fixed annuities and indicative of account values, a time period for crediting of interest; and a crediting method including for each of the fixed annuities one of at least an equity index based crediting method and a price index based crediting method; and an annuity administration hardware server configured to: receive price index value data, determine a price index crediting rate for each of the fixed annuities having a price index based crediting method based on the received price index value data, a threshold value of the price index, a participation rate, and the guaranteed rate; and calculate updated account values using the price index crediting rate and the account values;

摘要翻译： 用于处理与固定年金相关的数据的计算机系统包括：一个或多个数据存储设备，存储与固定年金相关联的数据并指示账户价值，用于记录利息的时间段; 以及包括对固定年金中的至少一种基于权益指数的贷方和基于价格指数的贷方的贷记方式; 以及年金管理硬件服务器，被配置为：接收价格指数值数据，基于所接收的价格指数值数据，确定具有基于价格指数的信用方法的固定年金的价格指数计入率，价格指数的阈值 参与率和保证率; 并使用价格指数计入率和账面价值计算更新的账户价值;