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.