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。