公开(公告)号：US20070143199A1

公开(公告)日：2007-06-21

申请号：US11556396

申请日：2006-11-03

申请人： Geoffrey Stiff ,  James Templeman ,  Matthew Sharpe ,  William White ,  Landis Atkinson

发明人： Geoffrey Stiff ,  James Templeman ,  Matthew Sharpe ,  William White ,  Landis Atkinson

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q40/06

摘要： A system and method for providing an investor the ability to purchase an option to exchange a future value of an asset or a portfolio of assets, regardless of future performance or value, for at least one non-cash settlement instrument outcome on a future date, where the outcome of such option is contingent on (1) a payment of an option fee, and/or (2) maintaining the portfolio of assets in accordance with at least one guideline or benchmark required for the delivery of the guarantee outcome other than cash. The method comprising the steps of determining delivery of a non-cash guaranteed outcome based on an assessment of an underwriting strategy associated with an asset or portfolio of assets; and determining an option payment amount and at least one guideline required for the delivery of the non-cash guaranteed outcome.

摘要翻译： 一种系统和方法，用于为未来日期的至少一个非现金结算工具结果提供投资者购买期权以交换资产或资产组合的未来价值的能力，而不管未来的业绩或价值如何， 该选择权的结果取决于（1）支付期权费用，和/或（2）根据至少一个指标或基准来维持资产组合，以提供除现金以外的担保结果 。 该方法包括以下步骤：基于与资产或资产组合相关联的承保策略的评估来确定非现金担保结果的交付; 以及确定期权支付金额以及交付非现金担保结果所需的至少一个准则。

公开(公告)号：US20060085338A1

公开(公告)日：2006-04-20

申请号：US11239485

申请日：2005-09-30

申请人： Geoffrey Stiff ,  Matthew Sharpe ,  Landis Atkinson

发明人： Geoffrey Stiff ,  Matthew Sharpe ,  Landis Atkinson

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q20/102 ,  G06Q40/00 ,  G06Q40/02

摘要： A system and method for providing a user with a portable benefit, within a qualified or non-qualified defined contribution plan, based on a formula the result of which indicates the exact guaranteed minimum periodic income that the user will receive no matter how long the user lives and the potential for an increase in the periodic income based on excess investment performance over the formula of the designated defined benefit investment options is disclosed. The system comprises a defined contribution module for periodically receiving at least one of a sponsor contribution and a participant contribution and for accumulating value over a period of time by investing at least one of the sponsor contribution and the participant contribution or any portion(s) thereof in any number of select investment options, the accumulated value, or any portion(s) thereof, being capable of: (1) being withdrawn at any time and reinvested in any other select investment options, and (2) being paid out after a predetermined period of time; and wherein the select investment options comprises any number of investment products and at least one designated defined benefit investment option module for: (1) receiving at least one investment payment from the defined contribution module, the investment payment comprising at least one of the sponsor contribution, the participant contribution, and/or the accumulated value, or any portion(s) thereof, (2) for paying out a guaranteed minimum income payment for life after the predetermined period of time, the guaranteed minimum income payment being based on a retirement income formula, and (3) increasing the income payment for life for excess performance over the formula of the designated defined investment option.

摘要翻译： 一种系统和方法，用于在合格的或非限定的定义的贡献计划中为用户提供便携式利益，该公式的结果表示用户将接收的确切的保证的最小周期性收入，不管用户多长时间 披露了基于超额投资表现超过指定的定义利益投资期权公式的定期收入增长的潜力。 该系统包括定义的贡献模块，用于周期性地接收赞助者贡献和参与者贡献中的至少一个，并且通过投资赞助者贡献和参与者贡献或其任何部分中的至少一个来在一段时间内累积价值 在任何数量的精选投资选择中，累计价值或其任何部分能够：（1）随时撤回并再投资于任何其他选择投资选择，以及（2）在 预定时间; 并且其中所述选择投资选项包括任何数量的投资产品和至少一个指定的定义的利益投资期权模块，用于：（1）从所述定义的缴费模块接收至少一个投资支付，所述投资支付包括所述赞助者贡献中的至少一个 ，参与者缴款和/或累积价值或其任何部分，（2）在预定时间段之后支付生命的有担保的最低收入支付，担保最低收入支付以退休为基础 收入公式，（3）比指定定价投资期权方案增加超额业绩的生活收入。