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1.发明授权System and method for providing a financial instrument with a periodic step-up feature 有权为金融工具提供定期升压功能的系统和方法公开(公告)号：US08396774B2
公开(公告)日：2013-03-12
申请号：US11671679
申请日：2007-02-06
申请人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis, Jr. , John L. Grucza , Michael Albert Guido , J. Scott Dunn
发明人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis, Jr. , John L. Grucza , Michael Albert Guido , J. Scott Dunn
IPC分类号： G06Q40/00
摘要： One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account and on a first periodic basis: determining a specified percentage of the value of the financial account, determine the greater of a particular limit and the highest value of the financial account multiplied by the specified percentage on a second periodic basis, and in response to a determination that the highest value of the financial account multiplied by the specified percentage on the second periodic basis is greater than the particular limit, stepping-up the particular limit to equal the highest value of the financial account multiplied by the specified percentage on the second periodic basis.
摘要翻译： 本发明的一个实施例是一种用于提供金融工具的方法，包括确定金融账户的经常账户余额并且在第一周期的基础上：确定财务账户的价值的指定百分比，确定特定限额的较大者， 财务账户的最高价值在第二次定期基础上乘以指定百分比，并且响应于确定财务帐户的最高价值乘以第二周期性基准的指定百分比大于特定限额的步骤 - 在第二次定期基础上将财务帐户的最高价值乘以指定百分比的特殊限制。
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2.发明申请SYSTEM AND METHOD FOR PROVIDING A FINANCIAL INSTRUMENT WITH A PERIODIC STEP-UP FEATURE 有权提供具有周期性特征的金融仪器的系统和方法公开(公告)号：US20080189220A1
公开(公告)日：2008-08-07
申请号：US11671679
申请日：2007-02-06
申请人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis , John L. Grucza , Michael Albert Guido , J. Scott Dunn
发明人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis , John L. Grucza , Michael Albert Guido , J. Scott Dunn
IPC分类号： G06Q40/00
摘要： One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account and on a first periodic basis: determining a specified percentage of the value of the financial account, determine the greater of a particular limit and the highest value of the financial account multiplied by the specified percentage on a second periodic basis, and in response to a determination that the highest value of the financial account multiplied by the specified percentage on the second periodic basis is greater than the particular limit, stepping-up the particular limit to equal the highest value of the financial account multiplied by the specified percentage on the second periodic basis.
摘要翻译： 本发明的一个实施例是一种用于提供金融工具的方法，包括确定金融账户的经常账户余额并且在第一周期性基础上：确定金融账户的价值的指定百分比，确定特定限额中的较大者; 财务账户的最高价值在第二次定期基础上乘以指定百分比，并且响应于确定财务帐户的最高价值乘以第二周期性基准的指定百分比大于特定限额的步骤 - 在第二次定期基础上将财务帐户的最高价值乘以指定百分比的特殊限制。
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3.发明授权System and method for providing a financial instrument utilizing a liability ratio 有权使用负债比率提供金融工具的制度和方法公开(公告)号：US07895109B2
公开(公告)日：2011-02-22
申请号：US11671625
申请日：2007-02-06
申请人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis, Jr. , John L. Grucza , Michael Albert Guido , J. Scott Dunn
发明人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis, Jr. , John L. Grucza , Michael Albert Guido , J. Scott Dunn
IPC分类号： G06Q40/00
摘要： One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio.
摘要翻译： 本发明的一个实施例是一种用于提供金融工具的方法，包括确定金融账户的经常账户余额，计算金融账户的负债率，以及确定是否从可变子流程中转移账户余额的至少一部分 - 根据负债比率计算低风险子科目。
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公开(公告)号：US11295387B2
公开(公告)日：2022-04-05
申请号：US11671598
申请日：2007-02-06
申请人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis, Jr. , John L. Grucza , Michael Albert Guido , J. Scott Dunn
发明人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis, Jr. , John L. Grucza , Michael Albert Guido , J. Scott Dunn
摘要： One embodiment of the invention is a method for providing a financial instrument that includes determining an initial account balance associated with a financial instrument, establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum positive growth rate, establishing a second guarantee that a beneficiary may receive a transfer of an amount of money, and establishing an agreement to allow at least a portion of the account balance to be transferred from one or more selected investments to one or more alternative investments in response to a triggering event.
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5.发明申请System and Method for Providing a Financial Instrument Utilizing a Liability Ratio 有权利用责任比率提供金融工具的制度与方法公开(公告)号：US20110145169A1
公开(公告)日：2011-06-16
申请号：US13029858
申请日：2011-02-17
申请人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis, JR. , John L. Grucza , Michael Albert Guido , J. Scott Dunn
发明人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis, JR. , John L. Grucza , Michael Albert Guido , J. Scott Dunn
摘要： One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio.
摘要翻译： 本发明的一个实施例是一种用于提供金融工具的方法，包括确定金融账户的经常账户余额，计算金融账户的负债率，以及确定是否从可变子流程中转移账户余额的至少一部分 - 根据负债比率计算低风险子科目。
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6.发明申请System and Method for Providing a Financial Instrument Utilizing a Liability Ratio 有权利用责任比率提供金融工具的制度与方法公开(公告)号：US20080189219A1
公开(公告)日：2008-08-07
申请号：US11671625
申请日：2007-02-06
申请人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis , John L. Grucza , Michael Albert Guido , J. Scott Dunn
发明人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis , John L. Grucza , Michael Albert Guido , J. Scott Dunn
IPC分类号： G06Q40/00
摘要： One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio.
摘要翻译： 本发明的一个实施例是一种用于提供金融工具的方法，包括确定金融账户的经常账户余额，计算金融账户的负债率，以及确定是否从可变子流程中转移账户余额的至少一部分 - 根据负债比率计算低风险子科目。
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7.发明申请System and Method for Providing a Financial Instrument with an Asset Transfer Feature 审中-公开提供资产转移功能的金融工具的系统和方法公开(公告)号：US20080189218A1
公开(公告)日：2008-08-07
申请号：US11671598
申请日：2007-02-06
申请人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis , John L. Grucza , Michael Albert Guido , J. Scott Dunn
发明人： Jacob M. Herschler , Daniel O. Kane , N. David Kuperstock , Robert Francis O'Donnell , Steven Lee Putterman , Dain Eric Runestad , Robert J. Schwartz , Nicholas Berardis , John L. Grucza , Michael Albert Guido , J. Scott Dunn
IPC分类号： G06Q40/00
摘要： One embodiment of the invention is a method for providing a financial instrument that includes determining an initial account balance associated with a financial instrument, establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum positive growth rate, establishing a second guarantee that a beneficiary may receive a transfer of an amount of money, and establishing an agreement to allow at least a portion of the account balance to be transferred from one or more selected investments to one or more alternative investments in response to a triggering event.
摘要翻译： 本发明的一个实施例是一种用于提供金融工具的方法，其包括确定与金融工具相关联的初始账户余额，建立受保护价值的第一保证，所述受保护价值至少包括基于初始账户余额增长的金额 以最小的正增长率建立受益人可以接收一笔金额的转移的第二保证，并且建立一项协议，允许至少一部分帐户余额从一个或多个所选投资转移到一个或多个选定投资 针对触发事件的更多替代投资。
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8.发明授权Financial instrument providing a guaranteed growth rate and a guarantee of lifetime payments 有权提供保证增长率的财务工具和终身支付的担保公开(公告)号：US07831496B2
公开(公告)日：2010-11-09
申请号：US11404979
申请日：2006-04-14
申请人： Robert Francis O'Donnell , Marc Joseph Buzzelli , Robert Alan Fishbein , Jacob M. Herschler , Fiona Alexandra Jackman-Ward , Daniel O. Kane , N. David Kuperstock , Gary E. Phifer, III , Steven Lee Putterman , Polly Rae , Dain Eric Runestad , Robert J. Schwartz , Christopher Patrick Shecklev
发明人： Robert Francis O'Donnell , Marc Joseph Buzzelli , Robert Alan Fishbein , Jacob M. Herschler , Fiona Alexandra Jackman-Ward , Daniel O. Kane , N. David Kuperstock , Gary E. Phifer, III , Steven Lee Putterman , Polly Rae , Dain Eric Runestad , Robert J. Schwartz , Christopher Patrick Shecklev
IPC分类号： G06Q40/00
摘要： A method for providing a financial instrument includes determining an initial account balance associated with a financial instrument based upon an initial deposit amount, wherein the financial instrument includes an account with an account balance that changes over time. The method further includes establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum growth rate for a defined period of time or until one or more defined events occur, whichever is sooner; and establishing a second guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of a designated party, wherein the amount comprises a percentage of the protected value at the time of a particular event, provided that the amount may vary based upon withdrawals from the account in excess of a first particular limit.
摘要翻译： 提供金融工具的方法包括基于初始存款金额来确定与金融工具相关联的初始账户余额，其中金融工具包括具有随时间变化的账户余额的账户。 该方法还包括建立受保护价值的第一保证，所述受保护价值至少包括基于初始账户余额的金额，所述初始账户余额以规定的时间段内的最小增长率生长，或者直到一个或多个定义的事件发生，以 早点 并确定受益人可以定期在指定方的生命中接收一笔金额的转移的第二保证，其中所述金额包括在特定事件发生时受保护价值的百分比，条件是金额可能变化 基于超过第一特定限额的帐户提款。
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9.发明申请Financial Instrument Providing a Guaranteed Growth Rate and a Guarantee of Lifetime Payments 审中-公开提供保证增长率和终身支付保证的金融工具公开(公告)号：US20100332365A1
公开(公告)日：2010-12-30
申请号：US12848510
申请日：2010-08-02
申请人： Robert Francis O'Donnell , Marc Joseph Buzzelli , Robert Alan Fishbein , Jacob M. Herschler , Fiona Alexandra Jackman-Ward , Daniel O. Kane , N. David Kuperstock , Gary E. Phifer, III , Steven Lee Putterman , Polly Rae , Dain Eric Runestad , Robert J. Schwartz , Christopher Patrick Shecklev
发明人： Robert Francis O'Donnell , Marc Joseph Buzzelli , Robert Alan Fishbein , Jacob M. Herschler , Fiona Alexandra Jackman-Ward , Daniel O. Kane , N. David Kuperstock , Gary E. Phifer, III , Steven Lee Putterman , Polly Rae , Dain Eric Runestad , Robert J. Schwartz , Christopher Patrick Shecklev
IPC分类号： G06Q40/00
摘要： A method for providing a financial instrument includes determining an initial account balance associated with a financial instrument based upon an initial deposit amount, wherein the financial instrument includes an account with an account balance that changes over time. The method further includes establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum growth rate for a defined period of time or until one or more defined events occur, whichever is sooner; and establishing a second guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of a designated party, wherein the amount comprises a percentage of the protected value at the time of a particular event, provided that the amount may vary based upon withdrawals from the account in excess of a first particular limit.
摘要翻译： 提供金融工具的方法包括基于初始存款金额来确定与金融工具相关联的初始账户余额，其中金融工具包括具有随时间变化的账户余额的账户。 该方法还包括建立受保护价值的第一保证，所述受保护价值至少包括基于初始账户余额的金额，所述初始账户余额以规定的时间段内的最小增长率生长，或者直到一个或多个定义的事件发生，以 早点 并确定受益人可以定期在指定方的生命中接收一笔金额的转移的第二保证，其中所述金额包括在特定事件发生时受保护价值的百分比，条件是金额可能变化 基于超过第一特定限额的帐户提款。
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