COMPUTER APPARATUS AND METHOD FOR ILLUSTRATING, ISSUING, AND MANAGING DISABILITY COVERAGE FOR RETIREMENT PLANS WITH INDIVIDUAL ACCOUNTS
    1.
    发明申请
    COMPUTER APPARATUS AND METHOD FOR ILLUSTRATING, ISSUING, AND MANAGING DISABILITY COVERAGE FOR RETIREMENT PLANS WITH INDIVIDUAL ACCOUNTS 有权
    用于单独账户退休计划的说明,发布和管理损害赔偿的计算机设备和方法

    公开(公告)号:US20130024214A1

    公开(公告)日:2013-01-24

    申请号:US13585541

    申请日:2012-08-14

    IPC分类号: G06Q40/08

    摘要: A computer-aided method of computing coverage benefit costs for a retirement plan having respective accounts for individuals, the method including the steps of converting input plan contribution data for at least one of said accounts of said retirement plan into corresponding input digital electrical signals, manipulating the input digital electrical signals in computing the coverage benefit costs for the at least one of said accounts according to said retirement plan, and producing output at an output device. The output including the computed coverage benefit costs for the at least one of said accounts of said retirement plan. The method is suitable for IRS Sec. 401, 408, 457, in cases such as an IRA, ROTH IRA, individual social security accounts of whatever country may be at issue, and the like. Input plan contribution data can include data such as FICA tax, Federal Old Age, Survivors, and Disability Insurance tax data.

    摘要翻译: 一种计算机辅助方法,用于计算具有个人帐户的退休计划的覆盖利益成本,所述方法包括以下步骤:将所述退休计划的所述帐户中的至少一个的输入计划贡献数据转换为相应的输入数字电信号,操纵 所述输入数字电信号根据所述退休计划计算所述至少一个所述帐户的覆盖范围,从而在输出设备处产生输出。 所述产出包括所计算的覆盖率,用于所述退休计划的至少一个所述帐户的费用。 该方法适用于IRS Sec。 401,408,457,如IRA,ROTH IRA,任何国家可能存在的个人社会保障账户等。 投入计划缴款数据可以包括FICA税,联邦老年人,幸存者和残疾人保险税数据等数据。

    Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts
    2.
    发明授权
    Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts 有权
    用于说明,发行和管理个人账户的退休计划残疾人保险的计算机和方法

    公开(公告)号:US08577702B2

    公开(公告)日:2013-11-05

    申请号:US13585541

    申请日:2012-08-14

    IPC分类号: G06Q40/00 G06Q40/08

    摘要: A computer-aided method of computing coverage benefit costs for a retirement plan having respective accounts for individuals, the method including the steps of converting input plan contribution data for at least one of said accounts of said retirement plan into corresponding input digital electrical signals, manipulating the input digital electrical signals in computing the coverage benefit costs for the at least one of said accounts according to said retirement plan, and producing output at an output device. The output including the computed coverage benefit costs for the at least one of said accounts of said retirement plan. The method is suitable for IRS Sec. 401, 408, 457, in cases such as an IRA, ROTH IRA, individual social security accounts of whatever country may be at issue, and the like. Input plan contribution data can include data such as FICA tax, Federal Old Age, Survivors, and Disability Insurance tax data.

    摘要翻译: 一种计算机辅助方法,用于计算具有个人帐户的退休计划的覆盖利益成本,所述方法包括以下步骤:将所述退休计划的所述帐户中的至少一个的输入计划贡献数据转换为相应的输入数字电信号,操纵 所述输入数字电信号根据所述退休计划计算所述至少一个所述帐户的覆盖范围,从而在输出设备处产生输出。 所述产出包括所计算的覆盖率,用于所述退休计划的至少一个所述帐户的费用。 该方法适用于IRS Sec。 401,408,457,如IRA,ROTH IRA,任何国家可能存在的个人社会保障账户等。 投入计划缴款数据可以包括FICA税,联邦老年人,幸存者和残疾人保险税数据等数据。

    Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts
    3.
    发明授权
    Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts 有权
    用于说明,发行和管理个人账户的退休计划残疾人保险的计算机和方法

    公开(公告)号:US08595032B1

    公开(公告)日:2013-11-26

    申请号:US11861084

    申请日:2007-09-25

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/02 G06Q40/08

    摘要: A system and method for providing insurance protection against loss of contributions to tax favored defined contribution plans should an active employee/participant become disabled. The invention manages the administration of a disability insurance policy held inside the plan that continues contributions to the plan during a period of disability, where the coverage amount for each participant is determined by the level of contributions made by or for each participant.

    摘要翻译: 一个活跃的员工/参与者变得残疾的一种系统和方法,用于提供免受损失的税收优惠定义的缴款计划的保险保护。 本发明管理在计划期间所持有的在残疾期间继续对计划作出贡献的残疾保险政策,其中每个参与者的保险金额由每个参与者的捐款水平确定。

    Apparatus, article, and method for a hedged specified event bond
    4.
    发明授权
    Apparatus, article, and method for a hedged specified event bond 有权
    用于对冲指定事件债券的设备,物品和方法

    公开(公告)号:US08315937B1

    公开(公告)日:2012-11-20

    申请号:US12850584

    申请日:2010-08-04

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/08 G06Q40/04 G06Q40/06

    摘要: A method, machine, article for a hedged specified event bond. The method can include: storing in memory terms of a bond indenture whereby proceeds from the bond are placed in a bankruptcy-remote entity, an investment is purchased, a risk associated with the investment is hedged, and a scheduled investor payment is adjusted if a specified event occurs; determining, by a digital computer accessing the memory and receiving market data and data corresponding to the specified event, a payment amount to the entity, a scheduled investor payment amount by the entity, a value of assets of the entity, whether there has been an occurrence of the specified event, and if an occurrence is determined, computing an adjustment in the scheduled payment; and outputting, by the computer, at least one of the payment amount to the entity, the scheduled investor payment amount, the value, and, if the occurrence is determined, the adjustment.

    摘要翻译: 一种用于对冲指定事件债券的方法,机器,物品。 该方法可以包括:以存储条件存储债券契约,其中债券的收益被放置在破产远程实体中,购买投资,与投资相关的风险进行套期保值,并且如果 指定事件发生; 通过访问存储器并接收与指定事件相对应的市场数据和数据的数字计算机确定对实体的支付金额,实体的预定投资者支付金额,实体的资产价值,是否存在 发生指定的事件,并且如果确定事件,则计算预定支付中的调整; 以及由所述计算机向所述实体输出所述支付金额中的至少一个,所计划的投资者支付金额,所述价值以及所述发生是否确定所述调整。

    Digital processing machine, article, and method for an entity holding insurance
    5.
    发明授权
    Digital processing machine, article, and method for an entity holding insurance 有权
    数字处理机器,实体持有保险的物品和方法

    公开(公告)号:US08428979B1

    公开(公告)日:2013-04-23

    申请号:US13584626

    申请日:2012-08-13

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/08 G06Q40/04 G06Q40/06

    摘要: A digital data processing method, machine, and article for an entity holding insurance. The machine is configured to transform, by digital processing, data into an accounting for an entity and allocations among parties contributing permanent life insurance to the entity in producing digital output which includes the accounting and at least one of the allocations.

    摘要翻译: 数字数据处理方法,机器和实体持有保险的实体。 该机器被配置为通过数字处理将数据转换成对实体的会计以及在生成包括会计和至少一个分配的数字输出的实体中贡献永久人寿保险的各方之间的分配。

    Machine, article, and method for servicing a specified event bond
    6.
    发明授权
    Machine, article, and method for servicing a specified event bond 有权
    用于服务指定事件绑定的机器,文章和方法

    公开(公告)号:US08577777B1

    公开(公告)日:2013-11-05

    申请号:US13685627

    申请日:2012-11-26

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/04 G06Q40/06 G06Q40/08

    摘要: A method, machine, article for servicing a specified event bond. The method can include: storing in memory terms of a bond indenture for a bond, the indenture including an agreement with at least one original investor in the bond whereby an issuer of the bond is obligated to pay to the investor a contingent liability in the bond if a specified event occurs; determining, by a computer accessing the memory and receiving market data, an amount of contingent liability corresponding to the obligation; and outputting, by the computer, the determined amount of the contingent liability.

    摘要翻译: 一种用于服务指定事件债券的方法,机器,物品。 该方法可以包括:在存储条件中存储债券的债券契约,契约包括与债券中的至少一个原始投资者达成协议,债券的发行人有义务向债权人支付债券中的或有负债 如果指定的事件发生; 通过访问记忆体并接收市场数据的计算机确定与该义务相对应的或有负债的金额; 并由计算机输出确定的或有负债的金额。

    Apparatus, article, and computer methods for contract values
    7.
    发明授权
    Apparatus, article, and computer methods for contract values 有权
    仪器,物品和计算机方法的合同价值

    公开(公告)号:US08751360B1

    公开(公告)日:2014-06-10

    申请号:US13844271

    申请日:2013-03-15

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/08 G06Q40/04 G06Q40/06

    摘要: A method, machine, article for contract values. Illustratively, there can be a machine configured for transforming digital input data in producing digital output data according to terms of an agreement with a guarantor of a contract value, wherein the agreement permits use of the contract value in place of a market value on a financial statement of a beneficiary of the agreement. The machine can produce output at an output device, the output including at least one of a determined amount of the stable value return and a determined amount of the contract value.

    摘要翻译: 一种方法,机器,合同价值的文章。 说明性地,可以存在一种机器,其被配置为根据与合同价值的担保人的协议条款来产生数字输出数据的数字输入数据的转换,其中协议允许使用合同价值代替金融市场价值 协议受益人声明。 机器可以在输出设备处产生输出,输出包括确定量的稳定值返回中的至少一个和合约值的确定量。

    Machine, article, and method for an installment payment payout at contract value
    8.
    发明授权
    Machine, article, and method for an installment payment payout at contract value 有权
    分期付款支付合同价值的机器,文章和方法

    公开(公告)号:US08682768B1

    公开(公告)日:2014-03-25

    申请号:US13725158

    申请日:2012-12-21

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/02

    摘要: A machine, article and method for an installment payment payout at contract value. A method can include: storing in memory terms of an agreement with a guarantor of a contract value for an investment, thus transforming a market value of the investment on a financial statement into a contract value, the terms including a payout of the contract value of the investment as installment payments over time, and that the installment payments will be determined in a manner to make their present value equal to the contract value, wherein the payments are discounted at market interest rates, and a specification that the payments are to be supported by a portfolio of securities to be held in a bankruptcy remote vehicle and by a payment guarantee of the guarantor and further including terms for determining a contract rate of return and a contract value.

    摘要翻译: 分期付款支付合同价值的机器,物品和方法。 一种方法可以包括:将与投标合同价值的担保人的协议存储在内存中,从而将财务报表上的投资的市场价值转换为合同价值,包括支付合同价值 作为分期付款的投资,随着时间的推移,分期付款将以确定其现值与合同价值相等的方式确定,其中付款以市场利率折现,并支付支付的规定 通过在破产远程车辆中持有的证券组合以及担保人的付款担保,还包括确定合同回报率和合同价值的条款。

    Apparatus, article, and method for classes of ownership interests
    9.
    发明授权
    Apparatus, article, and method for classes of ownership interests 有权
    所有者权益类的设备,物品和方法

    公开(公告)号:US08595033B1

    公开(公告)日:2013-11-26

    申请号:US12850576

    申请日:2010-08-04

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/08 G06Q40/04 G06Q40/06

    摘要: A method, machine, article for classes of ownership interests. A method can include: storing in memory data specifying an agreement by which a first class of ownership interest is obligated to pay consideration to at least one other class of ownership interest in exchange for the at least one other class of ownership interest incurring risk exposure to at least one specified risk associated with the first class of ownership interest and whereby realizing a loss associated with the risk exposure is contingent upon occurrence of at least one specified event; determining, by a digital computer accessing the memory and receiving market data corresponding to an investment associated with the first class of ownership interest, an amount of the risk exposure and an amount of the consideration; and outputting, by the computer, at least one of the amounts.

    摘要翻译: 一种用于所有者权益类的方法,机器,文章。 一种方法可以包括:存储指定一种协议的数据,第一类所有者权益有义务支付至少一种其他类别的所有者权益,以换取至少一种其他类别的所有者权益,该风险暴露于 与第一类所有者权益相关的至少一个特定风险,并且实现与风险敞口相关的损失取决于至少一个指定事件的发生; 通过访问所述存储器并接收对应于与所述第一类所有者权益相关联的投资的市场数据来确定所述风险敞口的数量和所述考虑的量; 以及由所述计算机输出所述量中的至少一个。

    Machine, article and processes for contract values using partial allocations
    10.
    发明授权
    Machine, article and processes for contract values using partial allocations 有权
    使用部分分配的合同价值的机器,文章和流程

    公开(公告)号:US08566210B1

    公开(公告)日:2013-10-22

    申请号:US13843899

    申请日:2013-03-15

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/04 G06Q40/06 G06Q40/08

    摘要: A method, machine, article for contract values. Illustratively, there can be a machine configured for transforming digital input data in producing digital output data according to terms of an agreement with a guarantor of a contract value, wherein the agreement permits use of the contract value in place of a market value on a financial statement of a beneficiary of the agreement. The machine can produce output including at least one of a determined amount of a stable value return and a determined amount of a contract value.

    摘要翻译: 一种方法,机器,合同价值的文章。 说明性地,可以存在一种机器,其被配置为根据与合同价值的担保人的协议条款来产生数字输出数据的数字输入数据的转换,其中协议允许使用合同价值代替金融市场价值 协议受益人声明。 机器可以产生包括确定量的稳定价值回报和确定的合同价值量中的至少一个的产出。