公开(公告)号：US08315937B1

公开(公告)日：2012-11-20

申请号：US12850584

申请日：2010-08-04

申请人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

发明人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

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。

公开(公告)号：US08577777B1

公开(公告)日：2013-11-05

申请号：US13685627

申请日：2012-11-26

申请人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

发明人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

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。

公开(公告)号：US08428979B1

公开(公告)日：2013-04-23

申请号：US13584626

申请日：2012-08-13

申请人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

发明人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

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。

公开(公告)号：US08566210B1

公开(公告)日：2013-10-22

申请号：US13843899

申请日：2013-03-15

申请人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

发明人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

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。

公开(公告)号：US08489487B1

公开(公告)日：2013-07-16

申请号：US12850596

申请日：2010-08-04

申请人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

发明人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

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. The method can include: storing in memory terms of an agreement governing a stable value contract whereby a stable value return is to be determined by using a built-up moving average of the yield-to-worst outcome of an investment portfolio; calculating, by a digital computer accessing the memory and receiving market data, an amount of the built-up moving average; determining, by the computer using the amount, at least one of a stable value return on the investment portfolio and a contract value for the investment portfolio; and outputting, by the computer, at least one of the determined stable value return and the determined contract value.

摘要翻译： 一种方法，机器，合同价值的文章。 该方法可以包括：在存储条件中存储一项关于稳定价值合同的协议，通过使用投资组合的收益 - 最差结果的积分移动平均线来确定稳定的价值回报; 通过访问存储器并接收市场数据的数字计算机计算建立的移动平均量; 由计算机使用该金额确定投资组合的稳定价值回报和投资组合的合同价值中的至少一个; 以及由所述计算机输出所确定的稳定值返回和确定的合同值中的至少一个。

公开(公告)号：US08244560B1

公开(公告)日：2012-08-14

申请号：US12850604

申请日：2010-08-04

申请人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

发明人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

IPC分类号： G06Q40/00

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

摘要： A method, machine, article for an entity holding insurance. The method can include: storing in memory terms of an agreement governing an entity in which at least two parties have contributed permanent life insurance policies to the entity in exchange for ownership interests in the entity; determining, by a digital computer accessing the memory and receiving policy cash value data, an allocation of entity ownership among the parties, and storing the allocation in the memory; determining, by the computer accessing the memory and receiving data corresponding to policy cash values, policy death benefits and entity assets and liabilities, an allocation of entity profits and losses among the parties, an allocation of income among the parties, an allocation of expenses among the parties and an allocation of changes in entity assets among the parties that occur from one specified point in time to another, and storing said allocations in the memory; determining, by the computer accessing the memory, an accounting of entity, income, expenses, assets, and liabilities; and outputting, by the computer, the accounting and at least one of the allocations.

摘要翻译： 一种持有保险实体的方法，机器，物品。 该方法可以包括：以存储方式存储管理实体的协议，其中至少双方向实体提供永久人寿保险，以换取实体的所有者权益; 通过访问存储器并接收策略现金值数据的数字计算机确定各方之间实体所有权的分配，并将分配存储在存储器中; 通过计算机访问记忆体并接收与政策现金值相对应的数据，政策死亡福利和实体资产和负债，各方之间实体利润和损失的分配，各方之间的收入分配，费用分配 双方当事人之间的实体资产变化分配，从一个指定时间点发生到另一个指定的时间段，并将所述分配存储在存储器中; 由计算机访问记忆体确定实体，收入，费用，资产和负债的会计; 并由计算机输出会计和至少一个分配。

公开(公告)号：US08751360B1

公开(公告)日：2014-06-10

申请号：US13844271

申请日：2013-03-15

申请人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

发明人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

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。

公开(公告)号：US08682768B1

公开(公告)日：2014-03-25

申请号：US13725158

申请日：2012-12-21

申请人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

发明人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

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。

公开(公告)号：US08595033B1

公开(公告)日：2013-11-26

申请号：US12850576

申请日：2010-08-04

申请人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

发明人： Matthew B. Schoen ,  Wayne F. Perg ,  John Andrew Pfleger

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。

公开(公告)号：US20130024214A1

公开(公告)日：2013-01-24

申请号：US13585541

申请日：2012-08-14

申请人： Matthew B. Schoen ,  Wayne F. Perg ,  Jean-Philippe Khodara

发明人： Matthew B. Schoen ,  Wayne F. Perg ,  Jean-Philippe Khodara

IPC分类号： G06Q40/08

CPC分类号： G06Q40/00 ,  G06Q40/02 ,  G06Q40/06 ,  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。