公开(公告)号：US07251623B1

公开(公告)日：2007-07-31

申请号：US09606495

申请日：2000-06-29

申请人： Richard K Ryan ,  Brandt Thomas Brock ,  Gregory J. Garvin ,  Stéphane Goyer ,  Brenda Marie Harwood ,  Amy Jo Lee ,  Mary Elaine Nestor ,  Karen S. Plush ,  Kris Alan Robbins

发明人： Richard K Ryan ,  Brandt Thomas Brock ,  Gregory J. Garvin ,  Stéphane Goyer ,  Brenda Marie Harwood ,  Amy Jo Lee ,  Mary Elaine Nestor ,  Karen S. Plush ,  Kris Alan Robbins

IPC分类号： G06Q40/00

CPC分类号： G06Q40/04 ,  G06Q40/00

摘要： A financial security product and method for managing a financial security, such as a variable annuity, which enables financial service providers to deduct the fees, costs and expenses associated with managing the financial security product. In a preferred embodiment, the method enables financial service providers to provide optional benefits to investors of a financial security without the need for maintaining separate unit prices for each potential combination of optional benefits. The method comprises periodically declaring a dividend with respect to the financial security and deducting at least a portion of the fees associated with managing the financial security from the declared dividend. The amount of the fees can vary depending upon the number of optional benefits, if any, selected to be provided with the financial security by the investor. In a preferred embodiment, any remaining dividend after the fees have been deducted is reinvested into the financial security.In a preferred embodiment, the process for declaring the dividend, assessing and deducting the management fees, reinvesting the remainder of the dividend and determining the new value of the financial security is accomplished using a series of calculations via an automated system such as a computer program.

摘要翻译： 用于管理金融安全的金融安全产品和方法，例如可变年金，使金融服务提供商能够扣除与管理金融安全产品相关的费用，成本和费用。 在优选实施例中，该方法使得金融服务提供商能够为金融安全的投资者提供可选择的利益，而不需要为每个潜在的可选利益组合维持单独的单价。 该方法包括定期宣布有关财务担保的股利，并从宣告的股息中扣除与管理财务担保有关的费用的至少一部分。 费用的数额可以根据投资者选择提供财务担保的可选福利（如果有的话）的数量而有所不同。 在优选实施例中，在扣除费用之后的任何剩余股息再投资到金融安全。 在优选实施例中，通过使用诸如计算机程序之类的自动化系统的一系列计算来实现宣告股利，评估和扣除管理费用，重新投资剩余股息和确定财务安全的新价值的过程 。