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公开(公告)号：US07970682B2
公开(公告)日：2011-06-28
申请号：US11443875
申请日：2006-05-30
申请人： Stephen Roti , Dmitry Noraev , Craig Sabal
发明人： Stephen Roti , Dmitry Noraev , Craig Sabal
IPC分类号： G06Q40/00
摘要： In one aspect the invention comprises systems and methods for providing hedging against loss of value of a block of variable annuity policies to be sold, between the signing and closing dates of the transaction. In one embodiment, a purchase price adjustment grid (or formula) is used to adjust the purchase price for the sale of variable annuities between signing and closing dates as a result of changes in market parameters over that time period. One aspect comprising the steps of: (a) storing data representing at least one equity amount table having a horizontal axis corresponding to a first variable and a vertical axis corresponding to a second variable; (b) receiving a first value of the first variable and a second value of the second variable; and (c) calculating a table amount based on a bilinear interpolation of quantities in the equity amount table.
摘要翻译： 在一个方面，本发明包括在交易的签署和结束日期之间提供对冲以抵销将要出售的一组可变年金政策的价值的套期保值的系统和方法。 在一个实施例中，购买价格调整网格（或公式）用于调整在签约和关闭日期之间出售可变年金的购买价格，这是由于该时间段上的市场参数的变化而导致的。 一个方面包括以下步骤：（a）存储表示具有对应于第一变量的水平轴和对应于第二变量的垂直轴的至少一个权益量表的数据; （b）接收第一变量的第一值和第二变量的第二值; 和（c）基于权益金额表中的数量的双线性插值来计算表金额。
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公开(公告)号：US20070136164A1
公开(公告)日：2007-06-14
申请号：US11443875
申请日：2006-05-30
申请人： Stephen Roti , Dmitry Noraev , Craig Sabal
发明人： Stephen Roti , Dmitry Noraev , Craig Sabal
IPC分类号： G06Q40/00
摘要： In one aspect the invention comprises systems and methods for providing hedging against loss of value of a block of variable annuity policies to be sold, between the signing and closing dates of the transaction. In one embodiment, a purchase price adjustment grid (or formula) is used to adjust the purchase price for the sale of variable annuities between signing and closing dates as a result of changes in market parameters over that time period. One aspect comprising the steps of: (a) storing data representing at least one equity amount table having a horizontal axis corresponding to a first variable and a vertical axis corresponding to a second variable; (b) receiving a first value of the first variable and a second value of the second variable; and (c) calculating a table amount based on a bilinear interpolation of quantities in the equity amount table.
摘要翻译： 在一个方面，本发明包括在交易的签署和结束日期之间提供对冲以抵销将要出售的一组可变年金政策的价值的套期保值的系统和方法。 在一个实施例中，购买价格调整网格（或公式）用于调整在签约和关闭日期之间出售可变年金的购买价格，这是由于该时间段上的市场参数的变化而导致的。 一个方面包括以下步骤：（a）存储表示具有对应于第一变量的水平轴和对应于第二变量的垂直轴的至少一个权益量表的数据; （b）接收第一变量的第一值和第二变量的第二值; 和（c）基于权益金额表中的数量的双线性插值来计算表金额。
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3.发明授权公开(公告)号：US08744877B2
公开(公告)日：2014-06-03
申请号：US11213042
申请日：2005-08-25
申请人： Alex Cowley , Craig Sabal , Dmitry Noraev , Doug McBeth , Llewellyn C. Connolly , Martin Klein , Pradip Ghosh , Russ Hackman
发明人： Alex Cowley , Craig Sabal , Dmitry Noraev , Doug McBeth , Llewellyn C. Connolly , Martin Klein , Pradip Ghosh , Russ Hackman
IPC分类号： G06Q40/00
摘要： In one aspect, the invention comprises computer processors operable to identify a block of idealized policies, computer processors operable to calculate risk related to the block of idealized policies based on specified actuarial assumptions; and computer processors operable to provide a customized option designed to pay guaranteed minimum withdrawal benefits on the block of idealized policies; wherein the block of idealized policies is designed to replicate a current policy mix of an insurance company. In another aspect, the invention comprises computer processors operable to identify a block of idealized policies, computer processors operable to calculate risk related to the block of idealized policies based on specified actuarial assumptions; and computer processors operable to provide a reinsurance contract designed to pay guaranteed minimum death benefits on the block of idealized policies; wherein the block of idealized policies is designed to replicate a current policy mix of an insurance company.
摘要翻译： 一方面，本发明包括可操作以识别理想化策略块的计算机处理器，可操作以基于指定的精算假设来计算与理想化策略块相关的风险的计算机处理器; 以及计算机处理器，其可操作以提供定制的选项，其设计用于在理想化策略块上支付最低提款收益; 其中理想化策略的块被设计为复制保险公司的当前策略组合。 在另一方面，本发明包括可操作以识别理想化策略块的计算机处理器，可用于基于指定的精算假设来计算与理想化策略块相关的风险的计算机处理器; 以及计算机处理器，可操作地提供再保险合同，旨在为理想化政策的阻止支付最低的死亡保障金; 其中理想化策略的块被设计为复制保险公司的当前策略组合。
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4.发明申请公开(公告)号：US20060122871A1
公开(公告)日：2006-06-08
申请号：US11213042
申请日：2005-08-25
申请人： Alex Cowley , Craig Sabal , Dmitry Noraev , Doug McBeth , Llewellyn Connolly , Martin Klein , Pradip Ghosh , Russ Hackmann
发明人： Alex Cowley , Craig Sabal , Dmitry Noraev , Doug McBeth , Llewellyn Connolly , Martin Klein , Pradip Ghosh , Russ Hackmann
IPC分类号： G06Q40/00
摘要： In one aspect, the invention comprises computer processors operable to identify a block of idealized policies, computer processors operable to calculate risk related to the block of idealized policies based on specified actuarial assumptions; and computer processors operable to provide a customized option designed to pay guaranteed minimum withdrawal benefits on the block of idealized policies; wherein the block of idealized policies is designed to replicate a current policy mix of an insurance company. In another aspect, the invention comprises computer processors operable to identify a block of idealized policies, computer processors operable to calculate risk related to the block of idealized policies based on specified actuarial assumptions; and computer processors operable to provide a reinsurance contract designed to pay guaranteed minimum death benefits on the block of idealized policies; wherein the block of idealized policies is designed to replicate a current policy mix of an insurance company.
摘要翻译： 一方面，本发明包括可操作以识别理想化策略块的计算机处理器，可操作以基于指定的精算假设来计算与理想化策略块相关的风险的计算机处理器; 以及计算机处理器，其可操作以提供定制的选项，其设计用于在理想化策略块上支付最低提款收益; 其中理想化策略的块被设计为复制保险公司的当前策略组合。 在另一方面，本发明包括可操作以识别理想化策略块的计算机处理器，可用于基于指定的精算假设来计算与理想化策略块相关的风险的计算机处理器; 以及计算机处理器，可操作地提供再保险合同，旨在为理想化政策的阻止支付最低的死亡保障金; 其中理想化策略的块被设计为复制保险公司的当前策略组合。
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5.发明申请公开(公告)号：US20060080250A1
公开(公告)日：2006-04-13
申请号：US11187168
申请日：2005-07-21
申请人： Matthew Hansen , Cornelia Spiegel , Dmitry Noraev
发明人： Matthew Hansen , Cornelia Spiegel , Dmitry Noraev
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q20/108 , G06Q40/06
摘要： In one aspect, the present invention comprises a computer system for providing an infrastructure platform. That computer system preferably comprises a bank computer operable to communicate via a computer network with a fund manager computer operated by a fund manager managing a fund, wherein the bank computer is operated by a bank holding a security interest over one or more assets of the fund. The bank preferably has agreed with the fund manager to a set of one or more investment guidelines regarding the fund. Those guidelines constrain the fund manager to trade the assets in a specified manner. The fund preferably underlies a structured product sold to one or more investors.
摘要翻译： 一方面，本发明包括一种用于提供基础设施平台的计算机系统。 该计算机系统优选地包括可操作以经由计算机网络与由管理基金的基金经理操作的基金管理者计算机进行通信的银行计算机，其中所述银行计算机由持有基金的一个或多个资产的担保权益的银行操作 。 该银行最好与基金经理达成一套关于该基金的一项或多项投资指引。 这些指引限制了基金经理以指定的方式交易资产。 该基金最好是卖给一个或多个投资者的结构性产品。
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公开(公告)号：US20090012883A1
公开(公告)日：2009-01-08
申请号：US11732726
申请日：2007-04-03
摘要： A novel financial instrument, equity dilution inhibitor and security upgrade account are disclosed based on an enhanced callspread option. Implementation of the novel investment vehicle and/or upgrade account are managed via program controlled data processor governing system operation in accordance with investment parameters. Enhanced flexibility for this investment vehicle increases its usefulness to a broad spectrum of potential investors.
摘要翻译： 基于增强的callspread选项披露了一种新颖的金融工具，股权稀释抑制剂和安全升级账户。 根据投资参数，通过程序控制的数据处理器管理系统操作来管理小型投资工具和/或升级帐户的实施。 这种投资工具的灵活性增强了其对广泛潜在投资者的实用性。
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公开(公告)号：US20050069670A1
公开(公告)日：2005-03-31
申请号：US10707819
申请日：2004-01-14
申请人： Dmitry Noraev
发明人： Dmitry Noraev
CPC分类号： G11B20/00086 , G11B20/00152 , G11B20/0021 , G11B20/00666 , G11B20/00927 , G11B23/284 , G11B2220/2537 , G11C13/04
摘要： The present invention discloses the data storage medium enabling subsequent alteration by a user or user's data rendering system in order to enforce the restrictive covenants of the data usage agreement. The present invention also discloses the data rendering system designed to work with said data storage medium. The present invention also discloses the piracy-resistant method to deliver data stored on a removable data storage medium.
摘要翻译： 本发明公开了能够由用户或用户的数据呈现系统进行后续改变的数据存储介质，以便实施数据使用协议的限制性约定。 本发明还公开了设计用于与所述数据存储介质一起工作的数据呈现系统。 本发明还公开了用于传送存储在可移动数据存储介质上的数据的防盗版方法。
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公开(公告)号：US07249083B2
公开(公告)日：2007-07-24
申请号：US10789920
申请日：2004-02-27
IPC分类号： G06Q40/00
摘要： A financial instrument, equity dilution inhibitor and security upgrade account are disclosed based on an enhanced call-spread option. Implementation of the investment vehicle and/or upgrade account are managed via program controlled data processor governing system operation in accordance with investment parameters. Enhanced flexibility for this investment vehicle increases its usefulness to a broad spectrum of potential investors.
摘要翻译： 基于增强的通话期权，披露了金融工具，股权稀释抑制剂和安全升级账户。 根据投资参数，通过程序控制的数据处理器管理系统操作来管理投资工具和/或升级帐户的实施。 这种投资工具的灵活性增强了其对广泛潜在投资者的实用性。
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