公开(公告)号：US5926800A

公开(公告)日：1999-07-20

申请号：US427405

申请日：1995-04-24

申请人： Walter Baronowski ,  Michael Feldstein ,  Robert Meenan ,  Victor Simone ,  David Weil ,  Andrew Young

发明人： Walter Baronowski ,  Michael Feldstein ,  Robert Meenan ,  Victor Simone ,  David Weil ,  Andrew Young

IPC分类号： G06Q40/00 ,  G06F17/60

CPC分类号： G06Q40/08 ,  G06Q40/00 ,  G06Q40/025

摘要： A system for providing loans to owners of life insurance policies who are terminally ill or aged. The system comprises a statistical module, medical module and a financial module which together operate on a preselected group of inputs to yield a line of credit offered to the policyholder. The system provides a line of credit line of credit to those insured under an insurance policy without transfer of ownership of the policy. The system determines eligibility and the line of credit for the insured. The system has an entering device for entering an insured's application data, including the insured's date of birth and the medical diagnosis of the insured, and for generating an output therefrom. The system also has a generating device for receiving the output from the entering device and for generating a function therefrom having a probability distribution describing the future life distribution of the insured and a computing device for receiving the function from the generating device and for computing the line of credit to be extended to the insured based upon the received function and financial assumptions. The owner retains ownership of the policy during his lifetime, and the insured has a line of credit extended as determined by the system.

摘要翻译： 为终身病或老年人寿保险的业主提供贷款的制度。 该系统包括统计模块，医疗模块和财务模块，它们一起在预选的输入组中进行操作以产生向投保人提供的信用额度。 该系统为保险单下的被保险人提供了一条信用额度信用额度，而不转让该政策的所有权。 系统确定被保险人的资格和信用额度。 该系统具有用于输入被保险人的应用数据的输入设备，包括被保险人的出生日期和被保险人的医疗诊断，以及从中产生输出。 该系统还具有一个生成装置，用于接收来自输入装置的输出，并用于从其产生具有描述被保险人的未来寿命分布的概率分布的功能和用于从生成装置接收该功能的计算装置，并计算该线 根据收到的功能和财务假设将信贷扩大到被保险人。 所有者在其一生中保留对该政策的所有权，被保险人根据系统确定延期的信用额度。

公开(公告)号：US20110161325A1

公开(公告)日：2011-06-30

申请号：US12781584

申请日：2010-05-17

申请人： Anthony Jones ,  David Weil

发明人： Anthony Jones ,  David Weil

IPC分类号： G06F17/30 ,  G06F3/00

CPC分类号： G06F16/958

摘要： An apparatus is provided that includes a processor configured to perform or cause the apparatus to perform at least a number of operations. The operations include receiving a compiled media file including a plurality of objects, where the compiled file is received via a remoting gateway configured to post the compiled file to the apparatus. The operations also include parsing the compiled file to identify its objects and produce an index of the objects, and include mapping one or more data or files to one or more of the objects based on the index. The compiled file is servable to a viewer device, which includes receiving a request for the compiled file, and in response to the request, determining one or more data or files mapped to one or more of the objects, and serving the compiled file and the determined one or more data or files.

摘要翻译： 提供了一种装置，其包括被配置为执行或使该装置执行至少多个操作的处理器。 操作包括接收包括多个对象的编译的媒体文件，其中经由配置为将编译的文件发布到设备的远程网关接收编译的文件。 操作还包括解析编译的文件以识别其对象并产生对象的索引，并且包括基于索引将一个或多个数据或文件映射到一个或多个对象。 所编译的文件可以被提供给查看器设备，该查看器设备包括接收对编译文件的请求，并且响应于该请求，确定映射到一个或多个对象的一个​​或多个数据或文件，以及服务编译文件和 确定一个或多个数据或文件。