Financial instrument providing a portable guarantee
    1.
    发明授权
    Financial instrument providing a portable guarantee 有权
    提供便携式保证的金融工具

    公开(公告)号:US08838493B2

    公开(公告)日:2014-09-16

    申请号:US11531872

    申请日:2006-09-14

    IPC分类号: G06Q40/00 G06Q40/08 G06Q40/06

    CPC分类号: G06Q40/08 G06Q40/00 G06Q40/06

    摘要: According to one embodiment of the invention, a financial instrument includes a first tax-deferred account and first, second, and third guarantees. The first tax-deferred account has an account balance based in part on a deduction from wages paid to an employee. The first guarantee is a guarantee of a first protected value based upon a deposit growing at a minimum growth rate The second guarantee is a guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of the employee. The third guarantee is a guarantee that the first protected value may be transferred with the first tax-deferred account to a separate financial instrument including a second tax-deferred account, a fourth guarantee of a second protected value, and a fifth guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of the employee.

    摘要翻译: 根据本发明的一个实施例,金融工具包括第一个减税账户和第一,第二和第三担保。 第一个减税账户的帐户余额部分取决于从工资支付给雇员的扣除额。 第一个担保是以最低增长率增长的存款为基础的第一个保护价值的保证第二个担保是一个保证,受益人可以定期在雇员的一生中获得一笔金额的转移。 第三个担保是保证第一个受保护价值可以与第一个递延递延账户一起转移到一个单独的金融工具,包括第二个减值账户,第二个保护价值的第四个担保,以及一个受益人的第五个担保 可能会定期收到雇员的一生中的一笔金额的转移。

    Financial Instrument Utilizing an Optional Benefit Election
    4.
    发明申请
    Financial Instrument Utilizing an Optional Benefit Election 有权
    利用选择性利益选举的金融工具

    公开(公告)号:US20110145170A1

    公开(公告)日:2011-06-16

    申请号:US13035003

    申请日:2011-02-25

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/06 G06Q40/00 G06Q40/08

    摘要: According to one embodiment of the invention, a financial instrument includes an account with an account balance that changes over time, wherein at least part of the account balance may be discretionarily withdrawn and wherein the initial account balance is based upon an initial deposit; a guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of a first designated party, wherein the transfer may be due to withdrawal from the account or due to benefit payments made to the beneficiary, provided that the amount may vary based upon withdrawals from the account in excess of a particular limit; and an option to modify the guarantee such that upon election the beneficiary may periodically receive the transfer of the amount of money for the longer of the life of the first designated party and the life of a second designated party.

    摘要翻译: 根据本发明的一个实施例,金融工具包括具有随时间变化的账户余额的账户,其中账户余额的至少一部分可以被任意撤回,并且其中初始账户余额基于初始存款; 受益人可以定期在第一指定方的生命周期中接收一笔款项的转让,其中转移可能是由于从该账户中提款或由于向受益人支付的利益而支付的,前提是该金额可能 根据超出特定限额的帐户提款而有所不同; 以及修改担保的选择,使得在选举之后,受益人可以定期收到第一个指定方的寿命较长的第二个指定方的生命金额的转移。

    System and Method for Facilitating Management of a Financial Instrument
    5.
    发明申请
    System and Method for Facilitating Management of a Financial Instrument 有权
    促进金融工具管理的制度与方法

    公开(公告)号:US20100217627A1

    公开(公告)日:2010-08-26

    申请号:US12769109

    申请日:2010-04-28

    IPC分类号: G06Q40/00

    摘要: A computer-implemented method for facilitating the management of a financial instrument includes determining an account balance for a financial account. The financial account includes an investment portfolio and a springing guarantee of an income base for a retirement income. The retirement income includes periodic monetary transfers to be commenced at a target retirement date. Each periodic monetary transfer has a respective value based on the income base. The springing guarantee of the income base may be activated on an activation date. The account balance is stored in memory of the data processing system. The stored account balance is periodically updated based at least in part on market performance of the investment portfolio. Using a computing system, the activation date is determined based at least in part on the target retirement date and the income base is determined. A respective value is outputted for each one of the periodic monetary transfers. The respective value of each one of the periodic monetary transfers is based on the value of the stored income base at a time proximate the one of the periodic monetary transfers.

    摘要翻译: 用于促进金融工具的管理的计算机实现的方法包括确定金融账户的账户余额。 财务账户包括投资组合和退休收入基金的弹性担保。 退休收入包括在目标退休日开始的定期货币转移。 每次定期货币转移都有相应的收入基础。 收入基金的激增担保可以在激活日期激活。 账户余额存储在数据处理系统的存储器中。 存储的帐户余额至少部分地基于投资组合的市场表现来定期更新。 使用计算系统,至少部分地基于目标退休日确定激活日期,确定收入基数。 为每个周期性货币转移输出相应的值。 每个定期货币转移中的每一个的相应价值都是基于在一个周期性货币转移附近存储的收入基数的价值。

    Financial Instrument Utilizing an Optional Benefit Election
    6.
    发明申请
    Financial Instrument Utilizing an Optional Benefit Election 有权
    利用选择性利益选举的金融工具

    公开(公告)号:US20100153141A1

    公开(公告)日:2010-06-17

    申请号:US12713977

    申请日:2010-02-26

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/06 G06Q40/00 G06Q40/08

    摘要: According to one embodiment of the invention, a financial instrument includes an account with an account balance that changes over time, wherein at least part of the account balance may be discretionarily withdrawn and wherein the initial account balance is based upon an initial deposit; a guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of a first designated party, wherein the transfer may be due to withdrawal from the account or due to benefit payments made to the beneficiary, provided that the amount may vary based upon withdrawals from the account in excess of a particular limit; and an option to modify the guarantee such that upon election the beneficiary may periodically receive the transfer of the amount of money for the longer of the life of the first designated party and the life of a second designated party.

    摘要翻译: 根据本发明的一个实施例,金融工具包括具有随时间变化的账户余额的账户,其中账户余额的至少一部分可以被任意撤回,并且其中初始账户余额基于初始存款; 受益人可以定期在第一指定方的生命周期中接收一笔款项的转让,其中转移可能是由于从该账户中提款或由于向受益人支付的利益而支付的,前提是该金额可能 根据超出特定限额的帐户提款而有所不同; 以及修改担保的选择,使得在选举之后,受益人可以定期收到第一个指定方的寿命较长的第二个指定方的生命金额的转移。

    Financial Instrument Utilizing a Customer Specific Date
    7.
    发明申请
    Financial Instrument Utilizing a Customer Specific Date 有权
    使用客户具体日期的金融工具

    公开(公告)号:US20080071679A1

    公开(公告)日:2008-03-20

    申请号:US11531948

    申请日:2006-09-14

    申请人: Mark J. Foley

    发明人: Mark J. Foley

    IPC分类号: G06Q40/00

    摘要: According to one embodiment of the invention, a financial instrument issued to a customer includes an account and a guarantee of a protected value. The account has an account balance that changes over time, wherein at least part of the account balance is based on an initial deposit into the account. The protected value is fixed at the time of a particular event at a value at least equal to the greatest of the initial deposit, the account balance at the time of the particular event, and the highest value of the account balance on at least one anniversary of a customer specific date between the date of the initial deposit and the time of the particular event. The customer specific date is specific to the customer, determined no later than the time the financial instrument is issued, and independent of any transaction specific date related to the financial instrument.

    摘要翻译: 根据本发明的一个实施例,向客户发行的金融工具包括账户和保护价值的担保。 该帐户具有随时间变化的帐户余额,其中至少部分帐户余额是基于帐户中的初始存款。 受保护价值在特定事件发生时固定在至少等于初始存款最大值,特定事件发生时的账户余额和至少一周年时的账户余额的最高值的值 在初始存款日期与特定事件的时间之间的客户具体日期。 客户具体日期特定于客户,不迟于金融工具发行时间确定,独立于与金融工具相关的任何交易具体日期。

    Financial Instrument Providing a Portable Guarantee
    8.
    发明申请
    Financial Instrument Providing a Portable Guarantee 有权
    提供便携式担保的金融工具

    公开(公告)号:US20080071655A1

    公开(公告)日:2008-03-20

    申请号:US11531872

    申请日:2006-09-14

    IPC分类号: G06Q40/00

    CPC分类号: G06Q40/08 G06Q40/00 G06Q40/06

    摘要: According to one embodiment of the invention, a financial instrument includes a first tax-deferred account and first, second, and third guarantees. The first tax-deferred account has an account balance based in part on a deduction from wages paid to an employee. The first guarantee is a guarantee of a first protected value based upon a deposit growing at a minimum growth rate The second guarantee is a guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of the employee. The third guarantee is a guarantee that the first protected value may be transferred with the first tax-deferred account to a separate financial instrument including a second tax-deferred account, a fourth guarantee of a second protected value, and a fifth guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of the employee.

    摘要翻译: 根据本发明的一个实施例,金融工具包括第一个减税账户和第一,第二和第三担保。 第一个减税账户的帐户余额部分取决于从工资支付给雇员的扣除额。 第一个担保是以最低增长率增长的存款为基础的第一个保护价值的保证第二个担保是一个保证,受益人可以定期在雇员的一生中获得一笔金额的转移。 第三个担保是保证第一个受保护价值可以与第一个递延递延账户一起转移到一个单独的金融工具,包括第二个减值账户,第二个保护价值的第四个保证金和受益人的第五个担保 可能会定期收到雇员的一生中的一笔金额的转移。