专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明申请

US20110119095A1 SYSTEM AND METHOD FOR ADMINISTERING A LIFETIME INCOME SHARE PLAN 有权
标题翻译：管理利润收入分配计划的制度与方法
公开(公告)号：US20110119095A1
公开(公告)日：2011-05-19
申请号：US12952279
申请日：2010-11-23
申请人： Jonathan L. Mercier , Ken A. McCullum
发明人： Jonathan L. Mercier , Ken A. McCullum
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/12
摘要： The present invention provides a system and method for administering an investment option known as a lifetime income share. Lifetime income shares mitigate survival risk, the risk that an individual will outlive his or her assets. More specifically, the purchase of a plurality of lifetime income shares guarantees an individual a predetermined, periodic income payment for the life of the purchaser. The guaranteed stream of monthly income commences at a specified age. Furthermore, the guaranteed stream is utilized to supplement an existing income level or provide income in the event that the individual outlives his or her accumulated liquid assets.
摘要翻译：本发明提供了一种管理被称为终身收入份额的投资期权的系统和方法。终生收入份额降低生存风险，个人将会超过其资产的风险。更具体地说，购买多个终生收入份额保证个人在购买者的生命中预先确定的定期收入付款。每月收入的保证流量在特定年龄开始。此外，保证流用于补充现有收入水平，或在个人超过其累积流动资产的情况下提供收入。

2. 发明授权

US07853509B2 Lifetime income 有权
标题翻译：终身收入
公开(公告)号：US07853509B2
公开(公告)日：2010-12-14
申请号：US11724839
申请日：2007-03-16
申请人： Jonathan L. Mercier , Ken A. McCullum
发明人： Jonathan L. Mercier , Ken A. McCullum
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/12
摘要： The present invention provides an investment option known as a lifetime income share. Lifetime income shares mitigate survival risk, the risk that an individual will outlive his or her assets. More specifically, the purchase of a plurality of lifetime income shares guarantees an individual a predetermined, periodic income payment for the life of the purchaser. The guaranteed stream of monthly income commences at a specified age. Furthermore, the guaranteed stream is utilized to supplement an existing income level or provide income in the event that the individual outlives his or her accumulated liquid assets.
摘要翻译：本发明提供了称为终身收入份额的投资期权。终生收入份额降低生存风险，个人将会超过其资产的风险。更具体地说，购买多个终生收入份额保证个人在购买者的生命中预先确定的定期收入付款。每月收入的保证流量在特定年龄开始。此外，保证流用于补充现有收入水平，或在个人超过其累积流动资产的情况下提供收入。

3. 发明申请

US20090094070A1 SYSTEM AND METHOD FOR PROCESSING AND ADMINISTERING FLEXIBLE GUARANTEED INCOME PAYMENTS 有权
标题翻译：用于处理和管理灵活保障的收入支付的系统和方法
公开(公告)号：US20090094070A1
公开(公告)日：2009-04-09
申请号：US12335742
申请日：2008-12-16
申请人： Patricia L. Harris , Stephen T. Joyce , Ken A. McCullum , Richard P. Rubin
发明人： Patricia L. Harris , Stephen T. Joyce , Ken A. McCullum , Richard P. Rubin
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q10/02 , G06Q40/06 , G06Q40/08
摘要： A system is provided for administering fixed income immediate and deferred payments in any of a plurality of different payout schemes selected by a purchaser to accommodate varying retirement income needs. The system can be configured to administer an immediate income annuity where payments start within one year and the system can also administer a deferred payout annuity through a single dual natured payout contract. Additional options available for administration by the system include options to permit the contract owner to change the annuity commencement date and the ability to commute future period certain periodic payments into a single lump sum payment.
摘要翻译：提供一种系统，用于以购买者选择的多种不同支付方案中的任何一种来管理固定收益即期和递延付款，以适应不同的退休收入需求。该系统可以配置为管理一年内支付开始的直接收入年金，系统还可以通过单一双重性质的支付合同管理延期支付年金。可供系统管理的其他选项包括允许合同所有者更改年金开工日期以及将某些定期付款转入一次性总付款的能力。

4. 发明申请

US20120101857A1 SYSTEM AND METHOD FOR PROCESSING AND ADMINISTERING IMMEDIATE AND DEFERRED GUARANTEED INCOME PAYMENTS 审中-公开
标题翻译：立即处理和管理的系统和方法
公开(公告)号：US20120101857A1
公开(公告)日：2012-04-26
申请号：US13341478
申请日：2011-12-30
申请人： Patricia L. Harris , Stephen T. Joyce , Ken A. McCullum , Richard P. Rubin
发明人： Patricia L. Harris , Stephen T. Joyce , Ken A. McCullum , Richard P. Rubin
IPC分类号： G06Q40/08
CPC分类号： G06Q40/00 , G06Q10/02 , G06Q40/06 , G06Q40/08
摘要： A system is provided for administering immediate and deferred payments in any of a plurality of different payout schemes selected by a purchaser to accommodate varying retirement income needs. The system can be configured to administer an immediate income annuity where payments start within a predetermined time period year and the system can also administer a deferred payout annuity through a single dual natured payout contract. Additional options available for administration by the system include options to permit the contract owner to change the annuity commencement date and the ability to commute future period certain periodic payments into a single lump sum payment.
摘要翻译：提供一种系统，用于以购买者选择的多种不同支付方案中的任何一种来管理即时和延期付款以适应不同的退休收入需求。该系统可以被配置为管理在预定时间段内开始付款的直接收入年金，并且系统还可以通过单个双重性质支付合同来管理延期支付年金。可供系统管理的其他选项包括允许合同所有者更改年金开工日期以及将某些定期付款转入一次性总付款的能力。

5. 发明授权

US08131622B2 System and method for administering a lifetime income share plan 有权
标题翻译：管理终身收入分配计划的制度和方法
公开(公告)号：US08131622B2
公开(公告)日：2012-03-06
申请号：US12952279
申请日：2010-11-23
申请人： Jonathan L. Mercier , Ken A. McCullum
发明人： Jonathan L. Mercier , Ken A. McCullum
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/12
摘要： The present invention provides a system and method for administering an investment option known as a lifetime income share. Lifetime income shares mitigate survival risk, the risk that an individual will outlive his or her assets. More specifically, the purchase of a plurality of lifetime income shares guarantees an individual a predetermined, periodic income payment for the life of the purchaser. The guaranteed stream of monthly income commences at a specified age. Furthermore, the guaranteed stream is utilized to supplement an existing income level or provide income in the event that the individual outlives his or her accumulated liquid assets.
摘要翻译：本发明提供了一种管理被称为终身收入份额的投资期权的系统和方法。终生收入份额降低生存风险，个人将会超过其资产的风险。更具体地说，购买多个终生收入份额保证个人在购买者的生命中预先确定的定期收入付款。每月收入的保证流量在特定年龄开始。此外，保证流用于补充现有收入水平，或在个人超过其累积流动资产的情况下提供收入。

6. 发明授权

US08112345B2 Lifetime income 有权
标题翻译：终身收入
公开(公告)号：US08112345B2
公开(公告)日：2012-02-07
申请号：US12959785
申请日：2010-12-03
申请人： Jonathan L. Mercier , Ken A. McCullum
发明人： Jonathan L. Mercier , Ken A. McCullum
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/12
摘要： The present invention provides an investment option known as a lifetime income share. Lifetime income shares mitigate survival risk, the risk that an individual will outlive his or her assets. More specifically, the purchase of a plurality of lifetime income shares guarantees an individual a predetermined, periodic income payment for the life of the purchaser. The guaranteed stream of monthly income commences at a specified age. Furthermore, the guaranteed stream is utilized to supplement an existing income level or provide income in the event that the individual outlives his or her accumulated liquid assets.
摘要翻译：本发明提供了称为终身收入份额的投资期权。终生收入份额降低生存风险，个人将会超过其资产的风险。更具体地说，购买多个终生收入份额保证个人在购买者的生命中预先确定的定期收入付款。每月收入的保证流量在特定年龄开始。此外，保证流用于补充现有收入水平，或在个人超过其累积流动资产的情况下提供收入。

7. 发明申请

US20080140586A1 System and method for administering a lifetime income share plan 有权
标题翻译：管理终身收入分配计划的制度和方法
公开(公告)号：US20080140586A1
公开(公告)日：2008-06-12
申请号：US11890005
申请日：2007-08-03
申请人： Jonathan L. Mercier , Ken A. Mccullum
发明人： Jonathan L. Mercier , Ken A. Mccullum
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/12
摘要： The present invention provides a system and method for administering an investment option known as a lifetime income share. Lifetime income shares mitigate survival risk, the risk that an individual will outlive his or her assets. More specifically, the purchase of a plurality of lifetime income shares guarantees an individual a predetermined, periodic income payment for the life of the purchaser. The guaranteed stream of monthly income commences at a specified age. Furthermore, the guaranteed stream is utilized to supplement an existing income level or provide income in the event that the individual outlives his or her accumulated liquid assets.
摘要翻译：本发明提供了一种管理被称为终身收入份额的投资期权的系统和方法。终生收入份额降低生存风险，个人将会超过其资产的风险。更具体地说，购买多个终生收入份额保证个人在购买者的生命中预先确定的定期收入付款。每月收入的保证流量在特定年龄开始。此外，保证流用于补充现有收入水平，或在个人超过其累积流动资产的情况下提供收入。

8. 发明授权

US08126746B2 System and method for processing and administering flexible guaranteed income payments 有权
标题翻译：处理和管理灵活保证收入支付的制度和方法
公开(公告)号：US08126746B2
公开(公告)日：2012-02-28
申请号：US12335742
申请日：2008-12-16
申请人： Patricia L. Harris , Stephen T. Joyce , Ken A. McCullum , Richard P. Rubin
发明人： Patricia L. Harris , Stephen T. Joyce , Ken A. McCullum , Richard P. Rubin
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q10/02 , G06Q40/06 , G06Q40/08
摘要： A system is provided for administering fixed income immediate and deferred payments in any of a plurality of different payout schemes selected by a purchaser to accommodate varying retirement income needs. The system can be configured to administer an immediate income annuity where payments start within one year and the system can also administer a deferred payout annuity through a single dual natured payout contract. Additional options available for administration by the system include options to permit the contract owner to change the annuity commencement date and the ability to commute future period certain periodic payments into a single lump sum payment.
摘要翻译：提供一种系统，用于以购买者选择的多种不同支付方案中的任何一种来管理固定收益即期和递延付款，以适应不同的退休收入需求。该系统可以配置为管理一年内支付开始的直接收入年金，系统还可以通过单一双重性质的支付合同管理延期支付年金。可供系统管理的其他选项包括允许合同所有者更改年金开工日期以及将某些定期付款转入一次性总付款的能力。

9. 发明申请

US20110077979A1 LIFETIME INCOME 有权
标题翻译： LIFETIME收入
公开(公告)号：US20110077979A1
公开(公告)日：2011-03-31
申请号：US12959785
申请日：2010-12-03
申请人： Jonathan L. Mercier , Ken A. McCullum
发明人： Jonathan L. Mercier , Ken A. McCullum
IPC分类号： G06Q40/00 , G06Q10/00
CPC分类号： G06Q40/08 , G06Q40/12
摘要： The present invention provides an investment option known as a lifetime income share. Lifetime income shares mitigate survival risk, the risk that an individual will outlive his or her assets. More specifically, the purchase of a plurality of lifetime income shares guarantees an individual a predetermined, periodic income payment for the life of the purchaser. The guaranteed stream of monthly income commences at a specified age. Furthermore, the guaranteed stream is utilized to supplement an existing income level or provide income in the event that the individual outlives his or her accumulated liquid assets.
摘要翻译：本发明提供了称为终身收入份额的投资期权。终生收入份额降低生存风险，个人将会超过其资产的风险。更具体地说，购买多个终生收入份额保证个人在购买者的生命中预先确定的定期收入付款。每月收入的保证流量在特定年龄开始。此外，保证流用于补充现有收入水平，或在个人超过其累积流动资产的情况下提供收入。

10. 发明授权

US07840469B2 System and method for administering a lifetime income share plan 有权
标题翻译：管理终身收入分配计划的制度和方法
公开(公告)号：US07840469B2
公开(公告)日：2010-11-23
申请号：US11890005
申请日：2007-08-03
申请人： Jonathan L. Mercier , Ken A. Mccullum
发明人： Jonathan L. Mercier , Ken A. Mccullum
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/12
摘要： The present invention provides a system and method for administering an investment option known as a lifetime income share. Lifetime income shares mitigate survival risk, the risk that an individual will outlive his or her assets. More specifically, the purchase of a plurality of lifetime income shares guarantees an individual a predetermined, periodic income payment for the life of the purchaser. The guaranteed stream of monthly income commences at a specified age. Furthermore, the guaranteed stream is utilized to supplement an existing income level or provide income in the event that the individual outlives his or her accumulated liquid assets.
摘要翻译：本发明提供了一种管理被称为终身收入份额的投资期权的系统和方法。终生收入份额降低生存风险，个人将会超过其资产的风险。更具体地说，购买多个终生收入份额保证个人在购买者的生命中预先确定的定期收入付款。每月收入的保证流量在特定年龄开始。此外，保证流用于补充现有收入水平，或在个人超过其累积流动资产的情况下提供收入。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式