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1. 发明授权

US07979337B2 System and method for managing and administering a lifetime income share plan 有权
标题翻译：管理和管理终身收入分成计划的制度和方法
公开(公告)号：US07979337B2
公开(公告)日：2011-07-12
申请号：US12890869
申请日：2010-09-27
申请人： Jonathan L. Mercier , Patricia L. Harris
发明人： Jonathan L. Mercier , Patricia L. Harris
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 certifies that an individual is entitled to receive a predetermined, periodic income payment for the life of the purchaser. Additionally, the lifetime income shares of the present invention may be purchased and distributed to participants by a third party (e.g. commingled fund). The third party wishing to provide the lifetime income shares of the present invention to participants may purchase a predetermined amount of shares of an annuity from the underwriting organization and distribute it to the participants. This plan has an investment phase, a distribution phase, and a payout phase. Once the payout phase begins, the stream of monthly income commences at a specified age or date.
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证明个人有权在购买者的生命中收到预定的定期收入付款。此外，本发明的终生收入份额可以由第三方购买并分发给参与者（例如混合资金）。希望向参与者提供本发明的终生收入份额的第三方可以从承销组织购买预定金额的年金股份，并将其分配给参与者。这个计划有投资阶段，分配阶段和支付阶段。一旦支付阶段开始，每月收入的流量在指定的年龄或日期开始。

2. 发明申请

US20110016061A1 SYSTEM AND METHOD FOR MANAGING AND ADMINISTERING A LIFETIME INCOME SHARE PLAN 有权
标题翻译：管理和管理生命收入共享计划的系统和方法
公开(公告)号：US20110016061A1
公开(公告)日：2011-01-20
申请号：US12890869
申请日：2010-09-27
申请人： Jonathan L. Mercier , Patricia L. Harris
发明人： Jonathan L. Mercier , Patricia L. Harris
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 certifies that an individual is entitled to receive a predetermined, periodic income payment for the life of the purchaser. Additionally, the lifetime income shares of the present invention may be purchased and distributed to participants by a third party (e.g. comingled fund). The third party wishing to provide the lifetime income shares of the present invention to participants may purchase a predetermined amount of shares of an annuity from the underwriting organization and distribute it to the participants. This plan has an investment phase, a distribution phase, and a payout phase. Once the payout phase begins, the stream of monthly income commences at a specified age or date.
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证明个人有权在购买者的生命中收到预定的定期收入付款。此外，本发明的终生收入份额可以由第三方购买并分发给参与者（例如，流出的基金）。希望向参与者提供本发明的终生收入份额的第三方可以从承销组织购买预定金额的年金股份，并将其分配给参与者。这个计划有投资阶段，分配阶段和支付阶段。一旦支付阶段开始，每月收入的流量在指定的年龄或日期开始。

3. 发明申请

US20080301035A1 System and method for managing and administering a lifetime income share plan 有权
标题翻译：管理和管理终身收入分成计划的制度和方法
公开(公告)号：US20080301035A1
公开(公告)日：2008-12-04
申请号：US12152530
申请日：2008-05-15
申请人： Jonathan L. Mercier , Patricia L. Harris
发明人： Jonathan L. Mercier , Patricia L. Harris
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 certifies that an individual is entitled to receive a predetermined, periodic income payment for the life of the purchaser. Additionally, the lifetime income shares of the present invention may be purchased and distributed to participants by a third party (e.g. commingled fund). The third party wishing to provide the lifetime income shares of the present invention to participants may purchase a predetermined amount of shares of an annuity from the underwriting organization and distribute it to the participants. This plan has an investment phase, a distribution phase, and a payout phase. Once the payout phase begins, the stream of monthly income commences at a specified age or date.
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证明个人有权在购买者的生命中收到预定的定期收入付款。此外，本发明的终生收入份额可以由第三方购买并分发给参与者（例如混合资金）。希望向参与者提供本发明的终生收入份额的第三方可以从承销组织购买预定金额的年金股份，并将其分配给参与者。这个计划有投资阶段，分配阶段和支付阶段。一旦支付阶段开始，每月收入的流量在指定的年龄或日期开始。

4. 发明申请

US20120290504A1 SYSTEM AND METHOD FOR PROCESSING DATA FOR INSTRUMENTS IN MULTIPLE CLASSES FOR PROVIDING DEFERRED INCOME 有权
标题翻译：用于处理提取收入的多个类别中的仪器的数据的系统和方法
公开(公告)号：US20120290504A1
公开(公告)日：2012-11-15
申请号：US13555381
申请日：2012-07-23
申请人： Jonathan L. Mercier , Patricia L. Harris
发明人： Jonathan L. Mercier , Patricia L. Harris
IPC分类号： G06Q40/06
CPC分类号： G06Q40/08 , G06Q40/12
摘要： A computer system for processing data related to financial instruments for providing deferred income includes a data storage device storing data relating to financial instruments representing a right to receive deferred periodic payments includes, for classes of financial instruments, a price, payment amount and frequency, deferral data, and one or more permitted values of one or more actuarial factors of purchasers. The system further includes a processor configured to receive via a communication module data indicative of a request to purchase financial instruments, including a purchase payment amount and one or more values of the one or more actuarial factors of an individual purchaser, and to determine, based on the received data, a number and class of the financial instruments for issue to the individual purchaser and to output data for generation of the determined number and class of the financial instruments for issue to the individual purchaser.
摘要翻译：用于处理与用于提供递延收益的金融工具有关的数据的计算机系统包括存储与代表接受递延定期支付权的金融工具有关的数据的数据存储装置，包括金融工具类别的价格，支付金额和频率，延期数据和购买者的一个或多个精算因素的一个或多个允许值。该系统还包括处理器，其被配置为经由通信模块接收指示购买金融工具的请求的数据，包括购买支付金额和个体购买者的一个或多个精算因子的一个或多个值，并且基于根据收到的数据，将个数和类别的金融工具发给个人购买者，并向个人购买者输出产生确定的金融工具数量和类别的数据。

5. 发明授权

US08229829B2 System and method for processing data related to financial instruments for providing deferred income 有权
标题翻译：处理与提供递延收益金融工具有关的数据的制度和方法
公开(公告)号：US08229829B2
公开(公告)日：2012-07-24
申请号：US13337656
申请日：2011-12-27
申请人： Jonathan L. Mercier , Patricia L. Harris
发明人： Jonathan L. Mercier , Patricia L. Harris
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/12
摘要： A computer system for processing data related to financial instruments for providing deferred income includes a data storage device storing data relating to financial instruments representing a right to receive a fixed amount at fixed intervals for a lifetime commencing at a fixed start date, and, for classes of financial instruments, a price of the instrument, the fixed amount, interval and start date. The system further includes a processor configured to receive via a communication module data indicative of a request to purchase financial instruments, including a payment amount, age of the individual purchaser, and to determine, based on the received payment amount and age data, a number and class of the financial instruments for issue to the individual purchaser and to output data for generation of the determined number and class of the financial instruments for issue to the individual purchaser.
摘要翻译：用于处理与用于提供递延收益的金融工具相关的数据的计算机系统包括：数据存储装置，存储有关金融工具的数据，该金融工具表示在固定的开始日期从固定的间隔开始固定的金额，的金融工具，仪器的价格，固定金额，间隔和开始日期。该系统还包括处理器，其被配置为经由通信模块接收指示购买金融工具的请求的数据，包括支付金额，个体购买者的年龄，并且基于接收的支付金额和年龄数据来确定数字以及向个别购买者发放的金融工具类别，并向个人购买者输出产生确定的金融工具数量和类别的数据。

6. 发明申请

US20120116999A1 SYSTEM AND METHOD FOR PROCESSING DATA RELATED TO FINANCIAL INSTRUMENTS FOR PROVIDING DEFERRED INCOME 有权
标题翻译：处理与递延收益金融工具相关的数据的系统和方法
公开(公告)号：US20120116999A1
公开(公告)日：2012-05-10
申请号：US13337656
申请日：2011-12-27
申请人： Jonathan L. MERCIER , Patricia L. HARRIS
发明人： Jonathan L. MERCIER , Patricia L. HARRIS
IPC分类号： G06Q40/06
CPC分类号： G06Q40/08 , G06Q40/12
摘要： A computer system for processing data related to financial instruments for providing deferred income includes a data storage device storing data relating to financial instruments representing a right to receive a fixed amount at fixed intervals for a lifetime commencing at a fixed start date, and, for classes of financial instruments, a price of the instrument, the fixed amount, interval and start date. The system further includes a processor configured to receive via a communication module data indicative of a request to purchase financial instruments, including a payment amount, age of the individual purchaser, and to determine, based on the received payment amount and age data, a number and class of the financial instruments for issue to the individual purchaser and to output data for generation of the determined number and class of the financial instruments for issue to the individual purchaser.
摘要翻译：用于处理与用于提供递延收益的金融工具相关的数据的计算机系统包括：数据存储装置，存储有关金融工具的数据，该金融工具表示在固定的开始日期从固定的间隔开始固定的金额，的金融工具，仪器的价格，固定金额，间隔和开始日期。该系统还包括处理器，其被配置为经由通信模块接收指示购买金融工具的请求的数据，包括支付金额，个体购买者的年龄，并且基于接收的支付金额和年龄数据来确定数字以及向个别购买者发放的金融工具类别，并向个人购买者输出产生确定的金融工具数量和类别的数据。

7. 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。

8. 发明授权

US08374945B2 System and method for processing data for instruments in multiple classes for providing deferred income 有权
标题翻译：处理多类工具数据的系统和方法，用于提供递延收益
公开(公告)号：US08374945B2
公开(公告)日：2013-02-12
申请号：US13555381
申请日：2012-07-23
申请人： Jonathan L. Mercier , Patricia L. Harris
发明人： Jonathan L. Mercier , Patricia L. Harris
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/12
摘要： A computer system for processing data related to financial instruments for providing deferred income includes a data storage device storing data relating to financial instruments representing a right to receive deferred periodic payments includes, for classes of financial instruments, a price, payment amount and frequency, deferral data, and one or more permitted values of one or more actuarial factors of purchasers. The system further includes a processor configured to receive via a communication module data indicative of a request to purchase financial instruments, including a purchase payment amount and one or more values of the one or more actuarial factors of an individual purchaser, and to determine, based on the received data, a number and class of the financial instruments for issue to the individual purchaser and to output data for generation of the determined number and class of the financial instruments for issue to the individual purchaser.
摘要翻译：用于处理与用于提供递延收益的金融工具有关的数据的计算机系统包括存储与代表接受递延定期支付权的金融工具有关的数据的数据存储装置，包括金融工具类别的价格，支付金额和频率，延期数据和购买者的一个或多个精算因素的一个或多个允许值。该系统还包括处理器，其被配置为经由通信模块接收指示购买金融工具的请求的数据，包括购买支付金额和个体购买者的一个或多个精算因子的一个或多个值，并且基于根据收到的数据，将个数和类别的金融工具发给个人购买者，并向个人购买者输出产生确定的金融工具数量和类别的数据。

9. 发明申请

US20110264604A1 SYSTEM AND METHOD FOR PROCESSING DATA RELATED TO CONVERTIBLE FINANCIAL INSTRUMENTS 有权
标题翻译：用于处理与可转换金融工具有关的数据的系统和方法
公开(公告)号：US20110264604A1
公开(公告)日：2011-10-27
申请号：US13178426
申请日：2011-07-07
申请人： Jonathan L. Mercier , Patricia L. Harris
发明人： Jonathan L. Mercier , Patricia L. Harris
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 certifies that an individual is entitled to receive a predetermined, periodic income payment for the life of the purchaser. Additionally, the lifetime income shares of the present invention may be purchased and distributed to participants by a third party (e.g. commingled fund). The third party wishing to provide the lifetime income shares of the present invention to participants may purchase a predetermined amount of shares of an annuity from the underwriting organization and distribute it to the participants. This plan has an investment phase, a distribution phase, and a payout phase. Once the payout phase begins, the stream of monthly income commences at a specified age or date.
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证明个人有权在购买者的生命中收到预定的定期收入付款。此外，本发明的终生收入份额可以由第三方购买并分发给参与者（例如混合资金）。希望向参与者提供本发明的终生收入份额的第三方可以从承销组织购买预定金额的年金股份，并将其分配给参与者。这个计划有投资阶段，分配阶段和支付阶段。一旦支付阶段开始，每月收入的流量在指定的年龄或日期开始。

10. 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。

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