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1. 发明授权

US08359212B2 System and method for processing data related to longevity insurance 有权
标题翻译：处理长寿保险相关数据的制度和方法
公开(公告)号：US08359212B2
公开(公告)日：2013-01-22
申请号：US13221028
申请日：2011-08-30
申请人： Stephen T. Joyce
发明人： Stephen T. Joyce
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q40/08
摘要： The present invention provides a life insurance product known as longevity insurance. Longevity insurance mitigates longevity risk, the risk that an individual will outlive his or her assets. More specifically, the purchase of longevity insurance guarantees an individual a predetermined, periodic income payment for the life of the purchaser. The guaranteed stream of monthly income commences at a later date, which may be utilized to supplement an existing income level or provide income in the event that the individual outlives his or her accumulated assets.
摘要翻译：本发明提供一种称为长寿保险的寿险产品。长寿保险减轻长寿风险，个人将超过其资产的风险。更具体地说，购买长寿保险可以保证个人在购买者的生命周期内获得预定的定期收入。保证的月收入流在以后开始，可用于补充现有收入水平，或者在个人超过其累积资产的情况下提供收入。

2. 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。

3. 发明授权

US08010388B2 Longevity insurance 有权
标题翻译：长寿保险
公开(公告)号：US08010388B2
公开(公告)日：2011-08-30
申请号：US11654489
申请日：2007-01-17
申请人： Stephen T. Joyce
发明人： Stephen T. Joyce
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q40/08
摘要： The present invention provides a life insurance product known as longevity insurance. Longevity insurance mitigates longevity risk, the risk that an individual will outlive his or her assets. More specifically, the purchase of longevity insurance guarantees an individual a predetermined, periodic income payment for the life of the purchaser. The guaranteed stream of monthly income commences at a later date, which may be utilized to supplement an existing income level or provide income in the event that the individual outlives his or her accumulated assets.
摘要翻译：本发明提供一种称为长寿保险的寿险产品。长寿保险减轻长寿风险，个人将超过其资产的风险。更具体地说，购买长寿保险可以保证个人在购买者的生命周期内获得预定的定期收入。保证的月收入流在以后开始，可用于补充现有收入水平，或者在个人超过其累积资产的情况下提供收入。

4. 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。

5. 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。

6. 发明申请

US20110313796A1 SYSTEM AND METHOD FOR PROCESSING DATA RELATED TO LONGEVITY INSURANCE 有权
标题翻译：用于处理与长期保险有关的数据的系统和方法
公开(公告)号：US20110313796A1
公开(公告)日：2011-12-22
申请号：US13221028
申请日：2011-08-30
申请人： Stephen T. Joyce
发明人： Stephen T. Joyce
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q40/00 , G06Q40/08
摘要： The present invention provides a life insurance product known as longevity insurance. Longevity insurance mitigates longevity risk, the risk that an individual will outlive his or her assets. More specifically, the purchase of longevity insurance guarantees an individual a predetermined, periodic income payment for the life of the purchaser. The guaranteed stream of monthly income commences at a later date, which may be utilized to supplement an existing income level or provide income in the event that the individual outlives his or her accumulated assets.
摘要翻译：本发明提供一种称为长寿保险的寿险产品。长寿保险减轻长寿风险，个人将超过其资产的风险。更具体地说，购买长寿保险可以保证个人在购买者的生命周期内获得预定的定期收入。保证的月收入流在以后开始，可用于补充现有收入水平，或者在个人超过其累积资产的情况下提供收入。

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