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1. 发明授权

US08352351B1 Reducing accounting volatility and risk 有权
标题翻译：减少会计波动和风险
公开(公告)号：US08352351B1
公开(公告)日：2013-01-08
申请号：US13346677
申请日：2012-01-09
申请人： Wendy J. Engel , Wayne F. Perg , Matthew B. Schoen
发明人： Wendy J. Engel , Wayne F. Perg , Matthew B. Schoen
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/04
摘要： Memory storing terms of a contract for reducing accounting volatility and risk, the terms including specification of at least one measure of variation in a rate of return corresponding to a return on an investment portfolio, a variable speed of adjustment factor and a contract rate of return on an investment associated with the investment portfolio, wherein the amount of the measure of the variation changes over time; a computer computing an amount for the at least one measure of variation, calculating an amount for the adjustment speed factor and using the amounts in: determining at least one of a contract rate of return on the investment associated with the investment portfolio and a contract value for the investment associated with the investment portfolio to produce output.
摘要翻译：记录存储减少会计波动和风险的合同条款，包括规定与投资组合回报相对应的至少一种收益率变化量度量，调整因素的可变速度和合同收益率的条款对与投资组合相关的投资，其中变化的量度的量随时间而变化; 计算所述至少一个变化量度的量，计算所述调整速度因子的量并使用所述金额：确定与所述投资组合相关联的投资的合同收益率和合同价值中的至少一个用于与投资组合相关的投资产出。

2. 发明申请

US20110035331A1 REDUCING ACCOUNTING VOLATILITY 有权
标题翻译：减少会计波动
公开(公告)号：US20110035331A1
公开(公告)日：2011-02-10
申请号：US12854151
申请日：2010-08-10
申请人： Wendy J. Engel , Wayne F. Perg
发明人： Wendy J. Engel , Wayne F. Perg
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/04
摘要： A method, machine, article for reducing accounting volatility. A method can include: storing in memory terms of an agreement governing a contract, the terms including a specification of at least one measure of a variation in a rate of return corresponding to a return on an investment portfolio and a contract rate of return on an investment associated with the investment portfolio determined by using an amount of the at least one measure of the variation, wherein the amount of the measure of the variation changes over time; determining, by a digital computer accessing the memory and receiving market data including data corresponding to the at least one measure of the variation, the amount of the variation; determining, by the computer receiving market data including data on the rate of return on the investment portfolio and by using the amount of the variation, at least one of a contract rate of return on the investment associated with the investment portfolio and a contract value for the investment associated with the investment portfolio; and outputting, by the computer, at least one of the determined contract rate of return and the determined contract value. At least one measure of the variation includes at least one of: a variance, a covariance, a coefficient of variation, a standard deviation, a semi-variance, a semi-standard deviation, a third central moment, a fourth central moment, a duration, and a volatility index.
摘要翻译：一种减少会计波动的方法，机器，文章。一种方法可以包括：在存储条件中存储管理合同的协议，该术语包括对与投资组合的回报相对应的回报率的变化率的至少一个度量的标准以及合同的收益率通过使用所述变化的所述至少一个量度的量来确定与所述投资组合相关联的投资，其中所述变化的量度的量随时间而变化; 通过访问所述存储器并接收包括对应于所述变化的所述至少一个量度的数据的市场数据来确定所述变化量; 由计算机接收包括投资组合的回报率数据的市场数据和通过使用变动金额确定与投资组合相关的投资的合同收益率中的至少一个以及合同价值与投资组合相关的投资; 以及由所述计算机输出所确定的合同回报率和确定的合同价值中的至少一个。变化的至少一个量度包括以下中的至少一个：方差，协方差，变异系数，标准偏差，半方差，半标准偏差，第三中心时刻，第四中心时刻，持续时间和波动指数。

3. 发明授权

US08095448B2 Reducing accounting volatility 有权
标题翻译：减少会计波动
公开(公告)号：US08095448B2
公开(公告)日：2012-01-10
申请号：US12854151
申请日：2010-08-10
申请人： Wendy J. Engel , Wayne F. Perg
发明人： Wendy J. Engel , Wayne F. Perg
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/04
摘要： A method, machine, article for reducing accounting volatility. A method can include: storing in memory terms of an agreement governing a contract, the terms including a specification of at least one measure of a variation in a rate of return corresponding to a return on an investment portfolio and a contract rate of return on an investment associated with the investment portfolio determined by using an amount of the at least one measure of the variation, wherein the amount of the measure of the variation changes over time; determining, by a digital computer accessing the memory and receiving market data including data corresponding to the at least one measure of the variation, the amount of the variation; determining, by the computer receiving market data including data on the rate of return on the investment portfolio and by using the amount of the variation, at least one of a contract rate of return on the investment associated with the investment portfolio and a contract value for the investment associated with the investment portfolio; and outputting, by the computer, at least one of the determined contract rate of return and the determined contract value. At least one measure of the variation includes at least one of: a variance, a covariance, a coefficient of variation, a standard deviation, a semi-variance, a semi-standard deviation, a third central moment, a fourth central moment, a duration, and a volatility index.
摘要翻译：一种减少会计波动的方法，机器，文章。一种方法可以包括：在存储条件中存储管理合同的协议，该术语包括对与投资组合的回报相对应的回报率的变化率的至少一个度量的标准以及合同的收益率通过使用所述变化的所述至少一个量度的量来确定与所述投资组合相关联的投资，其中所述变化的量度的量随时间而变化; 通过访问所述存储器并接收包括对应于所述变化的所述至少一个量度的数据的市场数据来确定所述变化量; 由计算机接收包括投资组合的回报率数据的市场数据和通过使用变动金额确定与投资组合相关的投资的合同收益率中的至少一个以及合同价值与投资组合相关的投资; 以及由所述计算机输出所确定的合同回报率和确定的合同价值中的至少一个。变化的至少一个量度包括以下中的至少一个：方差，协方差，变异系数，标准偏差，半方差，半标准偏差，第三中心时刻，第四中心时刻，持续时间和波动指数。

4. 发明授权

US5839118A System and method for premium optimization and loan monitoring 失效
标题翻译：优质优化和贷款监控的系统和方法
公开(公告)号：US5839118A
公开(公告)日：1998-11-17
申请号：US587051
申请日：1996-01-16
申请人： Raymond B. Ryan , Wendy J. Engel , Samuel Melamed
发明人： Raymond B. Ryan , Wendy J. Engel , Samuel Melamed
IPC分类号： G06Q20/10 , G06Q40/00 , G06F17/60
CPC分类号： G06Q40/08 , G06Q20/10 , G06Q40/00 , G06Q40/025 , G06Q40/06 , G06Q40/10
摘要： A system and process linking an external computer with an illustration system of an insurance carrier and a system of an independent lending institution, via modem, to determine the optimal premium structure for a contemplated variable life insurance product using a portion of the policy owner's money and a lending institution loan to finance the premium. The system and process can also provide for simultaneously tracking several variable life insurance policy cash values to ensure each individual policy cash value is adequate for collateral purposes.
摘要翻译：一种将外部计算机与保险公司的图示系统和独立贷款机构的系统通过调制解调器连接的系统和过程，以使用部分政策所有者的钱来确定预期的可变人寿保险产品的最优溢价结构，贷款机构贷款融资保费。系统和流程还可以同时跟踪几个可变人寿保险现金价值，以确保每个个人的政策现金价值足以用于抵押。

5. 发明授权

US07774256B1 System and method to minimize accounting volatility from owning equities and other investment assets 有权
标题翻译：从拥有股权和其他投资资产中减少会计波动的制度和方法
公开(公告)号：US07774256B1
公开(公告)日：2010-08-10
申请号：US10375770
申请日：2003-02-27
申请人： Raymond B Ryan , Wendy J. Engel
发明人： Raymond B Ryan , Wendy J. Engel
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00
摘要： A system computing performance statistics for an investment fund or similar investment vehicle, computing a minimum investment performance corridor guarantee provided by an underwriter, and computing the amount of reimbursement due, if any, from an underwriter if the investment is liquidated at a point in time. Also, the system accepts hypothetical data with respect to investment performance and underwriter terms. The system then illustrates underwriter risk exposure and potential investor reimbursements under different fact combinations.
摘要翻译：计算投资基金或类似投资工具的绩效统计的系统，计算承销商提供的最低投资绩效走廊保证金，以及如果投资在某个时间点清算，则计算承销商应支付的金额（如果有的话）。此外，系统接受投资业绩和承销商条款的假设数据。然后，该制度说明了不同事实组合下的承销商风险敞口和潜在投资者报销。

6. 发明授权

US06304859B1 System and method for premium optimization and loan monitoring 有权
标题翻译：优质优化和贷款监控的系统和方法
公开(公告)号：US06304859B1
公开(公告)日：2001-10-16
申请号：US09193366
申请日：1998-11-17
申请人： Raymond B. Ryan , Wendy J. Engel , Samuel Melamed
发明人： Raymond B. Ryan , Wendy J. Engel , Samuel Melamed
IPC分类号： G06F1760
CPC分类号： G06Q40/08 , G06Q20/10 , G06Q40/00 , G06Q40/025 , G06Q40/06 , G06Q40/10
摘要： A system and process linking an external computer with an illustration system of an insurance carrier and a system of an independent lending institution, via modem, to determine the optimal premium structure for a contemplated variable life insurance product using a portion of the policy owner's money and a lending institution loan to finance the premium. The system and process can also provide for simultaneously tracking several variable life insurance policy cash values to ensure each individual policy cash value is adequate for collateral purposes.
摘要翻译：一种将外部计算机与保险公司的图示系统和独立贷款机构的系统通过调制解调器连接的系统和过程，以使用部分政策所有者的钱来确定预期的可变人寿保险产品的最优溢价结构，贷款机构贷款融资保费。系统和流程还可以同时跟踪几个可变人寿保险现金价值，以确保每个个人的政策现金价值足以用于抵押。

7. 发明授权

US06205434B1 Computerized indenture plan allocation determination management and reporting system 失效
标题翻译：计算机化契约计划分配决策管理和报告制度
公开(公告)号：US06205434B1
公开(公告)日：2001-03-20
申请号：US08574057
申请日：1995-12-18
申请人： Raymond B. Ryan , Wendy J. Engel
发明人： Raymond B. Ryan , Wendy J. Engel
IPC分类号： G06F1760
CPC分类号： G06Q40/02 , G06Q40/06 , Y10S707/99945 , Y10S707/99948
摘要： A computerized indenture plan allocation determination, management and reporting system and method is disclosed. The system determines allocations relating to an indenture plan, manages indenture plan assets and reports allocation information to an administration system. The system includes a controller and a number of user workstations. The controller is coupled to administration system. The controller receives indenture plan information electronically transmitted from the administration system. The user workstations, also coupled to the controller, electronically transmits expense information to the controller. The controller, upon receipt of the expense information, determines allocation information for the indenture plan, determines management information as a function of the indenture plan information, and electronically transmits the allocation information and the management information to the administration system and/or some or all of the user workstations. In short, the controller monitors corporate benefits paid, compares corporate benefits paid to cumulative life insurance policy distributions and compares unreimbursed corporate benefit expenses with life insurance policy benefits payable to determine an amount available for distribution.
摘要翻译：公开了计算机化契约计划分配确定，管理和报告制度及方法。系统确定与契约计划相关的分配，管理契约计划资产和向管理系统报告分配信息。该系统包括一个控制器和多个用户工作站。控制器耦合到管理系统。控制器从管理系统接收电子传送的契约计划信息。也耦合到控制器的用户工作站将费用信息电子地传送到控制器。控制人在接收到费用信息后，确定契约计划的分配信息，确定作为契约计划信息的函数的管理信息，并将分配信息和管理信息电子地发送到管理系统和/或一些或全部的用户工作站。简而言之，控制人监控支付的公司利益，比较支付给累积人寿保险单分配的公司利益，并将未偿还的公司利益费用与应付的人寿保险政策利益进行比较，以确定可用于分配的数额。

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