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1. 发明授权

US08340986B2 Methods and systems for providing deferred annuities with an income reset feature 有权
标题翻译：向延期年金提供收入重置功能的方法和系统
公开(公告)号：US08340986B2
公开(公告)日：2012-12-25
申请号：US13106507
申请日：2011-05-12
申请人： Dylan W. Huang
发明人： Dylan W. Huang
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/00
摘要： Methods and corresponding systems are provided for providing and administering deferred annuities with an annuity reset feature that provide periodic income payments to an annuitant for a term beginning at a start date. The methods include the step or steps of: receiving annuity information for an annuitant; determining at a first date one of a purchase price and an amount of at least one income payment due to the annuitant at the start date. The purchase price or the amount of at least one income payment due the annuitant includes a fee for the annuity reset feature that resets at least one variable of the annuity at a reset date later than the first date if the at least one variable of the annuity at the reset date is more beneficial to the annuitant than at least the first date; and offering the annuity with the reset feature to the annuitant.
摘要翻译：提供了方法和相应的系统，用于向延期年金提供和管理延期年金，年金复位功能为从开始日期开始的期限向年金提供定期收入支付。这些方法包括以下步骤：接收年金的年金信息; 在第一日期确定在开始日期由于年金而导致的购买价格和至少一个收入付款的金额之一。所述购买价格或所述至少一个所述到期的所述收入的金额包括在所述年金复位功能的费用，所述年金复位功能在所述年金的所述至少一个变量之后，在所述年初的重置日期之后复位所述年金的至少一个变量在重置日期比起至少第一个日期更有利于年金; 并向年金提供年金与重置功能。

2. 发明申请

US20120116990A1 SYSTEM AND METHOD FOR ALLOCATING ASSETS AMONG FINANCIAL PRODUCTS IN AN INVESTOR PORTFOLIO 审中-公开
标题翻译：投资者组合中金融产品资产分配的制度与方法
公开(公告)号：US20120116990A1
公开(公告)日：2012-05-10
申请号：US12939929
申请日：2010-11-04
申请人： Dylan W. Huang
发明人： Dylan W. Huang
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06
摘要： A computerized method and system for allocating assets among a plurality of financial products for an investor portfolio includes calculating a solution space of financial vehicle combinations by assigning allocations to each financial vehicle in each financial vehicle combination and generating a set of simulations, for each of the vehicle combinations, of a value of the financial vehicle combination. The computerized method and system further includes receiving investor-specific information, the investor-specific information including a retirement objective. The method and system further includes selecting a set of financial vehicle combinations within the solution space based on the received investor-specific information; and allocating assets among the plurality of financial products based on the set of selected financial vehicle combinations and received investor-specific information.
摘要翻译：用于在投资者组合的多个金融产品之间分配资产的计算机化方法和系统包括通过为每个金融车辆组合中的每个金融车辆分配分配来计算金融车辆组合的解空间，并且为每个金融车辆组合生成一组模拟车辆组合，金融车辆组合的价值。计算机化方法和系统还包括接收投资者特定信息，投资者具体信息包括退休目标。所述方法和系统还包括基于所接收的投资者特定信息来选择所述解决方案空间内的一组金融车辆组合; 并基于所选择的金融车辆组合的集合分配多个金融产品中的资产，并且接收投资者特定信息。

3. 发明申请

US20120173457A1 System and Method for Allocating Traditional and Non-Traditional Assets in an Investment Portfolio 审中-公开
标题翻译：投资组合中传统和非传统资产分配的制度和方法
公开(公告)号：US20120173457A1
公开(公告)日：2012-07-05
申请号：US13359035
申请日：2012-01-26
申请人： Dylan W. Huang , Todd Taylor
发明人： Dylan W. Huang , Todd Taylor
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06
摘要： A computerized method and system for allocating assets among a plurality of financial products for an investor portfolio includes calculating a solution space of financial vehicle combinations by assigning allocations to each financial vehicle in each financial vehicle combination and generating a set of simulations, for each of the vehicle combinations, of a value of the financial vehicle combination. The computerized method and system further includes receiving investor-specific information, the investor-specific information including a retirement objective. The method and system further includes selecting a set of financial vehicle combinations within the solution space based on the received investor-specific information; and allocating assets among the plurality of financial products based on the set of selected financial vehicle combinations and received investor-specific information.
摘要翻译：用于在投资者组合的多个金融产品之间分配资产的计算机化方法和系统包括通过为每个金融车辆组合中的每个金融车辆分配分配来计算金融车辆组合的解空间，并且为每个金融车辆组合生成一组模拟车辆组合，金融车辆组合的价值。计算机化方法和系统还包括接收投资者特定信息，投资者具体信息包括退休目标。所述方法和系统还包括基于所接收的投资者特定信息来选择所述解决方案空间内的一组金融车辆组合; 并基于所选择的金融车辆组合的集合分配多个金融产品中的资产，并且接收投资者特定信息。

4. 发明授权

US10453140B2 System and method for allocating traditional and non-traditional assets in an investment portfolio 有权
公开(公告)号：US10453140B2
公开(公告)日：2019-10-22
申请号：US13359035
申请日：2012-01-26
申请人： Dylan W. Huang , Todd Taylor
发明人： Dylan W. Huang , Todd Taylor
IPC分类号： G06Q40/06
摘要： A computerized method and system for allocating assets among a plurality of financial products for an investor portfolio includes calculating a solution space of financial vehicle combinations by assigning allocations to each financial vehicle in each financial vehicle combination and generating a set of simulations, for each of the vehicle combinations, of a value of the financial vehicle combination. The computerized method and system further includes receiving investor-specific information, the investor-specific information including a retirement objective. The method and system further includes selecting a set of financial vehicle combinations within the solution space based on the received investor-specific information; and allocating assets among the plurality of financial products based on the set of selected financial vehicle combinations and received investor-specific information.

5. 发明申请

US20120290331A1 METHODS AND SYSTEMS FOR PROVIDING DEFERRED ANNUITIES WITH AN INCOME RESET FEATURE 有权
标题翻译：用收入复位功能提供延期年限的方法和系统
公开(公告)号：US20120290331A1
公开(公告)日：2012-11-15
申请号：US13106507
申请日：2011-05-12
申请人： Dylan W. Huang
发明人： Dylan W. Huang
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/00
摘要： Methods and corresponding systems are provided for providing and administering deferred annuities with an annuity reset feature that provide periodic income payments to an annuitant for a term beginning at a start date. The methods include the step or steps of: receiving annuity information for an annuitant; determining at a first date one of a purchase price and an amount of at least one income payment due to the annuitant at the start date. The purchase price or the amount of at least one income payment due the annuitant includes a fee for the annuity reset feature that resets at least one variable of the annuity at a reset date later than the first date if the at least one variable of the annuity at the reset date is more beneficial to the annuitant than at least the first date; and offering the annuity with the reset feature to the annuitant.
摘要翻译：提供了方法和相应的系统，用于向延期年金提供和管理延期年金，年金复位功能为从开始日期开始的期限向年金提供定期收入支付。这些方法包括以下步骤：接收年金的年金信息; 在第一日期确定在开始日期由于年金而导致的购买价格和至少一个收入付款的金额之一。所述购买价格或至少一个到期的所述收入金额所述的年金包括：在所述年金的所述至少一个变量的年限重置功能上重新设置所述年金的至少一个变量的费用，在重置日期比起至少第一个日期更有利于年金; 并向年金提供年金与重置功能。

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