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    • 5. 发明申请
    • System and method of underwriting price risk with an insured window contract
    • 保险合同承保价格风险的制度和方法
    • US20080172259A1
    • 2008-07-17
    • US11654072
    • 2007-01-17
    • Charles W. Grant
    • Charles W. Grant
    • G06Q40/00
    • G06Q40/06G06Q40/02G06Q40/08
    • The invention embodies a system and method of underwriting price risk with an insured window contract. The system and method has application in any marketplace where there is a transparent price that exhibits volatility over time. It is applicable to both buyers and sellers facing price risk in the marketplace. A window is established for the contract period which specifies upper and lower price bounds. Market prices outside the window result in a deposit to or withdrawl from an account owned by the participant in the insured window contract. The contingent account may be an actual account in a financial institution (a contingent account) or a virtual account used simply to determine net balance (a balance account). Surpluses or deficits accrue in the account over the duration of the contract. At contract expiry, deficits in such accounts, when they occur, are indemnified by a claim.
    • 本发明体现了保险合同承保价格风险的制度和方法。 该系统和方法在任何市场都有应用,其中透明价格随时间呈现波动。 适用于在市场上面临价格风险的买卖双方。 在合同期间建立了一个窗口,其中规定了上下限价格范围。 窗外的市场价格导致存入或退出参保人在保险合同中拥有的账户。 或有帐户可能是金融机构(或有帐户)中的实际账户,也可能仅用于确定净余额(余额账户)的虚拟账户。 在合同期间,账户中存在盈余或赤字。 在合同到期时,这些帐户发生的赤字由索赔赔偿。