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1. 发明授权

US08315937B1 Apparatus, article, and method for a hedged specified event bond 有权
标题翻译：用于对冲指定事件债券的设备，物品和方法
公开(公告)号：US08315937B1
公开(公告)日：2012-11-20
申请号：US12850584
申请日：2010-08-04
申请人： Matthew B. Schoen , Wayne F. Perg , John Andrew Pfleger
发明人： Matthew B. Schoen , Wayne F. Perg , John Andrew Pfleger
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/04 , G06Q40/06
摘要： A method, machine, article for a hedged specified event bond. The method can include: storing in memory terms of a bond indenture whereby proceeds from the bond are placed in a bankruptcy-remote entity, an investment is purchased, a risk associated with the investment is hedged, and a scheduled investor payment is adjusted if a specified event occurs; determining, by a digital computer accessing the memory and receiving market data and data corresponding to the specified event, a payment amount to the entity, a scheduled investor payment amount by the entity, a value of assets of the entity, whether there has been an occurrence of the specified event, and if an occurrence is determined, computing an adjustment in the scheduled payment; and outputting, by the computer, at least one of the payment amount to the entity, the scheduled investor payment amount, the value, and, if the occurrence is determined, the adjustment.
摘要翻译：一种用于对冲指定事件债券的方法，机器，物品。该方法可以包括：以存储条件存储债券契约，其中债券的收益被放置在破产远程实体中，购买投资，与投资相关的风险进行套期保值，并且如果指定事件发生; 通过访问存储器并接收与指定事件相对应的市场数据和数据的数字计算机确定对实体的支付金额，实体的预定投资者支付金额，实体的资产价值，是否存在发生指定的事件，并且如果确定事件，则计算预定支付中的调整; 以及由所述计算机向所述实体输出所述支付金额中的至少一个，所计划的投资者支付金额，所述价值以及所述发生是否确定所述调整。

2. 发明授权

US08577777B1 Machine, article, and method for servicing a specified event bond 有权
标题翻译：用于服务指定事件绑定的机器，文章和方法
公开(公告)号：US08577777B1
公开(公告)日：2013-11-05
申请号：US13685627
申请日：2012-11-26
申请人： Matthew B. Schoen , Wayne F. Perg , John Andrew Pfleger
发明人： Matthew B. Schoen , Wayne F. Perg , John Andrew Pfleger
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q40/06 , G06Q40/08
摘要： A method, machine, article for servicing a specified event bond. The method can include: storing in memory terms of a bond indenture for a bond, the indenture including an agreement with at least one original investor in the bond whereby an issuer of the bond is obligated to pay to the investor a contingent liability in the bond if a specified event occurs; determining, by a computer accessing the memory and receiving market data, an amount of contingent liability corresponding to the obligation; and outputting, by the computer, the determined amount of the contingent liability.
摘要翻译：一种用于服务指定事件债券的方法，机器，物品。该方法可以包括：在存储条件中存储债券的债券契约，契约包括与债券中的至少一个原始投资者达成协议，债券的发行人有义务向债权人支付债券中的或有负债如果指定的事件发生; 通过访问记忆体并接收市场数据的计算机确定与该义务相对应的或有负债的金额; 并由计算机输出确定的或有负债的金额。

3. 发明申请

US20210327083A1 SYSTEMS AND METHODS OF MEASURING AN OBJECT IN A SCENE OF A CAPTURED IMAGE 有权
公开(公告)号：US20210327083A1
公开(公告)日：2021-10-21
申请号：US17360221
申请日：2021-06-28
申请人： Matthew B. Schoen
发明人： Matthew B. Schoen
IPC分类号： G06T7/60 , G01S15/42 , G01S17/42 , H04N7/18
摘要： Systems and methods are provided that include a plurality of sensors, communicatively coupled to one another, to periodically transmit positional location information. A digital image capture device, communicatively coupled to the plurality of sensors, may capture an image of a scene which includes at least one of the plurality of sensors. A processor, communicatively coupled to the digital capture device, may determine a measurement of a least one object in the captured image of the scene, where the measurement of the at least one object is based at least in part on the positional location information received by the digital image capture device at the time that the image of the scene is captured. A display device, communicatively coupled to the processor, may display the determined measurements of the at least one object.

4. 发明申请

US20200043191A1 SYSTEMS AND METHODS OF MEASURING AN OBJECT IN A SCENE OF A CAPTURED IMAGE 审中-公开
公开(公告)号：US20200043191A1
公开(公告)日：2020-02-06
申请号：US16053478
申请日：2018-08-02
申请人： Matthew B. Schoen
发明人： Matthew B. Schoen
IPC分类号： G06T7/60 , H04N7/18 , G01S17/42 , G01S15/42
摘要： Systems and methods are provided that include a plurality of sensors, communicatively coupled to one another, to periodically transmit positional location information. A digital image capture device, communicatively coupled to the plurality of sensors, may capture an image of a scene which includes at least one of the plurality of sensors. A processor, communicatively coupled to the digital capture device, may determine a measurement of a least one object in the captured image of the scene, where the measurement of the at least one object is based at least in part on the positional location information received by the digital image capture device at the time that the image of the scene is captured. A display device, communicatively coupled to the processor, may display the determined measurements of the at least one object.

5. 发明授权

US08428979B1 Digital processing machine, article, and method for an entity holding insurance 有权
标题翻译：数字处理机器，实体持有保险的物品和方法
公开(公告)号：US08428979B1
公开(公告)日：2013-04-23
申请号：US13584626
申请日：2012-08-13
申请人： Matthew B. Schoen , Wayne F. Perg , John Andrew Pfleger
发明人： Matthew B. Schoen , Wayne F. Perg , John Andrew Pfleger
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/04 , G06Q40/06
摘要： A digital data processing method, machine, and article for an entity holding insurance. The machine is configured to transform, by digital processing, data into an accounting for an entity and allocations among parties contributing permanent life insurance to the entity in producing digital output which includes the accounting and at least one of the allocations.
摘要翻译：数字数据处理方法，机器和实体持有保险的实体。该机器被配置为通过数字处理将数据转换成对实体的会计以及在生成包括会计和至少一个分配的数字输出的实体中贡献永久人寿保险的各方之间的分配。

6. 发明申请

US20130024214A1 COMPUTER APPARATUS AND METHOD FOR ILLUSTRATING, ISSUING, AND MANAGING DISABILITY COVERAGE FOR RETIREMENT PLANS WITH INDIVIDUAL ACCOUNTS 有权
标题翻译：用于单独账户退休计划的说明，发布和管理损害赔偿的计算机设备和方法
公开(公告)号：US20130024214A1
公开(公告)日：2013-01-24
申请号：US13585541
申请日：2012-08-14
申请人： Matthew B. Schoen , Wayne F. Perg , Jean-Philippe Khodara
发明人： Matthew B. Schoen , Wayne F. Perg , Jean-Philippe Khodara
IPC分类号： G06Q40/08
CPC分类号： G06Q40/00 , G06Q40/02 , G06Q40/06 , G06Q40/08
摘要： A computer-aided method of computing coverage benefit costs for a retirement plan having respective accounts for individuals, the method including the steps of converting input plan contribution data for at least one of said accounts of said retirement plan into corresponding input digital electrical signals, manipulating the input digital electrical signals in computing the coverage benefit costs for the at least one of said accounts according to said retirement plan, and producing output at an output device. The output including the computed coverage benefit costs for the at least one of said accounts of said retirement plan. The method is suitable for IRS Sec. 401, 408, 457, in cases such as an IRA, ROTH IRA, individual social security accounts of whatever country may be at issue, and the like. Input plan contribution data can include data such as FICA tax, Federal Old Age, Survivors, and Disability Insurance tax data.
摘要翻译：一种计算机辅助方法，用于计算具有个人帐户的退休计划的覆盖利益成本，所述方法包括以下步骤：将所述退休计划的所述帐户中的至少一个的输入计划贡献数据转换为相应的输入数字电信号，操纵所述输入数字电信号根据所述退休计划计算所述至少一个所述帐户的覆盖范围，从而在输出设备处产生输出。所述产出包括所计算的覆盖率，用于所述退休计划的至少一个所述帐户的费用。该方法适用于IRS Sec。 401，408，457，如IRA，ROTH IRA，任何国家可能存在的个人社会保障账户等。投入计划缴款数据可以包括FICA税，联邦老年人，幸存者和残疾人保险税数据等数据。

7. 发明授权

US11080877B2 Systems and methods of measuring an object in a scene of a captured image 有权
公开(公告)号：US11080877B2
公开(公告)日：2021-08-03
申请号：US16053478
申请日：2018-08-02
申请人： Matthew B. Schoen
发明人： Matthew B. Schoen
IPC分类号： H04N7/18 , G06T7/60 , G01S15/42 , G01S17/42
摘要： Systems and methods are provided that include a plurality of sensors, communicatively coupled to one another, to periodically transmit positional location information. A digital image capture device, communicatively coupled to the plurality of sensors, may capture an image of a scene which includes at least one of the plurality of sensors. A processor, communicatively coupled to the digital capture device, may determine a measurement of a least one object in the captured image of the scene, where the measurement of the at least one object is based at least in part on the positional location information received by the digital image capture device at the time that the image of the scene is captured. A display device, communicatively coupled to the processor, may display the determined measurements of the at least one object.

8. 发明授权

US08566210B1 Machine, article and processes for contract values using partial allocations 有权
标题翻译：使用部分分配的合同价值的机器，文章和流程
公开(公告)号：US08566210B1
公开(公告)日：2013-10-22
申请号：US13843899
申请日：2013-03-15
申请人： Matthew B. Schoen , Wayne F. Perg , John Andrew Pfleger
发明人： Matthew B. Schoen , Wayne F. Perg , John Andrew Pfleger
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q40/06 , G06Q40/08
摘要： A method, machine, article for contract values. Illustratively, there can be a machine configured for transforming digital input data in producing digital output data according to terms of an agreement with a guarantor of a contract value, wherein the agreement permits use of the contract value in place of a market value on a financial statement of a beneficiary of the agreement. The machine can produce output including at least one of a determined amount of a stable value return and a determined amount of a contract value.
摘要翻译：一种方法，机器，合同价值的文章。说明性地，可以存在一种机器，其被配置为根据与合同价值的担保人的协议条款来产生数字输出数据的数字输入数据的转换，其中协议允许使用合同价值代替金融市场价值协议受益人声明。机器可以产生包括确定量的稳定价值回报和确定的合同价值量中的至少一个的产出。

9. 发明授权

US08489487B1 Apparatus, article, and method for contract values 有权
标题翻译：仪器，物品和方法的合同价值
公开(公告)号：US08489487B1
公开(公告)日：2013-07-16
申请号：US12850596
申请日：2010-08-04
申请人： Matthew B. Schoen , Wayne F. Perg , John Andrew Pfleger
发明人： Matthew B. Schoen , Wayne F. Perg , John Andrew Pfleger
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/04 , G06Q40/06
摘要： A method, machine, article for contract values. The method can include: storing in memory terms of an agreement governing a stable value contract whereby a stable value return is to be determined by using a built-up moving average of the yield-to-worst outcome of an investment portfolio; calculating, by a digital computer accessing the memory and receiving market data, an amount of the built-up moving average; determining, by the computer using the amount, at least one of a stable value return on the investment portfolio and a contract value for the investment portfolio; and outputting, by the computer, at least one of the determined stable value return and the determined contract value.
摘要翻译：一种方法，机器，合同价值的文章。该方法可以包括：在存储条件中存储一项关于稳定价值合同的协议，通过使用投资组合的收益 - 最差结果的积分移动平均线来确定稳定的价值回报; 通过访问存储器并接收市场数据的数字计算机计算建立的移动平均量; 由计算机使用该金额确定投资组合的稳定价值回报和投资组合的合同价值中的至少一个; 以及由所述计算机输出所确定的稳定值返回和确定的合同值中的至少一个。

10. 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。

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