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1. 发明申请

US20140149146A1 Dynamically Determining a Set of Threshold Interest Rates Associated with a Guaranteed Life Insurance Product 审中-公开
标题翻译：动态确定与保证人寿保险产品相关的一系列门槛利率
公开(公告)号：US20140149146A1
公开(公告)日：2014-05-29
申请号：US14092184
申请日：2013-11-27
申请人： Transamerica Corporation
发明人： Mark Shickler , Michael Babikian , Phyllis Dilbeck , Donald Morden
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q40/02
摘要： Methods and apparatuses, including computer program products, are described for dynamically determining a set of threshold interest rates associated with a guaranteed life insurance product. A computing device determines an in-effect set of threshold interest rates for the product based on a target profit value for the product and applies the in-effect set of rates to an application for the product upon receipt of the application. The computing device determines periodically whether to modify the in-effect set of rates based on a comparison of an estimated profit value to the target profit value. If the computing device determines that the in-effect set of rates is to be modified, the computing device calculates a modified set of rates and applies the modified set of rates to the application on its issuance date, if the modified set of rates is higher than the set of rates currently applied.
摘要翻译：描述了包括计算机程序产品在内的方法和装置，用于动态地确定与保险人寿保险产品相关联的一组阈值利率。计算设备基于产品的目标利润值确定产品的阈值利率的有效集合，并且在收到应用程序时将效用的费率组合应用于产品的应用。计算设备基于估计的利润值与目标利润值的比较来定期地确定是否修改有效的利率集合。如果计算设备确定要修改费用的效用集合，则计算设备计算修改的费率集合，并且将修改的一组费率在其发布日期应用于应用程序，如果修改的一组费率较高比目前应用的一套费率。

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