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1. 发明申请

US20130275332A1 Payment of Fees Associated with Assigning a Risk Profile to a Guarantee Product 审中-公开
标题翻译：支付与担保产品分配风险资料相关的费用
公开(公告)号：US20130275332A1
公开(公告)日：2013-10-17
申请号：US13749343
申请日：2013-01-24
申请人： TRANSAMERICA CORPORATION
发明人： Tim Bennett , Darin Smith , Kevin Roper , Larry Lickteig , Josh Pinnick , Matthew Krigbaum
IPC分类号： G06Q20/10
CPC分类号： G06Q20/102 , G06Q20/4016 , G06Q40/06 , G06Q40/08
摘要： Methods and apparatuses, including computer program products, are described for charging of fees associated with a guarantee product. A computing device calculates a fee associated with the guarantee product, wherein the guarantee product is linked to a first investment account. The computing device deducts the calculated fee from a second account if deduction of the fee from the second account can be completed. The computing device deducts the calculated fee from the first investment account if deduction from the second account cannot be completed, and a guarantee associated with the guarantee product is adjusted based on deduction of the calculated fee from the first investment account.
摘要翻译：描述了包括计算机程序产品在内的方法和设备，用于收取与保证产品相关的费用。计算设备计算与保证产品相关联的费用，其中担保产品与第一投资账户相关联。计算设备从第二个帐户中扣除计算费用，如果可以完成从第二个帐户扣除费用。计算装置从第一笔投资账户扣除第二笔账户扣除的计算费用，并根据扣除第一笔投资账户的费用调整与担保产品相关的担保。

2. 发明申请

US20130275330A1 Assigning a Risk Profile to a Guarantee Product and Payment of Associated Fees 审中-公开
标题翻译：为担保产品分配风险简介并支付相关费用
公开(公告)号：US20130275330A1
公开(公告)日：2013-10-17
申请号：US13447206
申请日：2012-04-14
申请人： Tim Bennett , Darin Smith , Kevin Roper , Larry Lickteig , Josh Pinnick , Matthew Krigbaum
发明人： Tim Bennett , Darin Smith , Kevin Roper , Larry Lickteig , Josh Pinnick , Matthew Krigbaum
IPC分类号： G06Q40/06
CPC分类号： G06Q20/102 , G06Q20/4016 , G06Q40/06 , G06Q40/08
摘要： Methods and apparatuses, including computer program products, are described for assigning a risk profile to a guarantee product and charging associated fees. Risk profiles are established, each based on a risk level. A first risk profile is assigned to the guarantee product based on an initial allocation of assets in a linked investment account. A periodic determination is made as to whether the guarantee product is in compliance with the first risk profile due to initial asset allocation changes, including determining whether the asset allocation satisfies the risk level of the first risk profile. A second risk profile is assigned whenever the guarantee product is no longer in compliance with the first risk profile based on the current allocation of assets.
摘要翻译：描述了包括计算机程序产品在内的方法和装置，用于将风险简档分配给担保产品并收取相关费用。建立风险简档，每个都基于风险级别。基于联系投资账户中的资产的初始分配，将第一个风险简档分配给担保产品。定期确定担保产品是否由于初始资产分配变化而符合第一风险简档，包括确定资产分配是否满足第一风险简档的风险水平。只要担保产品不再符合当前资产分配的第一个风险简档，则分配第二个风险简档。

3. 外观设计

USD245644S Font of type 失效
公开(公告)号：USD245644S
公开(公告)日：1977-08-30
申请号：US626153
申请日：1975-10-28
申请人： Jack E. Pollard
设计人： Jack E. Pollard

4. 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。

5. 发明申请

US20150332401A1 PERFORMANCE ATTRIBUTION FOR AN INVESTMENT FUND 审中-公开
标题翻译：投资基金的绩效考核
公开(公告)号：US20150332401A1
公开(公告)日：2015-11-19
申请号：US14276432
申请日：2014-05-13
申请人： Transamerica Corporation
发明人： Todd Porter , Maciej Kowara , Nazar Suschko
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06
摘要： Methods and apparatuses, including computer program products, are described for performance attribution for an investment fund. A server determines a selected asset allocation for a primary investment fund based upon a manager-selected weight and asset class exposures. The server determines a first rate of return based upon the selected asset allocation. The server generates a comparison investment fund. The server determines a second rate of return for the comparison investment fund. The server compares the second rate of return and a third rate of return for the primary investment fund to generate a fund selection contribution value. The server compares the first rate of return and the second rate of return to generate an opportunity set contribution value. The server determines a level of performance attributable to a manager of the primary investment fund based upon the fund selection contribution value and the opportunity set contribution value.
摘要翻译：描述了包括计算机程序产品在内的方法和设备，用于投资基金的绩效归因。服务器根据经理选择的权重和资产类别风险来确定主要投资基金的选定资产分配。服务器根据所选择的资产分配确定第一回报率。服务器生成比较投资基金。服务器确定比较投资基金的第二回报率。服务器比较了第一个投资基金的第二个回报率和第三个回报率，以产生一个基金选择贡献值。服务器比较第一回报率和第二回报率以产生机会集贡献值。服务器基于基金选择贡献值和机会集贡献值来确定归属于主要投资基金的经理的绩效水平。

6. 发明授权

US6012047A Reverse mortgage processing system 失效
标题翻译：反向抵押处理系统
公开(公告)号：US6012047A
公开(公告)日：2000-01-04
申请号：US561444
申请日：1995-11-21
申请人： Peter M. Mazonas , Robert F. Mattox
发明人： Peter M. Mazonas , Robert F. Mattox
IPC分类号： G06Q40/02 , G06F17/60
CPC分类号： G06Q40/02 , G06Q40/025
摘要： A data processing system for selectively determining an appropriate balance of credit parameters associated with the issuance of Reverse Equity Mortgage financing. The system manages the risk associated with the credit by structuring a concurrent single premium deferred annuity to provide future cash flows starting at a system determined date corresponding to actuarially determined requirements of the borrower. The data processing system accepts inputs of the critical data required to perform the calculations and provides a detailed assessment of the proper level of credit and blend of annuity payments for the borrower, thereby solving the principal problem associated with RM products. Thereafter, the system provides the management for the plural current and past accounts associated with the client-based attributes for each lending opportunity.
摘要翻译：一种用于选择性地确定与发行逆向权益抵押融资相关联的信用参数的适当余额的数据处理系统。该系统通过构建并发的单一溢价递延年金来管理与信贷相关的风险，以便在与借款人的精算确定的要求相对应的系统确定日期开始提供未来现金流量。数据处理系统接受执行计算所需的关键数据的输入，并对借款人的适当信贷水平和年金付款进行详细评估，从而解决与RM产品相关的主要问题。此后，系统为与每个贷款机会的基于客户端的属性相关联的多个当前和过去帐户提供管理。

7. 发明申请

US20140278564A1 DYNAMIC PRICING OF GUARANTEE PRODUCTS 审中-公开
标题翻译：保证产品的动态定价
公开(公告)号：US20140278564A1
公开(公告)日：2014-09-18
申请号：US13836964
申请日：2013-03-15
申请人： TRANSAMERICA CORPORATION
发明人： Darin Smith , David Hopewell
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q40/06
摘要： Methods and apparatuses, including computer program products, are described for dynamic pricing of guarantee products. A server computing device determines a fee factor for a guarantee product based on an allocation of assets in an investment account linked to the guarantee product. The server computing device assigns an investment profile to the guarantee product based on the fee factor. The server computing device determines a fee percentage for the guarantee product based on the investment profile and a fee payment option selected by an owner of the guarantee product. The server computing device generates a notification including a fee amount for the guarantee product based on the fee percentage.
摘要翻译：描述了保证产品的动态定价方法和设备，包括计算机程序产品。服务器计算设备基于与保证产品相关联的投资账户中的资产分配来确定担保产品的费用因子。服务器计算设备根据费用因子将担保产品分配投资简档。服务器计算设备根据担保产品的所有者选择的投资简档和费用支付选项来确定担保产品的费用百分比。服务器计算设备根据费用百分比生成包含担保产品费用金额的通知。

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