US Patent No: 6,636,834
Number of patents in Portfolio can not be more than 2000
Computer system and methods for management, and control of annuities and distribution of annuity payments
Stats
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Oct 21, 2003
Issued date -
Feb 25, 2000
filing date -
09/513,430
serial no -
In Force
status
Importance
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Abstract
A computer system and methods for management and control of annuities and distribution of annuity payments is presented which enables transfer of funds between annuities, whether variable or fixed, without incurring payment discontinuity, while providing for allocation of interest risk, investment risk, and mortality risk between insurer and insured.
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First Claim
Related Publications
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International Classification(s)
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Cited Art
| Patent Info | (Count) | # Cites | Year |
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| 4,953,085 System for the operation of a financial account | 407 | 1987 | |
| 5,911,135 System for managing financial accounts by a priority allocation of funds among accounts | 239 | 1991 | |
| 5,864,828 Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation | 196 | 1991 | |
| 5,884,285 System for managing financial accounts by reallocating funds among accounts | 230 | 1992 | |
| 5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts | 404 | 1994 | |
| 5,644,727 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing | 459 | 1994 | |
| 5,911,136 System for prioritized operation of a personal financial account comprising liabilities and investment assets | 250 | 1997 | |
| 5,875,437 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing | 455 | 1997 | |
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| 4,642,768 Methods and apparatus for funding future liability of uncertain cost | 194 | 1984 | |
| 4,752,877 Method and apparatus for funding a future liability of uncertain cost | 300 | 1986 | |
| 4,839,804 Method and apparatus for insuring the funding of a future liability of uncertain cost | 137 | 1986 | |
| 4,722,055 Methods and apparatus for funding future liability of uncertain cost | 173 | 1987 | |
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| 5,999,917 Automated system for managing a non-qualified deferred compensation plan | 72 | 1996 | |
| 5,926,792 System for managing a stable value protected investment plan | 94 | 1998 | |
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| 4,774,663 Securities brokerage-cash management system with short term investment proceeds allotted among multiple accounts | 317 | 1983 | |
| 4,674,044 Automated securities trading system | 808 | 1985 | |
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| 4,750,121 Pension benefits system | 93 | 1985 | |
| 4,969,094 Self-implementing pension benefits system | 76 | 1989 | |
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| 5,819,230 System and method for tracking and funding asset purchase and insurance policy | 75 | 1995 | |
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| 5,148,365 Scenario optimization | 240 | 1989 | |
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| 5,754,980 Method of providing for a future benefit conditioned on life expectancies of both an insured and a beneficiary | 92 | 1995 | |
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| 5,126,936 Goal-directed financial asset management system | 381 | 1989 | |
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| 5,806,042 System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option | 131 | 1995 | |
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| 5,878,405 Pension planning and liquidity management system | 177 | 1996 | |
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| 5,991,744 Method and apparatus that processes financial data relating to wealth accumulation plans | 81 | 1997 | |
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| 5,214,579 Goal-oriented investment indexing, tracking and monitoring data processing system | 132 | 1989 | |
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| 5,414,838 System for extracting historical market information with condition and attributed windows | 127 | 1992 | |
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| 4,648,037 Method and apparatus for benefit and financial communication | 140 | 1984 | |
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| 5,262,943 System and process for information management and reporting | 131 | 1991 | |
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| 5,752,236 Life insurance method, and system | 103 | 1994 | |
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| 5,673,402 Computer system for producing an illustration of an investment repaying a mortgage | 119 | 1992 | |
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| 5,193,056 Data processing system for hub and spoke financial services configuration | 286 | 1991 | |
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| 5,101,353 Automated system for providing liquidity to securities markets | 751 | 1989 | |
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| 4,933,842 Automated investment fund accounting system | 148 | 1988 | |
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| 6,336,102 Investment fund management method and system | 23 | 1995 | |
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| 4,566,066 Securities valuation system | 83 | 1982 | |
| 4,942,616 Interactive synthesized speech quotation system for brokers | 177 | 1985 | |
| 5,291,398 Method and system for processing federally insured annuity and life insurance investments | 109 | 1992 | |
| 5,864,685 Increasing income trust computer transaction system and insured investment account system | 82 | 1994 | |
| 5,631,828 Method and system for processing federally insured annuity and life insurance investments | 130 | 1994 | |
| 5,745,706 Computer system and related equipment for spending and investment account management | 182 | 1994 | |
| 5,893,071 Annuity value software | 71 | 1996 | |
| 6,332,132 Automated methods and apparatus for programmed periodic replenishment of principal with annual adjustment to future interest rates | 4 | 1998 | |
Patent Citation Ranking
Maintenance Fees
| Fee | Large entity fee | small entity fee | micro entity fee | due date |
|---|---|---|---|---|
| 11.5 Year Payment | $7400.00 | $3700.00 | $1850.00 | Apr 21, 2015 |
| Fee | Large entity fee | small entity fee | micro entity fee |
|---|---|---|---|
| Surcharge - 11.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
| Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
| Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |