System and method for providing a financial instrument utilizing a liability ratio

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7895109
APP PUB NO 20080189219A1
SERIAL NO

11671625

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio.

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First Claim

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Patent Owner(s)

Patent OwnerAddress
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA751 BROAD STREET 21ST FLOOR 21ST FLOOR NEWARK NJ 07102-5096

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Berardis,, Jr Nicholas Middlebury, US 4 7
Dunn, J Scott Rocky Hill, US 4 44
Grucza, John L Southington, US 4 44
Guido, Michael Albert Southbury, US 4 44
Herschler, Jacob M Southport, US 8 194
Kane, Daniel O Florham Park, US 6 105
Kuperstock, N David Woodbridge, US 15 493
O'Donnell, Robert Francis Harwinton, US 6 105
Putterman, Steven Lee West Hartford, US 6 105
Runestad, Dain Eric Woodbridge, US 6 105
Schwartz, Robert J West Granby, US 41 599

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