Dubitsky
Alex Dubitsky, Larchmont, NY US
Patent application number | Description | Published |
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20090138413 | Method And Systems Of Structuring A Derivative Financial Instrument - The invention provides methods of extrapolating at least one future mortality rate by calculating a current year mortality rate for a particular age cohort, and applying a series of improvement factors to the current year mortality rate. The invention further provides methods of structuring a derivative financial instrument by providing projected going-forward mortality rates reflective of a degree of improvement in mortality rate experience for particular age cohorts for a particular future period, and defining settlement parameters wherein a value recognized by an investor in said instrument at the time of settlement relates at least in part to the correlation between said projected mortality rate and actually-incurred mortality rate for the age cohort during at least a portion of the period. | 05-28-2009 |
20090271334 | SYSTEM AND METHOD FOR PROVIDING MORTALITY RATE INFORMATION AND EMPLOYING IT FOR STRUCTURING AND ANALYSIS OF FINANCIAL INSTRUMENTS - The invention provides methods of extrapolating at least one future mortality rate by calculating a current year mortality rate for a particular age cohort, and applying a series of improvement factors to the current year mortality rate. The invention further provides methods of structuring a derivative financial instrument by providing projected going-forward mortality rates reflective of a degree of improvement in mortality rate experience for particular age cohorts for a particular future period, and defining settlement parameters wherein a value recognized by an investor in said instrument at the time of settlement relates at least in part to the correlation between said projected mortality rate and actually-incurred mortality rate for the age cohort during at least a portion of the period. | 10-29-2009 |
Alexander A. Dubitsky, Larchmont, NY US
Patent application number | Description | Published |
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20080249932 | INDEX-LINKED NOTES WITH PERIODIC COUPONS SUBJECT TO A TRIGGERING EVENT - Index-linked notes with periodic coupons subject to a triggering event, and accompanying methods, are described herein. In some instances, exemplary notes allow a purchaser to purchase a note and receive periodic coupons returned on the note as long as a triggering event does not occur. Assuming that the triggering event does not occur, the purchaser may receive these coupons until the note reaches maturity. Payment of the periodic coupons may cease, however, when a triggering event (e.g., the purchaser's death) does occur. In addition, the amount of the periodic coupons are tied in some manner to a financial index, such as the Bloomberg index, the S&P 500, or the like. | 10-09-2008 |
20090018873 | Deferred Premium Annuities - Deferred premium annuities and accompanying methods are described herein. In some instances, a deferred premium annuity allows a purchaser (e.g., an individual) to pledge assets rather than pay cash up front to purchase an annuity. In these instances, an annuity provider then issues an annuity to the purchaser. In some instances, the provider then may then receive ownership of or an interest in the pledged assets upon death of the purchaser unless the purchaser pays for the annuity before the death of the purchaser. | 01-15-2009 |
20090018953 | COLLATERALIZED LOANS WITH PERIODIC DRAWS SUBJECT TO A TRIGGERING EVENT - This document describes techniques for implementing a collateralized loan with periodic draws subject to a triggering event. These techniques include receiving funds from a client and establishing a credit line collateralized by the funds. The techniques may further include periodically dispensing an amount from the credit line upon occurrence of a predetermined event (e.g., the client's attainment of a certain age) and until death of the client. At the death of the client, any remaining funds may then be released to, for example, the client's estate. | 01-15-2009 |
20090037232 | Loans Collateralized by Life Insurance Policies - This document describes techniques pertaining to loans collateralized by life insurance policies. | 02-05-2009 |
20130238528 | COLLATERALIZED LOANS WITH PERIODIC DRAWS SUBJECT TO A TRIGGERING EVENT - This document describes techniques for implementing a collateralized loan with periodic draws subject to a triggering event. These techniques include receiving funds from a client and establishing a credit line collateralized by the funds. The techniques may further include periodically dispensing an amount from the credit line upon occurrence of a predetermined event (e.g., the client's attainment of a certain age) and until death of the client. At the death of the client, any remaining funds may then be released to, for example, the client's estate. | 09-12-2013 |
20130318003 | Index-Linked Notes With Periodic Coupons Subject To A Triggering Event - Index-linked notes with periodic coupons subject to a triggering event, and accompanying methods, are described herein. In some instances, exemplary notes allow a purchaser to purchase a note and receive periodic coupons returned on the note as long as a triggering event does not occur. Assuming that the triggering event does not occur, the purchaser may receive these coupons until the note reaches maturity. Payment of the periodic coupons may cease, however, when a triggering event (e.g., the purchaser's death) does occur. In addition, the amount of the periodic coupons are tied in some manner to a financial index, such as the Bloomberg index, the S&P 500, or the like. | 11-28-2013 |
20140172685 | COLLATERALIZED LOANS WITH PERIODIC DRAWS SUBJECT TO A TRIGGERING EVENT - This document describes techniques for implementing a collateralized loan with periodic draws subject to a triggering event. These techniques include receiving funds from a client and establishing a credit line collateralized by the funds. The techniques may further include periodically dispensing an amount from the credit line upon occurrence of a predetermined event (e.g., the client's attainment of a certain age) and until death of the client. At the death of the client, any remaining funds may then be released to, for example, the client's estate. | 06-19-2014 |
Alexander A. Dubitsky, Larchmant, NY US
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20080249903 | LONGEVITY AND MORTALITY INDICES AND ASSOCIATED TRADABLE FINANCIAL PRODUCTS - The document describes creation of one or more families of longevity and mortality indices, some or all of which may be tradable. In addition, this document describes tradable derivatives and other financial products whose value or payment obligations may be tied in some manner to one or more of the created longevity and mortality indices. | 10-09-2008 |
A. Yuri Dubitsky, Milano IT
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20080233030 | Process for Manufacturing an Electrochemical Device - Process for manufacturing an electrochemical device including a cathode, an anode and at least one electrolyte membrane disposed between the anode and the cathode, wherein at least one of the cathode, the anode and the electrolyte membrane, contains at least a ceramic material. | 09-25-2008 |
Craig Dubitsky, Montclair, NJ US
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20150182004 | LIP BALM WITH SPHERICAL SURFACE AND METHOD FOR PRODUCING - A lip balm applicator product comprises upper and lower portions that are connectable together to define the applicator product being of a substantially spherical shape. A support platform is located in the lower portion and accommodates a quantity of lip balm having an arcuate surface. A lip balm comprises a composition of waxes and oils in solid form and formed to have an arcuate surface. The composition is formed to have the arcuate surface using a hot pour process. A method of manufacturing a lip balm comprises providing a receptacle having a concave arcuate surface. A lip balm material in a heated, liquefied phase is poured into the receptacle. Once poured, the heated, liquefied phase is allowed to solidify such that a surface of the solidified lip balm material has an arcuate configuration that corresponds to the concave arcuate surface of the receptacle. | 07-02-2015 |
Oleg Dubitsky, Hanover, NH US
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20120034067 | Turbocompressor and System for a Supercritical-Fluid Cycle - A turbocompressor for use with a process fluid and including an axial expansion turbine for expanding the process fluid and a centrifugal compressor for compressing the process fluid. The turbine and compressor share a common shaft, all of which can be housed by a common housing that encloses sealed spaces. The axial expansion turbine has a rotor located between two main bearings, and the centrifugal compressor includes an impeller mounted to one end of the shaft. In one embodiment, the main bearings are lubricated by a portion of the process fluid so that the only fluid in the sealed spaces is the process fluid. The turbocompressor can be used in a power-cycle system that includes a heat source and, optionally, an electrical generator. | 02-09-2012 |
Yuri A. Dubitsky, Milano IT
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20080280166 | Solid Oxide Fuel Cell - Solid oxide fuel cell wherein the anode has a cermet, including a metallic portion and an electrolyte ceramic material portion substantially uniformly interdispersed. | 11-13-2008 |
20090220829 | Solid Oxide Fuel Cell - Solid oxide fuel cell including an anode which has a cermet activated by a catalyst for hydrocarbon oxidation, process for the preparation thereof, and method for the production of energy exploiting it. | 09-03-2009 |
20100028733 | Electrochemical Device With A LSGM-Electrolyte - An electrochemical device including an anode, a cathode and an electrolyte membrane disposed between the anode and the cathode, wherein the electrolyte membrane has a material of formula La | 02-04-2010 |