Patent application number | Description | Published |
20090142085 | VARIABLE VOLUME TONER REPLENISHER DISPENSER FOR TIPP SYSTEMS - A printing fluid dispenser system for multi-printer engine assembly is disclosed. The system includes a first dispenser that is adjacent to the print engine that is configured to pass printing fluid to an associated printing engine, a second dispenser adjacent to the first dispenser that is configured to store the printing fluid and pass the printing fluid to the first dispenser as the first dispenser passes the printing fluid to the printing engine and a sensor configured to detect when the printing fluid remaining in one of the first or second dispensers drops below a predetermined threshold. | 06-04-2009 |
20090153884 | PRINTING SYSTEM AND METHOD - This disclosure provides a printing method and system including two or more integrated image marking engines, wherein the printing system is operated with less than the total number of image marking engines to generate the maximum specified prints per minute associated with the printing system. According to one exemplary embodiment, each image marking engine is controlled to be inactive in a round-robin manner to maintain substantially equal running time on each image marking engine or a substantially equal number of printed sheets on each marking engine. | 06-18-2009 |
20100014883 | METHOD AND APPARATUS FOR ELECTROSTATIC BRUSH CLEANING IN AN IMAGE PRODUCTION DEVICE - A method and apparatus for electrostatic brush cleaning of excess toner particles on a photoreceptor device in an image production device is disclosed. The method may include determining if an image transfer occurred in the image production device, wherein if it is determined that the image transfer occurred, rotating one or more electrostatic brushes at a first speed, and if it is determined that the image transfer did not occur, rotating the one or more electrostatic brushes at a second speed, wherein the first speed is slower than the second speed. | 01-21-2010 |
Patent application number | Description | Published |
20090106142 | Method and system for reverse mortgage replication using remainder interests - Methods for providing remainder interests with protection to a seller and mitigation of the potential consequences suffered by related financial instruments. The protected remainder interest financial instrument includes submitting a seller to underwriting to accurately determine the seller's remaining life expectancy, and purchasing the protected remainder interest of an illiquid asset from the seller leaving the seller with a life estate. The method includes a client system for displaying information related to the transaction and inputting information related to the seller, illiquid asset, and the buyer. The client system is used to create a request to create the protected remainder interest. A server system accepts the request, stores the information in memory, and creates the protected remainder interest. The server system includes software for linking seller and buyers of protected remainder interests, which include terms of the protected remainder interest such as contingent sale or contingent purchase schedules. | 04-23-2009 |
20090119203 | Method and system for equalizing debt balance and fixed asset value in reverse mortgages - A method and system for debt-to-asset-value balancing of a reverse mortgage benefiting both the lender and the borrower. Options and mechanisms are provided for equalizing borrower debt balance with appraised fixed assets of the reverse mortgage. | 05-07-2009 |
20090287510 | Methods and products for providing incentive compatible mortgage loans - A method for efficient first mortgage loans including the steps of identifying suitable borrowers for a marginally priced mortgage loan, determining an aggregate asset value of property owned by the suitable borrowers, determining a capital structure of the marginally priced mortgage loan for the respective property as between debt and equity, tranching the debt capital structure into a plurality of debt tranches, wherein lowest loan to value tranches have seniority over higher loan to value tranches, assigning each tranche an interest rate based upon a plurality of criteria including probability of default, correlation of default, and credit market conditions, creating a structured note which provides legal rights for each such tranche in a bankruptcy remote issuance entity and securitization or sale of such structured notes to investors. | 11-19-2009 |
20100216545 | Enhanced parimutuel wagering - Methods and systems for engaging in enhanced parimutuel wagering and gaming. In one embodiment, different types of bets can be offered and processed in the same betting pool on an underlying event, such as a horse or dog race, a sporting event or a lottery, and the premiums and payouts of these different types of bets can be determined in the same betting pool, by configuring an equivalent combination of fundamental bets for each type of bet, and performing a demand-based valuation of each of the fundamental bets in the equivalent combination. In another embodiment, bettors can place bets in the betting pool with limit odds on the selected outcome of the underlying event. The bets with limit odds are not filled in whole or in part, unless the final odds on the selected outcome of the underlying event are equal to or greater than the limit odds. | 08-26-2010 |
20110081955 | Enhanced parimutuel wagering - Methods and systems for engaging in enhanced parimutuel wagering and gaming. In one embodiment, different types of bets can be offered and processed in the same betting pool on an underlying event, such as a horse or dog race, a sporting event or a lottery, and the premiums and payouts of these different types of bets can be determined in the same betting pool, by configuring an equivalent combination of fundamental bets for each type of bet, and performing a demand-based valuation of each of the fundamental bets in the equivalent combination. In another embodiment, bettors can place bets in the betting pool with limit odds on the selected outcome of the underlying event. The bets with limit odds are not filled in whole or in part, unless the final odds on the selected outcome of the underlying event are equal to or greater than the limit odds. | 04-07-2011 |
20120022995 | Digital options having demand-based, adjustable returns, and trading exchange therefor - Methods and systems for conducting demand-based trading are described. In one embodiment, states are established, each state corresponding to at least one possible outcome of an event of economic significance. An investment amount may be determined as a function of a selected outcome, a desired payout, and a total amount invested in the states. In another embodiment, an investment amount may be determined as a function of parameters of a financial product. In another embodiment, a payout may be determined as a function of an investment amount, a selected outcome, a total amount invested in the states, and an identification of a state corresponding to an observed outcome of the event. | 01-26-2012 |
20120123571 | ENHANCED PARIMUTUEL WAGERING - A wagering system and method may include a processor that presents indicative odds in a parimutuel wagering system to the user such that the user may place a bet of one of the presented bets, besides for a win bet and an exacta bet. | 05-17-2012 |
Patent application number | Description | Published |
20090271223 | INCENTIVE COMPATIBLE AND RESETTING FIRST MORTGAGE LOANS AND METHODS, SYSTEMS, AND PRODUCTS FOR PROVIDING SAME - A method for creating marginally priced reverse mortgage loans (MPRML) including the steps of identifying a borrower for a MPRML against a property owned by the borrower, determining an aggregate asset value of the property, determining a life expectancy, obtaining consent for a lender to own life insurance on the borrower, and determining whether the borrower can be issued life insurance. If the borrower can obtain life insurance, providing terms relatively better than if the borrower could not. If the borrower cannot obtain life insurance, providing the MPRML at terms relatively better than if the borrower did not apply. The method also determines a principal limit factor which defines a debt portion of a capital structure, determines the capital structure as between debt and equity, tranches the debt capital structure into debt tranches wherein a lowest loan to value tranche has seniority, and assigns each tranche an interest rate. | 10-29-2009 |
20090271224 | METHODS, SYSTEMS, AND PRODUCTS FOR EFFICIENT ANNUITIZATION - A method of creating a variable universal life anti-martingale immediate annuity (VULAMIA) including the steps of soliciting preferences from an annuitant for annuity income and timing of annuity income versus a risk of loss of an annuity purchase price from early death, determining an annuity cashflow start date and a rate of return to be paid on an annuity consideration premium upon death, structuring a variable universal life policy to act as a wrapper for a separate account used to purchase immediate annuities and a death benefit which provides the rate of return on the annuity consideration premium, receiving premium payments into a VULAMIA to purchase the variable universal life policy and the immediate annuities, reinvesting immediate annuity payments until a predetermined payout date; and at death of the annuitant, providing a death benefit and the predetermined rate of return on the annuity consideration premiums. | 10-29-2009 |
20100262438 | CORPORATE OWNED LIFE INSURANCE PRODUCT WITH DEATH BENEFITS - A corporate owned life insurance product with death benefits (COLI-DB) that has no cash value and is minimally funded. The policy holder selects an election to mark to market accounting for life insurance. Thus, the COLI-DB has no cash surrender value. The net present value of the COLI-DB can be more than zero (and quite high) so there is no impact to net income and there may even be net income in the first year. The COLI-DB system may optimize returns by using new accounting rules in contrast to the traditional approach of COLI-CV, and returning death benefits through a captive to increase returns. | 10-14-2010 |
20120101853 | SYSTEM FOR PROVIDING SECONDARY CREDIT PROTECTION FOR LIFE AND ANNUITY POLICIES, TRACKING UNPAID CLAIMS - A method for providing insurance in a distributed computing network having a server and a plurality of clients including the steps of determining a corporate bond price associated with a corporate bond of a holding company in the server, determining an interpolated swap rate for the bond based on the corporate bond price and premium in the server, determining a present weighted value of premiums associated with the corporate bond in the server, determining an overcollateralization ratio of the holding company in the server, determining implied asset volatility for the corporate bond in the server, determining an implied put price for the corporate bond and a CDS premium for the insurance company in the server, and offering a secondary credit protection product for users associated with the clients. | 04-26-2012 |
20120265662 | METHODS, SYSTEMS, AND PRODUCTS FOR EFFICIENT ANNUITIZATION - A method of creating a variable universal life anti-martingale immediate annuity (VULAMIA) including the steps of soliciting preferences from an annuitant for annuity income and timing of annuity income versus a risk of loss of an annuity purchase price from early death, determining an annuity cashflow start date and a rate of return to be paid on an annuity consideration premium upon death, structuring a variable universal life policy to act as a wrapper for a separate account used to purchase immediate annuities and a death benefit which provides the rate of return on the annuity consideration premium, receiving premium payments into a VULAMIA to purchase the variable universal life policy and the immediate annuities, reinvesting immediate annuity payments until a predetermined payout date; and at death of the annuitant, providing a death benefit and the predetermined rate of return on the annuity consideration premiums. | 10-18-2012 |